Yesterday, I went to the library to pick up some books for my daughter. She’s been reading a lot and really enjoys it. Anyhoo, I was browsing for myself and came across Dave Ramsey’s book called “The Total Money Makeover.” I thought to myself, what the heck. I’ll try it.
As I’m reading this book, there are a lot of things I’m already implementing. The thing I need to work on the most right now is the Debt Snowball. I need to start paying off all my debt especially my student loans. It’s outrageous. I got myself into a deep hole with that one trying to get my degrees.
I’ve already created a budget for next month. Figuring out how I can make extra payments on my smallest debt and slowly work my way to rest. I feel pretty confident I can do this. This is something I’ve wanted to do anyways. Debt is so normal nowadays. Hey I’m in debt, you’re in debt, and everybody is in debt. However, it’s a choice. Dave Ramsey tells you what you don’t want to hear. People want what they want now instead of later. I think that takes a lot of self-control to say no, now is not the time for that.
I think it would be wonderful to live debt free. I guess I will let you guys know how it goes. I’m starting it today. If you guys get a chance, seriously check out Dave Ramsey’s books.