Financial Peace

We have thoroughly enjoyed taking Dave Ramsey's Financial Peace University classes offered at Antioch, the church we attend. We are on Week 8 of 13. Dave teaches how to make wise financial decisions and explains using scripture. I just want to take a minute to give God the glory for all He has taught us and thank Him for how He has blessed us. We are now on the envelope system with a certain amount designated for groceries, eating out, gas, and miscellaneous. We use cash to buy everything. This has already helped us not purchase things because we see our cash diminish. If we don't have the money for it then we save up for it. No more buying things with credit or 12 months no interest deals. Chances are we can even negotiate a lower price if we show someone the cash. We have been needing extra income since one of my clients cut back her services. We were so thankful that God brought me a temporary job through a friend that helped us, within one month, fund our $1,000 emergency fund and pay cash for new tires for the Rav. It feels so good to own those tires. After going through the budget we noticed our electric bill is our second largest bill each month. After speaking with friends we found we were paying 4 cents more per kilowatt than their rates. Dave Ramsey did a session on salespeople and negotiating. I called Reliant saying we need to get our rate lowered or we will switch. After an hour of being on the phone we got our rate lowered from 14.6 cents per kilowatt to 10.9. Praise God! The customer service person was very nice and appreciated our business. (Check rates at www.powertochoose.org) After receiving this month's bill we have already saved $150. We are thankful for the financial knowledge we now have and look forward to being debt free soon, with sacrifice and determination. We want to live like no one else so one day we can live like no one else! If FPU is in your area we definitely recommend it.