Dave Ramsey teaches us to save money and spend it wisely in his lessons. My husband I are on our debt snowball baby-step. It's easy to understand, and easy to watch. He's not doing anything new that our grandparents didn't do, but he teaches our debt-addicted world how to get it all back.
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Our family has enrolled in Financial Peace University.
Husband and I and 4 of our 6 kids ( the other two live out of state) have recently enrolled in Dave Ramsey's Financial Peace University offered at the church we attend. We hope to be able to encourage each other and build good money strategies that will equip us all for life!
Put only your budgeted amount of CASH money for things such as eating out or seeing movies in an envelope. Make an envelop for each category such as groceries, gas, etc. When the cash is gone, you are done. Paying with cash shifts our emotions and makes it harder to over spend.
envelop idea from Dave Ramsey Financial peace University
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