Financial Hope

I was talking to someone recently and we were discussing my last post My Black Friday Is there hope for those of us who are in the deep red hole (debt)? Yes, there is hope!

My sister-in-law was doing Financial Peace University through her church. She and her children were visiting and she had to do some homework. Part of her homework was to watch one of the video lessons for her class. I happened to be sitting on the couch as she was watching and it peaked my interest. I saw how this course was helping her and I wanted help too. So I bought the course and Laura and I started going through it in April. May was our first month "on the plan".

So what is Dave's plan? The centerpiece is a written budget. Yes, I know the "B" word. I have to confess that I did not like the idea of a budget and was not certain about this zero based budget Dave Ramsey was promoting. Now, I LOVE IT! Basically the written budget is just the plan of action. With the zero based budget you spend every dollar on paper before you ever get it. You make the plan and then work the plan.

For a full explanation of Dave's "plan" you can pickup his books Financial Peace Revisited or The Total Money Makeover: A Proven Plan For Financial Fitness Both resources will help you no matter what your financial situation may be. For a wealth of resources and helps you can also go to Dave Ramsey's web site

God has blessed Laura and me through Dave's Financial Peace University. I believe God is using him, his life story and his ministry to give hope to all who will listen. Dave gives good sound financial advice based on Biblical understanding.

Can you have hope in the midst of debt? Yes! How? Make a plan and then work it. We personally have about $17,000 more dollars in debt to pay off, but we have a plan and we are working it every day, every week, and every month. You may think that you have too much debt and not enough income. Read Joel Maxwell's Story and you will be encouraged on your journey! There is HOPE!