My husband and I are on a mission to be debt free.
We have taken Dave Ramsey’s Financial Peace University and it has given us a framework for victory. As part of our mission, I have added “home economist” to my roles of wife and mother.
We are a long way from “town” – 2 hours from the closest major shopping center. So, many typical budgeting strategies – like buying in bulk – were not only practical, but necessary. Believe me, when you forget something important, it’s MUCH more annoying when you are 2 hours away rather than 20 minutes.
So I began to dig into planning a budget, to figure out what really works.
I have seen our situation as a personal challenge rather than bunch of sacrifices. As an opportunity to learn our purchasing patterns, make smart decisions, and get the most bang for our buck. I have studied what we buy, and from that realized what we like and what works well for us.
I admit some of the things I have done could be considered radical.
Some have even called it “monastic” – whatever that means – but hey, if you want change, why waste time? Make radical your friend. Get intense.
I know I am a little nerdy, but I have found our process to be fun.
It’s fun to see progress, to get one thing down and take another step. Planning ahead is rewarding. It makes me happy to have what we need on hand, like a case of toilet paper in the basement, or everything I need to make a good, healthy meal anytime. I like getting the most for my dollar. Who doesn’t??
I will be sharing a series of 10 budgeting tips I’ve learned, in part, from living on a ranch.
I think these things can make sense for anyone. Even after we are debt-free I will continue to use many of these tips so we can save money and accelerate our progress towards our future goals.
Stay tuned for my next post, Tip #1, TOMORROW…
Tip #1 is one of the first strategies we implemented in our household. It made a huge difference.
Is debt a challenge in your life? Money problems are a leading cause of stress in relationships and a top cause of divorce in America. The Bible says that the “borrower is slave to the lender” (Proverbs 22:7). But this doesn’t have to be your life story. Get a plan. Tackle it. You CAN get through this challenge. Yes, it is challenging, but it can be an enjoyable experience. It can be an opportunity to grow personally, or in partnership with your spouse.
Take a look at these things:
- Dave Ramsey’s Financial Peace University. You can do this class from home (like we did), or join an in-person class.
- Dave Ramsey daily audio / video broadcast or podcast.
Let these quotes inspire you:
For NOTHING is impossible with God. (Luke 1:37)