Dear Dave,

Dear Dave Ramsey,

You have been consuming my every day and night.  All I think about is numbers and getting out of debt and how to make more money to do so.  I wanna be debt ffffrrreee!!!!

STOP WORRYING ABOUT MONEY

Connie and I, as well as our hubbies, have signed up for a course in Financial Peace University instructed by Dave.  He is teaching us to dump debt, build wealth and change our family tree.

Since beginning this journey several weeks ago, my husband and I have roped in all the figures and we're trying to grasp Dave's concept to "live like no one else so one day you can live like no one else."  I can say, living now like a college student (money-wise) ain't a whole lotta fun.  But we're holding onto the light at the end of the tunnel.  Accumulating debt didn't happen overnight and we're not expecting to get out of it overnight.  Hopefully by following Dave's advice, we'll be free of these chains of debt in 18 months!  We are motivated to do this because we feel like we were not put on this earth to be "slaves to the lender", as Dave likes to say.  I wanna live a decent life, give my kids what they need (and a little bit of what they want) and owe no one.  This takes a different mentality and getting over an instant gratification concept entirely.  We have to save and plan...period.  Dave says I can do this.  And if Dave says it...well then, I believe it!   I wish this was taught to us in school years ago and even more, I wish it was being taught to our kids in school now!  Believe me, our kids will get the concept, they really won't have a choice actually.... it's the hard knocks life these days, that's right!....we're taking baby steps...


So far we have:


1. Saved for our emergency fund.


2. Created a budget. This sounds simple huh, not so much.


3. Now we're working on paying off debts and snowballing it right on down the line....until our home is paid for and we're debt fffffrrrrreeeee!!!!!!  Seriously, it's possible!


btw, Dave says "sell so much stuff that the kids think they're next"....


This is a 13 week long series and we're 4 down. We'll keep you posted on our progress and how it's changed our lives.  Hopefully not divorce court...;)    Marie