My financial situation is probably better than a lot of people, so I don’t want to spend a lot of time complaining about it, but I do live paycheck to paycheck, and want to get out of that rut.
A couple friends of mine are attending Dave Ramsey’s “Town Hall for Hope” tonight. I’ve heard a lot about Dave, and have seen his book “Total Money Makeover” recommended quite a few times. I bought it about a year ago, and glanced through it a bit, but never sat down to read it, or practice any of the things he talks about.
I spent some time on his website, and signed up for the 30 day free trial of My Total Money Makeover. I’m not sure if I will cancel before they bill me the $10 a month (since I’m trying to cut down on my bills, it kind of makes sense for me to NOT pay for this, but we’ll see). The first thing he talks about is setting aside $1000 into a money market account so that you have a rainy day fund. I have about $192 in an ING savings account. Need to work on that……
I think I’m going to combine some of the decluttering of flylady, and the financial independence of Dave Ramsey, and start selling the kids clothes they’ve outgrown and clothes that I don’t wear anymore on Ebay. I have a ton of maternity clothes still lying around that could definitely benefit someone else. We’ll see how it turns out. I hope it doesn’t become another uncompleted project that lies around my house making me depressed!
