Happy Monday! I love Monday’s, only during The Bachelor season, he he 😉 . But that is not what I’ll be discussing in my post. Today I am sharing how we (Nathan and I) are living like no one else.
Last week we decided to take the plunge and begin Dave Ramsey’s Financial Peace University. My sisters and their husbands are huge supporters of Dave Ramsey. They have inspired us to begin this journey. Laura and John even gave us this fantastic product (it matches our living room, he he):
We haven’t begun the class (due to my husband coming down with the flu eeekk) but we have already begun using cash only, tearing up credit cards, making sacrifices, and budgeting. Dave Ramsey says “If you will live like no one else, later you can live and (give) like no one else.” That hit us hard. We have been very selfish with our spending lately.
How We Are Living Like No One Else (already):
- As I was doing my weekly grocery shopping (with cash in hand), I added up my cart and noticed I was $15 over budget. I pushed that heavy cart around the store putting back items we didn’t have the cash for. It felt great when I checked out and had the correct amount of money for my order. And you know what? I can go a week with out those expensive yummy pickles (LOL).
- This weekend we went to one of my favorite stores, Kohl’s. That is a super dangerous store for me. I love the coupons, the Kohl’s cash, the rewards points, the gold clearance items, etc. I know that store like the back of my hand. Anyways, I had it all planned out to buy a couple of birthday gifts and use all these different coupons and Kohl’s cash. Little did I know, Nike wasn’t included, one coupon was expired, my Kohl’s cash was not in date, etc. After dragging my husband around the store for an hour, my huge bargain plan was a huge bust. What did I do? I left with all of my items at the cashier counter. There was a huge line behind me and it was very stressful. I walked out of that store in tears. What did my sweet husband do? He put his arm around me and assured me that I did the right thing. “Dave Ramsey would have been proud”. I felt so silly crying. I guess it was many emotions taking over. I am excited about this journey and I can’t allow marketing traps to spoil what we are trying to succeed at.
- We are sticking to our spending budget. We aren’t putting dinners on credit cards and enjoying ourselves with money we don’t have. I actually cooked dinner Monday-Friday, which I haven’t done in forever.
- I sold my Keurig and am already saving money not buying K cups. We are cutting back on a lot of “convenience” type groceries. I’ve been making trail mix by purchasing nuts and dried fruit in bulk.
- We are trying to sell unwanted workout items/clothes/house-ware.
- Add money to your Health Savings Account. Our HSA helped us out a lot this weekend. Flu medicine was definitely not in our budget this month, but thankfully we had it covered with our HSA. We haven’t even had time to build our emergency fund yet. So having a HSA has already been a blessing.
Have you tried Dave Ramsey’s Financial Peace University? How could you live like no one else so you can live like no one else later?
Please keep us in your prayers as we begin this journey and strive to have financial peace. Also, please pray for Nathan as he recovers from the flu and for me not to catch it. Thank you for reading and don’t forget to sign up for email updates so you don’t miss any future posts!
Tomorrow is Tidy Tuesday! 😉Marylee