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Financial Peace University Coordinator Update

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We just completed the Dumping Debt lesson in our Financial Peace Universityкомпютри втора употреба class. Things are going very well. I am excited that everyone is excited about these lessons. I absolutely love the new material that the new kits include. Same great information but just better.

Every time I watch the Dumping Debt lesson I get motivated and inspired. This being the second time taking the FPU coarse I wish I could say we are farther along than we truly are. But I have to keep reminding myself that we are still taking steps forward. They may be very small steps but a least they are steps forward. If we keep moving forward we are bound to reach our destination.

This doesn’t mean I want it to take 100 years to reach our destination. I don’t expect it to take more than a couple of years but I wish we could have been able to shout, “We’re Debt FREE!”, at the start of the FPU classes we are coordinating now. But oh well! Sometimes the perseverance lesson is the best one of all.

What I love about Dave Ramsey and his team is that they keep up with technology. This time around we are able to use some great tools they have available in their online Members Resource Center. This resource center is available to all current FPU members including Online FPU members.

There is a Gazelle Budget online software that you can use now. With the Gazelle Budget you can enter all of your income and outgo information and print out your budget. It’s easy and very useful. They also have a Debt Snowball online that allows you to enter your debt information and determine how long it will take you to complete the debt snowball. There are also some other cool tools available like the millionaire calculator, buy vs. rent calculator and the investment calculator.

If you are struggling financial, think you have it all figured out or have no clue as to how to handle your money, Financial Peace University can and will help you if you are willing to really take action and change your future.

May 5, 2008 | Filed Under Financial Freedom Journey Pep Talk, Financial Peace Baby Steps, Financial Peace University | 2 Comments

Financial Peace University - Coordinator News - Class 1 -Super Savers

photo credit: PPDIGITAL

We had our first Financial Peace University class this past Sunday. It was a small group but I think it will be a great class. So far I am very please with the new FPU material. The videos are all updated from the last series of classes we coordinated. The Super Savers lesson was absolutely hilarious. I think everyone in the class was pleasantly surprised that the video sessions were entertaining as well as informative.

Discussion after the video went very well. We had one family drive 45 minutes to be apart of this class. The FPU class is already very different than the last one my we coordinated. Last time we asked the leadership of our church to join the class so that we would all be on the same page. This time people joined the class out of need.
The Super Savers lesson was very motivating. It’s been a rough couple of months for our family and we have not had our emergency fund because we had to … spend it on an emergency. Actually we have had to do this a few times. The fact is we are still spending more than we make. We are going to have to really make some tough decisions the next few weeks. We need to lower our expenses which seems to rise very quickly every time the gasoline prices go up (currently over $3.67/gal). Because my husband commutes the rise in gas prices increase our monthly bill by about $100 - $200.
This FPU class couldn’t have come at a better time for our family. My husband and I had lost our motivation and began to have feeling of hopelessness again. Though our overall situation has improved over the last 2 years, it had become very difficult to continue when you have lost your motivation.
The knowledge gained from FPU is truly life changing but all the knowledge in the world won’t make change. It’s the decision to change and motivation to continue on this journey that really makes a difference.

The main lesson I took away from our first class was that we need to remember as small as our baby steps may be they are still steps forward. As long as we keep going in this direction we will complete the journey.

April 8, 2008 | Filed Under Dave Ramsey Financial Freedom, Dave Ramsey Financial Peace University (FPU), Financial Freedom Journey Pep Talk, Financial Planning | 2 Comments

A Picture of Wealth - How Do You Define Wealth? How Does It Define You?

How do you define wealth?

Do you define wealth by the amount of money you have?

Do you define wealth by the amount of toys you have?

Do you define wealth by your status or power?

Or?

Do you define wealth by the love of your family?

By the safety and security of your family?

By a life fulfilled and loved?

The wealth you seek now defines how you will be remembered and whether your life was picture of true wealth.

True wealth has nothing to do with money, status or power.

photo credit: Tracy O

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photo credit: homernarvaez

photo credit: Christian et Cie

photo credit:mobile_reflections photo credit: S A M I K Productions - © KimL.Francesco B

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March 28, 2008 | Filed Under Dave Ramsey Financial Freedom, Financial Freedom Journey Pep Talk, Making More Money, True Wealth | 1 Comment

Smart Money Management Will Always Be a Win Win Situation

I think there are many people in this world that view personal finances as a separate force that can not be controlled. I talk to many people about finances and it seems that people talk about their finances like they wish they could have control over it. Sometimes I hear people talk about their finances like they are gambling. “You win some, you loose some”.

In many cultures today we are being taught to not be wise with our finances all the while thinking we are being wise. The first thing we are told after we graduate from high school is that we need to ‘build our credit’. So we get that first credit card and then it’s all down hill from there. We are teaching our kids that the way to be smart financially is to go into debt as a right of passage into adulthood. If you think about it, telling a teenager that going into debt is a smart financial decision is the most absurd advice ever given. By sending young adults into the world with a credit card user mind, we are apart of a cycle of poor money management.

Debt is not something that should be sought after, it should be something we run from. Doing everything humanly possibly to stay out of debt while seeking the true keeper of our funds and supplier of our needs (God), at all steps of our financial journey is the best way to view debt.

A win win financial situation is a life of budgeting, spending less than we earn, saving, investing, giving and staying out of debt. We are not gamblers of our personal finances, we are handlers our personal finances. Be smart and learn smart money management.

Dave Ramsey offers the best financial advice. Check out Dave Ramsey website.

March 13, 2008 | Filed Under Dave Ramsey Financial Freedom, Financial Freedom Journey Pep Talk | 4 Comments

Paying Off $90,000 in Debt in Two Years - Debt Freedom

Check this out on Dave Ramsey’s talk show. This family paid off $90,000 in debt two years. That is a lot of money!

February 18, 2008 | Filed Under Dave Ramsey Financial Freedom, Financial Freedom Journey Pep Talk, Financial Goals | Leave a Comment

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To gain financial freedom you must take control of your money, plan for the future and Stop Borrowing Money! This blog is about one family's journey toward financial freedom.
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