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 »

BEFORE you go into more debt, WATCH THESE VIDEOS!

Do You Have The New Car Itch? If so you need to watch these videos. They are promotional videos from Dave Ramsey’s Financial Peace University. How many more loan payments are you going to “NEED”? Wise up America!! THINK! Do better for yourselves and your families! Stop buying into the lie that you need to go into debt to have stuff. Stop being a SLAVE, and refuse the bondage that is offered to you everyday! SAY NO! Think about what you could do if you didn’t have all those payments! Here’s an exercise that could help you realize the answer […] Read more »

Exciting Ebay News! Big Payoff With Little Expense

Well to update everyone on our Ebay plans, we have not done much on the auction sites yet. The reason being is that I want to research as much as possible before we get started. I am still looking into the legitimacy of the sites I found as well as practicality. I will be sure to inform you of any updates as they become available. This machine cleans floors without you doing a thing! What’s New? Todays news is exciting because it just happened to fall in our lap. My wife was out one day doing her Goodwill rounds and […] Read more »

That’s Right Diane Sawyer, You Should Pay Your Credit Cards LAST!

I watched a video where Dave Ramsey and Clark Howard were being interviewed by Diane Sawyer. In the interview, Diane Sawyer looked bewildered that they would suggest to pay the credit cards last. Then I saw another video that pretty much illustrated why Americans are on the wrong track financially. In this interview, Mellody Hobson is telling us how to survive an economic crisis. Some of her advice may be OK, but her answer on how to prioritize your bills lead me to believe that she is a lunatic!! She says you should pay your credit cards first so you […] Read more »

Financial Peace University and Me

As some of you know I have been in the process of bringing Financial Peace University to my church.  I have met with and introduced the class basics with two groups and last week I received word that it is a go.  I didn’t really have any doubt about if it would be accepted but the time I had to wait has been working on my patience.  Not because I don’t understand the process, well maybe a little, but mostly because I am very excited about getting the show on the road. I have an unbelievable desire to share what […] Read more »

Taxes, Incentives, and Less Government

Hijacking Incentive Since 1913 I was reminded today of how much I hate taxes so I thought I would come here to cry about it. 🙂 My wife had to meet with Human Resources this morning for her new job and they informed her that the $2,000 bonus she is to receive will get hit by taxes to the tune of 38%. WHAT!!! Out of $2,000 we are only going to see $1240? (Counting to 10 to gain composure.) …8, 9, 10. (Deep Breath) You mean to tell me that the Government needs to misuse and blow $760 just because […] Read more »

Ebay Experiment: Taking Ebay To The Next Level

Well folks, I am ready to take Ebay to the next level. We have had very good success using the methods outlined in Selling On Ebay Is As Easy As 1-2-3, but it’s time to expand our efforts. The main reason for this is because my wife starts her new job as an R.N. at the end of the month. We have been very happy not having to use a day care provider up to this point and we intend to continue this. My wife is going to have a pretty erratic schedule in the beginning, so we are being […] Read more »

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 »

Is It Really EASY Money?

Do people really think this is “EASY” money? Can you say OXYMORON? Good because money isn’t easy, and there is certainly nothing easy about paying more than 500% annually for a loan that will most likely amplify the problem instead of fix it. Have you ever considered getting a Payday loan? Every day many people find themselves in a position where they feel that a Payday loan is the only answer. I have been very lucky in this regard and have never followed through with one. I did consider one when I was younger but I caved at the end […] Read more »

The Perfect Day

Everyone that has kept up with my blog so far, knows that I am big on personal responsibility and setting goals. I love goals! I understand how to set goals but I am not always the best at writing them down. Brian Tracy is my favorite person to listen to when it comes to setting goals. He says, “People with clear, written goals, accomplish far more in a shorter period of time than people without them could ever imagine.” For this to work, you obviously have to stick to the plan. For me, the budget has been the best example […] Read more »

Memorial Day Tribute

Without those BRAVE men and women that sacrificed and paid the ultimate price, we would not be free to have what we have. Becoming debt free wouldn’t matter much without the freedom we have been given. We should all reflect on what kind of person it takes to fill those shoes, as most of us have no idea what sacrifice of this magnitude feels like. The families who have lost loved ones, my heart is with you! THANK YOU! GOD BLESS AMERICA! GOD BLESS OUR TROOPS!   Read more »