The Nerdy Free-Spirit & The Free-Spirity Nerd

After our second Financial Peace University class which ended tonight, and after we talked about it, this is how we would describe ourselves. I am the nerdy free-spirit. I am the number person who figured out the budget, but I will walk down the toy isle and pick up a toy for one of my baby loves. Matt on the other hand won't sit down and figure the budget, but he doesn't go to the store and buy things that he doesn't need (often.) Although like I said before Matt's toys are much more expensive than the ones that I buy, so when he buys something, he does spend more money.

Honestly I would recommend this class to EVERYONE! It is a 13 week course that meets once a week for 1-1 1/2 hours. There are classes all over the place. http://www.daveramsey.com/. This is the website. There is a place where it has zip code. Just type in your zip and it will pull up classes that are near your current town. If Beeville has a class...I would guess that almost every town has a class. The class is free. All you have to pay for is the kit. It sells on the Internet for $199, but they run specials. Our coordinator sold ours to us for $100. That's what he had to pay for it. There are also people who sponsor those who can't afford the kit.

Tonight we learned about how money ruins marriages, what to do if you are single, and how to raise your kids to be responsible with money. IF kids are in our future, we would totally raise them the Dave Ramsey way. It just makes sense. They get a commission instead of an allowance. Dave says to start them when they are like 3 or 4. Just help them clean their room, make a big deal of how good a job they did, then hand them $1 then and there. As they get older, the jobs they do get bigger. When they get a little older, start them on an envelope system. They get 3 envelopes. Saving, spending, giving. If they have 5 jobs, they get a job for each job they complete. $2 goes into spending, $2 goes into saving, and $1 goes into giving. Then the next time they go to church, they take the money they earned and put it in the offering plate.

I could go on and on about how great this stuff is. I really am a believer in it, and I'm just getting started. Matt even said that he enjoyed the class.