Tag Archives: FPU

Just an Update/How are You?

10 May

It’s been almost two weeks since my last post. Since then, I’ve completed FPU. It was a fun few weeks, but I’m glad that I’m done. I think FPU is a wonderful program. I’m thankful for the opportunity to attend, and I’m looking forward to applying what I’ve learned in my life.

The great thing about FPU is that I can attend anytime I want. So, as I grow and progress through the baby steps, I can go back for a refresher.

If you’ve been to my blog, you know that I am going to be on baby step 2 (paying off all my debt) for a while. I hope to have my car paid off before the end of the year. I will be providing updates as I progress. I am moving along nicely, and I’m sort of pumped with my progress!

Things have been going okay with my envelopes. I still find myself spending a little over here and there. But overall I’m doing well. I did allow myself a few paydays where I had more entertainment money. But I reeled myself back in this week! And I’m feeling it. I spent all that time training myself to live on a minimal amount for spending money, and allowing myself more money has been a real adjustment for me (again).

Speaking of entertainment money, I needed a day of pampering. I had some money socked away for my car, but I decided to use a little of it to get a haircut and a mani/pedi. I’m actually sitting here in the pedicure chair now enjoying my massage.

So, that’s what’s been going on with me. I hope to provide a more profound update next week.

How’s everyone one doing on their get out of debt plan? Are you making good progress? When do you think you’ll be debt free?


Big News, Everyone

24 Mar

20130324-051906.jpgI hope my readers who have watched Futurama enjoy the reference to the old man! For those of you who are unfamiliar with the show, there’s still big news to share!

My FAP has been offered a job that she’s been waiting for for a LONG time! She’s baited many hooks and had many nibbles, but she finally got one to bite! I am so happy for her. No one deserves this more than she does. She will go far in whatever she does for her new employer, and they are lucky to have her. Oh, the places she’ll go! 20130324-051723.jpg

I will have an opportunity to see if I’ve grown in the way that I think about money. It’s been great having my FAP around daily. It’s almost like Linus with his security blanket. With the new job, I will have to take all the work and training we’ve done together and apply it daily. She and I are still going to discuss my spending and my finances, but my access to her won’t be quite so close. I’m looking forward to the opportunity to see how I’ve grown.

My FAP actually works in my office for our budget department. In FPU last week, Dave Ramsey said that people who understand how to manage their money end up managing other people’s money. Well, that’s what my FAP does at work, and she does a great job. Our office will miss her work ethic and her productivity (and her friendship).

I have been offered a chance to move from my department to the budget department to help fill her role (as If that’s possible). I am excited for the opportunity because I think it will make me a better employee in the long term. I’m also extremely nervous because it’s a completely new field for me, with completely different policies and procedures, and I just got used to the policies and procedures of my last department! I think it’s a great opportunity for me to grow, though, so I have to take it!

There is a major concern for me, and I’m just being honest. I don’t always handle uncertainty well. I have a tendency to take my own feelings of uncertainty and verbalize them to my coworkers. I’ve been very guilty of that in the past. But, God has done a lot of work in my soul, and I believe He will help me handle this transition the right way if I let Him! I have another opportunity to see how I’ve grown emotionally. My prayer is that I will give myself Grace to make mistakes and learn from them. Please join me in those prayers, and feel free to share scriptures with me that may be helpful!

How do you handle changes in your life?

Star Wars of My Finances

9 Mar

Star Wars of My Finances

I’m not the biggest Star Wars fan out there, but I do enjoy the movies. My favorite episode is Empire Strikes Back. My Financial Accountability Partner (FAP)’s husband shared a quote with me from the movie, …”you have taken your first step into a larger world,” and I responded with my own quote.

“You Must Unlearn What You Have Learned”

He said that I must unlearn what I have leaned if I want to control my finances. And how true is that? I went through adolescence and most of my adult life living paycheck to paycheck (and still am currently). I didn’t care about saving. I only cared about spending, and boy did I enjoy that! But, if I want to give like no one else, as Dave Ramsey says, I MUST unlearn what I’ve learned about money these last 20+ years. So, how do I do that?

Well, to unlearn something, I have to learn something. The best way I know how to learn something is to immerse myself in the subject matter. Writing this blog helps me to do that. I’m always thinking about what I can write about, and I know that I better have positive reports for all my readers out there (all five of you). Believe it or not, making my bed helps me to do that, too. I think about my finances every time I make my bed! It’s a great way to start my day!

I also think reviewing my spending with my FAP keeps me immersed in my financial health. She will not let me get away with anything! And I’ve tried to sneak some things by her. She’s not having it. I’m glad she’s not either. When I spend money, I ask myself what she would say. It really makes me think about what I’m doing with my money!

Reading books is another way I can unlearn what I have learned in the past. I am currently reading Necessary Endings by Dr. Henry Cloud. The book talks about how to handle the various types of endings we encounter in life and reminds me that endings are truly a necessary part of life, even if they are painful.

I’m also reading Complete Guide to Money by Dave Ramsey. It’s the handbook for Financial Peace University (FPU). I’ve only read the first chapter, but I’m looking forward to reading it. I think it will help me gain even more understanding of how to handle money and finances.

Speaking of FPU, I attended my first class on Monday. I had heard or read some of the information before, but I really enjoy how Dave teaches his lessons. He’s humorous and down to earth and loves the Lord. A perfect combination. I’m looking forward to next week’s lesson!

I was a little discouraged after the class. They did a group snapshot of everyone’s financial situation. I have more debt than the class average. Hearing that was a reminder of the mess I got myself into. BUT I also know I can get myself out. And all this immersion will be helpful. Woohoo for the hope to accomplish my goals!

I also realized that while I may have been using a decent budget, it is incomplete. I have a car maintenance line, but it’s not extensive enough. I need to modify my budget to include unexpected car repairs. I also need a more complete beauty care line. I should include haircuts and makeup in that line on my budget.

The good news is that I can adjust my budget at any time, and I’ve already done just that. I am so thankful that I am able to make changes to my budget. I’m also thankful that I can make changes to my behavior. And the best way for me to change my behavior is to unlearn what I have learned.

So, how do you learn/unlearn?


Another Step!

25 Feb

I’ve had a great couple of weeks!

I had the opportunity to visit with my friends Vince and Lora last weekend. It was a fun trip! We hit a local burger spot known as Ferrell’s Burgers that I plan on making a regular part of my visits now.
I also got to eat some good home cooking. Lora is one heck of a cook! On Sunday I went to the church that Vince and Lora pastor. It’s always good to hear Vince speak, and Lora actually joined him for a little Q&A session. I really enjoyed that! On Monday, we all went to a local German restaurant, and then I headed home. It was a great weekend!

This weekend, I was able to pay off my first loan! I gotta say: IT FELT GREAT!!! I shared the good news with a couple of people who I knew would rejoice with me, and I plan on sharing with my accountability partner via a homemade thank you card! On to the next loan!

We received some disappointing news at work last week. The Undersecretary of Defense, Robert Hale, recommended a government furlough. If this furlough takes place, all government employees will lose a day’s pay and work for 22 weeks or until a budget solution is met. If you would like to read more about the furlough, please read here. Obviously, a chance at losing pay had me reevaluate my budget and my finances. While not optimal, I will be okay if a furlough is imposed. My debt snowball will be on hold, but God’s plan for me won’t!

It will be some time before I report on my next debt being paid down. I’m still going to plug away at my plan and will adjust accordingly for any bumps in the road!

FPU starts next week. I can’t wait!

What plans will you make to accommodate any changes to your finances?

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