Tuesday, January 4, 2011

Envelope Please.....

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:

Jan 17, 2011Super Saving - Attend free!
Jan 24, 2011Relating With Money
Jan 31, 2011Cash Flow Planning
Feb 7, 2011Dumping Debt
Feb 14, 2011Credit Sharks In Suits
Feb 21, 2011Buyer Beware
Feb 28, 2011Clause and Effect
Mar 7, 2011That's Not Good Enough
Mar 14, 2011Of Mice and Mutual Funds
Mar 21, 2011From Fruition To Tuition
Mar 28, 2011Working In Your Strengths
Apr 4, 2011Real Estate and Mortgages
Apr 11, 2011The 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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