My husband and I are starting out on another journey of trying to get a rein on our spending and our debt.  Last night I joined Dave Ramsey’s Total Money Makeover website.  Dave has helped my husband and I before , in the early years of our marriage when I was a college student and hubby was making much less than he is now we used Dave’s budget tips to help keep our finances in sync and we had little to no debt, no house payment, a couple small car payments and not much else. We couldn’t afford much, so we didn’t buy much. Needless to say, the more money you begin to make the more money you believe you can afford to spend and things just get out of hand.  I also have not been so smart with my home based business which has gotten me into some debt as well, unfortunately. Now with Baby #2 on the way, I feel the ever pressing urge to get our finances under strict control, begin saving, and doing things much smarter when it comes to money.  So…. I hope you all who read my blog will encourage me on this new journey. One thing is for sure, with high gas and utility bills, the rising cost of living, and just sheer stupidity on my part this will not be easy.  But, I will pray that the Lord will give me the strength each day.  As soon as we get paid again we’re going on our BUDGET, as today we don’t have any money to spend anyway.  So… payday will be next week and our journey will begin.  I’ll try and keep you posted.

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