Win a Dave Ramsey Starter Kit and More [$175 Value]

PerkStreet Financial wants to help you get out of debt, and live a healthy, debt-free financial life. They are joining with me to give away the following prizes to four lucky PT Money readers:

What You Could Win

dave ramsey starter kitDave Ramsey Starter Kit ($120 value) – If you’re just starting with Dave Ramsey’s principles, this is a great way to get immersed in the basics that will transform everything you do from here out. Dave covers his Baby Step plan in-depth, shares testimonies from other people, and teaches you step by step how to set up a cash flow plan and pay off your debt in a way that really works for you. Included in the kit is: The Total Money Makeover Hardcover Book, Financial Peace Revisited Hardcover Book, Cash Flow Planning DVD, Dumping Debt DVD, and the Starter Envelope System.

total money makeoverTotal Money Makeover Book – This book hardly needs and introduction. When it comes to getting out of debt, Dave Ramsey is your man. This is his flagship book, which features the Baby Step plan to help you totally makeover your financial life. Dave doesn’t pull punches and his aggressive style will surely put you on the path to getting rid of your debt and into a healthier financial life. Dave Ramsey is really who started it all for me. I’m sure he can help you to.

the simple dollarThe Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams by Trent from The Simple Dollar – Trent Hamm found himself drowning in consumer debt, working in a job he couldn’t stand… and figured out how to escape that debt and build the fulfilling career he’d always dreamed about, all at the same time. Trent shared his experiences at—and built it into one of America’s top personal finance websites. Now, The Simple Dollar is a book: packed with practical tips, tools, and lessons you can use to transform your life, too.

your moneyYour Money: The Missing Manual by J.D. from Get Rich Slowly – Keeping your financial house in order is more important than ever. But how do you deal with expenses, debt, taxes, and retirement without getting overwhelmed? This book points the way. It’s filled with the kind of practical guidance and sound insights that makes J.D. Roth’s a critically acclaimed source of personal-finance advice. You won’t find any get-rich-quick schemes here, just sensible advice for getting the most from your money. Even if you have perfect credit and no debt, you’ll learn ways to make your rosy financial situation even better.

PerkStreet: A Perfect Fit for the Debt-Free Lifestyle

You guys have heard me talk about PerkStreet Financial before. They are a one-of-a-kind checking account, helping you earn industry leading rewards on your spending using their debit card. But did you know that they make the perfect companion to those families and individuals who are looking to get out of debt and avoid debt in the future? With their debit card reward system you never have to worry about late fees, interest charges, etc. You are just spending your money (from the checking account), and earning really good rewards in the process.

Imagine if instead of creating more debt this holiday season, you created more cash through the PerkStreet cash back program. Think you can get the same from some other checking account? Think again.

Even those local high-yield reward checking accounts, can’t keep up. They pay up to 4%, but the accounts have balance maximums, limiting your reward earnings to at most around $200 a year.

Here’s more about how the PerkStreet cash back program works:

  • Earn 2% cash back on every non-PIN purchases for 3 months after account is opened
  • Earn 2% cash back on every non-PIN purchase when your balance is $5,000 or more or earn 1% cash back for balances below $5,000. Either way, you won’t find another bank in America that gives you more rewards on debit.
  • Plus, sign up for an account by 11/15/2010 and earn 5% cash backon all non-PIN debit card purchases at the following popular holiday retailers until 12/31/2010:
    • Best Buy, Gap, Toys R Us, Babies R Us, Kohls, Starbucks, Macys, JC Penney, Sears, Victoria’s Secret, Ann Taylor, Ann Taylor Loft, Dick’s Sporting Goods, JCrew

Sign up today for your free online checking account and the PerkStreet Financial℠ Visa® Debit Card – the debit card that helps you get debt-free. Visit

Enter the Giveaway

Enter to win one of the four prizes from PT Money and PerkStreet:

  1. [Required] Leave a comment below telling me why it would be good to be debt free and which prize you want to win. Limit one. [1 entry]
  2. [10 extra entries] Become a fan of PT Money and PerkStreet Financial on Facebook and “@” mention us both in a status update about the giveaway. Limit one per day.
  3. [10 extra entries] Tweet about this contest with a mention of both @ptmoney and @perkstreet as well as a link to this blog post about the giveaway. Limit one per day.

Example Tweet or Facebook status update: “Win a Dave Ramsey Starter Kit and More [$175 Value] from @ptmoney and @perkstreet Enter the giveaway here:”

Contestants will be split into four prize pools based on the prize they designate in the comments. Entries will be totaled and a winner from each pool will be randomly selected. Contest open to US Residents only. Contest ends October 27th, 2010 at 12:00 PM (noon) CST. Good luck.

