Are you working towards the goal of being debt-free? Are you a Dave Ramsey baby steps fan? You’ll love this humorous and heartfelt look at why you might choose to keep driving that old car, eat rice and beans, and more!
It all began nearly twenty years ago for us, when we were mentored by a sweet older couple who were affiliated with a program called Christian Financial Concepts. We learned to love Larry Burkett and his challenging but life-changing books.
From there, we developed a steady appetite for books and resources by Crown Financial Ministries and Howard Dayton. Dayton’s book “Your Money Map” is one we’ve recommended to young couples time and time again.
Then we discovered Dave Ramsey, Total Money Makeover, and Financial Peace University. And Dave’s app — oh boy, have we loved Dave’s app — with the Dave Ramsey Show. It’s like free TV online, every day, about all things money.
Here’s my humorous but heartfelt list of 13 things Dave Ramsey baby steps fans wish you knew. Enjoy!
(Psssst… You might also like my post Dave Ramsey Budget Forms that are a Lifeline When You’re Trying to Simply Stay Afloat.)
13 Things Dave Ramsey Baby Steps Fans Wish You Knew:
1. We’ve disconnected, cancelled, and sold so much stuff that the kids think they’re next.
(Just kidding… but our emergency savings is fully funded and ready for Murphy when he visits.)
2. We’re not driving a hoop-dee because we’re poor.
We’re driving it because it’s paid for in full and we’re saving up to pay all cash for a nicer, newer one. We plan to never have a car payment again.
3. Although it may look like it, beans and rice and rice and beans are not our favorite food.
If you’d like to have us over for a more extravagant meal while we pay off debt, we’ll gladly accept! Steaks, anyone?
4. You might think our budget seems too restraining, but to us it’s our Declaration of Independence.
We declare that we’re going to be independent from the chains of debt!
5. We know what it’s like to build a mammoth snowball, even in the middle of the hottest summer.
Smallest to largest! We’ve got this!
6. We’re getting good at saying “no” to unnecessary things today.
We’re going to be really good at saying “yes” to the most important things later. It won’t be long now!
7. We may be grown adults but we still look forward to getting our weekly allowance.
8. The BMW next door is no longer a status symbol to us.
The paid off mortgage is what makes us swoon.
9. Our chosen home may not be the one the bank tells us we can afford.
But — the bank won’t know what hit them when we have it paid off in ten years (instead of thirty…or never).
10. We consider how spending affects our time.
People say time management is important, but seldom think about what frivolous spending costs them in time. We won’t succumb to the pressure of immediate gratification. Time is one of our most valuable possessions, and having the freedom to give our time to people and causes that matter is important to us.
11. We’ve learned to see advertising differently than most people.
Advertisers are paid big money to convince us to part with our money, and that causes us major separation anxiety. Just say no.
12. Really, we know it’s not our money anyway. It’s God’s money.
We’re just managing what He’s given to us to the best of our ability.
13. We’re beyond thankful that we’re able to choose to live this way, because one of our biggest motivations is to be able to live on less so we can give more.
Our story isn’t finished! You can read our update here: We’re Debt Free! Our Story Of How We Paid Off Our House.
While we were paying off our debt, we found encouragement in memorizing bible verses about money and thinking through what the bible has to day about money, contentment, and wealth. I’ve created these 24 printable scripture cards about money to help you stay inspired, too. They’re perfect for carrying along in your purse or bible and meditating on as you go about your day!
I’ve also created a free email series for you; for seven days you’ll receive a bible verse and a contentment prayer sent directly to your email address. It’s a simple, intentional way to start your day on the right track! Sign up for this free contentment series here.
Are you debt-free or working towards being debt-free? Working on Dave Ramsey baby steps? What would you add to this list? I’m sure you have some great ideas!
Go in grace today,
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