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Passing up on the “stupid tax” and walking the path to Financial Peace

About six months ago(before Dave), J was offered the opportunity to go on a business trip to California. Included would be an apartment, a rental car, and a per diem rate with which we could buy groceries. We’re on the east coast, and who knows when an opportunity like this would ever happen again. It was something we couldn’t pass up. A free trip? Free to poor people trip. Now, we see the situation through different glasses, with Financial Peace in our sights. Truthfully, after air fare, boarding our dogs, spending money in CA, this “free trip”, could’ve easily cost us $1500. Before Dave, $1500 was nothing. We refinanced our house in order to remodel it a year ago, and I spent half of it without blinking.

This morning, J told his boss that he’d be unable to go. We’re okay with it. We were very excited about it 6 months ago, planned the trips we would take while in the San Diego area. But now we’re more excited about the opportunity to be debt free in 2 years. We can’t throw away all the lessons learned in the last 13 weeks for a trip that, as those striving for Financial Peace, those doing what rich people do, can’t afford. If I’m honest, we’re quite proud of our decision. We’re delaying instant gratification and instead walking the path of Financial Peace.

We’re living like no one else, so that later, we can live like no one else [and take a trip to San Diego that we pay for with cash!]

~Manda

September 22, 2008 | Filed Under Budgeting, Dave Ramsey Financial Peace University (FPU), Financial Freedom Journey Pep Talk, Financial Peace Baby Steps, Financial Peace University, Financial Planning, Money Management Tips, Stupid Tax | Leave a Comment 

Financial Peace Social Community

Are you interested in more discussion about financial peace? I decided to create a social community for Time to Budget readers. My hope is that this community can be a place for use to share our knowledge and encourage each other on our financial peace journey.

I think the topic of financial freedom is work discussing, don’t you? Stop by and contribute!

money.crowdvine.com (Financial Peace Community)

July 22, 2008 | Filed Under Dave Ramsey Financial Freedom, Debt Help, Financial Advice, Financial Freedom Journey Pep Talk, Financial Goals, Financial Peace Baby Steps, Financial Peace University, Financial Planning, Making More Money, Money Management Tips | 2 Comments 

carnival of money stories blog carnival #39

Wow!, here it is, the Carnival of Money Stories 39th edition. There were a total of 40 submissions to this carnival and there are some really great articles. I was notified by the Blog Carnival that this edition of Carnival of Money stories will be featured on the Blog Carnival homepage all day Wednesday the 19th. I am excited and honored to be hosting this weeks carnival and hope that you will enjoy reading the submissions.

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Originally uploaded by skettalee

Debt

David presents How to Eliminate Credit Card Debt posted at Worldwide Success.

Pinyo presents My Foray into Prosper as a P2P Lender posted at Moolanomy.

glblguy presents Chase doesn’t really love me they just act like it posted at Gather Little By Little.

Alison presents The Story Of Our Emergency Fund posted at This Wasn’t in The Plan.

Free From Broke presents Family – Can’t Live With ‘Em…Unless It Helps Debt posted at Free From Broke.

:) monawea presents Why Baby Steps Are So Important – Decision Happen Now, Results Take Time posted at Time To Budget.

Investing

Value Seeker presents Why Most Investors Underperform The Market posted at Stock Investing.

Dereck Coatney presents How To Make A Million Dollars In About 8 Years posted at The Best Stock Trading in the World.

The Investor’s Journal presents Lessons from the Dot-com Bubble posted at The Investor’s Journal.

Super Saver presents Staying Calm In A Volatile Market posted at My Wealth Builder.

FIRE Finance presents Our 7 Mutual Fund Investing Mistakes! posted at FIRE Finance.

Brip Blap presents learning to walk away posted at brip blap.

Pivotal Investor presents Top 10 Growth Stocks For Under $10 posted at Pivotal Investing.

Net Worth

Jacob presents Early Retirement Extreme: On how car dealerships helped me save money posted at Early Retirement Extreme.

