Thursday, January 13, 2011

Dave Ramsey, I'm Trying!

So, as you noticed on my end of the year post, one of my resolutions is to become debt-free. And what led me to that epiphany was two of Dave Ramsey's books I read over Christmas break. I loved the idea of not having any debt and being able to retire comfortably one day! So, I made a budget, bought some envelopes, and waited for January 1 to come. And it did....and so far, two weeks into my resolution, I am still going! It's tough some days!
I think when I first approached Richie with my idea, he thought I was nuts. I know he felt like he was getting an "allowance" when I told him about it, but hopefully now he realizes that we are going to be so much farther down the road one day!
Dave always says, "Live like no one else, so one day you can live like no one else!"
My kids cracked me up at the grocery store last weekend. I pulled out my "grocery" envelope and got ready to pay the lady my cash and Kylie said, "WHOA MOM! Where did you get all that money?" They are not used to seeing me pay with cash for anything and she though we were just rich because we had cash. What's funny, it wasn't hardly any money at all!
There are times it's hard, but I keep thinking about how much further ahead we are and will be one day and it doesn't seem like a big deal after that.
I love looking at the debt snowball worksheet and playing around with ways to pay off the debt faster!
So, thanks Dave! I'm trying! And if you see me out, don't laugh at my tattered envelope, because one day, I'm gonna be debt free!


Erin said...

I've been a Dave "lover" for a long time, and his program has helped us get debt free except for 1 vehicle and the house. We're working on "the steps". We've followed a lot of his advice, but never actually had the envelopes. On January 1 I started writing down every single penny that we spend. At the end of the month we are going to re-evaluate and give it a try!! Glad you are doing so well!!!

Tonia Hobbs said...

When I have cash, my kids always think I have money! Oh geez. . . if they only knew.. . .

Tonia Hobbs said...

I am the one that deleted my comment! Sorry, I posted the same comment twice! Coffee please.