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Monday, March 21, 2011

Financial Peace according to Dave Ramsey

When I first started this blog (or more accurately, when Rose signed me up for a blog) I had no idea there was this whole bloggy world out there. In the beginning I spent a lot of time searching other blogs to see what was going on,what is this blogging. I think Rose mostly signed me up so she would not have to listen to all my stories.

There is a funny midwest gal - - that I found when following the links from a house restoration blog. On her site she had a corner about managing finances, how they were doing it. She talked of going to this financial peace university with her husband, and called the guy that did it Damn Ramsey. There is no Damn Ramsey when you google, but there is a Dave Ramsey. I visited the website, and got a couple cd's off of ebay of him talking. This month I signed up for one of his local classes (he is not there, they are usually facilitated by churches.)It is only the cost of the books for the class. I bought mine off ebay for 40, you can get them through the church or website for around $100. You go watch a video for an hour, then discuss for an hour. These classes are all over. It is a great thing for couples, and would have been helpful for Dennis and I at any point in our marriage. Budgets, retirement, debt, basic how to manage money presented in an empowering easy to digest entertaining manner. The energy is high, the people are kind, and boy, do people get in financial hot water. I am lucky that at this point we have no debt other than the house I am sitting in, but that was not always the case. I am taking the class so I don't ever live in debt again, especially since my income is going to take such a hit when the divorce papers are signed. Rose and I were talking about a Toyota Highlander commercial that she likes, and I do not. It is a young kid telling his ma, and his carpool ma, what a cool car the Highlander is, and how it fits him since he is cool. And their old minivan is not cool. It makes wanting something for how it looks legit in a kids eyes. I am trying to teach the kids want vs. need. It is a challenge.

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