I've made some really smart financial decisions in my life that have benefited my family.
I've also made some really stupid decisions that have hurt my family and myself.
Now that I'm facing life alone with limited financial resources, I know that I need to get smart and follow a system that works.
I'd heard of Dave Ramsey before, but didn't really know much about him. Then a couple of friends started reading Total Money Makeover. I heard that he uses biblical principles and that he's a straight-talker. I asked opinions of some of my other friends and heard glowing remarks. "It's not easy, especially at the beginning," one friend said, "but it's created a whole new way of life for us that is debt-free except for our house."
I borrowed the book from the library. (Pet peeve: Someone else who borrowed the same book decided to underline and highlight all the way through it. If it's your own book, fine. I don't understand the mentality that says you can do anything you want to a book that is on LOAN to you!! Grrrr!!!)
The first two steps are already difficult, but I'm determined to follow them. No credit cards (one of my problem areas) and save $1,000 in an account that you can easily get to. I have some money in retirement accounts, but nothing in savings that I can access.
This is the beginning of a process for me. One that ties in with my new life.
In fact, the first court date is this Wednesday and I am a complete mess about it. It's "only" a scheduling date; nevertheless it's going to be emotional for me. The last time I was at the court house was in 1979. My soon-to-be-husband and I went there to get our marriage license. Now we'll walk up those steps again, each of us with our lawyer, in order to start the proceedings to end that same marriage.
I won't know for some time how my future will unfold in the way of my living conditions or financial security. I do know that acknowledging that I need to have some kind of plan is the only way I can make it.
I'm looking forward to my makeover, in every area of my life, no matter how scary or challenging it may be.