Dave Ramsey Total money make over.

Who does not love You tube when looking for free entertainment and resources and information and help for anything.

I found Dave Ramsey Total money make over.  I would suggest listening this audio book with a nice hot cup of something and sit back and relax. Its long. I have been listening to it in pieces. Its free and it has some common sense advise in it. Things that we should know but have over looked and do instead and that is why we are in the state we are in as adults.

This is a good read for any young people who are just beginning their financial life. It could save them a lot of grief down the road.

I am learning again how to budget, taking a good look at my bills and facing the reality of what is going on with our finances. I have to say that just taking these first small steps toward the bigger goal has been a blessing. Just knowing where your money is going is less stressful in a way. And watching numbers go down is also a good thing. Although not a whole lot of that going on here. But I just got started.

On my student loans. I did figure out a little thing with my privet loans or non government loans. I can pay them off individually if I get a lump sum in order to do so. My smallest loan is a little over 200.00. So if I save up or get 200.00 somehow I can request a pay off for just that loan. So that is a good thing for future reference. I did find something else out to. I had to do a small deferment to catch up 2 months worth a payments and the interest was added onto my loan making me owe a little more now. :(  This is how these loan companies make money off of us. We keep paying on the interest and not the principal and we are forever sending money into the loan company and never see the end of the loan or paying so much more than we should. We are stuck in a financial nightmare.

I"m not about to let my hard earned money go to the government forever on end and never see the principal of my loans be decreased. So in any way possible I'm determined to find a way to get this done and out of my life so I can move on to better things. Like a retirement, vacations, a newer car, fix up my house and so on.

I'm started with looking up any free information Dave Ramsey has available. I might venture into buying a book or two or attend a class if one pops up local. Why I chose him is because he is popular in his methods and people say they work. There are other people who I will most likely look up as well and review some old favorites from the past.

Since I"m getting another education on how to pay for my education I think I should make myself a bachelors degree from you-tube and internet university. I wonder if an employer would accept it on a resume??