Our family began the year by taking “Financial Peace University” classes offered by our church. Financial Peace University is a course developed by financial expert Dave Ramsey, teaching people to get out of debt and build wealth using a practical budget system and debt snowball. (Definitely check it out!) It was the beginning of a much-needed, eye-opening, life-changing, journey for us.
However, less than two months after the last class, I found myself in a chain store making an entirely unnecessary impulse purchase that included this book.
The purchase also included an art-prompting sketch book for our son and a poetry journal for our daughter. I am admittedly a sucker for books and writing tools and our 9-year-old son has started drawing impressive comics and our 6-year-old daughter is writing powerful poetry.
That, along with my own need to write, and April being poetry month, it took two seconds to justify spending money not included in our April budget.
Perhaps the purchase will be redeemed, because as I balanced our monthly expenses this morning and determined to end this month with an “every dollar” budget, I used my impulse-buy book to reaffirm our family’s mission, poetry style.
Those who listen to Dave’s podcasts, read his books, or have taken the course will recognize his phrases and lingo in the poem. Thanks, Dave Ramsey. We’re one more family on track to change our family tree. Can’t wait for the day we do our own “debt free scream!”
Our “Dave Ramsey” Family
By Regina Cyzick Harlow
Stuff and label envelopes
Assign specifically to spend
Our monthly budget on a plan
To pay debt snowball to the end
Tweak, adjust the budget app
Enter every dollar spent
We’re only halfway through the month
But now we know where money went
Beans and rice and rice and beans
No more going out to eat
Cooking skills put to the test
As lentils take the place of meat
Limit our vacation plans
Yes to less and no to more
Protect from impulse purchases
By taking lists to every store
Kids think “Uncle Dave’s” no fun
Until allowance pay-out day
When scheduled worked-for chores are done
And mommy is prepared to pay
Persist, endure, and persevere
With “gazelle intensity”
Will all be worth it in the end
When we are finally debt free!