Mom: So how was meeting last night? Did you cry?
Me: Yep.
This how we have resorted to talking about it. Like it is therapy.
This week was about credit....cards, bureaus, scores and collections.
Needless to say, Ramsey is not a fan.
Don't buy a car on credit......save and pay.
Don't lease your car (which has honestly been tossed around in my mind).....not smart.
Quit worrying about your credit score.... you are going to stop buying on credit anyway.
Not that you do anything to damage it, but it can no longer be held over you - don't give it the power. Yes, be honorable and pay your bills - however slow or fast you can. No, you are not a punching bag. You have responsibilities. You also have rights. Make yourself aware of both. Hiding from your responsibilities won't help anything. Knowing your rights helps you handle them better.
Check your credit report.
Know collections laws.
Do not get emotional with them.
Stay calm. Let your anger be directed at getting out of debt and on firm financial ground. It is a slow climb out of that hole. One that will take determination and grit. I will pass on the Rooster Cogburn joke here. With Christ, it can be accomplished.
We have next week off, for which I am grateful.It will give me time to get fully back on the bandwagon. I want to strongly encourage you to check out FPU, money troubles or not. I promise it is worth the investment.
You can choose to stop the downward spiral.
You can choose which Master you will serve.
You can choose.
5 comments:
Keep up the good work! It's hard but sooo worth it. We aren't to the point we want to be (or close to it) but the baby steps are encouraging. Paying for things with cash is encouraging. I love our little envelopes. We do the envelope system with our kids also (and I must say that a lot of the money principals we apply come from your parents!) and they do very well with it.
Did you hear our mutual friend had a beautiful baby girl? She was early but holding her own. She is beautiful! Pray for her and her family if you're not already!
Enough comments from me...man!
The hardest part has been dealing with the emotions of the lack of discipline. It crosses over into so many areas. Yet, I press on:) The kids are not liking mommy having a price range, but they are starting to see the value of a dollar. Slow and steady!
oh man - to pass this stuff on to our kids so they don't walk down the roads we did - now that is a blessing!
So proud of you! It is hard in the begining and there will be hard "spots" along the way....but keep up the good work and remind yourself that you are blessed beyond all measure....thats what got me thru it.....we have all we need if we keep our eyes on HIM....and in te long run our children will learn an incredible lesson....the true value of a dollar and that they are the lucky ones!
Love you friend and I know you can do this! call me if you need any help!
Melanie
Thanks Bec and Melanie!
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