Quitter by Jon Acuff

Sample Quitter

Recently I read Quitter by Jon Acuff. As the subtitle suggests, Quitter is about helping you to jump from your day job to your dream job without killing your dream and your current funding in one fell swoop!

I admit that I first picked this book up not because I was interested in quitting my day job but because I had heard it so highly endorsed by Dave Ramsey. However, as I began to read Jon's personal story and his guidelines for making the transition between your day job and your dream job as smooth as possible I got hooked! Jon uses his own personal stories and experiences as a blogger turned writer and speaker to enliven his book and to breathe life and humor into what he is trying to tell you. But the core of the principle can be applied to any field or dream.

The part of the book that really had the greatest impact on me was when he said NOT to quit your day job. I know it's a shocker that the author of the book Quitter would write a chapter about NOT quitting your current job but it's true. I had never really considered that my day job could actually help my dream grow, but now I think that it totally can. You'll have to read the book to find out how Jon convinced me but believe me it's in there.

I highly recommend Quitter to anyone who has always had a bigger dream for their life than what they are currently living. Quitter will teach you practical steps to help make your dream become a reality.

One Step Closer to Financial Freedom

Today Jimmy and I are celebrating being one step closer to financial freedom! It was such an amazing feeling to make that final payment on one of our loans and to watch it disappear from our debt snowball list. I can honestly say that we would never have paid this debt off early if it hadn't been for Dave Ramsey and Financial Peace University (FPU)!

I don't know about you but we we started living by the principles we learned in FPU five years ago this month. When we first started I honestly thought that budgeting would be too hard and it wouldn't work. I was wrong! Yes, there are times where we have done better at living by our budget than others and there are times that we have struggled because Jimmy is a spender and I am a saver and we have had different financial priorities. HOWEVER, we are ten million times better than we were five years ago.

For once I think that there is actually hope that we will eventually be debt free despite the huge amount of debt from Jimmy's school loans. I would listen to other Dave Ramsey fans tell their get out of debt stories and I would be happy for them but I would wonder why we are only about halfway to paying off our debt after five years and they paid there's off in two. This week I think that I figured it out--finally! Everyone is different! Duh! It really seems like a no brainer but it is true!

I can't let myself get discouraged and overwhelmed because they did it faster. They may not have had all the life set backs that we have and I definitely don't have the six figure income that a lot of the Dave Ramsey Channel on iHeart Radio callers have. It's no wonder that I can't compare their results to mine when we have made less than $35,000 for most of five years that we have been following Uncle Dave's program. We just have to be faithful to follow the principle set forth in the scripture and taught by Uncle Dave and we will eventually get there.

If you are looking for financial freedom you too can find it. It may take a while but it sure feels good when the little victories like paying off a loan comes down your pipe. You can do it and Dave Ramsey can help. For more information about Dave Ramsey and Financial Peace University you can Find Dave on Facebook or visit Visit Daveramsey.com.

"The rich rule over the poor, and the borrower is slave to the lender." Proverbs 22:7

Living the Dream

Have you ever felt that you were meant for something more? Are you satisfied with where you are in life with your family, job, or career? I don't know about you but I have wondered if I will ever find my dream job.

Friday, I received my copy of Dave Ramsey's e-newsletter in my email inbox. I don't know if you are familiar with Dave Ramsey or not but around our house we affectionately call him "Uncle Dave". Anyway... I was caught by one of the first headings this month called This Way to Your Dream Job. Now stop right there for a minute. It's not that I hate what I do. I just dream of so much more than being an Administrative Assistant.

Meanwhile back at the ranch...The article is based on the book Quitters by Jon Acuff. As the article puts it, Acuff says

I think finding your dream job or what Sinek calls your “WHY” is more than a revelation or an act of discovery. I believe it’s a process of recovery.


More often than not, finding out what you love doing most is about recovering an old love or an inescapable truth that has been silenced for years, even decades. When you come to your dream job, your thing, it is rarely a first encounter. It’s usually a reunion. So instead of setting out to discover this thing you love doing, you’ve got to change your thinking and set out to recover it, maybe even rescue it.

This really ressonated with me today. It got me to thinking about the art classes that I have been taking at Saint Louis Community College and about the things I used to say like "I don't think that I would be good at being stuck behind a desk all day" or "I don't like talking on the phone" and I realized that I think God has something more for me.

I have felt God's call on my life to be in full-time ministry since I was in sixth or seventh grade. I know that God is calling me to use the gifts and talents and passions he has given me to serve Him. Now I just need to re-discover that calling in my life, and it's scary! Maybe His calling is SO much more for me than being an Administrative Assistant at the Missouri Baptist Children's Home. Yes, that's missions and ministry, but is that the ministry God has design for me. I guess we will just have to pray and see!

