Dave Ramsey said…

May 23, 2010 at 9:58 am (Life, Quick Thoughts) (, , , )

I don’t know how many of you have ever heard that phrase uttered, but for me the happy-go-lucky, free-spirited spender those words can be a death-blow to a future purchase. Or so I thought.

I have a few friends who had read Dave Ramsey’s books, and were working a budget and had mentioned it to me a few times. I mostly ignored it, I was doing ok, right? I mean yeah I had a little credit card debt, but so does everyone else, right? God kind of hit me between the eyes a week or two ago and got me to pay attention. Nothing major financially happened, there was no emergency, God just grabbed ahold of me and made me realize that I am not being a good steward of His finances He is blessing me with, and I need to get my act together. I think some might call it growing up a little.

So I borrowed The Total Money Makeover: A Proven Plan for Financial Fitness from the Cranberry library and got to reading it. And the stuff in the book made a lot of sense. It was all common sense thinking that I can apply to my life. I went and purchased The Total Money Makeover and Financial Peace Revisited from Dave Ramsey’s online store for $10 each , and have been developing a budget. It is a little difficult for me to make the budget work completely because I am an hourly teacher and a substitute. So some weeks/months I get paid a lot more than the next week/month. So I have budgeted out my necessary expenses and the minimum payment on my second card, and everything else goes to my card with them smaller balance. This means I am now budgeting $20 a week for my entertainment/eat out/blow money, and that’s it, when the $20 is gone I am done for the week.

The interesting thing is, now that I have read The total money Makeover, and I am reading through Financial Peace Revisited, I am building up my arsenal of quotes where I find myself telling others “Well, Dave Ramsey said…”

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