PollyOR Posted September 3, 2009 Share Posted September 3, 2009 My husband has discovered Dave Ramsey. Quote Link to comment Share on other sites More sharing options...
Momofeat Posted September 3, 2009 Share Posted September 3, 2009 :lol: Quote Link to comment Share on other sites More sharing options...
Debbie in OR Posted September 3, 2009 Share Posted September 3, 2009 :lol: (I so feel your pain...my dh discovered him in February and within hours, put me on a budget. :eek:) Quote Link to comment Share on other sites More sharing options...
MIch elle Posted September 3, 2009 Share Posted September 3, 2009 Then you'll have some $$ to buy, :lol: Quote Link to comment Share on other sites More sharing options...
Hypatia. Posted September 3, 2009 Share Posted September 3, 2009 :lol: Luckily I got the last bit of our stuff ordered before we took a cold hard look at the budget (now that was a splash of cold water!) and got back on the DR bandwagon. Quote Link to comment Share on other sites More sharing options...
Sue G in PA Posted September 3, 2009 Share Posted September 3, 2009 I just love DR...'cept when I *need* new stuff! Quote Link to comment Share on other sites More sharing options...
aggieamy Posted September 3, 2009 Share Posted September 3, 2009 I *heart* Dave Ramsey. About two months into dating my now husband he had DR on in the truck. I listened to it when he ran into a store real quick on an errand and we talked about the guy for the rest of the drive. I remember talking about how I was going to buy DR's book, Kevin told me that DR would say I should get the book from the library. It just clicked with me! I read the book, got on a budget, and was totally committed to being debt-free. It took Kevin a little bit longer to get on board but now we're both living frugal and happy! It's great to have financial peace. I recommend checking out LLNOE.com for some great DR forums. Quote Link to comment Share on other sites More sharing options...
Earth Angel_79 Posted September 3, 2009 Share Posted September 3, 2009 My husband has discovered Dave Ramsey. YIKES! I tried to get everyone on board with DR about 2 years ago to no avail. They have no one to blame but themselves :001_tt2: as I go on my curriculum buying spree! (insert smilie surrounded by books here) Quote Link to comment Share on other sites More sharing options...
PollyOR Posted September 3, 2009 Author Share Posted September 3, 2009 I just love DR...'cept when I *need* new stuff! :iagree: Quote Link to comment Share on other sites More sharing options...
tinkgumby Posted September 3, 2009 Share Posted September 3, 2009 I feel for you! We just got the book and are bracing ourselves. The UPS, USPS, and FedEx delivery people are going to wonder if I fell off the face of the earth or something! :D Quote Link to comment Share on other sites More sharing options...
jewel7123 Posted September 3, 2009 Share Posted September 3, 2009 Can someone suggest where a Dave Ramsey newbie should start? He has so many books....it's overwhelming and I'm not sure what I really need to get started. My husband does not understand how you can have a budget if our bills are never the same amount from month to month and neither is his income? I'm sure it can be done....will Dave Ramsey teach us how? Thanks! Quote Link to comment Share on other sites More sharing options...
MerryAtHope Posted September 3, 2009 Share Posted September 3, 2009 LOL, too funny! Quote Link to comment Share on other sites More sharing options...
Lovedtodeath Posted September 3, 2009 Share Posted September 3, 2009 YIKES! I tried to get everyone on board with DR about 2 years ago to no avail. They have no one to blame but themselves :001_tt2: as I go on my curriculum buying spree! (insert smilie surrounded by books here):iagree: Quote Link to comment Share on other sites More sharing options...
Macrina Posted September 3, 2009 Share Posted September 3, 2009 My husband has discovered Dave Ramsey. Ultimately this is a good good thing. We're not as far as we ought to be, but we're huge DR people and feel so much better where we are now. My solution was to pick up some extra at home work and I get to keep the extra for extra hsing stuff. Quote Link to comment Share on other sites More sharing options...
Heidi Posted September 3, 2009 Share Posted September 3, 2009 I love Dave Ramsey! You comment made me laugh out loud. The good thing about being on a budget is that you have no guilt when making curriculum purchases... that is, if you can actually stay on a budget! It's well worth the effort though. Financial Peace University is well worth attending as well!!! FPU was the key to buckling down and getting out of debt. In fact, I'm going to attend another one in October. Quote Link to comment Share on other sites More sharing options...
Satori Posted September 3, 2009 Share Posted September 3, 2009 Oh no, a nightmare! Luckily, I don't think my David will find Dave Ramsey. Not so luckily, I am actually done buying curriculum for the fall (I hope). Either way, I have to stop, I spent too much. Quote Link to comment Share on other sites More sharing options...