"'For I know the plans I have for you,' declares the LORD, 'plans to prosper you and not to harm you, plans to give you hope and a future. Then you will call on me and come and pray to me, and I will listen to you. You will seek me and find me when you seek me with all your heart.'" Jeremiah 29:11-13 NIV

Buy Quitter by Jon Acuff

How Dave Ramsey & Financial Peace University Changed My LIfe

I don't know about you but I was 22 years old when I got married. I wasn't always one for thinking ahead. I had worked several jobs through my college life and I was holding down a job at the time. I was also in very little debt and had the blissful feeling right before entering repayment on my student loans. I thought I had everything under control when it came to money....dunt dunt duh....then I got married.


Not only does getting married change who you are as a person, it changes every other part of your life! I married the man of my dreams but it was more than that. I married into his family. I married into his ministry. I married into his money (or lack there of -- which was more like it). I also married into his debt.

Now Jimmy and I are a unique case. For personal reasons that I won't get into here, Jimmy has a lot of unresolved debt due to theft of his identity as a small child and mounting student loans. Thankfully, he told me about all this before we got married or we could have had WAY more financial problems than we did. As it was, we only had so much income and no plan to make it work, but we had credit cards!

We used our credit cards for a few little extras on our honeymoon and then we paid some of it off. We thought we were fine. Then Jimmy was told he only had four months left of his job and we began to panic. We scrimped and we saved and we put away birthday money and Christmas money. No fun for us that year. By the time the deadline rolled around we had $2000 in savings. I still had a job and I took on another and another. We thought we would be okay, but five months later our savings were gone, our credit cards were almost maxed out, I was working three jobs, Jimmy was still searching, and we still had no plan. It was stressful and frightening! Not to mention all the stress it can put on a new marriage! But we were not alone.

According to USA Today money is one of the top 3 marriage stressers out there. So what are you going to do about it?

In July, I was let go from one of my photography jobs and as a last resort applied to a job as a night monitor at the Missouri Baptist Children's Home. It's not what I wanted and if I got it we would have to leave our wonderful apartment in South County to move to a considerably less desireable (but more affordable) apartment in North County but I had no other hope. I got the job.

In August, we moved to Bridgeton and I started work. While I was in training I learned about Dave Ramsey and Financial Peace University (FPU). God knew what he was doing when He brought me to the Children's Home and put me in Amy's (a die hard Dave fan) training class. As it turned out, Amy taught the FPU class at Ridgecrest Baptist Church. By the end of training, I was desperate to find out more about this class and I knew exactly who to go to.

When class started in September, I had a new job and so did Jimmy. We were prepared to hope that our situation could be different if we were ready to make drastic changes. We eagerly sucked up all the facts and techniques that Dave was willing to teach us and began trying to put them into practice. It was really hard at first and we were frustrated, but we knew where we would be if we quit. By the end of FPU, we had completed Baby Step #1: Put $1000 into an Emergency Fund and had begun Baby Step #2: Pay off Debt Using the Debt Snowball Method. Here we are a little over 3 years later and our life is so different!

Yes, we are still on Baby Step #2 but we have paid off more than $7,000 worth in debt with our limited incomes (guess what ministry doesn't pay much and we both have ministry jobs!). We also live by a budget that we actually know how to make work! We fight less about money (unless someone is just having a greedy or selfish moment). But best of all we have HOPE for the future. Yes, at times things still seem overwhleming, but we have a plan. I know that if we stay the course or do better than planned then we will be debt free (except student loans) in September of 2013. That means that just 6 years from starting we will have paid off more than $75,000 in debt with interest probably closer to $100,000. I think that's pretty remarkable.

I thank God for showing us how to find financial freedom. I thank God for Amy who God used to show us the way. I thank God for Dave Ramsey who God used to give us the tools, and I thank God for my husband, Jimmy, who has been with me all the way.

To find out how Financial Peace University can change your life, visit daveramsey.com or find a class near you!

this blog is dedicated to Shaina Rubin, Dustin Underwood, Shelby Conn, Kevin Little, and all people getting ready to start a new life together. may you get your marriages started off with the strong foundation and tools you need to make life easier and to help your marriages thrive.

Dumping Debt

This week Jimmy and I celebrated paying off another debt! It was so exciting to realize the relief and freedom that came when that financial burden was lifted. Although we got into debt quickly (due to a long period of unemployment and other issues), we realize that it will be a long process to work our way out. In the two years that we have been living by our financial plans and trying to become debt free, we have paid off 4 different credit accounts! Praise the Lord. Yes, we still have many more to go but we have a plan and we have a God that is good who will help us stick to it.

Money Facts

1 in 20 American families carry more than $8,000 in credit card debt. Read More
1.41 Million Americans declared bankruptcy in 2009 Read More
43% of Americans have less than $10,000 saved for Retirement Read More

Sadly, many people that are in debt have no idea how to get out of it.

