Paying Down Debt

I’ll be the first to admit that we have made some pretty stupid decisions regarding our finances over the past few years.  The thing is, I never really understood how to be smart with money and how to live debt free…or even why we would want to.  It’s such a trap.

We have just completed a thirteen week course called Financial Peace University (Dave Ramsey) through our church.  We have learned SO much through this course and have committed to get out of debt (except for our main mortgage for our home).  We have a lot of work to do still, but we are happy to say we have completed baby step 1 and have been working on our debt snowball and have payed off four of our debts freeing up 340.00 a month that we can now apply towards the next debt on our list!.  It feels so good to do that.

I only wish that Sam and I had taken this course 15 years ago.  But then, I think, maybe we might not have been ready to make the commitment either.

But seriously, my opinion, EVERYONE should take this course…whether  you have a lot of debt or none.  It deals with so much more than just getting out of debt.  You can work through the course online for a small fee if you can’t take a class.  And the FPU member resources are amazing and so helpful.

Check it out…Dave Ramsey’s Financial Peace University

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