Financial Peace

I’m going through Financial Peace University. For those of you that don’t know it’s a course created by Dave Ramsey. I’ve been listening to him on Youtube for quite some time and trying unsuccessfully to follow the financial principles he suggest. In theory it’s simple but as he often says, “it’s not a money problem but a mindset problem.” I’m a spender but with a young child at home and with my mind on the future I know I have to get my finances in order.

Financial Peace, feels more like financial hell. 

So far I’ve completed week one of a nine week course and I feel extremely overwhelmed. I knew I was ready to get out of debt but I didn’t think it would feel quite like this. When I look at my student loan it feels heavy, almost unbearably so. I’ve dealt with them thus far by just setting up an automatic payment and not looking at them. When I look at them I get a little lump in my throat and an uneasy feeling in my stomach. I feel caught between having too much, yet never having enough.

The pressure being financially irresponsible has created leaves me feeling physically and mentally exhausted.

I’ve got some credit card debt that I don’t think is that much. My accountability partner would disagree. My partner and I had to have a budget meeting and talk about the amount of debt I have. Let’s just say that we don’t have the same type of debt or look at money the same way so things got a little spicy! Like spicy spicy 🥵 tears and all!

I didn’t expect this process to be so heavy so early, but I am looking forward to seeing progress. My budget is set and I’ve done good for the past week, (small progress is still progress)!

Cheers to a New Year and a new mindset.!

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