So we've almost done it, we are down to the last week of courses and due to some slacking on our part and trying to catch up. But oh the things we've learned!!! We are determined to download all the worksheets and lesson audio before our time is up. Have SO enjoyed the classes and will kind of miss it when it's over. Pretty sure we're asking for the book for Christmas, so have that to look forward to as well.
We have learned so much, so much more then I can even start to cover. Especially since I'm almost half asleep and haven't been able to keep up on weekly installments to keep you up to par. Sorry :(
But I would definitely recommend it and it has helped us so much! We are so excited to finish and apply it all and see how we come out in the years to come.
So far we have paid off our credit cards and cut those up, paid down our car loan an extra $1300 and are continuing to make atleast double payments per month (aiming to pay it off in 2 yrs instead of 4), have set up a small $1,000 emergency fund (the best thing EVER, finding out you have to get new tires on your van isn't that big of a deal anymore, and not any cause for argument). Life is good and secure, granted I get annoyed at times that we can't pay things off instantly, but as we know, good things in life take time.
We have been amazed at the blessings that have come. We have always paid, or tried to pay, a faithful tithe and have found with all this precise budgeting (or as close as I can yet figure out) that we can now visibly see the monetary blessings that have come from tithing. We were shocked to find that last month we were somehow $300 short and thought we would have to borrow from our emergency fund, but somehow we managed to be perfectly fine by the end of the month. Then again this month we took our car in for a tire rotation and oil change, just to be told our tires were bent and needed to be replaced, it was going to be $500, which wasn't horrible since we knew we had the emergency fund, but it meant postponing paying off the van so we could rebuild the emergency fund. Well, once again, come the end of the month we do all of our mathematics and manage to only have to borrow $20 out of our savings, once again with no clue as to how. I'm chalking it up to blessings and thanking the Lord, never felt so blessed and so reassured that we were making great decisions.
So if you are looking to figure out how to budget well and manage your money, get definitions of investing and help with doing so, are buying or selling a house, want to get good deals, learn how to pay off debt quickly and efficiently, and find a job you love and make it bring in money, this is DEFINITELY a course for you. I have learned so much I never knew about before, and wish they had taught this in high school. Dave Ramsey is helping to change the world, one person at a time, helping us all realize we work our whole lives, so shouldn't we be able to retire and survive without government aid in the end? What an amazing life it will be when we are DEBT FREE!!!!!
I love having no debt and having a comfortable cushion/emergency fund. It does make for a much more peaceful relationship and lower stress when things pop up. As of this month we now have a car loan (but not huge and will be paid off early too), and already I remember how excited I was to be nearly done paying off our last debt years ago.
ReplyDeleteOne of the things my parents had me do as part of buying my first car was make the car emergency fund to cover the insurance deductible and major repairs, should/when they pop up. I've appreciated that advice ever since.
And, by the way, yay for you guys making that much progress already!!