This summer I have been busy reading up on Dave Ramsey principles. I have heard of his plans before, but I really opened my eyes when my friend Ryan introduced me to it after completing Financial Peace University at our church. We sat down at her kitchen table one day and really studied it, and I came up with a plan and a BUDGET! This budget will completely be in place once I go back to teaching this fall. I am so very excited to begin this new way with money.
Basically his plan is this...Live Like No One Else, So You Can Live Like No One Else. Get it? It's easy...don't spend your money like the world teaches us, but use biblical principles and common sense when it comes to money. Create a budget, a budget that works, but is strict enough that you become debt-free. No credit, all cash. All the time.
This girl used to spend money like it was going out of style!
A lot of changes will be made, and I have already made some of these changes!
First off, NO MORE NAIL SALONS! I used to get mani/pedi's every other week. That is about $70/month. What?! Ridiculous! I went to Target and got some cutical cream, some tools, and I have enough nail polish already to start a store, so I am set!
Something I have really gotten better about is EATING OUT. There was a time where I ate out every day. Not now, even as I write this, it's Friday night and I just finished dinner...at home! You cannot eat out for less than $15 a person, and I got to the point where I really am not interested in just average restaurants. The food is really not that great. If I do go, it is because I am being treated.
Next on the list is MEAL PLANNING! I used to go grocery shopping and buy things I really didn't need, now I use many coupons and look for sales. I am no longer brand loyal and buy things when they are on sale, and love store brands! I will say this though, I love Publix and Whole Foods. These are the two stores where I buy my groceries. So I have to be very mindful of how I buy, especially when I am at Whole Foods!
I will keep you updated as I go through this journey. I can't wait to Live Like No One Else!