Comments on: Five Lessons Learned From FPU 2009 http://www.debtkid.com/five-lessons-learned-from-fpu-2009 Debt: Getting Out ain't Easy | DebtKid.com Fri, 30 Jul 2010 01:01:17 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: James M http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-24289 James M Sun, 28 Feb 2010 16:02:21 +0000 http://www.debtkid.com/?p=10872#comment-24289 You either live like rich people. Or you can live like poor people. Its up to you. I will go with Ramseys advice and do what rich people do. Smart man. You either live like rich people. Or you can live like poor people. Its up to you.

I will go with Ramseys advice and do what rich people do. Smart man.

]]> By: Jessica W http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23235 Jessica W Tue, 12 Jan 2010 03:31:15 +0000 http://www.debtkid.com/?p=10872#comment-23235 Mint is outstanding isn't it? I like it because I'm not a huge fan of spreadsheets. The Spreadsheet people who want to fiddle with all their data might want to look at GreenSherpa. Both are excellent! If you're having trouble sticking to your budget, go to cash only. Get your weekly alotted amounts (30 for gas, 80 for groceries, etc whatever is in your budget) and don't spend a dime more. Leave the debit card at home and throw a $10 bill in your glove box in case you worry about running out of gas. :) You can do it! :) (if you need to, leave a bit extra for a "kept my budget reward" at the end of the month... on the 30th if you're in your budget, take yourself out for dinner, or buy yourself some slippers or something--a little pat on the back to yourself for a job well done. :) Mint is outstanding isn’t it? I like it because I’m not a huge fan of spreadsheets. The Spreadsheet people who want to fiddle with all their data might want to look at GreenSherpa. Both are excellent!

If you’re having trouble sticking to your budget, go to cash only. Get your weekly alotted amounts (30 for gas, 80 for groceries, etc whatever is in your budget) and don’t spend a dime more. Leave the debit card at home and throw a $10 bill in your glove box in case you worry about running out of gas. :) You can do it! :) (if you need to, leave a bit extra for a “kept my budget reward” at the end of the month… on the 30th if you’re in your budget, take yourself out for dinner, or buy yourself some slippers or something–a little pat on the back to yourself for a job well done. :)

]]> By: Katy http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23231 Katy Tue, 12 Jan 2010 02:11:36 +0000 http://www.debtkid.com/?p=10872#comment-23231 It's awesome to see that others have gotten so much from Financial Peace University, just as my husband and I have! We took it last April (the 13 week course), and it really turned our life around. We were just married, and started heading down the wrong path with credit cards thinking we needed everything new, and right then. Since then, we've paid off a bunch of debt, have a nice little emergency fund, and are working to save up and pay debt so that I can stay home when we start a family. More people out there need to take this class!! It’s awesome to see that others have gotten so much from Financial Peace University, just as my husband and I have! We took it last April (the 13 week course), and it really turned our life around. We were just married, and started heading down the wrong path with credit cards thinking we needed everything new, and right then. Since then, we’ve paid off a bunch of debt, have a nice little emergency fund, and are working to save up and pay debt so that I can stay home when we start a family. More people out there need to take this class!!

]]> By: Justin http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23228 Justin Mon, 11 Jan 2010 23:29:46 +0000 http://www.debtkid.com/?p=10872#comment-23228 Isn't it odd that we need to be TAUGHT the coffee lesson? I, too, didn't realize until it was pointed out to me that I was spending $20 a week (that's just on plain black coffee) that could easily be saved by toughing up and drinking the terrible (but free!) coffee at work. Once that occurred to me, the burned, over-strong, brand-x coffee never tasted so good. Nice article. Before I finally picked up one of his books, I always thought Ramsey seemed like just another annoying guru, but these lessons are a good example of why I should've given him a chance earlier...like, say, before I went into debt. Isn’t it odd that we need to be TAUGHT the coffee lesson? I, too, didn’t realize until it was pointed out to me that I was spending $20 a week (that’s just on plain black coffee) that could easily be saved by toughing up and drinking the terrible (but free!) coffee at work. Once that occurred to me, the burned, over-strong, brand-x coffee never tasted so good.

Nice article. Before I finally picked up one of his books, I always thought Ramsey seemed like just another annoying guru, but these lessons are a good example of why I should’ve given him a chance earlier…like, say, before I went into debt.

]]> By: Joseph Mwangi http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23226 Joseph Mwangi Mon, 11 Jan 2010 21:38:00 +0000 http://www.debtkid.com/?p=10872#comment-23226 I participated in FPU series and a agree with you. Th compound interest thing is the one that drills the nail down the throat. I wish most people especially young can understand this concept. Joseph I participated in FPU series and a agree with you. Th compound interest thing is the one that drills the nail down the throat. I wish most people especially young can understand this concept.
Joseph

]]> By: PennyStock http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23222 PennyStock Mon, 11 Jan 2010 17:36:00 +0000 http://www.debtkid.com/?p=10872#comment-23222 Agree on the written budget, having figures in your head makes them easy to change. I've purchased a cappucino machine, saved me the cost of starbucks in less than a month. Agree on the written budget, having figures in your head makes them easy to change. I’ve purchased a cappucino machine, saved me the cost of starbucks in less than a month.

]]> By: KateMTP http://www.debtkid.com/five-lessons-learned-from-fpu-2009/comment-page-1#comment-23220 KateMTP Mon, 11 Jan 2010 17:02:38 +0000 http://www.debtkid.com/?p=10872#comment-23220 I finally stopped my daily runs to Starbucks when I noticed how much I spending there (thank you Mint.com). I still will treat myself on a rare occasion and it makes it that much better. Unfortunately, I am also too lazy to brew my own coffee at home so I generally wait to drink any until I hit the office. As for the budget, I need to be better at not only creating one that works for my situation, but sticking to it. Thanks for sharing! I finally stopped my daily runs to Starbucks when I noticed how much I spending there (thank you Mint.com). I still will treat myself on a rare occasion and it makes it that much better. Unfortunately, I am also too lazy to brew my own coffee at home so I generally wait to drink any until I hit the office.

As for the budget, I need to be better at not only creating one that works for my situation, but sticking to it.

Thanks for sharing!

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