Dave Ramsey Financial Peace University Week 8

bargain

If you are just tuning in I’m currently taking the Dave Ramsey Financial Peace University classes and reviewing them each week. If you missed any you can catch them here; Week 1: Super Saving Week 2: Relating To Money Week 3: Cash Flow Planning Week 4: Dumping Debt Week 5: Credit Sharks in Suits Week 6: Buyer Beware Week 7: Clause and Effect The Class This week’s Financial Peace University is called “That’s Not Good Enough” and is about bargain hunting. Or more specifically it’s about negotiating a deal. The real trick to getting good deals by negotiating is by [...] Read more »

Dave Ramsey’s Financial Peace University Week 7

insurance sign

This week's class was called "Clause and Effect". It was about insurance. I know its a fun topic! Everyone loves talking about insurance. NOT. But it is a necessary evil in our lives and overall it makes our lives less risky. Who doesn't want to get rid of some risk in their life? Plus it really doesn't take long to figure out what type of insurance you need and put it in place. Once its done you can check it off your to do list for at least a year, if not forever. Read more »

Dave Ramsey’s Financial Peace University Week 6

old fashioned sign

This week's lesson is Buyer Beware which is mostly about advertising and marketing. It was interesting because it's easy to forget that almost every company, big and little, has at least one full time person whose only job in life is to figure out how to get your money. It's pretty incredible if you think about it. He started out by saying how we are living in the most marketed culture in the history of the world. Which I totally believe is true. Look back at TV from even 20 or 30 years ago. There is way less marketing built into shows and sports. Well, put it this way, how could it NOT be true. They certainly aren't marketing to us any less, that's for sure. Read more »

Two Giveaways and a New Business Venture

Chasing Rainbows

Today I wanted to take this opportunity to share some things with you in case you missed it over the weekend. Many of you know Budgets Are Sexy but did you know that Giveaways Are Sexy too? Well they are, and my friend J. Money is making sure of it. This week I am sponsoring a sexy giveaway!! I have offered up a Financial Peace University Lifetime Membership Kit ($119 value) and you are invited to enter the giveaway. After you finish this post be sure to head over and enter your name to win!! Read more »

Financial Peace University Kit Bundle Giveaway Winner

congratulations

It’s time to announce the winner of the Financial Peace University Kit bundle!! At first I planned to announce the winner like I have the others, but I decided to do this instead. I also added some prizes to this bundle as an extra special thanks from me. As I’ve stated before I really truly wish I could give everyone something. I really have enjoyed getting to know so many of you over the years and I can’t thank you enough for all of your support and participation. The winner of today’s giveaway has me really excited because she really [...] Read more »

Debt Freedom Timeline: “I Can Finally Taste It, And It Tastes Really Good!”

Our debt free journey has been as hard as it has been exciting!!  This is a time line of how our Total Money Makeover looked over the course of about 20 months.  Time line is approximate. December 2007 Decided to start The Total Money Makeover as our New Years Resolution Joined MyTotalMoneyMakeover.com January 1st 2008 First day of our journey towards financial peace Starting debt: $26,076.75 Started our first budget ever! STOPPED WASTING MONEY ON STUFF! NO MORE BORROWING EVER AGAIN! February 2008 Put our 2004 Pontiac Vibe on craigslist Bought Honda CRX for $500 Sold Vibe by end of [...] Read more »

To Be Bullied Or Not Be Bullied, That Is The Question

I think that dealing with creditors is probably one of the most emotional experiences one can have at a time when they are likely the most vulnerable.  Think about it.  When you owe someone money and they are constantly hounding you to pay what you already know you owe, it can break anyone down who does not know how to handle them.  Usually what happens is they use tactics to bully you into using your grocery money to pay them NOW!  Credit Sharks In Suits (FPU Lesson) is great for helping you learn how to deal with these sharks, as [...] Read more »

Financial Peace University Comes To Charlottesville

It is now official! FPU is coming to Charlottesville, specifically to Trinity Presbyterian Church! The preview will be on July 20th at 6:00 p.m., and the classes will begin on August 3rd! During this time I will be using this blog to get the word out. Almost everything you see will have something to do with FPU. I have created my own video to start things off! ENJOY! UPDATE: We have obviously not reached our original goal of September of 2008.  That goal was set based on everything working out perfectly.  As you know that only happens in the movies.  [...] Read more »