And the winner is…..Dave Ramsey! Yes, Dave Ramsey…Do you know him? Have you heard about him?
Although, I have not had the pleasure to take one of his classes, I have heard great things about it from people that I know. And right now our church, Harvest Christian Church in Troutdale is offering the Dave Ramsey Financial Peace University. This is a 13 week class that will change the way you look at money!
If you can't attend Harvest class, if you go to the Dave Ramsey website, you can locate a class in your area.
Here is an outline of the different subjects they teach from week to week:
One of the lessons that I always hear about on budgeting is the Envelope System where all your money is "deposited" into envelopes and labeled. Each envelope has a designated amount of money in them based on your budget for a particular expense. For example you might label envelopes as follows: Entertainment, Groceries, Clothes, Savings, Tithes, etc... Once you spend the money within the envelope, then it is gone until your next pay period (deposit).
This allows for you to visually see how much money you have at any given time and then perhaps help you think twice before spending it. I know for us personally when using our debit card, which comes directly out of our checking, we still spend more than we should. And we don't realize how quickly it adds up until we shriek when we look at our bank statement.
The class itself cost between $80.00-$100.00 depending on where you take it. And like our pastor recently said, "If you don't have an extra $80.00-$100.00 a month after all your bills, food, etc than you NEED to take this class."
So many people, after taking this class, have paid off huge amounts of debt sometimes even while still taking the classes. Cars, Mortgages, Medical Bills, Student Loans, GONE!
What do you have to lose? (more money?)
Note: This is not a paid endorsement
If you can't attend Harvest class, if you go to the Dave Ramsey website, you can locate a class in your area.
Here is an outline of the different subjects they teach from week to week:
| Jan 17, 2011 | Super Saving - Attend free! |
| Jan 24, 2011 | Relating With Money |
| Jan 31, 2011 | Cash Flow Planning |
| Feb 7, 2011 | Dumping Debt |
| Feb 14, 2011 | Credit Sharks In Suits |
| Feb 21, 2011 | Buyer Beware |
| Feb 28, 2011 | Clause and Effect |
| Mar 7, 2011 | That's Not Good Enough |
| Mar 14, 2011 | Of Mice and Mutual Funds |
| Mar 21, 2011 | From Fruition To Tuition |
| Mar 28, 2011 | Working In Your Strengths |
| Apr 4, 2011 | Real Estate and Mortgages |
| Apr 11, 2011 | The Great Misunderstanding |
One of the lessons that I always hear about on budgeting is the Envelope System where all your money is "deposited" into envelopes and labeled. Each envelope has a designated amount of money in them based on your budget for a particular expense. For example you might label envelopes as follows: Entertainment, Groceries, Clothes, Savings, Tithes, etc... Once you spend the money within the envelope, then it is gone until your next pay period (deposit).
This allows for you to visually see how much money you have at any given time and then perhaps help you think twice before spending it. I know for us personally when using our debit card, which comes directly out of our checking, we still spend more than we should. And we don't realize how quickly it adds up until we shriek when we look at our bank statement.
The class itself cost between $80.00-$100.00 depending on where you take it. And like our pastor recently said, "If you don't have an extra $80.00-$100.00 a month after all your bills, food, etc than you NEED to take this class."
So many people, after taking this class, have paid off huge amounts of debt sometimes even while still taking the classes. Cars, Mortgages, Medical Bills, Student Loans, GONE!
What do you have to lose? (more money?)
Note: This is not a paid endorsement
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