I know two people who used Dave Ramsey's book The Total Money Makeover to get out of trouble and they're doing pretty darn good now. I read through it and it makes sense, but I never put it into action--I tell you this because I want you to factor in that this is a second-hand recommendation of sorts. Couldn't hurt looking into it.
On the emotional side, I'm right there with you. It's just my daughter and myself in a little ranch house on 5 acres and ends are just barely meeting every month.
The thing that really chaps my ass here in 'Murcia is the lack of education we receive on managing money. At some point during or after highschool it's sink or swim. The rules that applied to my parents generation do not apply to mine. I always heard: "The value on a house only goes up!" So in 2006 I bought my first house....two years before 2008 happened. Still recovering from that.
On the emotional side, I'm right there with you. It's just my daughter and myself in a little ranch house on 5 acres and ends are just barely meeting every month.
The thing that really chaps my ass here in 'Murcia is the lack of education we receive on managing money. At some point during or after highschool it's sink or swim. The rules that applied to my parents generation do not apply to mine. I always heard: "The value on a house only goes up!" So in 2006 I bought my first house....two years before 2008 happened. Still recovering from that.
I can't remember where this verse is from, I think it got removed from canon:
"I don't hang around with mostly men because I'm gay. It's because men are better than women. Better trained, better equipped...better. Just better! I'm not gay."
For context, this is the previous verse:
"Hi Jesus" -robvalue
"I don't hang around with mostly men because I'm gay. It's because men are better than women. Better trained, better equipped...better. Just better! I'm not gay."
For context, this is the previous verse:
"Hi Jesus" -robvalue
