Wednesday, October 5, 2011


A big THANK YOU and welcome to all the staff at St. Joseph County Public Library. I really enjoyed sharing with you and realized I have no problem talking about things when I'm passionate about here.  Here is the list of links I spoke of today. Feel free to ask any questions along the way. I think Theresa will be posting some information to your community boards as well!  Stay tuned as I will continue to post some more tips and local tricks over the next couple weeks...

¨ Online: printable

¨ Online: e-coupons:

¨ Coupon Matching & Deal Sites:

These are just a few of the many sites out there. Happy savings!

Monday, August 1, 2011

Where has the time gone...

Clay recently did a sermon series about making peace with various aspects of our lives and our faith. A couple weeks ago, the pastor spoke on Making Peace with Money. He invited several FPU couples from our church to share their feelings about FPU and the changes it has made in their lives. It really got us thinking, again, about how far we've come.

While we were working our Debt Snowball, I'm sure it seemed like we would never get through this. In fact, when we first started we had a 5-10 year time line. Our biggest debt was my school loan. At first my goal was to have it paid off by the time Troy was in high school. Then when we started to pick up speed, my goal was to have it paid off by the time he started kindergarten. We blew that goal away. We ended up paying it off in under 2 years. He was only 3 when we made our Debt Free scream.

We have been debt free for a little over 2 years now. What's amazing is that the last 2 years seem a LOT longer than the 2 years it took for us to pay off the debt. FPU totally change the way we live our life. The things we did before FPU seem so foreign to us now.

Thinking back on all this gives me hope that we'll reach Baby Step #7 sooner than we hope too. We think we're on track to pay the house off in about 12-15 years, but we're really hoping we can do it in less than 10. I have to say, revisiting what we've been through has given me a new spark of gazelle intensity.

I think it's time for us to revisit our goals for this year. Have you looked at yours lately?

Monday, March 28, 2011

The time is NOW!!!

Dave Ramsey's EntreLeadership is being aired via LIVE simulcast this Friday, April 1st. Don't miss the opportunity to learn the secrets of successful leadership and operating a recession proof business. For more information visit the EntreLeadership tab above. To see if you qualify for special pricing, e-mail us here and tell us a little about yourself.

Friday, March 25, 2011

Budget is NOT a Four-Letter-Word

I get so frustrated when people look at me like I'm a leper when I use the words "budget" or "Dave Ramsey". I recently got in touch with an old college friend. Since Financial Peace is a big part of our life in the past year, I naturally talked about our progress while we were catching up. The response caught me off guard. "I've heard of Dave. I've actually seen his show on from time to time. We've always been pretty frugal, though, so I don't really listen to what he has to say." That really got me thinking. Just because you are frugal, doesn't mean you can't benefit from budgeting.

I used to consider myself a very frugal person. We don't have fancy furniture or toys. We didn't really buy things we couldn't afford. I always used coupons and shopped the ads. Despite all my efforts to save and be frugal, we were far from finding Financial Peace. I just didn't know it.

Wednesday, January 26, 2011

Kids and Money is a hot topic!

There is a great post on Simple Kids this morning about kids and money. Click here to read how another Dave fan shares their thoughts on the topic. 

Monday, January 24, 2011

Kids and Money: Busting open the piggy bank?

I've done a whole series in the past on Kids and Money. I previewed Financial Peace Junior, talked about commissions for our kids, etc. Now we're going beyond the basics and I'd like some ideas from you.

Both of my kids have had at least 2 piggy banks ever since they were born. Before commissions they would often get our loose change or money from others and excitedly listen to it drop in to their brightly colored pigs. Addison (2) still does this because the concept of spend, save, and give are foreign to her still. Troy, our almost 5 year old, has a Money Savvy Pig that he uses for his commissions. We put a little in to each category each week, but he still has 3 other piggy banks that are quite heavy.

So, here's my question for you...
When do you let your kid bust in to their piggy bank?

I'd also be interested in hearing how your handle money your kids receive for gifts. Do you make them save some or give them free reign over what to do with it?