Jeff and I don't have a lot of debt compared to most. We don't have a house payment yet, our cars are paid off, and our parents scared us away from credit cards at a young age. However, my incredibly intelligent husband has achieved his Bachelor's and Master's degrees, but at a price.
**** The Almighty Student Loan ****
Everybody uses money, there's no way around it. But...do you work for your money or do you make our money WORK FOR YOU? It doesn't matter if you have $10 of debt or $250,000. You don't have to have debt. It's not a fact of life or even "The American Way". With a gentle nudge from my in-laws, for the last 1 1/2 months, we have been reading this book and listening to The Dave Ramsey Show on 570 KNRS (am radio).
I recommend this book to EVERYONE! Or at least listen to the radio or online. It is so simple, even a blonde cheerleader, raised on a farm, from Idaho can do it.
The thing that has helped us the most is the way we've done our budget. We know where EVERY SINGLE DOLLAR is going and we are accountable to each other. We've actually done it without one of us leaving to "cool down". Money and contention don't have to go together after all. After our pinky swear and spit handshake, I think we're in good shape. We love our family and friends and want to share some financial peace.
After reading this, I want to assure you that this is not a paid endorsement. We just finished our October budget and I'm a little pumped up. hehe