My husband and I are not rich by any means. In fact, we've each made some very dumb decisions when it comes to money. Those stories are for another blog, for another day. One thing we've been very diligent about since we got married is living within our means. I am proud to say that we have not purchased one dollar on credit since the day we got married, and probably, since before we were engaged. We have worked hard over the last 2 and a half years to save and pay for what we have, and God has blessed us immensely with many generous gifts in the meantime. I truly believe this is a result of how we have turned our lives around and become good stewards of what He has given us.
When I was making terrible money mistakes, I heard of this Dave Ramsey guy, whom most of you probably know of. I was immediately inspired by all of the debt-free screams on his radio show, and listened to it almost daily, as I was working part-time at the time. I have wanted to go through his Financial Peace University ever since, but couldn't afford it at the time, and when I got married, my hubby couldn't see the point of "paying for common sense."
Persistence pays off, because just recently, I caught a great deal on Dave's CD's and we were able to listen to FPU at home. We learned about all of Dave's principles, from saving, to purchasing, investing, and insurances. My favorite lesson from the entire series is his lesson on giving, which wraps up the class.
The thing that hit me the hardest about that lesson is being able to pass on a legacy of not only zero debt, but a spirit of giving to our children. We are not all the way through the Baby Steps, but we are working our way through one day at a time. I am excited to be able to start our sons' lives by showing them a life without payments and being able to give to others. This is the best thing I can think of to be able to do for them, apart from helping them to know God.
Today's encouraging verse: Train up a child in the way he should go; and when he is old, he will not depart from it. The rich ruleth over the poor, and the borrower is servant to the lender. Proverbs 22:6-7
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