So my husband and I went to the Dave Ramsay school of "I would like to retire someday" last night. I must say I was a little apprehensive about the whole deal. Of coarse I would like to get some debt paid off but aren't these other people in our class going to look at me in a different way? I didn't feel that way at all. These people were just like me in so many ways. I didn't really grow up learning about money and how to manage it because both of my parents had great jobs and we really didn't have to "budget" or worry about money. My reality check happened when I moved to College Station, TX to pursue my education. I got my own checking account and they gave me these little pieces of paper that basically said I had money in the bank until I ran out of them.... or so I thought. NOT SO! Turns out... you owe alot more money when you have none. Interesting concept but it is what it is. A vicious cycle that tons of people get caught up in every day. On top of that, I took out some student loans in 2001 that I am STILL paying off. I found a company to lower the interest rates on them and consolidate them as well. (Sigh...giggle) There is also a clause in the contract that says if, God forbid, something happen to me...... it is written off as a loss to the company and my surviving family can forget about my debt. I guess thats reassuring right?

Long story short: There are oodles of people that have mad money mistakes. It happens to great Godly fearing Christians and the Scroodges of the world too. One of my favorite quotes is, "You think no one cares about you....... try not paying your bills." SO TRUE!!! I've tried that one too! The only one I got lucky with was World Communication that went bankrupt. That is the only bill I have not had to pay off from College Station. (don't count on this because it happens once in a lifetime people!)

People associate Debt with Shame... I think this is so sad. People are just trying to survive these days and barely doing so they find themselves stuck or trapped. Luckily I found someone who knows way more about money than I did. I married him. LOL That's not why though... truly a bonus.

As I find myself starting the program I can't help but be a little bit excited. I really think this will work for our family and help us teach Corley the skills she needs to survive in the financial world. I will keep you posted on the classes and how they have effect our financial "freedom".

Peace B With U.