Thursday, March 22, 2012


So we have started taking a financial class a few weeks ago.  It is called Financial Peace University by Dave Ramsey.  I am actually enjoying this class and I find it very interesting.  I think that if we kept spending the way we had been spending we would have been faced with a ton of problems.  We just want to get our credit cards paid off and destroyed!!  We have made our first budget and basically that is all we did, make it and not follow it.  This morning as I looked over what we had budgeted for and what we actually spent the whole month of March I was so mad at myself.  I keep hearing that it takes a few months to get the hang of keeping to your budget so I am still hopeful.  Meanwhile we have begun paying off our credit cards and this is the second month that we have not used them at all.  That alone makes me proud of us!  We have made large payments to a cards and I get so excited when I see the remaining balance drop dramatically.  So it has been hard but I am glad that we are receiving this information while we are young and we are still able to turn our situation around for the better.  If anyone has the chance to take this class by Dave Ramsey I would highly recommend it.

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