Confessions of Cultural Heretics

"When the whole world is running headlong towards the precipice, one who walks in the opposite direction is looked on as being crazy." T.S. Elliot

How Dave Ramsey Shaped Our Lives

When Brian and I were engaged we began to realize how differently we approached money. I was a saver and he was a spender, I was the nerd, he was the free spirit. Although this had been a concern while we were dating, it never really was an issue that needed to be addressed while our finances were still separate. But good, honest marriage preparation has a tendency to bring these issues out of the closet. One day my boss mentioned that there was going to be Dave Ramsey’s Financial Peace University classes starting on the campus where I worked. I grew up listening to Dave in the car with my Dad as he drove me to class on his way to work. Immediately I knew this was something that Brian and I needed to do.

When I told him about it, however, he was not enthused. He said it was too expensive (so I paid the $100 to take away that excuse) he said it was too big a time commitment when we were both working full time (one night a week for 13 weeks). Finally, I decided to press hard. I told him it was really important to me and asked if he would do it for me? He relented. To this day I still think that was the best 100 bucks I ever spent and Brian has thanked me over and over for dragging him to that first class. After the first session, we were both hooked. Everything Dave said made sense and we had so much fun while we were learning! Looking back, we consider Financial Peace University one of the best practical things we did to prepare for marriage.

But things began to change dramatically in our relationship before the course was even over. For the first time, we had written individual budgets. I felt a sense of peace when I finally knew exactly where I stood financially.   Neither one of us made much money and like many brand new college grads, thought we didn’t have enough money to make a budget, but having a written game plan for the month was like getting a pay raise.  We were amazed how earmarking where each penny would be spent before the month began kept us disciplined in our purchases and prioritize our needs and wants. It was so important for us to get on the same page while our finances were separate in order to make the transition to marriage and joint accounts smooth. Because of FPU, it was an easy and exciting transition for us.

As a married couple, we implement the lessons of FPU every day. I carry an envelope system for our cash categories. Before the beginning of each month, we use Dave Ramsey’s Monthly Cash Flow Form to plan and prioritize our budget. Over the course of the month, we have frequent discussions to keep each other up to date on where we are. Now we take pride in finding big big bargains on our usual purchases and clever ways to enjoy a night out.  The knowledge gained from FPU has guided us in making the biggest decisions and kept us on track when facing small temptations.

At a time when the number one cause of divorce is money fights, we have been blessed with financial peace. Because of Dave, we have long term goals and patience to sacrifice to get there. I no longer worry about money. Although we still live on a tight budget, I don’t worry anymore about money. I know right where we are, where we are going and we have an emergency fund for the things we can’t predict.

One day while in prayer, I realized that fear about money is not a fruit of the Spirit and in fact can hold us back from our duty to be good stewards of the money God has trusted us with. How can I use it for His glory if I don’t even know where it is going or have a plan for how I can get to a point where I am more free to bless others with it? Our goal is not to become wealthy so we can buy anything we want or do anything we like, but rather to become financially secure so that we can provide for the needs of our family and then be the instruments of the Lord in whatever work He has for us.

That’s why we’re living like no one else, so that later, we can live like no one else!

For those of you wanting to know more, Dave’s Total Money Makeover is a must read!

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One thought on “How Dave Ramsey Shaped Our Lives

  1. Hey! We’re living like no one else too!..in a different way. 😉 But we might play with the whole envelope system in January, mainly because I saw some realy cute ones on etsy that made me want to make some, and there’s no point making them if we aren’t going to use them.

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