FULL CIRCLE....

Speechless is how I left class last night......
Not many things in life leave me speechless with a dumbfounded look, but the final class of Dave Ramsey last night did. Wow.

"The Great MISUNDERSTANDING"

Bottom Line- NOTHING is yours. EVERYTHING is God's. You are working for his kingdom, and not your own. Your money is not yours. You are only the MANAGER of HIS money.

Just because you make more money, does not mean you get to spend more and have more, it is suppose to mean that you GIVE more. Ouch! How guilty of this are we? How guilty are you?

Did you know that the term "tithe" means "tenth". So, therefore, if you are not giving a TENTH of your income (10%) then you cannot say that you "tithe", you are giving an "offering". Now I know why at church we have the session "tithes and offerings" and not just "tithes" NOW WE understand! We have never "tithed", We have always "offered". And reason being- SELFISH. And being selfish is a SIN. When you clench your fist around your money, and keep it to yourself, you will never prosper in life. When you open that fist, and give it to him, amazing things happen.....things you don't even understand HOW will happen.

Guilty.....Guilty....Guilty.... are we. Even being in debt, you are still suppose to tithe. That WAS so hard to wrap my mind around, until last night. Life has no meaning unless you are a giver.

You will never have financial peace, until this great misunderstand......is UNDERSTOOD.

So- we have "Graduated" and our class is now over. 13 weeks to get on the right track of financial peace. We are on our way, and can't wait for the day of becoming debt free! It takes the average family 18-24 months to become debt free, minus their house. Then after debt free, it takes them 6-7 years to pay off their house early. I feel much more at peace with our money. The financial stress has been eliminated in our marriage, thanks to the hard, dreaded task of BUDGETING. It isn't easy, it is very hard, but it's worth it! Many say that they don't NEED a budget, they've done it their way for so long....they aren't changing. Some say they are single and don't have any worries. Everyone has a reason, but not everyone has financial peace.

Sorry if I have stepped on any ones toes the past 13 weeks during this process. It has been a very learning-filled lesson and I hope if anything, at ANY POINT, in your life, that you too will someday take this class. Of the 4 families involved in my class, we were the only couple under the age 50. The other 3 said over and over, "I WISHED I HAD TAKEN THIS SOONER", and "WAY TO GO LOWE FAMILY- WAY TO GET YOUR FAMILY ON THE RIGHT TRACK EARLY!" It is never to late to budget, and take control of your finances. It is never too late to prepare for your future. It's never to late to get financial peace!