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 - www.coalcreekfarm.com - 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.

Woodpecker alarm clock

There must be a load of insects on the north side of my house. About once a week I wake up to a woodpecker pounding his little head on my house right outside my window. It is really loud, and wakes me right up. Better than my alarm clock since I can't womp that bird on the head to turn it off for ten minutes. I have been working on getting Amanda dog to chase away woodpeckers, but I don't think she knows what I am saying. Being that she is not a typical dog and befriends fowl, felines and foes.

What I did on a Saturday night

Ready for it? I sat here and got a trojan virus off my laptop. Oh yeah, I know how to have a good time.
If you go on the internet at all you should have a malware search and destroy program loaded up on your system. I use the donation or free Spybot by Safer Networking, but Malwarebytes or any of the other free or low cost one will do. Just make sure it is an approved malware killer and not actual malware you are loading.
I have been scanning this week and notice every other time a keytracker trojan virus pops up. I delete it (quarantine) and then scan again. When I do it is no longer there. Until next time, and it pops up again. Obviously, that virus was sitting somewhere on my computer.
A cnet.com forum had a similar question... the answer they received was to run the F-Secure Online Scanner to find and clean that puppy out. Another freebie. I downloaded and ran it from
www.support.f-secure.com. It only works on Internet Explorer only. You have to load ActiveX, which I personally hate. Or I hated on my old computer. Then do a full system scan which can take hours, and clean the results.
After running that, I have been checking spybot for something wicked to pop-up and nope. All clean. (At least for now.)