Money…what keeps me up at night

Of all the things that keep me up at night…money is numero uno. Not school, not death, not work, not relationship issues, nothing keeps me up as much as money worries. I think this is why most of the bible focused on money issues, because if you are like me money is always on your mind.

My wife and I have have been following the Dave Ramsey (Total Money Make Over) plan for about 5 months very seriously. I became familiar with his plan about 2 years ago but never really got focused. As he says, however, intensity is everything. While it hasn’t always been fun, it works. The concept of acting your wage and not using credit, ever! Are things the average American millionaire practices in their lives every day. The average American spends 122% of what they make, do you see a problem here?

I have had to work extra hours as well as a second job to do it but this weekend another one of my debts will be gone. I can’t tell you how much peace comes over you every time another debt goes down. With a $1000 emergency fund in place and sweat on our brows we should be out of consumer debt in January. All we will have left is a car payment and a student loan. I will probably spend the next 2 years fighting this debt off but as Dave says “Live like no one else so that later you can life like no one else”

Go ahead and click on the link I put on the right hand side. Also I have put his rss feed onto my sidebar with some great articles.

Enjoy! And happy debt killing!