Whose Cash Is It?

It doesn’t matter how big a house you live in , or how fancy a car you drive, or how many designer names you have in your closet – if you owe money to somebody, you are not wealthy.
Dave Ramsey
This is a hard concept for some people to get. I know it used to be [...]

Don’t Let Your Life Be An Embarrassment

I heard a story on Dave Ramsey’s podcast last night that blew me away. Unfortunately, it’s probably more “normal” than I even realize.
The caller went on and on about how he had a great income, they lived a good life, always had money to pay for everything they needed, went on fancy trips, bought [...]

All We Need Is Just A Little Patience

I love technology that makes life easier. I have a PDA, a laptop, an iPod, and more email accounts than I care to tell you about. I wonder what I did before these things even existed.
While technology is great, it has made this an extremely impatient society that we live in. If we want [...]

Extra Money

A major key to us getting out of debt was looking for any extra money we could. This month I have two examples that have affected us that may give you some ideas on where to look for extra money.
Extra Money Example #1 – Extra Paychecks
For our monthly budget, we expect 2 paychecks for [...]

Easy Way Out or Behavior Changing Way Out?

In today’s society, we want everything to be easy. We want television watching to be easy so we get a big screen and make sure we have enough remotes so we don’t have to get out of our chair. We want driving to be easy, so we buy a GPS system so we don’t have [...]

Winner!

Congratulations to Amanda Chapman! She was the lucky winner of the Dave Ramsey book giveaway. I’ve emailed you, Amanda, so send me your address and I’ll get it sent out right away.
I had tons of comments from people who have heard of Dave Ramsey but didn’t know much about him. A lot of people [...]

Dave Ramsey - Baby Step 2

You’ve got your $1,000 saved after going through Baby Step 1. You’ve set it aside in a place where it’s not too easy to access. Now you are really ready to dig into what can be the longest and most painful, yet most satisfying, Baby Step. This step will force you to “live like no [...]

Dave Ramsey - Baby Step 1

After reading some of the comments on my giveaway post, it’s apparent to me how many people have “heard” of Dave Ramsey but don’t really know what he’s all about. My fear is that some people will blow him off as just another financial dude with a philosophy on money. But Dave’s different. I rarely [...]

Both Sides of the Fence

I used to be on the “other side”, spending money as I pleased. When I had my shift in money philosophy, my husband was still stuck back on the other side of the fence. We had a lifestyle of spending that he was not ready to give up. Even though it was frustrating, I understood [...]

Keeping Our Eye on the Prize

When we first started our baby steps, we decided we needed a reward after we got through baby step two. Step 2 is by far the hardest and can take a very long time so we needed to hang a carrot in front of us.
Actually, we have two carrots. The first one, of course, [...]

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