Recently, I drove through a McDonald’s drive-thru with the children to get them burgers. While there, it occurred to me that I no longer worry that the card will be declined.
That was not always the case.
It’s not that I am broke. Rather, while married, my ex-wife handled the bank accounts. Time and time again there would be problems with our account. True, sometimes the bank would put a hold on because of suspicious purchases. Many other times, however, it was because there was no money in the account. On more than one occasion I left a McDonald’s drive-thru empty-handed and frustrated because the card was declined.
Why was there no money in the account? I was given story after story. Some true, I am sure. Some I did not believe.
But since I am in control of my money now, not once has this been an issue. One could wonder why one person has issues with this and another has none. I don’t wonder that. I am just thankful I can feel confident anytime I pull out my card to use that it will work.
My perception is that most couples take on debt (or their families do) to put on the party. I don’t know if that is true, but that is my perception.
We did not. That was my contribution to our wedding. As it was my ex-wife‘s second wedding, her need for the blow-out was less than her first go-around. I am certain she would have preferred a massive wedding, but since we (I) was paying for it, that wasn’t going to happen.
We were married on Saturday. On Thursday before, I paid the bill, including the very generous tip to the bartender. We had to have an open bar and no tip jar out. My mother would have been horrified otherwise.
We had no bills to deal with once married.
The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey
My rating: 4 of 5 stars
I’ve heard of Dave Ramsey for years, but have never really listened to him. Through some of my other pursuits, this book kept coming up. I decided to give it a try. I noted the local library had a copy. I went in a tad skeptical. I am always leery of those who tell me what to do. I am not a self-help fan. And to that end, Ramsey is far less financial guru and far more salesman a la Darren LaCroix, et al.
The advice delivered here is definitely what grandma would have professed. There is nothing new here. It is all common sense. Nothing I didn’t know before I read this.
But I rather liked it. Ramsey pitches well. I feel as though he wasn’t coming off as a charlatan with the pitch. He explained what needed to be explained plainly. 😉
That’s the thing: while there is nothing revolutionary here, my feeling is that in today’s society many have never heard this advice before or are too far removed from following it. It’s kind of that dose of parental advice that you know you should be adhering to better than you probably are. 😉
I enjoyed the read.
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