I borrowed money in undergraduate when the money my father was providing ran out. I could have avoided borrowing any money had I finished undergrad in the alloted time frame. But instead I borrowed money and I believe it to be "free money." It is further evidence of my lack of planning. Today I have been out of school for almost15 years. I owe as much as I did the day I left. I have put it into forebarence more times than I care to count.
I do not own a time machine so we will work on paying off all of our debt, including that stupid student loan.
We go to our preview class for Financial Peace University tomorrow night. BRING IT ON.
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CHANGE –verb (used with object) 1. to make the form, nature, content, future course, etc., of (something) different from what it is or from what it would be if left alone: to change one's name; to change one's opinion; to change the course of history.
About us
We are Betsy, 44 and Jeremy, 42. We have three, scratch that, FOUR children, Merriweather is 10, Wilton is 8.5, Oliver is 7 and Eliot, he was our surprise for 2010, is 2.
We are committed to continuing change in 2013 and beyond! We enrolled in and graduated from Dave Ramsey's Financial Peace University class. In January of 2013 we hosted our first class. It was really wonderful to give back and encourage families.
Thank you for stopping by.
We are committed to continuing change in 2013 and beyond! We enrolled in and graduated from Dave Ramsey's Financial Peace University class. In January of 2013 we hosted our first class. It was really wonderful to give back and encourage families.
Thank you for stopping by.
Resolution - the act of analyzing a complex notion into simpler ones
I wrote these for 2010...We did make a lot of changes last year, but still have some work to do. So with that said. I like this list:
I resolve to have a date night with my husband, every month. - this is SO hard
I resolve not to smoke. - done
I resolve to eat less without sacrifice. - Yes!
I resolve to move my body and pump my heart. - trained and ran TWO 5ks!
I resolve to plan our lives. - There is always room for improvement
I resolve to rise earlier than my children. - having a baby helps with this one
I resolve to find a church and bring the children consistently to that newly found church. - Yes, we have and we love it!
I resolve to live in abundance. - must remind myself of this one, daily!
I resolve to write. - I have not done this at all.
I resolve to have a date night with my husband, every month. - this is SO hard
I resolve not to smoke. - done
I resolve to eat less without sacrifice. - Yes!
I resolve to move my body and pump my heart. - trained and ran TWO 5ks!
I resolve to plan our lives. - There is always room for improvement
I resolve to rise earlier than my children. - having a baby helps with this one
I resolve to find a church and bring the children consistently to that newly found church. - Yes, we have and we love it!
I resolve to live in abundance. - must remind myself of this one, daily!
I resolve to write. - I have not done this at all.
Notable Quotes
"New year or not, you are not going to reach your full potential by accident. You need to make a plan, write it down, and then attack it!" - Dave Ramsey
"All of old. Nothing else ever. Ever tried. Ever failed. No matter. Try again. Fail again. Fail better." - Samuel Beckett Worstward Ho (1983)
"Character is the ability to carry out a good resolution long after the excitement of the moment has passed.” ~ Cavett Robert
"All of old. Nothing else ever. Ever tried. Ever failed. No matter. Try again. Fail again. Fail better." - Samuel Beckett Worstward Ho (1983)
"Character is the ability to carry out a good resolution long after the excitement of the moment has passed.” ~ Cavett Robert
7 Baby Steps by Dave Ramsey
1. Fund a $1,000 emergency fund
2. Pay off debt using Debt Snowball
3. Save 3 to 6 months of living expenses
4. Save 15% of household income for Retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give
We are on BS 2 and holding steady.
Starting debt = $88k
Current debt = $65k
2. Pay off debt using Debt Snowball
3. Save 3 to 6 months of living expenses
4. Save 15% of household income for Retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give
We are on BS 2 and holding steady.
Starting debt = $88k
Current debt = $65k