Tag Archives: total money makeover

I’m working hard and getting nowhere

Do you ever feel like that?   I have felt that way on our jOurNey to get out of debt.  On Tuesday, I shared the story on how we got out of denial and started tackling our finances in my “Getting Out of Financial Denial” post.  Does that mean the process has been easy and I haven’t wanted to quit?  No way!

Today I wanted to shed some light on the “lows” of working toward a gOaL.  There will be times when you feel like you are making no progress.  When we first started tackling our debt I felt like we were moving mountains.  But as time went on there were moments we felt defeated because of unexpected bills or kinks in the “plan”.

Life isn’t easy.  There will be suRpriSes and setbacks.  In tough times, Doug and I talk a lot about where we’ve come and the good things in store for our future.  When we need inspiration we tune into Dave Ramsey’s radio show for the “Debt Free Fridays” to hear how other people turned their financial disaster into a sUcCeSs story.  We surround ourselves with friends that have similar goals and give us support.  We choose NOT to give up because we know there IS a light at the end of the tunnel.

If you are feeling defeated in some area of your life, take heart!  You may not feel like you are making progress, but YOU ARE.  Eventually you will see your hard work pay off.  Believe it and persevere.  The greatest rewards come to those who work hard and wait….

Lara

Live-It List Hidden Question of the Week

List an item on your live it list that you will do with another person and your relationship with that person.

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Filed under Finances, Getting Real, Hard Reality, Life

From the Confessional: Financial Denial

I remember 2011 Super Bowl Sunday like it was yesterday.  The game was about to wrap up and I sat in the living room staring at our computer, logging our expenses for the month.  I told Doug what I was woRkiNg on.  He responded by asking, “Lara, WHY do you even do that? We’ve been doing this for years and it comes out to the same number every month!“  After talking about it for a while we went to bed feeling defeated.

I couldn’t fall asleep and happened to see the “Total Money Makeover” book by Dave Ramsey on the night stand.  (I had ordered that book earlier in the week because a friend had recommended it.)  I ended up reading the first three chapters and my financial atTituDe was forever impacted.  I anxiously told Doug about it the next morning and, from that day on, we started working the basic principles to become debt free.  We revamped our expense sheet, made new gOaLs, and most importantly worked like crazy.   Doug got up with me and worked a few hours painting blocks before he went to his day job.  We stayed home on the weekends and worked every free chance we had.  We got the entire family involved in the process.  It was a little cRazY but we finally started getting traction.

Looking back, I can’t believe how much we’ve accomplished.  We not only drastically changed our financial situation, but our family has become even more of a TeaM.  It is still a work in progress but we are on our way to changing our family tree!

I am sharing this with you because if someone didn’t reach out to us, who knows how long we would have stayed in denial.  As humbling as it is to admit our faults, I take cOmfoRt in knowing our story may help someone going through the same struggle.

How is your financial situation?  Do you run out of money before the end of the month?  Go check out the “Total Money Makeover”.  Dave Ramsey has a great, simplified plan that will make you look at your financial future in a whole new way.  We also LoVe tuning into his radio podcasts while we are busy at work!  Visit http://www.daveramsey.com/radio/home/

Check back in on Thursday, for my Part 2 of this story!

Get on your way to financial FREEDOM!

Lara

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Filed under Finances, Getting Real, Life