The phrase, "If you don't change your direction, you may end up where you are headed" can be said many different ways but no matter which way it reads, it still means the same thing. How many times can you think back on where you said, If I would have only known then what I know now, I would have done things different? This happens to me all the time as I am sure it does for most people.
Most people, 98% of the population, go through life living day by day and they never plan for the future. They just keep on working towards retirement where they will, most likely, be forced to live on 40% of what they can't live on today. This is a SCARY thought!!!!
My life made a huge change last year when I was introduced to a financial course by Dave Ramsey called, "Financial Peace University" which can be found along with tons of other financial pieces at DaveRamsey.com. I don't make a single penny for talking about this so don't worry. I simply feel that everyone should take the course as my family did. It will change the way you look at life, money, family, etc.
We hear tons of hipe about how this and that can change your life but this is a must. Let me explain. We were living check to check, week by week and never had much to show for it although we had a pretty nice income. The bills were being paid but where was the rest going? I knew the money was coming in but didn't have a clue as to where it was going. That was until this course. Now, we follow the extremely simple steps taught in this course and we know where each and every dime goes. What a relief!!!
I am so certain that this course will help everyone that I feel that it should be a required subject in high school before anyone could graduate...PERIOD!!! If this happened, the financial state American's face daily would be a lot less stressful and they would be able to live not just exist from day to day.
Dave has a saying that took me a little while to grasp. It is...Live Like No One Else So One Day You Can Live Like No One Else. Once I understood what this phrase really meant, life for my family took a turn for the better. So, I strongly suggest that you take a little time to review his website. It may help you in more ways than just financially. I know it did for me and my family.
