Dave Ramsey

Check out my other blog....we are taking FPU...if you don't know what that is...check out the other blog for more info!
http://randomthings-michelle.blogspot.com/
The class makes us accountable and want to reach the goals we set! The cash envelopes work....naming your money works....today, I went Christmas shopping--that money was already accounted for so we owe nothing!!! We are chipping away at the car payment and I am hoping to tell you very soon that it is paid for! I HATE car payments...so we are working on that and all that is left is a few years on the house....which I want to cut down too! Totally Debt free is in sight....we are living like no one else....so that later we can live like no one else!

Dave made a great point--of course--about 90 days same as cash and all the 1 year no interest offers and 0% financing....there is no such thing as free money--the business are not in business to lose money--so anytime you see these terms--KNOW that it is built in your price!!!! If you had waited and paid cash, you could have negotiated a lower price!!! That man is awesome! He is a man of God and he is changing lives financially while sharing Christ!

Off to bed....church in the morning! My fabulous friend is singing....and I am in the service! ha ha