tag:blogger.com,1999:blog-184165921746089096.post8250819956676996912..comments2023-06-03T08:26:27.654-04:00Comments on Life with four boys...coffee please!: Why I Dislike Dave RamseyDenisehttp://www.blogger.com/profile/11314236425273380318noreply@blogger.comBlogger154125tag:blogger.com,1999:blog-184165921746089096.post-81774785467786516602012-11-24T21:26:25.789-05:002012-11-24T21:26:25.789-05:00As far as the envelope system goes, I have heard a...As far as the envelope system goes, I have heard a lot of people don't like it. Well, it saved us. It is the tangible money in my hand that I love to count. My husband and I have lots of envelopes, probably more than most people, but we decided what we wanted to put money aside for and we take out everytime he gets paid. I am a realtor so when I get a commission we put it on our smallest debt. This year has been amazing!valhttps://www.blogger.com/profile/01278511901272148712noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-39238070812517692612012-11-17T22:45:37.999-05:002012-11-17T22:45:37.999-05:00I didn't read all the comments, so sorry if th...I didn't read all the comments, so sorry if this was already said, but we use an "electronic" envelopes system which makes a lot of sense to us in this electronic age: http://www.mvelopes.com/ <br /><br />Maybe this will help your family out with the envelopes?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-16341153855136116682012-11-17T17:32:12.699-05:002012-11-17T17:32:12.699-05:00Denise - U ROCK!! Just want you to know that I lo...Denise - U ROCK!! Just want you to know that I love your blog!! Tell Jason (JAKE) i said HI!! <br />Anonymoushttps://www.blogger.com/profile/08073876658014775575noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-86179352028880604912012-11-17T17:30:40.181-05:002012-11-17T17:30:40.181-05:00DENISE!!! U ROCK!!!! Keep up the good work and t...DENISE!!! U ROCK!!!! Keep up the good work and tel Jason/JAKE Hi for me!! :)Anonymoushttps://www.blogger.com/profile/08073876658014775575noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-50005002674901341812012-11-16T10:35:39.294-05:002012-11-16T10:35:39.294-05:00Hi, Denise! I'm in a similar boat with my hus...Hi, Denise! I'm in a similar boat with my husband...except reverse. I jump up and down excited about budgeting, while he cringes at the thought of putting our down-to-the-penny-budget together. I was wondering what your remedy to the envelope system is/was? We're trying to figure that one out now.Tiffanyhttps://www.blogger.com/profile/08991973088466011996noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-25249374954140964332012-11-15T09:30:43.671-05:002012-11-15T09:30:43.671-05:00Loved the post. My husband and I found Dave Ramse...Loved the post. My husband and I found Dave Ramsey through a friend and it has made all the difference. We have different styles and the course gave a framework to use when talking about money. We will retire next year debt free and be able to feel free to travel and enjoy the grand kids. I recommend it to anyone who will listen because it will change your life. <br /><br />We use credit cards but pay in full every month (always) and record every receipt in a detailed budget app. Then we review it every month. Works great for us. <br /><br />Good luck.ATC Bellehttps://www.blogger.com/profile/05632436046153524505noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-45449021821551195592012-11-15T01:18:55.964-05:002012-11-15T01:18:55.964-05:00YNAB!!!!!!!! AWESOME!YNAB!!!!!!!! AWESOME!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-43805414739066581062012-11-14T11:32:02.999-05:002012-11-14T11:32:02.999-05:00My husband and I received the FPU classes as a wed...My husband and I received the FPU classes as a wedding gift, so we started this process shortly after we were married. Boy, has it helped not only our spending, but our saving, and our marriage! We are so open about money and talking about it. We have been using the envelope system for groceries and 'fun' money. Any leftover grocery money we have at the end of the month will just roll in to the next month's grocery fund, although I am pretty good about getting the food for the month at about the same price every time. We have a joint checking account and a joint savings account (although that is now our emergency fund). We started a mutual fund and we are putting away money each month from paychecks. We are overpaying on our house payment (by more than $100 a month) and hoping to pay more per month when I have a more steady job (just substitute teaching now), and I am 24 and husband is 29. I don't think we would be having this 'gazelle' intensity had it not been for Dave.Lindsey Nilsonhttps://www.blogger.com/profile/05737321654009198185noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-78611804421300467152012-11-14T09:13:54.725-05:002012-11-14T09:13:54.725-05:00Loved your post! My husband and I took the Financ...Loved your post! My husband and I took the Financial Peace class last January and are loving it.