That actually wasn't the 'point to ponder' but she is so darn cute, isn't she?? :)
Here's the real question....
"Would you hire you to manage your money?"
If the answer is "no", then there's some work that needs to be done but the great part about it is that getting on the right track is just ONE DECISION away!!
Are you ready to change?? Are you ready to take control of your finances instead of letting your money control you??
It may sound like a daunting task, but let me assure you that it is not! The hardest part of making a budget, sticking to it and knocking out debt like its a disease is deciding to get gazelle intense about it and letting NOTHING stand in your way! But watch out because once you are on a roll, you won't be stopped!!
Dave Ramsey is having a Christmas/End of the year sale on all of his books, etc and most of you know that we are huge Dave fans so I'd encourage you to go over to his website and check them out.
Also, I am always available by email to answer any questions that you may have on the road to becoming debt free! My email is firstname.lastname@example.org and I am LOVING the emails that are still coming in from my last post I did on budgeting way back in the summer....when we lived in the rv...in a campgroud...yeah, remember those days?...yeah, me too!
Another thing that motivates us to stick with our budget and to 'live like no one else' because "if we live like no one else then we can give like no one else"...and that has to be the greatest blessing...to be able to bless others! It is so rewarding to take the focus off yourself and to give to help others, it truly is wonderful!!
So go ahead, make a plan for the new year and kick it into action! The only thing getting in your way is yourself!