So I'm sitting here waiting for my last class of the day to start and all I can think about is how we are working with integers in math class. She specifically talks about debt for some people to better understand. She asked people to raise their hand as we were going over percents and interest and calculating it for different situations and it's amazing how many people raised their hands the age of 18-20 probably that have 1 or more credit cards. I didn't get my first credit card until I was 22 and even then had a max of $250. Neither Dan or I have credit cards now which is an amazing feeling that we don't need to calculate how much interest we are earning and how long it's going to take us to pay them off if we pay a certain amount a month. Which is only possible because of Dave Ramsey. Give every dollar a name before the month starts. Go to Financial Peace University to find forms on how to set up a budget and allocate your pay checks. If you find you are spending more than you make then you need to sell, sell, sell, drop those extra channels, pick up another job or two and get those bills caught up to date. Then get $1,000.00 in your emergency fund. Don't fund this anymore until ALL of your debt is paid. Getting the emergency fund is easy, not touching it will be your hard part. This is for EMERGENCIES ONLY! I think back to when we first started our class, I miss the Mondays we had there, but I love that we know where we are going. So, tonight when all of you go home and get your comfy clothes on to sit down and watch your Tuesday night shows...I'll be working because well... I owe, I owe, so off to work I go :)
Hope everyone is having a great day, and don't push stuff off that can be done today, because tomorrow may never come :)
Love,
Hollie :)
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