Manage Your Money 2010 Budget Challenge! {{{{{{Trumpets Blaring}}}}}} I am very happy to announce that we currently have 40 people participating in this challenge, including myself. That is AWESOME! New sign ups will be permitted until midnight on Wednesday March 3rd. If you know any procrastinators out there that planned on joining you better let them know. 馃榾 Before I fill you in on the first challenge, I want to be sure everyone is clear on eligibility. In order to be eligible for the wonderful prizes that are available, YOU MUST, I repeat, YOU MUST participate in the comments […] Read more 禄
We’re Debt FREEEEEEEE!!!
…20 months in the making. We are finally debt free! Two months to save $2,000, and 18 months to pay off about $26,000! The feeling is amazing! We owe NO ONE but our mortgage company! NO car payments! No furniture payments! No student loans! No more stupid debt for us please! A lot of people dream about this day, but it seems like fewer people actually work towards it! Are you that person? We used to be. We accepted all of the social standards for having and using debt and it didn’t work out. Freedom is so much more sweet […] Read more 禄
The Dream Budget: Your Debt Free Potential! What’s Yours?
What is the “Dream” Budget? I have referred to this before in earlier posts, but I have never actually written a post about it. Basically a dream budget is the budget you would have IF you were completely debt free. That’s right, no car payment! No mortgage payment! No credit card payments! No debt at all! I always ask my Financial Peace University classes to do a dream budget. I believe that when you see how much you could do without debt in your life, it will inspire and motivate you to set that goal. This exercise should not […] Read more 禄
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.聽 That goal was set based on everything working out perfectly.聽 As you know that only happens in the movies.聽 […] Read more 禄
The Budget Puzzle
Is your puzzle missing a few pieces? Your budget is just like putting together a puzzle. Every piece is important because without all the pieces it will never be complete. If your budget is not a completed plan for how to spend your money, it is not a plan at all. There are many things that have to be considered for a budget to work. The death of a budget is when we feel the budget has failed and we give up. It’s true the budget did fail, but we need to understand that it only failed because we failed […] Read more 禄
Poverty To Prosperity
This is an age old problem that seems to never go away. How do you end poverty completely and is it even possible? I believe that there is an answer to this question, and believe it or not, the Government is not it. The answer is YOU! The way you think, the way you learn, and the actions you take all determine where you end up. If you can work, then you can change your future. I always remember the true story, made into a movie, where Will Smith plays a homeless man that constantly faces challenges and disappointments in […] Read more 禄
The Debt Free Scream!
Hello everyone and welcome! I was reflecting on what gives me the most inspiration and encouragement to complete our Total Money Makeover, and I realized that the most emotional feeling derives from people calling in to the Dave Ramsey Show to scream they’re debt free!! Every time I hear a caller scream these 3 very powerful words it makes me imagine being there and what it feels like! Sometimes this means the eyes water up! Imagine with me for a second and think about screaming these three words. “WE’RE DEBT FREEEEEEEEEEE!” Imagine that is you! How do you feel? GREAT […] Read more 禄