Business

Woody Maxim presents What will you do with the message? posted at Woody Maxim.

Blaine presents Something From Nothing- Think Big, Start Small posted at BlainePower.com.

Sutocu presents Domain Name as a Business Brand posted at Your Website Profit.

Silicon Valley Blogger presents How Christmas Can Cost Your Life’s Savings posted at The Digerati Life.

Peter25 presents Building Relationships For Business Growth posted at Business Opportunities.

Blaine presents Business venture is starting to take root posted at BlainePower.com.

Kenton Newby presents Can You Really Make Money Showing People “How To”? posted at KentonNewby.com.

Credit

Credit Help presents Do Capital One Credit Cards Work Abroad? posted at The Truth About CreditCards.com.

Ted presents Using a Credit Card in College posted at The Campus Grotto.

General

FMF presents Sumo Omni: My Son’s Dream Come True (And How You Can Win One) posted at Free Money Finance.

James D. Brausch presents The $200 Horse posted at jamesbrausch.com.

Lynnae presents How Much Emergency Fund Do You Need? posted at beingfrugal.net.

JS presents Six True Stories of People Who Found Cash and Turned it In. Part 2 posted at Smart Money Daily.

paidtwice presents My Lack of Organization Costs Me Money posted at I’ve Paid For This Twice Already….

Ashley presents Why Didn’t I Major in Finance? posted at College of Cash.

supermom_in_ny presents Do You Have Money You Don’t Know About? posted at Getting Out of Debt.

Madison presents Volunteer Income Tax Assistance posted at My Dollar Plan.

Raymond presents Sometimes Saving Money Isn’t Worth The Extra Time and Effort posted at Money Blue Book.

Eden presents What I Have Learned Since Starting My ‘Finance and Fat’ Turnaround posted at Finance and Fat.

Paula presents Sleeping With Money: Going Along for the Ride posted at Queercents.

David presents Customer Service At Its Best – Thanks SmugMug. posted at My Two Dollars.

Blaine presents Frugality, America’s worst nightmare posted at BlainePower.com.

Joshua C. Karlin presents An Amazing Story posted at Marketing & Fundraising Ideas.

Silicon Valley Blogger presents How Christmas Can Cost Your Life’s Savings posted at The Digerati Life.

wilson ng presents No Luggage, No Hand Carrys in the Final Journey of Life posted at Reflections of a BizDrivenLife.

JP presents Being frugal posted at Watch Me Become A Millionaire.

That concludes this edition of the Carnival of Money stories. Submit your articles to the next carnival here.

December 18, 2007 | Filed Under Budgeting, Carnival of Money Stories, Credit Card Use, Financial Planning, Money Management Tips | 14 Comments 

Family and Friends Are More Important Than Money

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I think that even though we may understand that family is more important than money our actions don’t always show that we believe it. If we live a life that is focussed on money and don’t recognize that our families are really much more important than money, we might live a life that is unfulfilled. Chasing the dollar is not a reason for living.

The importance of money varies from household to household but for the most part I think most can say that money is not what brings happiness. It is true that some families are truly suffering because of the lack of money but I don’t think that the money itself is what should be sought. Our families and friends can bring us much more fulfillment than money could ever. God did not design us to find long term satisfaction in anything other than Him but I think relationships with people are a close second.

Money and power give temparary comfort and satisfaction. This is why so many people with money and/or power strive to get more. There is never enough money or power for those that seek it. Relationships however are lasting. A good friend, a child, a mother or a sibling can give your life meaning and satisfaction.

I for one don’t want to let my money troubles take the focus off of what really matters in life which is my family and friendship. I hope you don’t either ;)

October 27, 2007 | Filed Under Financial Freedom Journey Pep Talk, Life Goals, Money Management Tips | 2 Comments 

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    Two families striving to gain financial freedom share their experiences.
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    Co-author, Manda C.

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