Thank you Mr. Ramsey

So this post I would say is about ten months in the making. Jose and I are like most semi newly married couples and we have debt. Things that we both brought into the relationship and since hind sight is 20/20 wish we could go back, do over, and make smarter financial decisions. Cue in Dave Ramsey's Total Money Makeover.  I picked up this book as well as Financial Peace University from our library when we were about a year and a half into our marriage. We had begun, as most couples do, disagreeing about how money should be spent/saved. In our case we were both in school and had only one full time income, so at first this task seemed impossible. I would love to say that at this point we buckled down and started our Total Money Makeover, if we would have this post would have been much sooner. Instead we deemed the task too daunting and continued spending money and some months barely scraping by.

Fast forward six months and I bought Total Money Makeover this time and reread it. I also insisted that Jose read it as well. This time he jumped on board with a vengeance and I did too. Just to see him that excited about planning for our financial future was amazing and inspiring. We set out a plan to have his vehicle paid for in as little time as possible. (At this point we owed around 15,000 on it.) Well that was last August and today I wrote the check that will completely pay off that vehicle. I'll be honest here and say that we had some rough patches where we rebelled against "the Plan" and that is why it has taken us until now to pay off his vehicle. It is just amazing to see how when two people finally get on the same page financially what can be accomplished. 

We have gotten a little off track lately with our spending/ budgeting habits but we are trying to get back to it. We have seen what we can accomplish and could not dream of going back to the way it was. 

Anyone read any of Dave's books? Have you put them into action? If not why? I would love to hear from you guys and I hope if you have been considering putting Dave's plan into action then this post inspires you to get on it with "gazelle intensity".