How to Get Out of Debt

1. Make a Budget
2. Learn to Live by Your Budget
3. STOP using your Credit Cards and/or Borrowing Money
4. Make a Plan for Paying Back what you Owe

Our Debt Snowball

As I have said before, Jimmy and I follow the skills and tactics we learned from Dave Ramsey’s Financial Peace University. This is where we first learned how to make a real budget that would actually work for us. Plus, Dave gave us some strategies to use to get out of debt. Dave calls this the “Debt Snowball”.

Read Dave Ramsey’s article “Get Out of Debt with the Debt Snowball Plan”

Here are the highlights for all of you that don’t have the time or the gumption to read the full article.

1. Make a List of ALL your Debts from smallest to largest
2. Start with the smallest debt you owe and pay as much as you possibly can every month on this debt while paying the minimum payments on the rest
          a. This will allow you to pay this debt off quickly
          b. It will help you to feel good about the victory of getting it paid off
          c. The feel good feeling will help you to stick with the plan
3. When you have paid off the first debt, add all the money you were sending to the debt you have now paid off to the minimum payment from the next smallest debt and continue as before.
4. Repeat Step 3 until all debts are paid off.

My 2¢

The hardest part of paying off debt is sticking to the plan. You WILL be tempted to use your credit cards (that’s why Dave suggests closing all your credit accounts). You will be tempted to spend the money you free up from paying off the first debt on something other than paying off the second debt. You will have setbacks once in a while. Don’t give up. This is not a task for the faint at heart! It will take a while to have total financial freedom, BUT it is POSSIBLE! Praise the Lord!

Best wishes to all of you who embark on your journey to become debt free. You can do it!

CLICK HERE to read some Get Out of Debt Success Stories

Managing Money Madness Pt 2: Living by Your Budget

On Wednesday we talked about making a budget and having a plan. Before you read this article you should have read “Managing Money Madness Pt 1: Budgeting” and worked with your spouse to construct your budget. Now I am going to talk to you about a practical plan for putting your budget into action. Dave calls this the Allocated Spending Plan, A.S.P. for short. Jimmy and I would never be able to live by our budget if we didn’t also have an A.S.P.

What is an A.S.P. ?
You’re A.S.P. is “playbook” for each pay check. A.S.P.s can be a little complicated and overwhelming when you are first starting out, but they can be one of your biggest tools. Every month after Jimmy and I have nailed down our budget, I sit down with the Excel worksheet I created (I like Excel because I type in the numbers and it will add them all up for me—that makes me happy) and I work out our A.S.P. so I will know how much we have available in each budget category for each of our paychecks.

Making Your A.S.P.
First things first, get out your budget and keep it handy. It will be your ready reference guide while you are working on your A.S.P. as you will need to check the totals for each category as you go along. Here is a link to Dave Ramsey’s A.S.P. forms. To download a copy of my Excel ASP form, CLICK HERE.
Since I am most familiar with my own form, I will give you instructions for either making your own from scratch or using mine.


Step One: In the first column write in all the categories from your budget.

Feel free to be specific. Also be aware that some categories may not be used some months, but that doesn’t mean that you have to delete them. Once you have double checked that you have all the categories you will need, move ahead.

Step Two: Create a column for each paycheck you and your spouse receive in a single month.
For Jimmy and I this means we will either have 6 or 7 columns a month (Jimmy gets paid weekly so some months he will have five paychecks and I get paid on the 15th and the 30th). Just a note, it works best for us if we count my paycheck from the 30th of the previous month as the first paycheck for this month. Do whatever works for you, but make sure you are consistent.

Step Three: Write the amount of each paycheck under its corresponding pay date.








Step Four: Determine what will be paid from each check.
This is the hardest part when you are first starting out. A couple of things to keep in mind are: #1 you need to make sure that you have designated the money to pay bills BEFORE the bills are actually due (after all the check needs to clear the bank before you can spend it) and #2 some categories may need to be divided among different paychecks. TIP: Start with your necessities (rent, food, gas, tithe, etc.) and then fit the other amounts in where you can.



Step Five: Double and Triple check that your paycheck and expenses in each column are equal.
You can’t spend more in a week than you make and expect for your budgeting to succeed. So this step is very important. Trust me it might leave you with some pretty funny numbers but it will all work out in the end. If you do have more expenses than you have paycheck for that week then try moving things around to equal things out.

Step Six: Make sure that your budget totals and the row totals for the corresponding category match. Example, if I have $255 dollars budgeted for my tithe then my total for the charitable row should equal $255. If your totals do not equal, go back and correct any errors then repeat steps 4 and 5.

CONGRATULATIONS! You have successfully finished your first A.S.P. !

