the dave way

Last summer I read Financial Peace University by Dave Ramsey, and studied some of his other materials.  I knew his ideas could change our life, but I just dabbled with his plan.  A couple months ago, I checked out Dave's Total Money Makeover from our local library.  This time, I knew we had to take action.  After I finished the book, I convinced my husband to read it as well.  I was very excited about getting started, so I nagged at him to keep reading so he would finish quicker.  He was such a trooper and actually read the book in good time.  He understood my passion and was sold on the concept of a zero-based budget and the debt snowball.  In just the past couple months, we have managed to pay off a medical bill and three credit cards.  It sounds crazy, but by sticking to a food/grocery budget, we are actually eating BETTER!  We have stopped buying "stuff" and any extra money we bring in goes straight to paying off debt.  We are "living like no one else so later we can live like no one else!"  Thank you Dave Ramsey!!!  If you want to learn more, visit Dave's website.  Dave Ramsey