Gloria gets out of debt, Uncategorized

The Part-Time Ramseyites.

We’re part-time “Ramseyites”. I say “part-time” because if we were true Dave Ramsey disciples, we’d have no debt by now. The copy of Financial Peace I purchased in 2007 is out for display on one of  my end tables. We plan our month expenditures. We’re snowballing debt and saving money. Even with that, I don’t feel we’ve done enough.

Honestly, I’m ready to be done. I’m ready to be off this debt treadmill. Debt robs you of opportunities and I’m tired of being robbed. I’ve passed up business ideas because I felt bad putting money towards a business venture when I still owed other people money. I don’t want to do that anymore. I want to be in a position to take advantage of any opportunity that falls in my lap.

I’m so tired I’m ready to throw weight behind the sentiment. We currently pay an uncomfortable, and yes, shameful 23% of our monthly take home pay to creditors. Twenty.Three.Percent. Nearly a quarter. I’m not proud of that, man. Hard to admit.

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I could sit and feel sorry for us, but I won’t. I talked to the hubs about attempting to use his entire paycheck for savings and debt only. He agreed.

While some of my friends and associates were sleeping, watching a ball drop, dancing or kissing their boo, I was budgeting my way into the new year. Two minutes from 2017 and I was click clacking away in a Google Sheet, planning our freedom.

For the first 6 months of 2017, we will devote forty percent of our take home to paying off debt. Time to get to work on becoming full-time “Ramseyites.” I think ole Dave would be pleased.