<br /><br />We also did not like the whole envelopes of cash thing, so we found an online "envelope" system that is really nice. it is called Mvelopes.com.<br /><br />We love it... <br /><br />Amanda<br />PublishAmanda McDonaldhttps://www.blogger.com/profile/13466048524003265376noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-30554693160778961622012-11-14T08:22:00.638-05:002012-11-14T08:22:00.638-05:00I saw this post on DR's FB feed - just had to ...I saw this post on DR's FB feed - just had to stop over and say hi - and welcome to the club :-) We've been doing the DR plan for 5... 6 years now and thanks to that we were able to purchase a bigger home, be out of debt, and now we're waiting to welcome babies #2 & #3 this spring! And I get to be a SAHM! It IS painful at first to start the program - but once you get it, you GET IT! :-) Cristinhttps://www.blogger.com/profile/13651796032978003764noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-1671946752127502582012-11-13T22:50:10.540-05:002012-11-13T22:50:10.540-05:00Hi! I just read your post and enjoyed it. I took ...Hi! I just read your post and enjoyed it. I took FPU last year. Anyway not the point of my comment. I did the envelope system for about six months. Then got sick of all the envelopes. I discovered an app for my phone called "back in black". If you like the idea of the envelope system but dislike carrying them around then you might like to check out that app. It is for iphones, but might be in other app stores too. Enjoy!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-10346565692550689642012-11-13T22:23:17.102-05:002012-11-13T22:23:17.102-05:00Loved this! I'm going to send the link to my ...Loved this! I'm going to send the link to my husband :)<br />I was the one that suggested we sign up to take the class - I was getting frustrated with paying the bills and seeing the credit card balance increase. Turns out I'm the free spirit, my husband is WAY better at managing our money, and HE has now taught the class twice!<br />We only have envelopes for a few things - groceries, household items, clothing, eating out. We sometimes set up temporary envelopes for travel, birthday party expenses, Christmas. We save up for these things all year, and just get the cash when we need it.<br />My husband uses YNAB, and a friend of mine suggested EEBA (but I could never quite figure it out since our monthly envelope amounts sometimes vary).<br />Good luck!RLRhttps://www.blogger.com/profile/07186598026843397100noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-67758011559737260982012-11-13T19:25:11.022-05:002012-11-13T19:25:11.022-05:00So, I am a complete stranger to you, but I am a fe...So, I am a complete stranger to you, but I am a fellow Dave Ramsey-er. My husband and I have been married 12 years and completed the course just about 1 year ago and we have paid off ~$75,000 in student loans! <br /><br />I too hated Dave Ramsey, mostly because what I had heard of him was not true...Now, I wish we took the course 12 years ago! <br /><br />Anyway, just wanted to encourage you to keep up the gazelle intensity! We are half way through our debts (yes, only 1/2 way!) and it already feels AMAZING and FREEING! God has blessed our every effort and multiplied it! Keep it up and good luck!<br />~Amber MerchantAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-71797168321292084912012-11-13T19:09:52.949-05:002012-11-13T19:09:52.949-05:00I'm not sure if someone already said this...bu...I'm not sure if someone already said this...but we get our bills before the end of the month. So, we pay our bills with online bill pay the first day that the paycheck comes in and then we take the rest out in cash to distribute among envelopes for the month. We never take out the money for bills in cash, that way we never see it and have to go back and forth to the bank with it. :) <br />jessicamichellehttps://www.blogger.com/profile/17830289069699361946noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-61581649334662118722012-11-13T18:31:25.837-05:002012-11-13T18:31:25.837-05:00We took FPU several years ago, because we learned ...We took FPU several years ago, because we learned from my parents how it feels to be broke, sick, and at the end of our rope. We helped them and wished they had had this system. We made up our mind that we did not want to end up I that position. We have been able to have only our home and a piece of property for retirement as debt. My dear sweet husband was always on top of our finances. Suddenly 3 1/2 months ago my husband went from making $184,000 plus bonuses to making 120,000 w/no bonuses boy what a shock. So, having a full funded emerg fund a as allowed us to