A few stepping stones in the direction of our dreams

Are things finally stabilizing?

These past seven and a half months have been a whirlwind of uncertainty for us. We had ideas of the dreams we wanted to pursue. We thought we were working toward those dreams…by my husband quitting his job to pursue art and composing, by my working at a business where I had opportunity to learn so much, by living in a low-cost community, by my beginning this blog…

But our dreams seemed on the verge of evaporating when I quit my job at the end of 2011. We felt like we were floating in empty space. Nothing to grab hold of. Fortunately we had family willing to help us back on our feet again, by providing places to live and emotional support.

Things are so different now… Both my husband and I have great jobs! My husband has a job he never in his life thought he would have, but he is loving it. The job has regular hours, enabling my husband to have evenings and weekends free to pursue his passions. Our jobs put us in a better position to attack debt. Living in an apartment frees up our time from most maintenance projects.

The awesome thing:  the situation we were in before, we tried forcing our dreams into reality. Now, even though we struggled with the thought of losing our dreams, we are in a better position than ever! It is amazing how God makes things fall into place so perfectly.

Now, let’s go attack those dreams!

Pursuing Dreams Together

Have you ever thought you were losing your dream, only to find things turned for the better?

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FPU Goals

Attending Financial Peace University has been so inspiring!

What’s for dinner?

The other day my husband and I sat down to outline our financial plan for the next four years…

And if I write those goals out here for all of you to see, that means there’s more pressure to accomplish them, right!?

So here they are:

  • Pay off all debt
  • Second car
  • 10 year anniversary trip to Hawaii

Now don’t you feel better after reading that? I know it makes me feel good to write it, because I know it’s possible! It’s actually possible to get that all done in less than four years…. But don’t tell anyone…

 

F.P.U.

You know, I’ve always thought Dave Ramsey had good things to say, and his company promoted good ideas and values…. But I never really dove into his stuff.

Until now!

Last Sunday was our first FPU class. For those of you who don’t know, FPU stands for Financial Peace University. I don’t know about you, but financial peace sure sounds good to me!

The website makes it easy to find a local class. They’re usually hosted by churches. The classes last for thirteen weeks, a couple hours each. For the first hour, you watch Dave’s presentation of the lesson on dvd. For the second, you meet in a small accountability group.

This last Sunday’s lesson covered the Seven Baby Steps (click here to see a list of all the FPU classes)

FPU Kit

  • Step 1:  $1,000 in an emergency fund ($500 if your income is under $20,000 per year)
  • Step 2:  Pay off all debt except the house utilizing the debt snowball
  • Step 3:  Three to six months expenses in savings
  • Step 4:  Invest 15% of your household income into Roth IRAs and pre-tax retirement plans
  • Step 5:  College funding
  • Step 6:  Pay off your home early
  • Step 7:  Build wealth and give!

My husband and I are both so excited to be heading down this path!

Some people have commented that we don’t need a class like that–we handle our money so well. Some people tell us we need to take it. We decided since we’re in a transitional stage of life, trying to figure out how to financially handle living in a new area, it was a good time to get some education.

Have you heard of FPU before? Why did you or did you not take it? If you did, how has it impacted your life?

Related Posts:

Money, Money, Money! by meMaigan

2012 Financial Goals April Update by Chickens, Cows & Children

God and Finances by On Planting Seeds…

The Joining of Your Money by Modern Wonder Woman

My Bucket List by LiteraryEllyMay’s Blog

Credit Card Addiction by Financially Literate

Here we go…. by Our Freedom Story