FairProspects Posted September 3, 2009 Share Posted September 3, 2009 Can someone suggest where a Dave Ramsey newbie should start? He has so many books....it's overwhelming and I'm not sure what I really need to get started. My husband does not understand how you can have a budget if our bills are never the same amount from month to month and neither is his income? I'm sure it can be done....will Dave Ramsey teach us how? Thanks! Start with Total Money Makeover. It will tell you everything you need to know to start and has lots of inspiring stories of people who have paid off insane amounts of money and are now debt free. As for the irregular income, we have that as well, and we have a master budget based off our lowest possible income and then we maintain a list of items in order of importance that get paid if our check comes in over budget. DR actually has an irregular bugdeting form on his website and he explains how to use it in both the book and at Financial Peace University, which is so worth it if you can attend. HTH! Quote Link to comment Share on other sites More sharing options...
elegantlion Posted September 3, 2009 Share Posted September 3, 2009 I thought you meant you were done buying for this year and sad about that. I was going to recommend like I am doing, start looking for deals for next year. :leaving: Quote Link to comment Share on other sites More sharing options...
Lovedtodeath Posted September 3, 2009 Share Posted September 3, 2009 I thought you meant you were done buying for this year and sad about that. I was going to recommend like I am doing, start looking for deals for next year. :leaving: hehehe I am thrilled with my bargains for next year! Quote Link to comment Share on other sites More sharing options...
MrsMe Posted September 3, 2009 Share Posted September 3, 2009 My husband has discovered Dave Ramsey. ****!:lol::lol: Quote Link to comment Share on other sites More sharing options...
*Inna* Posted September 3, 2009 Share Posted September 3, 2009 :lol: Quote Link to comment Share on other sites More sharing options...
happyWImom Posted September 3, 2009 Share Posted September 3, 2009 :lol: (I so feel your pain...my dh discovered him in February and within hours, put me on a budget. :eek:) We're doing Dave's Financial Peace University at our church, starting September 20th. UPS has been here 3 times this week!:lol: I know that sort of defeats the purpose, but I need to make sure we have everything we need. Quote Link to comment Share on other sites More sharing options...
Brindee Posted September 4, 2009 Share Posted September 4, 2009 SHHHHHHH.....my husband hasn't found him yet! :D Actually I am very thankful---my dh is GREAT with finances, and we are not in debt. But he DOES like organization, and may like the envelope idea, so keep it down a little, will ya? :lol: Quote Link to comment Share on other sites More sharing options...
rlowetx Posted September 4, 2009 Share Posted September 4, 2009 :lol: We're DR heads...but I started homeschooling after we became debt-free, so now I have some flexible money.. although I'm still using his monthly "school" envelope money for hs books (instead of the monthly fundraising, t-shirts, parties, ice-cream socials for ps), so haven't gone over budget. Quote Link to comment Share on other sites More sharing options...
lovinmykids Posted September 4, 2009 Share Posted September 4, 2009 Oh my gosh, that is too funny about the UPS guys!! I think the UPS guys knows me personally now and he would probely miss me if I quit ordering. I just placed my last order so hopefully, I'm done spending for awhile!! DARN! Quote Link to comment Share on other sites More sharing options...
tmulcahy Posted September 4, 2009 Share Posted September 4, 2009 My husband has discovered Dave Ramsey. :lol::lol: Tell him it is going to have to come out or the entertainment budget or you need a curriculum envelope:D We went through FPU and got some great advice but we do not use the program exclusively. The newness may wear off and he may cut you some slack.....if not nail your stuff down or he may start selling it!!! Quote Link to comment Share on other sites More sharing options...
TCoppock Posted September 4, 2009 Share Posted September 4, 2009 Can someone suggest where a Dave Ramsey newbie should start? He has so many books....it's overwhelming and I'm not sure what I really need to get started. My husband does not understand how you can have a budget if our bills are never the same amount from month to month and neither is his income? I'm sure it can be done....will Dave Ramsey teach us how? Thanks! I agree with the previous poster. The best book to start with is The Total Money Makeover. We also have an irregular income and what works best for us is to work off of the previous months income. This only works though if you are able to save one month to start with. We started after taxes which really helped. We also do not use actual envelopes but I develop a spreadsheet each month and keep all recipes. Quote Link to comment Share on other sites More sharing options...
Nicoleab2 Posted September 4, 2009 Share Posted September 4, 2009 ****!:lol::lol: I laughed outloud! :lol: Quote Link to comment Share on other sites More sharing options...
Nicoleab2 Posted September 4, 2009 Share Posted September 4, 2009 My husband has discovered Dave Ramsey. Oops. This is what I meant. :lol: I too laughed out loud. Been there, done that! :001_huh: But it is a good feeling knowing I bought without guilt. It just made me get more creative. Quote Link to comment Share on other sites More sharing options...
PeterPan Posted September 4, 2009 Share Posted September 4, 2009 I know that sort of defeats the purpose, but I need to make sure we have everything we need. The irony is that sometimes budget limitations make you realize what you really *need* vs. what you just *wanted*. :) Quote Link to comment Share on other sites More sharing options...
Jennefer@SSA Posted September 4, 2009 Share Posted September 4, 2009 I just love DR...'cept when I *need* new stuff! :iagree: :lol: Quote Link to comment Share on other sites More sharing options...
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