December 10th, 2008 Leave a comment Go to comments

Somewhere before my 39th birthday, I “woke up” and realized that, even though I have two 401k plans, I only have about enough money in them to support us for a year.  I had credit card debt, a mortgage, and not a dime of savings.  This wasn’t the way to live.  My church was getting ready to start a Dave Ramsey Financial Peace course, and, even though a bit skeptical, my wife and I decided to take the plunge.  It was life changing.

Now, we are on a budget, have a $1000 mini emergency fund, and are getting ready to start snowballing our debt into oblivion.

We live in a small town in the Midwest and have four children, three that still live at home.

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