YES! I have to. I have had no wiggle room in our budget for a very long time. You would think that since the kids are now out on their own, that things would be better financially, but I am still paying the bills for spoiling them when they were home....buying things we couldn't afford with money we didn't have.
Back in October of last year, I was looking for a radio station to listen to Rush on when it was getting down to the last weeks of the Presidential campaign and I happened across this guy named Dave Ramsey...his show came on before Rush's on the particular station I found and since I was at work, and things were busy, I didn't really pay a lot of attention those first few days. Eventually, hearing someone scream on the radio that they were "debt free" finally did get my attention. Wow...could it really be possible? In this day and time, can people actually be debt free??
I want this very badly. I want for my DH to be able to farm full time, which is his dream. I dream of being able to leave something for my children and grandchildren someday. So, these are our long-term goals.
As I have heard it said before, a dream without a plan is just a fantasy. For the past few months, I have been on a planning frenzy...doing research on the net(how I ended up here), writing everything down, going through it all with a fine tooth comb...some of it has been almost sickening, but it has most definitely been a huge eye-opener. When all the numbers were added up, the total debt was over 400k...OMG...how did we let this happen??? A big chunk of that is farm debt, but debt nonetheless.
In the coming days, I will bring my blog up to date with where we are now and the accomplishments we have had so far.
First Entry....am I really doing this???
March 12th, 2013 at 07:01 pm
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I usually put up bits about running my small biz on a shoestring
(and parenting some)
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April 17th, 2013 at 12:31 am 1366158693
It's a short book, but really informative and fairly entertaining. It discusses the values, habits and priorities of people who've had wealth and privilege for several generations. Surprising insights.
Best of luck on your journey!
Byron