I don't know why, but I love listening to the radio. Something about the radio is intriguing. A friend of mine co-hosts a financial radio show a couple times a week. He truly believes Dave Ramsey is a genius. We also have a cousin that is a financial consultant - and he also says Ramsey is brilliant. As of right now, hubster and I cannot buy the Dave Ramsey books or pay for the Financial Peace classes. Not yet. Dave Ramsey books are on my birthday/Christmas lists. Whenever people ask me what I want for my birthday or Christmas, I tell them I want a Dave Ramsey book.
Until then, we are following everything available on Dave Ramsey's website. This includes the live radio archives! I like it a lot. I can listen to the radio online on my down time while playing around on the internet (like Facebook). It's so convenient. The radio show is live Monday through Friday 2-5 PM EST. If you can't listen to it live, they have an awesome archive. You can listen to any show anytime that is convenient for you!
The first radio show I listened to was Friday, August 12, 2011. It was interesting. Dave Ramsey had a few people call in to exclaim that they are debt free. These are people who have went through Ramsey's steps and managed to get out of debt. I really liked hearing it. It was nice to know that people who were in greater debt than we are finally managed to pay off their debt. It was inspirational. I already know what the hardest part is going to be in our venture.... saying no.
The first couple on the radio show said this was the hardest part. They have a very social group. Everyone in their group took trips, went out to eat, and spent money on social gatherings. They had to force themselves to say no whenever the social opportunities arose. Their friends would ask them to go out, and they had to say no. OMG - this sounds just like us.
We have a very social group. Our friends love to go out, hang out, spend money, and have been known to go on spontaneous adventures. I will admit - we did that too! It wasn't smart. Our families are the same! They are very social people, and they always have something to do. Our families and close friends are also in other cities and states. Traveling costs a lot of money to visit. My hubby is a social, fun-loving guy. He cannot say no to his family and friends. He always gives in because he loves them and wants to see them all. He's a free spirit. But now it's discipline time. We have to say no. If we want to get where we want to go, we have to say no to our friends and family. It's going to be the hardest thing to do. We are going to do this. No isn't a bad word. It's a stepping stone.
Another couple we talking about how they had to settle down, buckle down and get organized. The wife said her marriage became greater, their life became better, and she said, "The gotcha's don't getcha anymore." I cannot wait to be in that position.
Dave Ramsey also recommended setting up a will. My husband and I do not have wills. It would be a smart move. This is where this post turns depressing. In the past year, I almost died twice. My husband almost died in 2007. We've been there. We've seen it. It's scary. With my birth defect, it is scary. There is a chance that Volvulus can occur - and there really isn't anything I can do or prepare for. Scary, huh? Life happens, and when it happens, you feel lost. So, maybe today isn't the best day to set up a will. But Dave Ramsey suggested going to this site: uslegalforms.com/dave. This is definitely something I will be looking into. Only $15 to have a decent will... it doesn't sound half bad.