I spent the first 10 months out of the house saying yes to everything that came my way just to keep the walls from closing in on me.
I started to run out of money fast and was contemplating bankruptcy. A friend told me to take the Dave Ramsey Financial Peace University class before making a financial decision.
I thought it would be a waste of time since I know the concepts. I've read countless wealth building books.
Still, I said I would and it's helped tremendously. The biggest being making and sticking with a budget.
I've gone through three bi-weekly budgets (six weeks) and managed to make it under budget twice and only $7 over on the third.
I've had to get creative at times ... but I realized I can do this and as life goes on it will get better.
Look to see if the class is available near you through one of the churches.
Now that I'm not freaking out about the finances I'm feeling much better.
Me: 47, Ds 17-13, D final 6-11 http://tinyurl.com/yk4e2tz http://tiny.cc/thread2 http://tinyurl.com/ydtphqu http://tinyurl.com/thread4 http://tinyurl.com/3sm78k6 http://tinyurl.com/thread6