Budget. Yes, I said it. Budget, budget, budget. It’s really not a bad word. I know most of you out there got the shakes when I said it……budget. Did you know a budget can actually make your life easier? You tell your money where to go instead of wondering where it went. You’re not wondering if you’re going to have enough money through the end of the month – you’ll KNOW you have enough because you wrote it down and planned it out. I’m just here to make your life easier. Trust me…..just do one. Try it. If you hate it, you can quit. Okay, you probably will want to quit at first, but don’t. Give it a few tries and it WILL WORK. Then you’ll love it. You’ll love me. By the way, if you love me, I really enjoy Skittles, M&Ms, and other various candies. |
If you’re married, you need to do your budget together. Trying to do it alone just won’t work. You can try to make it work, but eventually something will backfire. Backfire is scary. It makes you jump. Heavens to Betsy. If you can’t get along about money, then you have serious issues. Dave Ramsey suggests seeking marital counseling if you can’t agree about money. He says the problem isn’t money, but the money is a symptom of the problem. Do your budget together. Guess what? You’re going to fight the first time. You might fight the second, third, and fourth too. But maybe, just maybe, around the 50th time you do it there will be no fights. Work together. Try to avoid decking each other. The kids are watching. Wait until they go to bed for that. My husband says to most couples he counsels that they should go home and have big fight about money…and then make up. 😉 [Read more…] |
Archives for January 2011
Living Debt Free
arry and I started out our marriage with the desire to live debt free. We did Dave Ramsey’s Financial Peace University before we got married and again after we were married. (Since then we’ve done it a few more times and Barry teaches the class periodically.) We knew it was the way we wanted to live. The only thing we were paying on was a car. So we starting making several extra payments until we had it paid off in less than a year. Then we were debt free! But we wanted to have our own place to live, so we bought a townhouse. Currently, the only debt we have is the house and we’re scheduled to pay it off within the next two years. Every little penny that we get as “extra” we put toward the principal on the house. We cannot stand owing money…..it eats at us. It’s bondage. The Bible says “the borrower is slave to the lender,” and we believe it 100%. So, take a little look with me at the Seven Baby Steps that we’re following from Dave Ramsey and find out that YOU can live debt free too! [Read more…] |