Last Edited: March 8, 2014 @ 10:52 pm
About Philip Taylor

Philip Taylor, aka "PT", is a husband and father of two. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.


  1. Heather Sundquist says:

    Being debt free would really help our situation by giving us extra money to save up for our first home! I would love to win the starter kit!

  2. Alisa Clark says:

    Being debt free is the epitome of freedom! I would like to win the Dave Ramsey starter kit because I have heard so much about him I’d like to give his method a whirl!

  3. Would be amazing to no longer be a wage slave tied to a brown cubicle and to be able to volunteer full time and follow my passion.

    Dave Ramsey Starter Kit would be a life changer – thanks!

  4. Arthur C Lee says:

    We would love to win this, I listen to Dave Ramsey several times a week while driving to work.

  5. It would be awesome to be debt free because then we could allocate every single penny of our money as we see fit. I’m aiming for the Dave Ramsey starter kit!

    I’m also Facebooking and Tweeting.

  6. Lisa Ashby says:

    My husband and I are working towards being debt-free and it’s already changing our lives for the better! We have many dreams that are on hold until we get out of debt, so those are our biggest motivators. I would love either the Simple Dollar book or the Your Money book. Thanks! :)

  7. Suba @ Wealth Informatics says:

    Being debt free is the ultimate step for achieving financial freedom. I would love to win the kit or the book.

  8. Being debt free would mean my husband could retire a little earlier and not have to work 7 more years. Being self employed he has to work really long hours and it would be great to see him not have to work so hard.

  9. Forgot to put in my comment which book- Total Money Makeover is the one I would like.
    I posted on my Facebook status-!/permalink.php?story_fbid=159059780793322&id=1005055280

  10. Twitter following both and tweeted-!/SheilaBran/status/27999157117

  11. We would adore succeeding this; I eavesdrop to Dave Ramsey quite a few eras a week while driving to work.

  12. Will tweet this shortly. i would like The Simple Dollar book. Nice contest idea, Phil!

  13. Kendra Gillilan says:

    Dave Ramsey is awesome and would love that starter kit–yes we are currently trying to work on being debt free with alot of sacrifices ! thank you for the excellent opp

  14. Thx for the opp to win mate! I have the simple dollar book just in case I do win.


  15. It would be good to be debt-free because you would have the freedom to give to others.
    I’d like to win the Total Money Makeover Book.

  16. Jenna Walker says:

    Hey everyone,

    My name is Jenna and I work in the Marketing Department at PerkStreet Financial. I love that everyone is super excited about getting out of debt! The 4 different giveaway options are great ways to begin or continue your journey to a debt-free life.

    Keep in mind that signing up for a PerkStreet checking account is another great way to stay on budget and get debt-free. As described above, the average American earns over $600 cash back every year just from spending on their PerkStreet account! That’s a lot of extra money to put towards upcoming holiday purchases, paying off some debt or giving back to others.

    Simply click on “sign up today” in this post for more information.

    Thanks and good luck to everyone,
    Jenna Walker
    PerkStreet Financial

  17. Dave Ramsey Starter Kit would be a life changer and I want to demolish that card just like they do on Dave’s show.

  18. It would be VERY nice to win the started kit. I have listed to Dave on the radio many times. Being out of debt would be a BIG load taken off of our shoulders

  19. Being debt free would free me up to use my money towards more productive areas, such as investing, and loaning to sites like Kiva.

    I’d like to win Your Money by JD Roth. Thanks Phil!

  20. It would be good to be debt free because being in debt causes way too much stress and presumes too much on future earning ability! I would want to win the Dave Ramsey Starter Kit! Thank you for offering this giveaway!

  21. When I become debt free, I will be more free to use my time, money, and resources to further the Kingdom of God. I would love to have the Dave Ramsey Starter Kit.

  22. Vince Byrne says:

    Peace of mind in knowing I have the freedom of choice in deciding our future without factoring in the burden of debt. JD’s book Your Money: … would be awesome. Thanks for the good info in your blog.

  23. dana lewis says:

    yes me and my husband are trying to save money so we can get a house by next year by tax time so we really need to tighten up get our financial money straight

  24. It’s great to be debt-free because debt causes stress! The source of my stress tends to be taxes. I used to love the challenge of filing taxes but NO MORE! I’d love to win Your Money: The Missing Manual by J.D. from Get Rich Slowly.

  25. I really need this Dave Ramsey material. Your blog has been a great help.

  26. I would love tro win one of the books described above. I want to be debt free someday. Sooner rather than later. Any help I can get would be welcome!

  27. Love the PT money web site and e-mail helps. My wife and I are making great strides in our finances and can’t wait to be out from under debt and able to do some exciting things for others and for our family when those resources are freed. Thanks for the help!

