Tag Archives: dave ramsey

Getting Out of Debt: A New Attitude

The idea of completely getting out of debt takes some getting used to. After all, most of us “need” to carry mortgages and car payments. If we want to go to college, we have to take out loans. Many of us struggle with credit card debt just to cover the necessities. As a family, we made a decision that we wouldn’t carry any debt that wasn’t necessary. Now, after Financial Peace University, we have learned that no debt is really necessary. That is quite an adjustment. I look around at all of the things that we would like to have, … Continue reading →

Getting Out of Debt: The Zero Based Budget and the CSA

Follow us as we get out of debt and be more purposeful with our money! This week, we are struggling with nailing down the zero-based budget and running into a couple of unexpected snags. Dave Ramsey recommends keeping track of your money with a zero based monthly budget. This means that you track every bit of income and expenses for the month, down to the penny so that there is nothing left over. This doesn’t mean that you spend everything, just that all of your money has a home, whether it is to pay off the electric bill or to … Continue reading →

Getting Out of Debt: It Begins

My husband and I are furiously trying to get out of debt. We just started Dave Ramsey’s Financial Freedom course and have learned a lot about doing just this. Follow us on our journey as we try to follow the plan and meet our goals. If you are thinking of taking the course, I highly recommend it. Even though my husband and I are pretty well practiced at saving money, we have already learned so much more than we thought we knew. While some weeks speak to us more than others, each weekly lesson has something that we take from … Continue reading →