Okay, so I think this man is heaven sent to help me, and countless others that find themselves in debt. He was a millionaire, and then with poor money handling, he ended up broke. He learned a valuable lesson, and is a millionaire again. And he feels like it is his mission from God to help the rest of the world to get out of debt. Am I grateful? YES! He's awesome. A few things I have done differently because of him-
1. Lohn and I budget all our money. We keep track of all our expenditures and tell ourselves how much we can spend on everything. Every time we spend money, we enter it into the computer, and keep a tally of what we have spent and what we have left to spend for the month.
2.We refuse to go over our grocery limit, even if it means pancakes and ramen noodles for a week.
3. We never ever buy anything. Seriously.
4. I am getting creative with ways to NOT spend money, i.e. refashioning halloween costumes, make my own laundry soap, ask family members for hand-me-down coats for the kids, getting rid of my land line to save on 35 dollars a month, etc. It's like a game to me now. What else can I not spend money on???
5. While I believe the best way to help my family is to not spend money, I am trying to find ways to make money. I have lots of time now with the kids all at school, so it's time for me to put my craftiness to work. I'll find a few craft fairs and I think I will try to sell my stuff on Etsy.
I know I am starting to sound a little crazy (especially the part about making my own laundry soap) but it feels so good to put my whole heart into getting our finances into order, and it feels even better to avoid debt. I am okay with having less now, so I can have more in the future.
Seriously read his book, Total Money Makeover. And, no, he isn't paying me to say that. (Ooo, do you think he would though???)