Our Financial Peace Journey: September 2016

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If you are new around these parts, the Mister and I took the Dave Ramsey Financial Peace University course through our church last year. We have a goal to pay off half of our consumer debt this year. You can catch up on our journey by checking out our previous recaps:

September Budget

So let’s start this post by sharing that this month marks one year since we started Financial Peace University at our church and one year of living on a written budget. And to mark that occasion, life decided to throw us a major curve ball – the Mister’s new job was terminated last week.

I think for most people this would have caused a moment of panic, but the news made me realize how thankful I am that we live by a written budget. When the Mister called me and told me, I was able to calmly reassure him that we’d get through it:

  • Because of our budget, we know exactly how much we need to get live on; it’s not a big scary unknown number.
  • Because of our budget, I knew that we have our baby emergency fund rebuilt even though we had an emergency over the summer.
  • Because of our budget, I knew that we had enough money sitting in the bank to pay the first half of October’s bills.

I’m not trying to be Pollyanna about the situation, but I knew we had time to re-group and figure this out.

The Mister and I agreed that he’d check with his part-time job to see if they could give him any extra hours, and we discussed the weekend side gigs he had lined up. He’s been working on a painting gig for a friend from church that should bring nearly $1000 extra income next month.

September Victories & Blessings

So here is the really good news: I remembered a friend had mentioned a couple weeks ago that his company was looking to hire a few people to work in their printing department.

The Mister called him and had an interview that afternoon. Today is actually his second trial day working for them, and we should know by this afternoon if they are going to offer him the job. I firmly believe that God’s looking our for us but also rewarding for having faith and handling our finances in manner consistent with scripture.

Also, we were able to breathe a sigh of relief that I had already paid cash for the jujitsu clinic where I’ll be taking my black belt exam, and I’ve applied for a scholarship to cover my exam fee.

I’m going to call the situation a blessing all the way around because we realized how much stronger we are in our relationship, faith and financial plan.

Has your family have faced a sudden job loss? What steps did you take to over come the situation? How does your family hustle extra income to help you meet your financial goals?

If you want to take control of your finances, I’d suggest reading The Total Money Makeover. Or go online to daveramsey.com to find a Financial Peace University course starting near you.

It might feel too early to be planning for Christmas already, but it isn’t if you want to pay cash this year. Check out how to take control of your holiday budget.

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