The rich rule over the poor, and the borrower is slave to the lender. ~ Proverbs 22:7 NIV
Do you ever get to the end of the month and wonder who you’re actually going to work for? You earn money, but it all seems to go to the rent or mortgage, the power company, the gas company, the water bill, the phone bill, the car payment, the student loan, the credit card, the equity line, the tax man… There are months where all the money you work so hard for goes right out the door and the scripture above rings truer than ever, and that assumes you can even make all the payments. All that stress of owing so much to so many is THE major strain on a marriage. When you do have a little left over at the end of the month, the differing priorities about how to spend it become significant. How can you take control of your finances and get the priorities back in your life and the sanity back in your marriage?
I suggest doing what we did: We went through Dave Ramsey’s Financial Peace University a few years ago at our church. We’re still working the plan, but we are in a much more stable and healthy place now than we were and hope to one day soon be able to shout that we are debt free!
The Financial Peace University series is a faith-based version of Ramsey’s Total Money Makeover. The most important things this class did for us were to (1) show us we are not alone in our money problems, (2) give us hope that we can get our finances under control, and (3) give us the tools to do it. Not only does FPU teach what steps to take, but also very importantly teaches what order in which to do them for maximum effectiveness and sustainability. I highly recommend this program. If you can’t do it right now, for whatever reason, I highly recommend finding a way to listen to the Dave Ramsey show in your area or online.
P.S. One thing Dave recommends is taking on a second job and WORKING that debt off. We highly recommend becoming a Thirty-One consultant.