How do people afford this?

[eatwhatyougrow]

Extrapolate this acronym, please?

As Cryss said it stands for Financial Peace University. It is put out by Dave Ramesy and is a basic financial course teaching people how to budget, understand investing, saving, insurance, and other basic topics. It lays out seven basic steps towards financial peace in your life it's a great program. For anyone who wants to get in control of their financial life.

 

[eatwhatyougrow]

Oh and my wife and I do go out to eat, it's date night, and we do vacation, but it is planned for and paid for in cash every year we just are smart how we do it. We spent two weeks in Antigua last summer before the hurricane, total trip cost was right about 3000 including air fare lodging food and fun. So you can have both you just have to plan save and be willing to think outside the box. And we have a very meager budget. Just know how to work it for our priorities. Being debt free really is the key though. We have paid off homes, cars, no credit cards but it takes longer when you have a little bucket and don't use credit but it also allows us to live like we want.

 

[aart]

Daddy always said never pay interest on anything except for house and maybe a car.

 

[Cryss]

As Cryss said it stands for Financial Peace University. It is put out by Dave Ramesy and is a basic financial course teaching people how to budget, understand investing, saving, insurance, and other basic topics. It lays out seven basic steps towards financial peace in your life it's a great program. For anyone who wants to get in control of their financial life.

Actually I copy pasted it from someone else po st but can't find that post now to give them credit. My apologies.

 

[Arielle2]

I will second FINANCIAL PEACE UNIVERSITY

It is worth every penny. Seriously.

We cannot have everything we want.
Reread Lazy Gardeners first post.

My husband and I are not particularly religious but I found this program to be uplifting and doable. One step at a time ,work thru the program.

 

[Relleoms]

It’s sad that Dave Ramsey makes millions off people with not many people knowing that he filed bankruptcy before selling his books.

I think Dave Ramsey would be the first to tell you, the only reason he could write those books is because he lost everything before figuring out you can’t live on credit. It’s his personal testimony about going from riches to rags to riches. It’s a pretty simple philosophy-live within your means-and gives hope for recovery to those who have fallen.

 

[Relleoms]

It seems as though most of y'all commenting started out later in life being self-sufficient had a spouse to help them out. Is it realistic for a young single person to do this?

Absolutely! In fact, in some ways it’s even easier. I spent probably 3-5 nights a week (from age 20-32) either babysitting, house sitting, pet sitting, etc. aside from my full time job. All that money went to pay off my debt and build my savings account. My friends understood, and we would find the best places for happy hour, or we’d take turns making dinner. But I never had to ask permission to spend money, never had to be accountable to anyone but myself & God. When I finally met my husband and got married, I was able to enter our relationship debt free. Now, I know I can (although never want to!) survive without him.

 

[lazy gardener]

Dave Ramsey is very upfront about the fact that he did go through personal bankruptcy. He learned some hard lessons, and if he can use those lessons that he learned to help others to avoid those pit falls, kudos to him. There is not a single person among us who has not fallen down some where along the way, and learned a hard lesson because of it.

Absolutely! In fact, in some ways it’s even easier. I spent probably 3-5 nights a week (from age 20-32) either babysitting, house sitting, pet sitting, etc. aside from my full time job. All that money went to pay off my debt and build my savings account. My friends understood, and we would find the best places for happy hour, or we’d take turns making dinner. But I never had to ask permission to spend money, never had to be accountable to anyone but myself & God. When I finally met my husband and got married, I was able to enter our relationship debt free. Now, I know I can (although never want to!) survive without him.

Excellent post.

While I was in high school, I started working towards self sufficiency. I baby sat often. My first "job" was as a housekeeper for a lady who lived about 2 miles from my high school. I would walk or catch the bus to her house, and clean her house 2 afternoons/week. From the age of 16, I bought all of my own clothes or the material to sew them, and always had money in pocket for gas money when my boyfriend and I went out on a date. After we got married, we drove one car, so would take turns walking to work. My income went into the bank, we lived on his. Paid cash for our land and started building a house 2 years later.

Much of self sufficiency involves deferred gratitude, learning how to re-use, re-cycle, and become a Jane or Jack of all trades DIYer. Refinishing and upholstering furniture, home repairs including electrical, carpentry, and plumbing. Car repairs, building projects, sewing... and the list goes on and on.

 

[My3acrehomestead]

Deleted my post as obviously I should of researched before posting.

 

[lazy gardener]

@My3acrehomestead , I hope you did not feel like we were attacking you. I'm actually glad you pointed out the fact that Dave Ramsey has been at both ends of the debt spectrum. Thank you.