Everyone has goals in life that aren't particularly lofty, but still something that feels just out of reach maybe because either you are too lazy or don't know how to start - to lose weight, to spend less money, to get rid of junk, to be organized...the list goes on & on. I am part of that bandwagon...I'd love to lose 40 pounds, I wish I had $20K liquid in the bank, I'd love to have a perfectly organized house where everything has it's perfect little place in it's perfect little basket, bin, or other fabulous storage container. The reality is that I have been a "member" of a gym for 2 months that I have not been to once...I have a LOT less than $20K in the bank & my house is so far from organized, it's not even funny. We REALLY want to buy a house, so the money goal is most important on our list for now.
Aside from "knowing" that we need to save more & spend less, we didn't/don't have a flipping clue how to do it realistically. I'm pretty sure we weren't even on the right planet. That, however, has all changed now. With plenty of free time on my hands, I have scoured the internet, twice, for the best advice and ideas that I could find on how to save money, improve our credit and spend less. Let me tell you before you follow in my footsteps that the vast majority of what you will read is B.S. I wouldn't say I stumbled upon Dave Ramsey - I'd heard of him before, but never took the time to listen to what he was saying or read his advice. I became more interested in his philosophies towards the end of 2010, and I broke down and bought the Starter Pack about 10 days ago. Like thousands of people before me, I have to confess that Dave Ramsey has COMPLETELY changed my view of how to handle money from management of my own to how to trust & invest it to benefit myself & my family.
Money is one of those taboo subjects that your "not allowed" to talk about, like you're not allowed to ask a woman her age or how much she weighs. I'm done not talking about it, because talking about it makes me accountable to someone other than myself - not because the opinion of others matters, but because it's a true lesson in humility...stay tuned.
