Today I started Financial Peace University Online. I'm cruising through lesson one since my husband and I have been on Dave Ramsey's plan for the last three years.
Actually, I have been on his plan for three years. I LOVE talk radio and the radio show really hit home with me. My husband finally came around two years ago. No, "Dave" did not become a four-letter word in our household! I just decided to start working through the steps on my own. When fuel became uber-expensive I finally declared that I had to get a second job. Finances were just too tight with the baby and everything else. He wasn't thrilled about being home alone with the kids but he knew we didn't have a choice. I never even mentioned that Dave Ramsey was the one who put the idea in my head!
As I said, I love talk radio but the hubby couldn't stand it. He always complained about the AM station being on when he moved the car. One day, he walked in the house and stated "you know that guy on the radio makes a lot of sense". He started listening and a few weeks later he asked me to buy Dave Ramsey's books. I bought them on special immediately! He read Financial Peace Revisited and The Total Money Makeover in less than a week! When he finished, his exact words were "We have to do this". I was thrilled that he came to it on his own! I believe I've heard Dave say "Those forced against their will are of the same opinion still". That quote kept playing in my head over and over!
Fast forward to today. We are two-thirds of the way through paying off all debt. It's been a little slower than we had hoped but we are making progress. We both work two jobs and are committed to this process. Unfortunately, this year has been crazy with some medical expenses and a few other setbacks (darn you Murphy!) but we are paying cash for everything.
We are currently in the process of looking for a church that follows the debt-free principles. I would love to complete FPU and help others through the process.
The first FPU assignment is journaling. There are a few questions they want answered. Here's what I have to say.
We have been hoping to enroll in Financial Peace University for a while but it's been tough with the crazy work hours. There was a special on Veteran's Day where Ronnie could sign up for FPU Online for a really good price so we went for it. I hope FPU will help reinforce why we are going through this process. It's very tempting to want a new car or new house but we both know that it's not a blessing if you are struggling.
I hope that my children will grow up understanding that debt is not a blessing. I want to be able to teach them to Give but giving can't happen when you can't afford your own necessities. I want them to understand that material things are not how you show affection. I plan for both kids to understand basic personal finance by the time they are old enough to handle their own.
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