I am proud to say I am in a different place than I was this time last year. Last year I just started a new job, working less hours, I had two car payments, a mortgage, and a little credit card debit. Around this time, my Sister In law gave me book to read… Dave Ramsey’s Total Money Makeover. This book is amazing… I can not tell you enough, this book is amazing.

If you have debit, little or a lot, even if you don’t have any debt… You need to read this book. It will tell you how to get out of debit and more importantly how you should be saving your money… It will give you tips on how you can achieve a savings goal of a 3-6 month emergency savings, make sure you have 401k, college savings etc… Another perk I was not expecting… Dave ties money and faith together very nicely.

So a year later, we have no debt (except for my mortgage), we refinanced, we have no car payments, and we do not need a credit card… Debt Free… It is a wonderful feeling…

Give it a try…. Tell me what you think!