Showing posts with label Dave Ramsey. Show all posts
Showing posts with label Dave Ramsey. Show all posts
Thursday, February 12, 2009
Wednesday, February 11, 2009
It's OFFICIAL!!!!
We're...........DEBT ...........FREE!!!!!!!!!!!!
It is official. Yes, we are debt free!!! We can hardly believe it and we are so thrilled and feel so blessed. Last January, we started Dave Ramsey's program, The Total Money Makeover. You may remember me posting about going to his live show in May and we had planned to have our debts paid off by early fall. Well, we had a few bumps along the road and things come up, but here we are. No debts.
In less than 1 year, we paid off $30,000. I can't believe that we actually did it! It wasn't easy, not at all. We had to give up a lot of 'fun' things and we got a lot of flack from people, but we knew it would all be worth it. Now, we're on the other side, having gone through it and it was ALL worth it! What an incredible feeling!
If you don't know anything about Dave Ramsey, check out his website here. Or tune in and listen on 570 AM from 7 - 10pm. It's not any magic formulas or secret investments, it's common sense, but ideas that the American society has moved far away from. We feel so blessed and we are so grateful to Heavenly Father for his bounteous blessings.
The kids were as much a part of this than anything. They had to give up things too. We would always tell them, "Nope, we can't buy that because remember, we're getting out of debt." Or, "No, we're not going out to eat tonight because we're paying off our debts." They got used to the idea and stopped asking for things. One time at the grocery store our bill came up and Connor said, "Mom, do we have enough in the budget for that?" I assured him that yes, we did have enough. The checker practically choked on her gum and said, "Wow....that's great you're teaching your kids about budgeting at such a young age."
The day we paid off our last debt the kids were almost as excited as we were. Makenna's teacher told me she came to school so excited and said, "Teacher, teacher, we're debt free!!!!" The teacher laughed and said, "Do you know what that means?" Makenna said, "Yes, and you don't?" The teacher said, "No, I know what it means, I just want to make sure you know what it means." She said, "Yes, it means that we don't owe anyone any money."
The next day at the store I ran into an old neighbor that my kids don't know from anyone. McKay waited until we were done talking and said, "Guess what? We're debt free!" I'm glad that they are so excited about it all.
We went out to eat to celebrate and we are so thrilled that our money is working for us now, not us working for our money. Thank you to all those family members and friends who encouraged us and gave us support through this whole thing! We did it!!!
We have lived like no one else, so now, we can live like no one else.
It is official. Yes, we are debt free!!! We can hardly believe it and we are so thrilled and feel so blessed. Last January, we started Dave Ramsey's program, The Total Money Makeover. You may remember me posting about going to his live show in May and we had planned to have our debts paid off by early fall. Well, we had a few bumps along the road and things come up, but here we are. No debts.
In less than 1 year, we paid off $30,000. I can't believe that we actually did it! It wasn't easy, not at all. We had to give up a lot of 'fun' things and we got a lot of flack from people, but we knew it would all be worth it. Now, we're on the other side, having gone through it and it was ALL worth it! What an incredible feeling!
If you don't know anything about Dave Ramsey, check out his website here. Or tune in and listen on 570 AM from 7 - 10pm. It's not any magic formulas or secret investments, it's common sense, but ideas that the American society has moved far away from. We feel so blessed and we are so grateful to Heavenly Father for his bounteous blessings.
The kids were as much a part of this than anything. They had to give up things too. We would always tell them, "Nope, we can't buy that because remember, we're getting out of debt." Or, "No, we're not going out to eat tonight because we're paying off our debts." They got used to the idea and stopped asking for things. One time at the grocery store our bill came up and Connor said, "Mom, do we have enough in the budget for that?" I assured him that yes, we did have enough. The checker practically choked on her gum and said, "Wow....that's great you're teaching your kids about budgeting at such a young age."
The day we paid off our last debt the kids were almost as excited as we were. Makenna's teacher told me she came to school so excited and said, "Teacher, teacher, we're debt free!!!!" The teacher laughed and said, "Do you know what that means?" Makenna said, "Yes, and you don't?" The teacher said, "No, I know what it means, I just want to make sure you know what it means." She said, "Yes, it means that we don't owe anyone any money."
The next day at the store I ran into an old neighbor that my kids don't know from anyone. McKay waited until we were done talking and said, "Guess what? We're debt free!" I'm glad that they are so excited about it all.
We went out to eat to celebrate and we are so thrilled that our money is working for us now, not us working for our money. Thank you to all those family members and friends who encouraged us and gave us support through this whole thing! We did it!!!
We have lived like no one else, so now, we can live like no one else.
Wednesday, May 28, 2008
Dave Ramsey
Brett and I had the wonderful opportunity to go see this guy:
If you have not heard of Dave Ramsey, you need to discover who he is. He is incredible! We first heard about Dave while listening to him on the radio. He is on 570 KNRS from 7-10 pm . I know, I know, it's an AM station, but really, that is what I listen to these days. FM radio has too many commercials and I have to save the music on my ipod for running days, or else I get tired of it-- so AM gets my attention. Anyway, we LOVE Dave Ramsey! We listened to him for a while and then read his book, "The Total Money Makeover," and we caught the bug to be debt free! Dave's philosophy makes so much sense and is so do-able. The total money makeover consists of 7 steps-- Dave calls them baby steps, like from the movie"What About Bob." We started the program in January. Since January we have paid off about $20,000 and by the end of this summer, we'll have paid off about $30,000! The cool thing is, is that he uses a lot of principles from the pamphlet the church published way back when, "One For the Money." He also uses a lot of scriptures from the Bible. His philosophy: "If you live like no one else, you can live like no one else." Meaning: if you give up things that everyone else is doing now like new furniture, finishing basements, newer, bigger cars, remodeling, boats, vacations, clothes, electronics, going out to eat all the time, blowing the budget, charging things just to get the 'benefits' etc., etc., etc.(and no offense to those who might be doing those things now. Trust me, we'll be doing some of those things when we can pay cash.) So, if you give up all those things now, later, you can do whatever you want with your money. I am so excited and just feel so in control of our finances now, which I am ashamed to say, I haven't felt our whole marriage. Isn't that horrible? My parents taught me well, but it seems I prefer to make the mistakes myself and then learn the lesson. I guess some things just have to be learned that way. In a few months we will be totally debt free, except for the house! No payments except the house! If you want to learn more about Dave, his philosophy and the "Total Money Makeover" click here.We went along with our fabulous family, Natalie and Dave. We had a wonderful time and we were so motivated! Thanks for going with us guys!
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