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

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He Will Lead Us Home.

This weekend is our official move day! …into a storage shed.

I explained what we’re doing with our house in There’s No Place Like Home… and it feels good that things are moving along.

We still do not have a place to live. Though, we do have a prospect. We are looking at a renovation home. We do not know yet if it’s a go because there are a couple things that need to be checked out first, and renovation home loans take much longer to process than a regular home loan. But if it’s what God wants for us, it will work out.

Meanwhile, we will be moving out of my husband’s brother and sister-in-law’s finished basement. And moving in with my husband’s mom. This has definitely been a transitional stage of life. I don’t think anyone grows up saying, this is what I want to do when I grow up. But here we are. It’s definitely been an adventure. And we’re learning more and more how to lean on God and claim His promises each day!

What have you done in life that you never thought you’d do?

 

Greatness at 5:30 A.M.?

When Is the Time for Greatness?

I had it made as a runner. I lived in a town small enough you could run anywhere, any time, and be safe. I had a consistent running partner who was very encouraging. I would get home from work, throw on my running gear, and head out the door, covering anywhere from three to seven miles. More if we were training for a half marathon. I loved running for the challenge (as I talked about in Marathon Training:  The Beginning) and the endorphins. It made me healthier, made me feel better, and made me sleep better.

Now….it’s different.

Now we live in a big city where it’s not a good idea to go running certain places or certain times, at least not by myself. My husband has been kind enough to join me, even though he doesn’t like running (I think he does it because he loves me and knows it’s good for him). We run one mile, twice, during the week. I try to cover more than two miles on the weekend. I know, being in a transitional stage of life makes it harder to find time for running. I miss it.

There is one thing I have learned from this alteration in my running-side of life:

When we want something to remain in our lives badly enough, we’ll surprise ourselves with how we make it work.

I am not a morning person. And I always declared I could never get up early on a regular basis to run. Until now.

I don’t like getting up at 5:30 a.m. My husband likes it even less. BUT we still do it. To run. There is absolutely no other time we could run. Do I think it’s worth it? Yes.

How many times in life are we put in a position where we have to make something work? If it’s worth enough to us, we do just that… Make it work. Many times we don’t push ourselves the way we could, because we don’t have to. Why do we have to wait until the “have to” point? Just imagine what could happen if we push ourselves before reaching that point… What greatness could be accomplished!?