Back to School....Sort of

So.....

Rich & I have started attending Dave Ramsey's Financial Peace University. One class down and eight more to go. HE is loving it...its money and budgeting and saving money. Me? What? What the heck are these envelope for???

Just kidding.

We always say the words "we really need to start saving better for our retirement". Heck...we are 20 years away since the retirement age moved to 67-70. The leanest years are behind us - the years of raising kids...putting ourselves in debt to do it...and then using the 'empty nest' years to dig ourselves out. To be honest ~ Rich's deployment finally got us into the the 'green' (except for the mortgage). Now what?? It got us there but how do we stay there? What do we do now?

We did the 'dirty' and sat down for 3 hours ( YES, 3 HOURS) Sunday after church and broke out our bank accounts. We have kept separate bank accounts for 14.99% of our 15 years of marriage - we realized early own that we cannot share a bank account!! We were both appalled at what we have spent in a 3 month time frame on frivolous spending, eating out (lunches and occasional dinners), and those quick "I need to pick up milk" trips to Publix that end up costing $50! Heck, I spent $2 less in eating out than I did for gasoline! Envelope Please!

Geesh! So, we are DOING THIS! Really. And Rich the spreadsheet King, Contract Officer for the Alabama National Guard, Program Manager for XXXXX Network Technologies and Hawkeye of the bank account could not be more excited! I think he only played hard to get when I first mentioned it just to test my sincerity. (I signed us up AND paid for it out of MY ACCOUNT - Oh Snap)! After the torturous three hours, we finally took a good hard look...saw the light and he secretly is praying that my ways will be changed!  I am my Mother's daughter, after all ~ Evie may just need that cute little pair of sequined tennis shoes in red! Now.....There's an envelope for that!

Looks like lots of PB&J for lunches!

Class two tomorrow night!

Peace!