I have been listening to Dave Ramsey for quite some time, after some gentle urging from my husband to get on board with him and his financial outlook. Now that we are on the same page, and working through our debt snowball (which will be finished by the end of 2013 with our current habits) I have decided that "hey, this guy really does know what he is talking about and I should put more faith into ALL of his ideas." This all boiled to down to CASH. I despise CASH. I am nervous to carry it around with me, I feel like I should use it all right away, and I forget to actually use my change so after a while my purse weighs a few extra pounds ;) I have gone to a cash only budget and quickly given up after running out of money within the first week. Since I am more of a "I want it NOW" kind of girl my debit card has always come in handy during these moments. Now that it is a new year I had this great idea that I should follow the principles laid...
Just the story of me, and my "litter" as we journey through life, and try to retire early in the process