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  1. 09-05-2008, 10:44 AM #1
    peanut
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    Talking Budget a la Dave Ramsey!

    DH and I listened to the second FPU CD on cash flow planning together last night...after I had listened to it twice before on my own...just to make sure I didn't get caught in any surprises.

    I don't have the exact book that goes with the FPU course...possibly a different edition. Anyway, between the TMM Workbook and the FP Planner I was able to find and mark all the forms DR discusses with post-it notes. But, to my delight, DH didn't need them. DH is a whiz when it comes to number things. He took some accounting training back in his salad days, but decided to do something else for a living.

    He listened intently and claimed it made a lot of sense, and that he'd like to go to an event just to see DR in action. WHOA! Now that's an about face! I asked him if he thought it was worthwhile redoing our budget, a la Dave Ramsey. He said he thought it might be. So we've set aside Saturday to work on the forms presented on the second CD. I can hardly wait!

    Jean
    Last edited by peanut; 09-05-2008 at 10:44 AM.
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  2. 09-05-2008, 11:09 AM #2
    Greebo
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    Rock'n'Roll, Peanut! Rock'n'Roll!
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  3. 09-05-2008, 11:27 AM #3
    DJ1972
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    That's awesome!
    DJ

    Married to DH since 1993
    DD age 16
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  4. 09-05-2008, 12:20 PM #4
    Samigirl
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    Sweet!


    How much we enjoy what we have is more important than how much we have. Life is full of people who have more than they know what to do with, but cannot be content. It is the capacity to enjoy life that brings contentment.---Unknown
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  5. 09-05-2008, 12:21 PM #5
    frugalfriend
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    So happy for you, Jean! That's a big step for him! WTG! Let us know how it goes!
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  6. 09-05-2008, 12:29 PM #6
    Cricketlegs
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    It is so nice to see it all come together. Imagine what you can accomplish now with both on the same budget plan!
    The math never lies, budget in INK!

    Amount of Free items 2012 $391.33


    Debt #2 12/31/12 CC $901.88
    Debt #3 12/31/12 $3648.83

    Madness, mayhem chaos...my work here is done!
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  7. 09-05-2008, 01:19 PM #7
    chevy_chick95
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    that is awesome jean!! wahoo!!
    Brandi
    Mom to Duramax and to Chelsi -I miss you

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  8. 09-06-2008, 07:27 PM #8
    peanut
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    Well we did the first budget today. Boy, do we look good on paper! Still, it's not so good when you add up the cost of all the things we want to save for. There are a lot of things we should have been saving for for years, but haven't...like home repair and car replacement. I guess that's where my inheritance will come in...to pay for the stuff we were too disorganized to set aside money for...sigh...

    Jean
    2012 Challenges

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    20 Wishes Challenge: 1/20
    Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
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  9. 09-06-2008, 08:05 PM #9
    missmanny
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    peanut, that is fantastic news, you must be excited. Glad to see that you've written the budget too.
    Debt 1 - Paid in Full (originally $750)
    Debt 2 - Paid in Full (originally $2100)
    Debt 3 - Paid in Full (originally $3500)
    Debt 4 - Paid in Full (originally $4000)
    Debt 5 - Paid in Full (originally $3000)

    FFEF - Fully Funded with 6 months of expenses as of July 2009

    Next Step - House deposit
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  10. 09-07-2008, 06:01 AM #10
    Greebo
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    Quote Originally Posted by peanut View Post
    Well we did the first budget today. Boy, do we look good on paper! Still, it's not so good when you add up the cost of all the things we want to save for. There are a lot of things we should have been saving for for years, but haven't...like home repair and car replacement. I guess that's where my inheritance will come in...to pay for the stuff we were too disorganized to set aside money for...sigh...

    Jean
    We have a similar situation - in putting our money on a clear purpose (ie: a budget), we have also come up with lots of categories where we know we'll have costs sooner or later, and are saving for them. If we didn't save up for the home repair, the car maint, the vet costs, and so forth, we could put SO MUCH more on our snowball - I mean like nearly double it... But then what would we do when those things do happen, but tap the EF and possibly go into debt to cover them?

    Stay strong!
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  11. 09-15-2008, 05:32 PM #11
    HappyMama
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    You have done a great job so far and now with you both on this new budget plan the possibilities are endless.
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