  28. Ann James says:

    Being debt free would give you the ultimate peace of mind. Instead of pay someone else, you can truly pay yourself first!

  29. i would like to win this, so I can learn this with my kids.

  30. Being debt free would be great as it allows a family a lot more options in all areas. My preference would be the Total Money Makeover starter kit. Thanks.

  31. It would be good to be debt free so that I am not a slave to debt an to have a peace of mind.
    I would love to win the Ramsey starter kit.

  32. Oh I would love love love to win!!!! I am currently reading Financial Peace by Dave Ramsey and it is loaded with amazing information that is not so tough to implement in my life~ I am thirsty for more info

  33. elizabeth p says:

    I want to debt free so I can breathe! I would love the starter kit.

  34. Pamela Fortney says:

    My husband and I are actually working toward debt-free already. We just finished the car and the credit card. Student loans and the house to go! I would love to be debt free because it gives you so much flexibility and peace. Also, until I get out of debt, there really isn’t any money for savings or retirement. Anyhow, we are on the Dave Ramsey plan, so I would love the starter kit so we could really delve into it. Of course, I would love JD Roth’s book too! I already have Trent’s. Thanks!

  35. I want to be debt free to get my boy (18 months) off to the right start with a good example. I would love the starter kit.

  36. Being debt free gives you peace of mind and a sense of freedom. I will love to have the starter kit. Thanks!

  37. I would love to be debt free so that when I finally do retire all of my debt will be gone and I can enjoy the golden years. I dont earn much money because I am a housekeeper in a nursing home and they really dont pay much. I live in a small town in Colorado and if I were debt free I would be able to afford to go and visit my son, daughter in-law, and my grandbabies in Nevada once in awhile. But the way things are right now, I dont make much money and am in serious debt.

  38. Linda Fish says:

    I would like to win the Dave Ramsey Starter Kit . It would be great to be debt free so I wouldn’t have to work two jobs and worry so much

  39. I’m working on becoming debt-free (slowly) right now via my blog. I’m just out of school and in a ton of debt. Being debt free would allow me to keep my career in education without going further into debt, but right now, I can’t afford to keep teaching at the salary my school is paying me. I absolutely love Dave Ramsey’s work, listen to him on the radio every week, and I could definitely use the starter kit to keep going to financial serenity :)

  40. Except the mortgage, I’m close to becoming debt free. My thinking has changed regarding financial principles and being a steward of God’s resources. Through my parent’s example, listening to Dave Ramsey, Larry Burkett/Crown Ministries and studying God’s Word has allowed me to give more to the Lord’s work and help those around me who are in need. I have a sister and her husband who are needing a financial Total Money Makeover and would like to invest in their future and help change my two year old niece and one year old nephew’s family tree.

  41. Anthony @ DYL says:

    Dave Ramsey Starter Kit would be a good addition to my debt-free goals!

  42. I’ve been listening to Dave Ramsey on the radio lately and would really like to get my husband on board to become debt-free.
    I would like to win the starter kit or Dave Ramsey’s book.

  43. it would be great to be debt free because it would take away a lot of stress! i would like to win Your Money: The Missing Manual by J.D. Roth from Get Rich Slowly.!

  44. family, kids, health, happiness…these things really matter

  45. Looking at retirement in 10 years, have saved but also have some debt. Would love to start now and prepare for the future. The Dave Ramsey Starter Kit would be great.

  46. Tammy Darling says:

    We have 1 child in college and 2 more we’d like to send there. Getting to a point of being debt free would help us finish raising our kids and start saving for retirement. We would like the starter kit the best but my husband would be happy with any of these.

  47. I want to win the Dave Ramsey Starter Kit because I want to live by the biblical principal of neither a borrower or a lender be

  48. We would most definitely LOVE this giveaway since we are dropping down to one income so I can go to nursing school, and we still desire to be 100% debt free by the time I graduate as well as have at least 20% saved up for a house.

    I have tweeted!!!!!!

  50. Life without debt would be very stress free, I think the Dave Ramsey Starter Kit would help me out tons.

  51. @Jenna. Just applied. After the last few blogs I’ve read on Perkstreet we decided to go ahead and open an account! Thanks a ton for all the info!!!

  52. I want to be debt-free by April/May of next year. Why? My first baby is due May 1! I’ve been building up savings and retirement the past few years but need to get those credit cards paid off! I’d love The Simple Dollar book. Thanks!

  53. Jenna Walker says:

    @ Lauren – being 100% debt free by the time you graduate is a great goal! Congrats! Becoming a PerkStreet customer could help you put $600 every year towards that goal. We are focused on providing the best debit card rewards to customers so that they can get debt free and stay on budget!

