Website Wednesday!

This week's Website Wednesday is daveramsey.com. It seems like all we hear on the tv, radio, etc is centered around the economy. It can be enough to really bring fear into our lives. Now, more than ever, we should all have a plan when it comes to our money.

Jason and I took a financial class called Financial Peace University a couple of years ago. This class was so good for us. Neither one of us are that great when it comes to managing money. So, this class was amazing in teaching us things we should know like budgeting, getting out of debt, living under our means, and saving for the future. Dave uses the phrase "changing your family tree" and goes on to explain how making smart decisions today will affect and enhance our children's future and their children's future, etc. Hand-in-hand with this concept is also teaching our children about money. Neither Jason nor myself were taught much about money growing up and have learned many lessons the hard way.

I encourage you to check out Dave Ramsey's website and enroll in a Financial Peace University (FPU) class near you. It will change your life and change your family tree! Jason and I will be completely debt free from credit cards, car payments and medical bills by February of 2010, not because of any luck that has come our way, but from putting into practice the lessons learned from FPU. Beyond February, we will aggressively pay off our school loans and then move on through the 7 Baby Steps.

From Dave's website:

(Click on the links below to read an explanation of each step.)

Get out of debt the same way you learned to walk, one step at a time. Dave has taught these principles to millions via radio, books, Financial Peace University, Live events, and online:

		$1,000 to start an Emergency Fund
		Pay off all debt using the Debt Snowball
		3 to 6 months of expenses in savings
		Invest 15% of household income into Roth IRAs and pre-tax retirement
		College funding for children
		Pay off home early
		Build wealth and give!

This class will not be a waste of your time and will empower you to be debt free and stay that way! If you are not able to find a class or have the time to attend, there's enough information on Dave's website and in his books to begin your Total Money Makeover. Dave provides all the forms you will need.

So, my friends, fear not and take control!