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 »

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 »

If My Words Were A Hand, They’d Be Slapping Some Sense Into You!

STOP BORROWING MONEY!!! Just to clear things up, the title isn’t to be taken literally. It’s just my way of grabbing your attention and telling you that if you are in debt, you need to hear this!! So LISTEN UP! This is perhaps the most important thing to learn after getting yourself on a budget. Dumping your debt will help you gain traction and in return offer you a hope you have never imagined. The reason is because all of the things most people have their money spent on before they ever get paid, steals their hope. When you accept [...] 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 »