Class Debt Paid

Well, it took me way to long to do this but the numbers are in. Collectively those who responded have paid off $82,638.25 in debt and saved $23,630.00

It's a good thing that I am typing becuase I am totally speechless. This numbers are phenomenal. Fantastic Job everyone!

It's too hard!

Giving up the old life is hard. Change is hard. Working the program is hard. Budgeting is hard. Getting your debt snowball rolling is hard. If it was easy everyone would be living in a paid for house and driving cars without payments.

That's why FPU works. But you have to work the program. That means you need to stop doing what you always did. Stop using credit cards, period. Start using cash (You ain't gonna be robbed!). Sell stuff. Stick to your budget.

Work the program. We did and we are debt free. I'm not bragging. These are the facts. If you want to be broke when your 65 and greeting people at Walmart, that's your life to live. If you want a 30 year mortgage every five years until your dead, that's your business.

But for me, I am free. I'm not working for the banks. I have choices. I sleep good at night. This freedom can be yours too, if you want it. But if you work the program "Willie Nillie" you will not accomplish your goals. If you put only some effort into it you will be in debt forever. You must get intense. You must kill your debt! Cut up your cards! Get off the juice! Or stay broke - it's your life.

I challange you to get intense. Think differently. Sacrifice now so that you can have your life back. We did it. It took us a long time. It was hard. It was painful. But it was so worth it. You can do it too. Kill it.

That's a picture of our paid for house.

It can be done people.

Chasing the Cheetah?

Sometimes I wonder if some people attending FPU think of it as some kind of a cult. I wonder if they think we are all nuts who have bought in to some weird message preached by this Dave Ramsey guy, and now all we do is run around cutting up credit cards.

The essence of winning financially is getting to the point where you are so disgusted with your current situation, that it no longer matters what anyone else thinks. It means that common sense is more important than looking good to others. It means that you are willing to do whatever it takes to get your family back on track. Living like no one else, then later, living like no one else.

Yesterday I woke up at 6:30, started teaching school by 7am, attended a networking meeting from 11:30 to 1pm. Came home to put together some loan disclosures for two clients I had to meet with. At 2pm I left the house to referee a soccer game in Hacienda Heights (my 2nd job). I got home at 5:15 which was just enough time to have dinner and get the class materials ready. After I started the class and got the video rolling I left to meet with a young couple trying to buy their first home. I was able to get back to class before the video ended and not many knew I had left.

The reality is I was tired at 5pm. But becuase I know this really works. Becuase Stacie and I have seen the fruits of our labor in regard to paying off our debt, there is no way that we can stop now. The prize is too great. I refuse to be Practice the Goat. Don't Quit!