The DH and I went to see Dave Ramsey live last night. Even though there was a hoard of people at the sold out venue, we still managed to have a good time and walked away, not with new knowledge (well some facts were new to us) but with a vision. He used a clip of a gazelle trying to avoid getting eaten by a cheetah as a visual on how we should be trying to avoid debt. Worked for me.
This morning my son counted his money and had me price a video game he wanted. He tried to convince me that he had most of the price and I could just pay for the rest. Uhmmm... not! Seemed like a good time to start in on the "save till you can pay for it fully" lesson and start moving him away from instant gratification. It is, however, much easier to be good when it is not your money and desire that is in the way.
Now we have to come up with a budget and stay on track. We are on Baby Step One. Not sure how we are coming up with $1,000 but it will be time to look at our "stuff" really carefully. We really are in for a total money makeover and lots of delayed gratification. We are definately not purchasing a house without 20% down and are even considering 100% down.
I recommend Dave Ramsey to any one. You don't have to buy his books or pay to see him live. Listen to him on the radio or tv. He's not saying anything new but he is really good in the motivation department.
Mom, would you be angry if I sold my china?
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