Credit Sharks in Suits

Dave Ramsey wasn't kidding when he said credit card companies are like sharks! They are relentless. But I did not give in and after 20 minutes of battling with them over the phone today my credit card is canceled once and for all! Sure, there were tons of other things I really wanted to buy with that money but I know using it towards debt was the smart thing to do. There are far more important things in life than the "stuff" we collect. The borrower is always the slave to the lender and that is no lie. It is such a freeing feeling to have one less debt to worry about. That feeling far outweighs the temporary pleasure of anything I could have bought with that money. I am so proud of how hard Kyle and I have worked to reduce our debt by SO much this year. We are now one step closer to being totally debt free!!

Financial Peace

Last night was our last night of Dave Ramsey's class, Financial Peace University. To say I got something out of this class is an understatement. I have a completely different view of money and finances, savings and the future. Let me just say that just because you are able to pay all of your bills every month does NOT mean that you are doing well financially. If you have any debt at all, you need to restructure your finances and work even harder towards a debt free life. We are already saving a lot more money after this 13 week class and are on a much faster path to being debt free. I am really starting to see debt as a negative thing instead of the normal thing. Being in debt is normal, we want to be weird like Dave. ;) I can't wait until we are out of debt and can give like we want to. I am naturally a giver and it is so hard for me to not be able to give like I want to because of our debt. We must stay focused and have patience but I am so thankful we had the opportunity to take this class while we are young and before we have kids. We have time to fix any mistakes that we have made and we have time to get out of debt! It has been such a blessing!