This is a great story of life change -- small changes that can make a big difference!
Before Financial Peace, I was in charge of our finances, including all the stress. My husband did not know where the money was going each month. Now, we have sat down together and completed a budget. It was very hard for me at first, because I didn't want him to actually "see" the amount of debt we had - maybe I was just scared he would point fingers at me, but that didn't happen. We are both on the same page as to what debt we will pay off first, and we are both working toward the same goals now.
We used to eat out 3-4 times each week. Our children were not used to sitting at home together around the dining room table. Now, we try to only go out 1-2 times each week, usually once is after church, and each family member takes their turn at picking the restaurant. Our boys love it! There is no more fighting as to where we are going or who got to pick - they know that week whose turn it is!
Although all the debt is not gone, I feel as if we have a hold on it and are working to eliminate it! Since taking the class, my husband got a different job (he was self-employed in construction), and I picked up two teaching jobs in the evening. We have had to make sacrifices, but it is well worth it. Our oldest son is even on the saving bandwagon - before he would spend any money he would get. Now, he keeps a portion to spend, but places the majority in his savings account.
One of the biggest accomplishments I am most proud of is that we are finally tithing 10%, and it is coming directly off the top before any bills are paid for the week. I truly believe that giving to God what is due to Him is the only way we will get out of debt, and we are finally headed down that path!
The teaching this weekend will use video teaching from Dave Ramsey. We launch Financial Peace University on February 22.
Thank you for the testimony, I have struggled with paying tithing, and with working with my spouse on a budget, you have giving me new courage to try again. Thank you for your great words
sincerely Tkevin
Posted by: Tkevin | March 03, 2010 at 01:31 AM