    Jenna Walker
    PerkStreet Financial

  54. Jenna Walker says:

    @ bonnie w – see that you have been listening to the Dave Ramsey radio show, I’m curious to see if you have heard Dave talk about PerkStreet Financial? Dave recommends our checking account as a great way to stay on budget and get debt free so I’m curious as to whether our company has stuck out to you at all!

    Jenna Walker
    PerkStreet Financial

  55. Jenna Walker says:

    @ Serenity – what is the URL for your blog? Would love to check it out! Like I asked Bonnie W., have you heard anything about PerkStreet via the DR radio show?

  56. Thanks for your ideas and tips on ” Total Money Makeover Book” will be very interesting to win.

  57. Jenna Walker says:

    @ Lauren – that’s great news! Let me know if you need any help you can email me or email We also have live, customer service 24/7 – 866-792-2834.

  58. I would love to win the Total Money Makeover. My husband and I are newlyweds and are trying to create a plan for getting out of debt in the next few years. I have heard a lot of great things about that book and how much it can help. It would be so nice to not have our credit card debt hanging over our heads anymore. Thanks!

  59. We hope to be debt in the next year and it will be a HUGE relief! We would love the starter kit.

  60. Jennifer M says:

    I’d like to win the Total Money Makeover kit. We’d love to be debt free so we’d have less stress and could enjoy our family time more.

  61. Ed Nemmers says:

    Minimal stress; “Total Money Makeover Book”!

  62. Jenna Walker says:

    @shawna – It’s great to have a concrete timeline for when you hope to be debt free! PerkStreet customers always let us know that we help them hit their financial goals much faster. We are committed to providing a great financial tool to get out of debt and stay on budget, which amounts to over $600 cash back every year.

    Simply click on “PerkStreet” in this article for more info, or you can always email us directly if you have any questions about the account:

    Good luck!
    Jenna Walker
    PerkStreet Financial

  63. Susan Smith says:

    Being debt free would give me the ultimate peace of mind and I would be able to save more money for retirement. The Dave Ramsey Starter kit looks great.

  64. Susan Smith says:
  65. The Simple Dollar

  66. It would be great to be debt free so that my credit could recover from overwhelming debt. I’d love to have the Dave Ramsey Starter Kit.

  67. Being Debt free would help me sleep better at night suelee1998 @

  68. susan smoaks says:

    i would love to win the starter kit. it would be great to be debt free because right now i am a slave to the lenders!

  69. Being Debt free would help me sleep better at night suelee1998 @ I would love to win the starter kit!

  70. Buddy Garrett says:

    It would be good to be debt free because I could spend more time with my family. I would like to win The Dave Ramsey Starter Kit.

  71. Michelle Tucker says:

    I’d like to win the Dave Ramsey Starter Kit. I really need help getting our finances under control. Living paycheck to paycheck is no way to live.

  72. Being debt-free would mean less stress! I would like to win the starter kit.

  73. Rebecca Rubenstein says:

    Being a single mom with no financial support is hard, harder now that my son is a teenager. Besides for all the regular teenage things I need to worry about t times I feel unable to breathe with the weight of my debt. It leaves me wondering how I am going to do the necessary day by day things none the less worrying about my retirement. Being debt free would mean breathing again.

    I would like to read The Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams

  74. Lance Pearson says:
    I would like to get The Simple Dollar, seems most fitting to my situation. and I would love to be debt free so instead of paying double digit interest rates to someone else I could keep that money for my family

  75. I would love the starter kit because we are working toward being debt free but it is very difficult!

  76. Lance Pearson says:
  77. Lance Pearson says:
  78. Being debt free would allow me to be less anxious at the end of the month when all the bills are due. I’d love to get the Dave Ramsey Starter Kit.

  79. We can not get a loan for a car because we have so much debt. i really need Dave Ramsey starter kit to help dig us out of this debt.

  80. In the process of getting debt free and these package would be a great boost. A recent convert to perkstreet as well and loving the perks and great customer service.

  81. Jenna Walker says:

    @Sand – I definitely hear you, I dread the end of the month when all of my bills are due! Being a PerkStreet customer (as well as employee) I’ve learned that having a PerkStreet account is a great financial tool to ease the burden at the end of the month. I typically get about $50 every month in cash back to put towards paying my bills. That’s a lot of help.

    I wanted to reach out to you because I think you should check us out, it is very worth while! You can click on the PerkStreet link in this article for more info. or email to ask us any questions about the account.

    Good luck in the contest,
    Jenna Walker
    PerkStreet Financial

  82. I would love to win the Dave Ramsey Starter kit. I recently lost my job and realized how important it is to be totally in charge of your finances – especially as a single person. This would be a true blessing to me!

    Thanks for the opportunity!