Dave Ramsey: FPU

Since we got married 6 years ago our finances have been up and down, up and down, thanks to job lay offs & lack of financial knowledge. After moving here two years ago and hearing about the class "Financial Peace University" being held at the church we were attending we knew we had no choice but to attend. Sadly it took 2 years to get into the class. However, knowing that everything happens according to God's plan, good or bad, we know that this is exactly when we are suppose to take it.

It's a class by Dave Ramsey http://www.daveramsey.com/fpu/home/
We'll meet every Wednesday from 6:30-8pm.
While we are in class, Grace will be in Awana (a class at church that teaches kids all about the bible-scripture memorization-it's tons of fun.)

OUR GOAL
To be debt free with in the next three years. I can wait to scream out loud: I AM DEBT FREE!!!
To take control of our finances instead of letting them take control of us.

Neither of us were really taught about money and finances and how all of it works growing up. It was kind of a mystery to us.
Our side goal is to teach Grace everything we've learned as soon as she's old enough. We don't want our finances to be kept from her. We plan on showing her our budget, how much we make, how we save (once we pay off our debt)....EVERYTHING! Knowledge will bring her so much freedom and power. .

We want to be able to pay for Gracie's college. I missed out on a lot while going to college due to having to work 2-3 jobs at a time and the stress of paying off all the loans is not a pleasant experience. To be able to bless her in this way, will be one of my greatest joys.

We want to make sure we are able to pay for her wedding, when the time comes, with out going into debt over it.
To be able to pay for everything with cash will be thrilling.

The only other thing I would like to see in our future, are vacations. I can not wait to be debt free so we can travel and explore as a family and Loren & I as a couple.

OUR DEBT
one big credit card that we've been trying to pay off for two years now and still have quite far to go-darn interest rates
student loans
two scooter payments (which will be paid off come next April when Loren gets his bonus-Hallelujah
And, we still have a house in FL that has been up for sale for 3+ years

If you are in debt in any way this is a class I HIGHLY recommend.
It has set so many people free. It's fun. It's knowledgeable. It's hard work-not a quick get rich plan (like I mentioned it will take us about 3 years to be SET FREE!!!!) but so worth it to finally be free from financial bondage.


PLEASE PRAY
Please pray for our journey through this 13 week class.
Please pray for our time after this class. It will be a daily process and life change which can be hard and tedious.
Please pray that we don't give up. Please pray that we stick to our goals. Please pray that we are wise about our fiances for the rest of our lives.
-We are both looking for another small side job to help move this process forward.

Thank you.



We couldn't be more thrilled to learn about :


Super Saving
In this lesson, Dave explains the Seven Baby Steps that will guide you throughout FPU. You will also learn the three key reasons why you should save money—and why you must start now!


Relating With Money
This lesson will teach spouses how to communicate and work together toward success. Also, singles will learn the importance of teamwork and parents will find out how to teach their kids about money.

Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Dumping Debt
It’s time to debunk the myths that most people believe about debt! In this lesson, Dave Ramsey reveals the truth about the credit lies and gives you a plan for walking out of debt with confidence.

Credit Sharks in Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

That's Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying “That’s not good enough!”

Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

From Fruition to Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Working in Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.


Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.


The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.