take a goo long look at our future and now my hubby is retiring and starting his own business. We would have never been able to do tis w/o Dve Ramsy's plan and a budget. It will not be easy, but it is exciting to see my dear hubby so excited about working for himself. So hang in there it is all worth it.sarahttps://www.blogger.com/profile/10113546767605204228noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-90266004371661244082012-11-13T18:20:23.947-05:002012-11-13T18:20:23.947-05:00I do not like the envelope system either at least ...I do not like the envelope system either at least with cash, however I was introduced to an on the computer (not online) envelope system, called Snowmint creative solutions, here is the link; http://www.snowmintcs.com/ I have all the needed envelopes set up on my flash drive where I save it after I make my transactions, I use these envelopes as my check register, and it helps me stick to my budget...plus it is very user frendly!Kellyhttps://www.blogger.com/profile/13189506561382770080noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-4231854298232325282012-11-13T17:12:04.784-05:002012-11-13T17:12:04.784-05:00Awesome! I am so happy for you. WTG!Awesome! I am so happy for you. WTG!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-4160727917402842272012-11-13T16:30:09.342-05:002012-11-13T16:30:09.342-05:00I felt the same way about FPU! Have you tried Mvel...I felt the same way about FPU! Have you tried Mvelopes? It is a envelope system that is all online(use your debit card for purchases/bills). We have the ap on our phones so we know at all times how much is in our budget left. It has been very helpful to our marriage, I mean budget. :)Unknownhttps://www.blogger.com/profile/17690034810933693567noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-16120810556183231122012-11-13T15:02:28.212-05:002012-11-13T15:02:28.212-05:00Very cool.I found your blog because Dave Ramsey re...Very cool.I found your blog because Dave Ramsey recommended it on Facebook! You're famous!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-284471958786962302012-11-13T14:53:04.289-05:002012-11-13T14:53:04.289-05:00Awesome post! I never in a million years thought I...Awesome post! I never in a million years thought I would ENJOY a class about finances, but I LOVED FPU!! And I actually enjoy listening to him on the radio now, too. <br /><br />My husband and I are still doing our baby steps. It's hard, but at least we are headed in the right direction now and not digging the hole any deeper.<br /><br />Oh, and I bet you'll get a TON of comments on your blog since the link was posted on Dave's Facebook page. ;)RobynShttps://www.blogger.com/profile/18005978012722941438noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-80924198154069037732012-11-13T14:35:18.186-05:002012-11-13T14:35:18.186-05:00EEBA has an app w/ virtual envelopes. I have not ...EEBA has an app w/ virtual envelopes. I have not tried it yet, but it is suppose to be good.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-6750669015075122442012-11-13T14:34:26.712-05:002012-11-13T14:34:26.712-05:00heres a tip - i do the envelope system for these c...heres a tip - i do the envelope system for these categories: Dog (food, pee pads), groceries, car, gifts, miscellaneous, fun money, restaurant money, Vet bill money, medical (co pay money).<br /><br />Those are all things I can pay cash for. <br />I cant pay my bills with cash so when its pay day. i take my paycheck, and subtract what bills need to be paid from it... then i take the amount thats left, and divy it up in my envelopes. some months i might no tbe able to put much in all the categories, but still. hope that helps :) Ellen Ross | Ask Away Bloghttps://www.blogger.com/profile/03217883201157025074noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-22640752507177810512012-11-13T14:34:17.748-05:002012-11-13T14:34:17.748-05:00There is an EEBA app for the iphone that I just fo...There is an EEBA app for the iphone that I just found out about that you can do virtual envelopes.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-37326679642106929242012-11-13T14:31:13.045-05:002012-11-13T14:31:13.045-05:00Haha! That's hilarious. I also have a love/hat...Haha! That's hilarious. I also have a love/hate relationship with Dave. Mine goes like this: I know he's right, but I still want to do what I want to do. But I know he's right... good luck teaching your class :)Kimhttps://www.blogger.com/profile/07153727668278085354noreply@blogger.comtag:blogger.com,1999:blog-184165921746089096.post-1988823526749935602012-11-13T14:25:34.361-05:002012-11-13T14:25:34.361-05:00Haha, great post. I know what you mean about being...Haha, great post. I know what you mean about being associated with fanatical fans. It's so irritating!Nathan Magnusonhttp://www.nathanmagnuson.comnoreply@blogger.com