What is FPU, you ask, Financial Peace University, of course! Kyle and I have been spending our Sunday mornings attending Dave Ramsey's Financial Peace University classes and I must say that we are both avid Dave fans these days! It is a 13 week course that informs you about family budgeting, avoiding and staying out of debt, what you should know about marketing as a consumer, what types of insurance you need, how to understand mutual funds, college planning, retirement planning, and of course building wealth and giving! I love it! Kyle and I have weekly budget meeting where we discuss down to every last penny where our money goes and if its not in the budget then we wait until next month and plan for it or it if it's not able to work into the budget then we don't need it. It is hard to do sometimes but patience and support from each other has kept impulse buys away and one day we know that our money will work for us! My favorite Dave quote "Live like no one else, so you can live like no one else!" I use this often to remind myself that while a brand new care would be awesome, that it is in fact just a vehicle to get us from point a and b and if we don't have the cash for it then we don't need it! We have started using the envelope system, if you don't know what this is our how it works then my advice to you is find a Dave Ramsey course near you and GO! Our sweet baby is not even born yet and we are looking into ways to have college paid off early and hoping to have bought and paid off a house by the time we are 40 (maybe a crazy goal, but I believe that if I work the system the system will work for me!) We are also wanting to purchase our first car in the next few years paid for in CASH 100% so for now we are patiently saving and waiting and this is all possible because we have set up an emergency fund (Dave's Baby Step #1) and are Saving 3-6 months worth of our salaries (Dave's Baby Step #2) to give us room for the times when things happen! WOW! Did I mention I really like these classes LOL!
---Baby note! I have a doctors appointment tomorrow at 4:00 for another routine check up no ultrasound this time but I do love to hear our baby's sweet heart beat! I am looking forward to wrapping up the school year and focusing all my energy on our baby sometimes I find myself wandering into the nursery to sit and rock and quietly think about who are baby is and even though everyone has their opinions about us not finding out the sex of our baby (even me at times :) it is truly wonderful to be so curious about our wonderful gift!
