Happy Monday, bloggies!
Today, I thought I would talk to y'all about money. The husby and I decided to take Dave Ramsey's Financial Peace University at our church and so far, we have learned a lot. It has taken a lot of discipline to attend every week since we are pretty much exhausted after a long day, but I am so glad that we've decided to stick it through. This class has caused us to take a serious look at every aspect of our finances. How much money per month do we spend on bills? How much on entertainment? What about car repairs? Savings? Tithing? Over and above giving? Etc...
I am not going to lie...when we signed up for this class, I was super excited but also fearful! I didn't really want to be aware of some of the wasteful spending I partake in on a weekly/monthly basis, but it has benefited us as a couple. What I love about Dave Ramsey's program, is that while it is strict, you are inevitably setting yourself up to be in an awesome position financially if an emergency happens, if you need to plan to save for a large purchase, you would like to be able to get out of debt with a systematic, effective plan, or simply be able to retire without worrying about so many horrible, sad aspects that people have to consider in today's times.
I encourage you to take one of Dave's classes if you have the opportunity to...even if you are single or young and don't think this stuff applies to you. Let me tell you, it does...and the younger you start, the better!!! If you can't take a class right now, I would even encourage you to buy his book. It has some good tips, and you can just read a little everyday for a week and knock it out really quick!
With all of this boring stuff said, I have a few questions. Do you budget or financially plan? Do you actually have specific amounts per month you adhere to or does it constantly change? Do you have any good books/resources/online tools for planning that you use or do you wing it? I'm simply curious since we are trying to do a better job at becoming better stewards with our money.
Sorry, I do realize this isn't the funnest post to read...but that's what my blog consists of sometimes: boring things that are on my mind, but necessary to think about!
3 comments:
I looovvee Dave Ramsey and I hope to take his class soon. Hubby and I go with his principals but do not use cash envelopes. We do a budget but sometimes it fails (you have to be strong *ugghh**)..it can get hard because my husband has his own business, so it fluctuates all the time so we will often do them weekly now. When were both starting out I 18yrs old and my hubby was 21yrs we both made many mistakes especially with credit cards. we have been able to get rid of 3 already. (I KNOW *Bad us** :( )But GETTING THERE and realizing ahead of time before it's to late is the best. ;)
I am a horrible person for remembering things. So for organizing we use a marker board calender that I got from walmart. (Adorable*) And everymonth we lay out on the calender what we owe and when it is due on that day of the week. *Its hanging in our kitchen, since it is the first place we go after the bathroom in the morning (lol) **coffee** and let me tell you its pretty awesome not to forget to pay something!
Mayesky
I took a little "crash" Dave Ramsey lesson at Focus and it was brutal but very good. Thanks for that helpful post. It looks like I may be taking that in the near future! It is awesome to see how God will use our finances for His glory if we are willing. It is also an encouragement to see y'all taking action!
May-I loooove the idea of what y'all have in the kitchen. The visualization helps!! Keep on perservering, and Happy Anniversary :)
Eliza-My hubby took the crash course as well, so he knew a lot of stuff. I encourage you to take the class if you can. It takes A LOT of perseverance...especially if you work all day and go after work! It is so worth it though!!
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