Before responding to the article below, you may need to know a little background….
Dave Ramsey is a financial guru that has a 7 step system on getting out of debt and living financially free. He has completely changed my way of thinking when it comes to debt and finance. I still can’t believe the ridiculous things that I believed about money before being introduced to him. Along with his team, they have helped millions of people get out of debt, including home mortgages……my family and I included. His system is not some quick get rich scheme. It’s about budgeting and living on necessities. It takes patience and persistence. Because of him, I am on track to pay off my new car by July. That’s a balance of $30,000. I wouldn’t have dreamed of that even being possible. After the car will be paid off, we will move on to our next goals.
Get The Book!
If you aren’t familiar with Dave Ramsey, please get a copy of his book, The Total Money Makeover. It will change your life. His book is the most important and beneficial book that I’ve read besides the bible! No book has made my family and I change soooooo much. Our lifestyle changed, our mindset has changed, and our legacy will forever be changed. I can go on and on, but I’ll stop for now lol!
After reading this article, I found myself all frowned up! I could not believe what I what reading! Knowing all what I know about living debt free, how could I ever go back? In order to achieve anything, you have to set goals. You also have to be on the same page with the other person, if there is another person involved (such as a spouse). Let’s break down a couple of things that she mentioned…..
- Her husband was tired of budgeting and living without to save. She gave in to save her marriage. First off, I wrote an entire article about how to deal with a spouse who isn’t on board with budgeting here. How about taking a break? Go on a vacation. Go on date night. Revisit your “why” and your goals! Think about the big goals like retirement rather than material things that will only give you temporary satisfaction. Lastly, material things and spending money will not save a marriage. I don’t agree with “giving in to save my marriage” b.s. Find the real reason if there is a problem in the marriage.
- She loves not having to count every single cent. She enjoys making purchases. How much debt you are in determines how intense you should be. Personally, we never had a ton of debt. That allowed us to take a more relaxed approach. We don’t count every single penny, but we track much more than we did before. The family and I still go on vacation and we do make a few purchases. My point is that you can still work the system being less intense. My family and I do still have a life and we still look our best.
To Sum it Up
Rather than just giving in, try a different method or take a break. Revisit your goals and remember why they are important to you and your family in the first place. Getting out of debt and living financially free isn’t just about my husband and I. It’s about our children and their children. I am not judging them for buying a bigger house, but the whole idea of being okay with debt will never be ok in my book.