We have been on the Dave Ramsey Plan for 5 years now and believe me it works. It is the simplest financial plan that one can use to become financially independent. With this plan, we have not owned a credit card in 5 years and never will again. Dave’s plan is not a quick fix, it is a life changing, mind altering course that if followed with discipline will forever change the way you look at and handle money. But you have to want to change, you need to be sick and tired of being sick and tired. If that’s you then start as soon as you can, if not then come back later when you are sick and tired.(probably after christmas when you get your credit card bills)

if you think you have tasted freedom, trying not owing anyone money 🙂

“The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:7

Happy Holidays!!!!

Adapted from Dave Ramsey’s Website

5 Questions to Ask Before Buying a Gift

What’s your plan when you head out to go Christmas shopping?
Do you sit down with your husband or wife and make a detailed Christmas budget? Or do you just wing it?
Once you have your Christmas budget, how can you make sure you stay within your means? How can you make sure you aren’t dealing with a Christmas debt hangover come January?
You need a plan for your holiday shopping. To create that plan, start asking yourself these questions before you walk to the checkout counter or add an item to your online cart:

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P.S. Christmas shopping is not an emergency. Christmas happens every year on the same day. Don’t be surprised.