We are in our 6th week of Dave Ramsey's Financial Peace University. It has been great. I was hoping it would help my husband and I get on the same page as far as our finances go, and it truly has. We have been working for awhile to become debt free and to save. Going through this has helped us both see that we are SO much better off than most people and if we continue what we are doing and make a few changes based on what Dave recommends, we are going to be in great shape. I love what Dave says, "If you live like no one else, one day you will LIVE like no one else"
It is about choices. Do we buy this stuff now and suffer financially in debt or do we wait and save and know that our diligence will pay off in the end? We are choosing the big payoff in the end.
This program is tough but SO smart and easy to understand. Dave really helps you to see that you can pay off debt, you can save, you can give and you can LIVE! Last night my husband and I sat down and went over the budget for next month. We talked, listened to each other and made changes according to what we both agreed on. Honestly, months ago that talk would have been full of anxiety and tension. But not now, we have the same goals ahead. I know there will be some tough discussions about money in the future. OH YES, I am sure of it. But now we know that ultimately we are seeking the best for our family and our future- TOGETHER!
Are you giving, saving and planning for your future? Are you debt free? Dave has some simple steps:
1. save $1000 in an emergency fund
2. Pay off all debt except the house
3. Save 3-6 months expenses
4. Invest 15% of your household income in Roth IRA's and pre-tax retirement funds
5. College fund for kids
6. Pay off home early
7. Build wealth and give
It seems easy when you read it, but it is tough. BUT this program is great to help you see how to do it and the best thing...Dave is a Christian and he uses the scripture to help guide the way.
So, if you are needing help with finances, this week I have to say what works for us is Dave Ramsey. For more Works for Me Wednesday tips go to Rocks in My Dryer .
