I started Financial Peace University by Dave Ramsey online yesterday.Â I wouldn’t say that we are in a huge mess of financial hell, but things could be better.Â When I was pregnant with Caterpillar, we had some unforeseen medical expenses that we ended up having to put on a credit card.Â All $10,000 of it.Â We weren’t prepared, and it was, and still is an awful feeling knowing that debt is just lingering.
So far, I’ve enjoyed the lessons.Â He hasn’t said anything earth shaking, and I don’t anticipate that he will.Â But, he has in the very first lesson given us a game plan.Â You know me… I love a good plan.Â The plans are all broken down into baby steps.Â So, the first step is to save up $1000 as a baby emergency fund.Â That way, when the debt is going down, and an emergency happens, the debt doesn’t go right back to where it was.Â I like it.Â It’s simple.Â It’s a baby step and we can do it.
Speaking of plans, we have a lot of plans going on this week.Â We had a play date yesterday, I am making a meal for a family today, we have another play date tomorrow and another one on Friday.Â I am also trying to schedule a photo shoot of a very good friends kids.Â I am going to be all played and all dated out by the end of the week, but it just feels great to be surrounded with such caring and loving friends.
Oh, and I am going to my sister-in-laws baby shower this weekend.Â She doesn’t know if she’s having a boy or a girl so there’s not much to talk about there.Â However, our very good friends (the ones we are hosting a journey group with) are having a boy.Â They already have three girls, so I think they had a little shell-shock, but I couldn’t be happier for them. I can’t wait until her shower, and I know this little man will change his mama’s heart forever.
Other than that, just fighting off a cold and enjoying the rainy days that we have had in Colorado.Â I can’t wait to see all the veggies our garden grows as a result of all of the moisture!