Good Read - The Total Money Makeover

The Total Money Makeover by Dave Ramsey was a good read.

I like to read a good book relating money, finances, frugality at least once a month. I have found that it helps me stay on track with saving money and not over-indulging.

His book really helped me to think about debt. We all have some form - whether it is college loans, mortgage, or car loans. Nevertheless, he speaks about reducing debt as quickly as you can. Now, that sounds easier said than done, but he spoke about a couple of things that hit close to home. The first is 'stuffits', which is basically means buying and wanting stuff. The end product of ‘stuffits’ is basically that, too much stuff that means nothing to you. I do this all the time, I will be out shopping and have to have that purse or picture frame. The bottom line is - that is where savings/paying down debt is broken down. Second, I know so many people who NEED to have the best of things - stereo equipment, new cars, and the best clothes. Again, that impacts your bottom line - saving and paying down debt.

The book really helped me see that I would have a sense of personal peace, the less debt I have. Most people want this, but don't have this motto. My goal for 2010 has been to save money - the book helped me remember this.

New years resolution for real this time!

I cannot believe I haven't posted in a year! Tisk, tisk! Unfortunately, with a new marriage, two new dogs, a new house, and a sixth year degree this took a little hiatus.

OK - people make and break resolutions the week after the new year has started (OK, most do). I have made a few this year. Here they are:
1. Blog, blog, blog! (I will share more about why in a minute)
2. Save, save, save (money that is)
3. Learn Spanish

These three are great resolutions because they are tied to overall self-improvement. You are probably wondering how Goal #1 above is tied to self-improvement. Well, by blogging I am hoping to learn and grow as a 'sensibly frugal' individual. By doing goal #1, the theory is that goal #2 will also occur.

By learning through various sources such as books and the Internet, I hope to share with my readers what I have learned and how I am applying it to my life. Here is to a new year, new decade, and self-improvement.