I read this book a few years ago (summer 2007) when we were headed up to Washington state to work at a Boy Scout camp. We read it at a friends’ house, and I loved it, but Russ and I didn’t talk about it a whole lot, and Russ never read it, so we didn’t really learn much from it.
Anyway, when Russ went to basic training, I was able to pay off a few credit cards with all the money we were making (since I was living with his folks and didn’t have to pay rent :D ). Well, then Christmas happened (Christmas wouldn’t normally have happened this way, but our Christmas last year happened to include some very expensive plane tickets. We were so depressed about using all our money (and mostly money we didn’t have) on plane tickets, that we stupidly decided to spend even more money we didn’t have on gifts. It was mostly emotional spending, I think.
Well, we’ve gotten over that, and a few months ago, we swore off our credit cards, and we started “power paying” our credit cards. It seemed like we weren’t making any progress, and then I remembered Dave Ramsey’s book, and so I checked it out from the library. Actually, I put a hold in at the library for it, since it was already checked out and about 5 other people were in line before I was!! 8-o
I got the book just last week, and I have devoured it all over again. This time, with Russ, and we are well on our way to having our $1000 Emergency fund set! We’ll be done with our Emergency fund by August, and then we’re going to start attacking our debt like you’ve never seen debt attacked.
On top of that, we’ve decided to wait to buy a house until we can put 100% down (or really close to 100%). Since we’ll already be used to living on nothing (or close to nothing) we’re going to keep living on close to nothing, even when we get real jobs. Then we’re going to save every last penny we can, and eventually, we will have no debt, two cars, and a house – and no payments… I’m stoked. We almost decided to sell stuff to jump start paying off our debts, but then we realized that we really don’t own much “stuff” and the things we DO own help us to spend less money each month – who needs to go to the movies when you’ve got a 47” TV in your living room? And we have our Blockbuster movies by mail thing, so we get to watch all the newest movies in the comfort of our own home, which is much cheaper than Russ buying $5 movies from WalMart all the time. So, we’ve cut down drastically on our budget, allowing us to save more and put more towards our debts. We’ve even started talking about eating mostly rice and beans to save money on food. We’d probably get really healthy, too! ;)
Anyway, so that’s where our total money makeover is right now. Our goal is to be completely out of debt (besides student loans, since the govt is going to pay those for us) by December 2010. Don’t think we can do it?! Watch us. and on a $47,000 income – where about $19K of that is rent because we live in one of the most ridiculous states in the union.
I recommend this book to everyone. Even if you’re debt-free. It will change the way you look at money. The guy is very Christian, too, so he spends almost a whole chapter talking about how when you’re filthy rich, you should be giving away a bunch of money.
Read it. Now.


Apparently Vince had a great time running around with Bradley and Connor. Of course. Vincente idolizes those boys. They are his very favorite people in the entire world (besides Mamãe and Papai, of course).
There was actually some adventure to this campout. The people Russ was supposed to be sharing a tent with never showed up, and he didn't find out until after the gates had closed at the campground.
Well, after going back and forth between them coming home (which would have been a big bummer!) and me taking them a tent, we decided that I would buy a tent and go take it to them. So I did, and afterward I hung out with Trisha til way late (that was probably the latest night out I have had since before I was married!) and then we went to IHOP the next morning - just us and the baby girls. It was a real treat to have time out with friends without the little kids around and without feeling guilty for leaving our hubbys at home.
Now of course, the first questions I asked when the boys got home were about Vincente's behavior. Was he good for you? Did he like camping? Then about his eating while he was there. Did he eat well? What did he have for breakfast? Geez. I can't even relax about being a mom when my kid is off camping. I am just uptight about knowing everything about my kids - what they're doing, what they're eating, etc etc
We bought Vincente his first sleeping bag - of course it had Lightening McQueen on it! He loved it! I'm so glad his first camping experience was a success - that means that we will definitely be camping more. I hope so, anyway. Funny, my two-year-old kid got to go camping with Papai before I did! It's rediculous that Russ and I both love to camp so much, and neither of us have been camping since before we got married.
Life gets busy, I guess. We were crazy busy before - school, work, and having babies. Now we are in military training where we only have so many days off, and they are all pre-decided. None of this "Let's take a few days off and go camping!"

This is one of those things that should never have been broken in the first place - our beautiful electric skillet we bought with one of our gift cards back when we were married.















