A little over a month ago, I told you all that I was starting to go through Dave Ramsey’s Total Money Makeover. I’m only three or four chapters in and have yet to “learn” what I must do to get on track to financial freedom. I probably could’ve finished the book already if I weren’t so busy making wicked awesome fondant superhero cupcakes for my son’s birthday party, but I digress. Here’s what I have learned thus far:
- All financial problems are my fault.
- Most people will probably stop reading after page three.
- Dave’s insistence that you live within your means is reasonable.
- A guy like me doesn’t have a spending problem as much as he does an income problem. (Insert starving writer joke here.)
- Some people are morons if an entire chapter of this book has to tell you not to trust a loan shark.
- If I’m ever going to be debt free, I need to suck it up and stick it out for a season until I get my ducks in a row.
Although your situation is probably drastically different from mine, there’s much we have in common. We’re all collecting paychecks that are spent before we even fill out the deposit slip. Lights, cable, gas, rent, car payment etc. and the list goes on. No matter how much we’re pulling in, it seems as if that only means more is going out. Especially now that our daughters won’t stop asking for the new Daddy’s Money shoes.
By a show of hands, how many of you will buy diapers or pull-ups this week or pick up a bag of pizza rolls for an after school snack? Unless you’re like this mom, we’re all spending our money on (mostly) the same things. What we do with the amount left over is what can make the difference between living paycheck to paycheck and not sweating the small stuff. That, and 86-ing our $30 a week lottery ticket retirement plan.