Go Get You An Umbrella! You’ve reached baby step 3! You now have NO DEBT except for your house, and are ready to beef up your savings. Congratulations! You are climbing a mountain and are two-thirds of the way up. Can you see the top? Pretty soon you will be at an overlook that you at one time thought was impossible. Keep moving forward! There may be times when you feel as if you are moving too slow, but just keep moving! Now isn’t the time to stop! Now you should be more motivated and here’s why. When you were […] Read more »
Some Bash Dave Ramsey, But Why?
Every so often, I run into a blog that bashes Dave Ramsey and what he teaches. If you are loaded with debt, and you don’t know who Dave Ramsey is, then maybe you should take this opportunity to get to know him. Don’t take my word for it, and especially do not take the haters word for it. Learn for yourself, and find out why Dave is actually changing people’s lives! You might be surprised at what you find out! Who Is Dave Ramsey? Dave has made it his mission to help people avoid, or get out of tough […] Read more »
Townhall For Hope – FREE LIVE EVENT Coming Soon!
Would The Real Person Responsible Please Stand Up! Not a day goes by where I do not hear at least one person, but usually more, complain about something that they don’t have. Whether it be health care and retirement, the lack of one stinking dollar in their savings account, or the ability to juggle a loftier than thou mortgage that is no longer affordable. It is no wonder people are running around scared to death. The truth is I feel a little scared too! BUT…our Total Money Makeover has relieved some of that fear, and hope has renewed our spirits. […] Read more »
Myth: I Don’t Make Enough To Do A Total Money Makeover
You Don’t Make Enough Money To Manage It? I hear this excuse all the time. Yes, I said excuse, or you could call it a justification for not wanting to face managing your money. Either way you look at it, it is still a myth. Yes, it is true that you could do more faster if you made more money, but to say you can’t, simply because you think it is impossible to do so much with so little, is selling yourself short. I would argue that it is even MORE important for you to be on a Total Money […] 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 »
A Gentle Scream!
How can a scream be gentle? Debt CONsolidation is a CON. It’s what normal people do and normal people are broke. normal people do it because they are conned into believing that it will solve all their problems. If saving interest on a few STUPID debts and giving it to the broke guy conning you, is your idea of fixing your problems, then consider being weird for a moment. Why pay someone to cut you? Paying someone to “work out your life” is not what you need. All you are doing is moving your debt, that’s it. There’s not […] 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 »
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 »