What Do I Do Now?
Now that you have finished your budget and you’re A.S.P. you are ready to put your plan into action. When your first paycheck rolls around, pull out you’re A.S.P. and see what needs to be paid this week, what needs to be saved this week, etc. Different people have different methods of doing this. Dave Ramsey and I advocate using cash and the envelope system. To learn more about the envelope system, CLICK HERE. Once you know how much you are supposed to spend and what you are supposed to be spending it on, you can do it!

Closing Remarks
Remember this is going to take a little while to get used to and it won’t be perfect the first month. Make notes of things that you need to change so you will remember to make adjustments when you sit down to work on your budget and A.S.P. for next month. Most of all just do the best you can to stick to the plan. Lifestyle changes take lots of time and effort. The important thing is that you are trying.

Additional Resources
To download a copy of my Excel Budget form, CLICK HERE.

Managing Money Madness Pt 1: Budgeting

Yesterday we talked about Money Madness and how it all begins by losing perspective on the role money should play in your life and your marriage. Over the next couple of days (or however long), I want to provide you with some tools to help keep your perspectives in their proper place and to help you manage the money madness.

Tool Number One: Budgeting

Many of us have heard about budgeting and that it's important, but if you're like me I never actually knew how to set up a budget that works until a little over two years ago. Having a plan in place has tremendously reduced the money stress for Jimmy and I. It's not that we make more; it's just that we are better stewards of the money God has given us because we now have a plan in place to help us accomplish our goals.

What is Budgeting?

According to Dictionary.com these are just some of the definitions of the word "Budget".
Budget –noun

1.	an estimate, often itemized, of expected income and expense for a given period in the future.

2.	a plan of operations based on such an estimate.

3.	an itemized allotment of funds, time, etc., for a given period.

4.

the total sum of money set aside or needed for a purpose: the construction budget.

In Christiana terms, a budget is my plan for what to do with my money this month. Now that we have talked about what a budget is, we can talk about how to make a budget.

Making a Simple Budget

One of the things that helped Jimmy and I to get our finances on track was taking one of Dave Ramsey's Financial Peace University (FPU) classes. The course covers all the basics of budgeting, getting out of debt, planning for the future, investing, and more. It was a very useful class so I want to pause a moment and give you some links to more information about FPU and Dave Ramsey. If you want to know more about Dave Ramsey, click here. If you would like more information about an FPU class in your area, click here. Part of the reason I wanted to give you these links is because Dave has really helped us and part of it is because I want to refer you to Dave's simple budgeting forms to help you make your own plan.

Step One: Figure out How Much You Make Each Month

Add up all income sources for you and your spouse to get the total amount of income you will have for the month. I know that this is trickier for some because you are not salaried or you might work on commission. If you are in these situations, I would base your total income off an average of your income for the last few months. This might take a little research on your part but you can do it!

Step Two: List all Your Bills and Expenses for the Month

The first part is easy. Most of us know which bills we have to pay every month and about how much they are going to cost. So write them all out (I would also make a note of when payment is due--we will use this later). Now that you have listed rent/house payment, car payments, cell phones, internet, cable, credit card payments, school loan payments, etc. It's time to work on the expenses. This is a little tricky and may take some estimating. Do the best you can in estimating how much you spend on clothing, hair cuts, toiletries, medications, gas, food, etc. Don't worry you will probably change this later anyway, so just give your best estimate for now.

Step Three: Make Your Budget

Now this is the truly hard part. It's not that the dividing of funds is hard. It's seeing just how out of whack our finances can be that is hard. CLICK HERE for Dave's downloadable budget forms. They are easy to use and they can help you to think of areas you might have missed.

A COUPLE OF NOTES

*Your budget WILL NOT be perfect the first time! Dave estimates that it takes 3 to 4 months for you to get most of the bugs worked out of your budget.
*Your budget MOST LIKELY will change each month although some items will remain the same.
*The key to a successful budget it to PLAN AHEAD. You might not need to have any car repairs done this month, but if you plan ahead and budget $20 a month for car repairs that you save until you do need them then when your car breaks down and costs $400 to fix it won't be nearly as stressful because you have been saving money toward such an event.

Now back to making your budget. The best option is to make what is called a zero based budget. This means that you plan for ALL money you make with a remainder of $0 unplanned. This means that you will even plan how much spending money you and your spouse will get to do whatever you want with it. I suggest that you start filling in the form by writing in your necessities housing, food, transportation, etc. Then work on your other priorities such as bills. Finally, use the remainder for savings, spending, etc. NOTE: DON'T FORGET TO TITHE! I personally believe that this should be #1. Jimmy and I have found that when we commit to giving God His money first, we will always have enough to pay for our necessities even if we don't always know where the money is going to come from.

Give It a Go!

So take some time and have a "budget meeting" with your spouse. Do your best to estimate your income and expenses. If you need helps or have comments/questions, feel free to come back and post or you can look for answers on Dave Ramsey's Website. Happy budgeting!