Gazelle Hooves & Hide (per my husband)

Last summer my husband and I went through Financial Peace University. We were so inspired, we wrote down some goals for ourselves! We set four years as our timeline to reach our listed goals. It hasn’t been a year yet, and we’re ahead! I know things will happen we don’t expect, that may set us back. But that’s what the emergency fund is for, right?

Anyway, I thought I’d share some pictures with you of a couple of my “Dave” clothes.

The toes all scuffed up...

The toes all scuffed up…

Four holes in the soles

Four holes in the soles

I don’t even really remember when I got these boots. I know it was before getting married, and we have been married for almost seven years. I wore these almost every single day at work. Fortunately we had enough money left over from Christmas bonuses this past year, I was able to buy a replacement pair!

Holes in the knees

Holes in the knees…

Not bought this way...

Not bought this way

These pants remind me how God has such perfect timing! I have had these pants for thirteen years. They did not get those holes until January 2013! after I received another pair for Christmas, and we had enough money for me to buy a couple more pairs of jeans. Crazy!

It can be a struggle to be “gazelle intense“, but when you have absolutely amazing goals for your future, and you and your spouse are on the same page, it can be pretty exciting too!

What crazy things have you come across in being “gazelle intense”? What made you go for it? Got any advice for us?

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Blessed.

Home Sweet Home

Yesterday we picked up the keys to our new home!!

It is an apartment; not a house. But that doesn’t make it any less special. Family members have lovingly provided a roof over our heads the past seven months; now we have our own place!

Getting an apartment, as opposed to a house, was slightly influenced by attending FPU. We want to be smart with our money. Even though we have enough money to get into the apartment, we don’t have enough yet to rent a U-Haul for all our stuff that is currently in storage. So, we’re going to temporarily make do. And fortunately for us, the couple that led our FPU small group is loaning us a set of pots and pans, and a few dishes. Otherwise, we have a couple camping chairs. And we’ll be sleeping on sleeping bags. I guess it’s a good thing we enjoy camping. And this has an upside–air conditioning and no bugs!

God’s Covenant

The most awesome part about yesterday…

When we stepped outside our apartment, there was a gigantic double rainbow right overhead. It reminded us of God’s promises:  God loves us, and will be with us. A rainbow is one of the only natural phenomenon mentioned in the Bible, that God used specifically to signify a covenant, and intended as a reminder in the future that he always keeps his promises.

We felt so blessed.

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?

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