Sunday, January 20, 2013
Yesterday, I took my first Financial Peace University class with Dave Ramsey - it's being offered at my church. True, it is common sense principles, and stuff I already know, but I haven't really followed through on what I know I should be doing in a while.
One of the things they emphasized is that this is just not about information, it's about a change in mindset. Then it dawned on me that it's the same way with my weight and being on this site. It's not about the information (definitely need it), but it's really about a mindset. Eating healthy and exercising for me now is natural. Even if I do have the ocassional indulgence (lately there have been more than a few), or don't get in as many workouts during the week that I had hoped to, I know that I will always get back on track (and I'm never off the track for long). Not eating well and not exercising for a week is like not taking a bath for a week - it just ain't going to happen. My mindset now is such that eating well and exercising is just a part of who I am.
It will be the same way with going through this program and getting myself out of this debt. It's a change in mindset. I won't be out of debt when this 9-week program is over, but just like eating well and exercising is a part of me, so will money management become a part of mindset so that I do it naturally and it doesn't seem like a strain or hard to do.
I find that I do better when I actually track my food and exercise on this site. I think I'm going to have to apply that same principle to tracking my spending and expenses. I know I haven't tracked it before because I didn't want to see the big picture of my assets versus expenses (I've been getting along very well without seeing that picture - thank you very much). That may explain why I haven't done as well as I should be doing. My desire to get out of debt and start accumulating wealth is far greater than my fear of seeing the big picture, so I'm going to face the giant (debt) and knock it to its knees - it has stifled me long enough, and now it has to go!!
Here was my epiphany from the first class: If you have an emergency fund, you no longer have emergencies !! (since you'll have the funds you need to handle that emergency). That's going to be my step one.