12 Days of Christmas: A Sharing Sesh // Day 3

Today is the day! It is THE day! After four years, our calendars are marked, we have accepted the invitation, and we are ready. to. go. As I wrote about before, four years ago Kris and I set out on a journey to figure out our personal finances. We had no prior understanding of budgeting or debt or anything in regard to money.

Though several friends suggested we take some plan of action for our finances before getting married, it never caught on. It never stuck. And by that, I mean we weren't interested in hearing about money--it sounded boring and not "for us." At least not until that January of 2013; not until desperation began to take over and we had no choice but to do SOMETHING--ANYTHING to get our finances in order. Once we had no money, no career, and nearly $100K in student loan debt, we knew something had to happen.

What happened next was one of those experiences I wish more of my life looked like. It was one I think could be compared to a marathon instead of a sprint...not that I would know, but it was one I can look back on and see that we didn't simply recognize a problem, but we took the hard, difficult, and necessary measures to change them.

So often in life, recognizing our issues isn’t the difficult part—at least not if we’re being honest. The difficult part is figuring out what needs to be done in order to change our path, to redirect our steps. And we actually did, my friends. We actually changed our outcome. I hope that as time goes on, this part of our history is something we can pass down to our children and their children. I hope this isn’t an aspect of our lives soon forgotten because this wasn't easy and because it's an experience worth passing along.

I’m not going to get into all the details of the hows, the whys, and the mistakes because I’ve shared that with you already, but I am going to share the tools with you in hopes that it will continue to inspire others to make the necessary changes. I'm going to start by saying that money and personal finances and budgeting and debt and workbooks and courses all sound like an awful combination of words that make me want to fall asleep just thinking about it. But please trust me when I say that Financial Peace University can truly be a tool that changes your life. No, I'm not getting paid for this in any way; I'm just a really happy student whose life and family were changed because of this material.

There are classes you can attend, which honestly may be ideal as far as having others to go through this process with, but that’s not how it looked for Kris and I. I honestly do not remember the conversation or the final push that made us decide to go through the FPU material, but I do remember it was on sale. I also remember being sorely disappointed when I thought I’d ordered DVDs, but in fact ordered CDs—uh….what? 13 sessions (now 9) of teaching on personal financial over CD. . .?

I mean, it already sounded fun, but man…now we’re really in for a treat.

But guys, it actually worked. For one, Dave Ramsey is hilarious. He’s engaging and he speaks from and to the heart. He shares his own past and struggles with finances and he gives so much detail and encouragement that he really just kind of pumps you up, even over CD-Rom.

Anyhow, there we were 13 CDs and a workbook (a workbook of which I bought used on Amazon because we were so broke) at our fingertips. Quick survey, does anyone still own a CD player? We sure as heck did not. What to do now?

Fortunately, we had a road trip planned. NJ>Niagara Falls>Grand Rapids>Columbus>NJ.

We’re pretty roundabout people, as you can see from a map, but we made the best of our long, snowy drive that January of 2013. We listened; we wrote. Most importantly though, we learned to talk about money and how to get on the same page with one another in regard to our finances.

Four years later, we’ve hit our goal. Today is the day. The final payment is headed to Great Lakes this very day.

I hope you can hear this, friend. If you’re struggling at all with your finances or you simply want to get to the next level, take the time to take FPU. It’s worth it. It’s nothing more than a tool, but it’s a really great tool that helps people find financial freedom.

I think the idea that really sums up the material for me is that Kris and I stopped being controlled by our money, and we took control of it. And by that, I don’t mean either of us spent uncontrollably or had major money issues. But, in truth, we just didn’t know where it was going. We didn’t know how much we made or had or how much we spent on food or gas or electric bills. We learned to be the ones to make those decisions before they just happened.

Have you taken the course? How did it help your family? Have you thought about it and not gotten around to it? Where are you in your financial journey?

Merry Christmas, and have a Financially Freeing 2017!!