An appointment with my husband and Dave Ramsey

I made an appointment with my husband.

It’s in my iPhone, official style. 7 p.m. Wednesday.

There’s really no other way to do this.

Mark and I have been trying to figure out how to get our financial life in order for the last few months. We’ve made some adjustments and changes to the way we spend, but we need to get it in writing.

Hence, the appointment with Mark and Dave Ramsey.

Ramsey sez...

Ramsey sez…

In our living room, Mark just sarcastically clapped to a Dave Ramsey video.

OK, we like the guy. He makes sense. One thing that speaks to me is his disgust with our debt culture. In fact, we’d like to be a couple of the nerds who some day scream “We’re debt free!” on the radio. We need a better plan a plan to get there.

I figured out our weaknesses – namely, the total lack of a plan. Also, making teeny tiny purchases that add up a lot over the long haul. My workplace provided the financial guru’s online course to us for free. The timing was perfect. So, a few weeks back, I started to watch the videos about savings and debt and planning for retirement. Mark is catching up.

I’m suspicious of anyone who styles themselves as a guru of anything. However, Ramsey’s course costs nothing to me, so, it’ll do for now.

Ramsey stresses “baby steps” to financial freedom. The first is a $1,000 emergency fund. That one was painless. We just made a few adjustments in the way we spent our cash on non-necessities. Boom. A grand in the bank.

After the 1K is tucked away, he advises you do the debt snowball. You pay off one debt. Once its gone, you put what you were paying on that first debt and add it to what you were paying on the second debt, and so on.

Next is an emergency fund of 3 to 6 months income in savings.

At our meeting, Mark and I need to hash some things out.

Like, do we do the debt snowball and the fully-funded emergency fund at once? I think so. Having just a little in a savings account in the bank makes me nervous. We have a child with a chronic disease, people. A grand is not going to cut it.

Ya'll are cray cray

Ya’ll are cray cray

In the mean time, Mark and I started carrying cash for spending money. I gave us each $100 for the month in November. Yeah, that was gone in like two weeks for me. Then I committed several Starbucks violations.

So, I wasn’t perfect, but it did change the way I think about spending.

For instance, I got it in my head one day that I wanted new lipstick.

Normally, I would have just run out and gotten some damn lipstick.

But because watching my dwindling hundy just slip through my fingers really *hurt,* I thought about lipstick for a few days. And then I located all of the lipsticks I own. I have, like, 10. Dumb. I didn’t buy lipstick.

OK, another time, Mark wanted to go to a sports bar with his friend to watch the Bears.

I was like, yeah, OK, but go to the store and buy me a bottle of wine first with your spending money for the month.

I was 85-90 percent joking. And yet, this worked. Like a charm.

walk like a baby to financial freedom

walk like a baby to financial freedom


I was somewhat shocked he was willing to negotiate. The scenario would only be fair if I also put the kids to bed that night, he said.

Little did he know, I don’t mind putting our buddies to bed! Also, I like watching BBC dramas sans husband plus wine.

He was happy because he went to meet a friend to watch a football game.

Wait…we were both happy. We both got what we wanted….what the….?

Ah, marital bliss.

With some clever maneuvering, it can be achieved.

I attempt to write about money each Monday for a series called Monday morning money madness. Check back in! Has the Ramsey way worked for you? Do you have any issues with the program? Let me know!

3 thoughts on “An appointment with my husband and Dave Ramsey

  1. Dave Ramsey has worked for us! We were 2-incomes and I believe like you not in money trouble but the $5 and $20 here and there were adding up and we didn’t have much to show for our above average incomes. We paid off $47,000 ($38,000 student loan, $6k my vehicle, $4K husbands vehicle) in 7 months!!! We cut out ALL unnecessary spending and lived on a budget and sold our 3rd car to make it happen in such a short amount of time! Like you said above we had more than the $1000 for Baby Step 1, but we still cut our savings down from “comfortable” to make that fire under our rears a little hotter! LOL! We are now working on our mortgage, we are 3-5 years away from paying it off… meaning we will pay off a 30 year mortgage in 5-8 years total!!! Both my husband and I will be in our 30s at that time! I would say the plan works!!! :) Good luck with the difficult but so rewarding financial journey you have ahead! :)

    • Hey, thx for the feedback! I really like the emphasis on cutting out debt. That is inspiring! I don’t know that I’m the type to cut out all nice things. I like to travel! We like road trips but we tend to go to free state parks in the state! For us, a lovely trip would be something along the lines of a car trip to Florida, not an exotic vacay! Though one of those would be nice, too. :) How much of the comfy life stuff did you cut out? Pretty clothes? Fancy drinks? Lattes? Let me know, ’cause that is truly amazing!

      • We cut it all out for the 7 months. We did go to Vegas once, because it was already planned and paid for… now that we are just working on our mortgage, we are vacationing. But because the military sent us to the UK, so we have a once in a life time opportunity to travel Europe. But everything else that is “extra” we have cut out. We go out to eat maybe once a month… but we don’t really care for the food in the UK so its not much of a sacrifice. LOL. But most people are not as focused/intense as we are about getting out of debt. So if you want the “extras” then it will just take a little longer! :)

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