David Bach is offering a great free download today, Jan 5th only. Get his 12th book ‘Debt Free For Life’ for download FREE. I just read the first chapter and so far it is pretty good. I’m a fan of the Dave Ramsey plan, and it sounds like some of what Bach talks about is similar. Thanks Mojo Savings!
Let me add a personal note that I’ve been thinking about including on this blog for a while now. Before reading, please know that my only reason for saying this is in hopes of encouraging you through our story.
Our family is debt free except for the house, and I can’t tell you what a difference it makes. We had all of the usual excuses about debt, but once we got serious about living on a written budget, communicating regularly about money and kicking the student loan debt to the corner, it made a huge difference in our marriage and my level of anxiety about money.
When we became serious about living this kind of life, it was also amazing about how God blessed us. In 2009, in the midst of the recession I was offered 3 jobs within a week’s time, all of which were unsolicited. Two of the calls I received offering me jobs were received on the same day, giving me the feeling that God was trying to tell me something. I ended up taking two of them, doing work that I love that allows the flexibility to be at home when our daughter is at home. I still feel like a stay at home mom. Another example was the unexpected check we received in the mail shortly after we made our annual pledge to our church. Still another was receiving a bonus check right after making a donation to a local charity. I’m not saying that the last few years have been without challenges—they most certainly have. Yet because of God’s blessings and because of a commitment to living this kind of life we are able to look at those challenges as opportunities. Almost every time we are able to look back and see how those challenges offered us an opportunity for growth.
I think I have mentioned that on the top three list of resolutions made among Americans this year is a desire to become better about managing their money and paying down debt. If that speaks to you, I hope you’ll find some of the tips and tricks on this blog helpful in saving you money. I also encourage you to check out Dave Ramsey’s website to learn more. Remember, you don’t have to buy his books and can check them out of most public libraries for free. ;)