My fire in my belly is not my rubber chicken lunch I just returned from. Although my diet is part of my Fire in the Belly mindset these days. My Fire in the Belly is Dave Ramsey. Yes, I’ve heard of him for years and yes, I listened to his radio show rarely, but I never really dug into his message. Now I have and oh, man, he has lit a fire in me.
As part of my getting my shit together, I was watching a FB discussion in one of my groups about how to get your financial shit together. Two notable suggestions were You Need a Budget (YNAB) and Dave Ramsey.
I just finished reading Dave’s Total Money Makeover (thank you, public library) and now I’m incessantly listening to his podcast (which is simply a re-play of his radio show) every moment I’m in the car (which is a lot lately). I bought Financial Peace at my Goodwill bookstore and am about to dig into that one.
I get his Baby Steps, I love the concept and I believe. I believe that life can be so much simpler if I live below my means, have zero debt and build up my savings and investment portfolio. He gives me hope that I’m not going to be on this damn hamster wheel of debt and money worries until the day I die.
Now I need to block out some time to work on my numbers. Figure out exactly what I’m spending, what am I earning, how much debt do I truly have (gulp), what assets do I have that I can see immediately (good-bye ugly jewelry) and more. I’m excited about the plan, much like I’m excited about my Big Hairy Project (weight loss plan).
Not only do I think I can do this, I think I can do this quickly. I just need to lay the groundwork by gathering all the info. That’s going to be my weekend agenda. Plus I need to make sure that I get the Hunter on board. To that end, a Dave follower told a great story about how he got his wife on board: he bought the audio book and asked her to listen to it with him. They would do a chapter, stop discuss, then move forward. This guy sold his truck and gun collection to get them out of debt — I need to bookmark that episode for the Hunter (LOL).
But I have realized that I cannot do this alone. I have a partner regardless of marital status. He needs to be an active participant of the plan. I need to communicate with him not only my goals and desires, but I need to listen to his. Really listen and that’s a big step for me because lately, I must admit, I haven’t been a good listener. That’s something else I should write about….
For now, let me go make some money so I can put my emergency fund together….