Good evening!

ok, maybe “good” is too strong of a word!!

In all honesty it has been a “meh” kind of an evening!

No, what it has really been has been a O-M-G-I-JUST-CUT-UP-ALL-MY-BELOVED-CREDIT-CARDS-THIS-HAD-BETTER-BE-WORTH-IT kind of night!

Hee-hee-hoo-hoo-hee-hee-hooooo!!!

OK, so maybe I had better start at the beginning…

God has really been convicting me to get my financial house in order! Now that I have seriously dealt with my marriage, then my church home/spirituality, and have taken HUGE LEAPS in my health, I know that He is telling me that it is time to stop being a dang fool, always living for today, dreaming about tomorrow but never doing anything about it! So tonight, Jason and I attended our first night of Dave Ramsey’s 9-week Financial Peace University class at one of our local churches, that I just happen to drive by on the way to work every day!!

There has been a large banner posted at this church, advertising that this class would be coming, and I had seen this add the few times the class had been offered before. I kept trying to get up the courage to go take this class, and for the life of me, I just could NEVER seem to make myself do it before!! I know, I am SUCH A CHICKEN!!! 😉

Anyway, I had finally decided that because I have gotten so many other things that had been flailing around in my life back in God’s hands, it was time to do the same for my finances!! The other things were:

1. My Marriage DONE!
2. My Spiritual Life DONE!
3. My physical health WELL ON IT’S WAY TO BEING DONE!!
4. My finances

and eventually my list will also include:

1. My Home
2. My Career
3. and My Free Time/Fun

Soooooo, like I said, after driving by the Financial Peace University class notification sign every day for the past few weeks  – I knew it was NOW OR NEVER!! So, to the chagrin of my sweetie, I signed us up (at the very last minute, mind you, because I was trying all week to figure out a way to rationalize my way out of going), and thankfully, this evening, he came along with me – even though he was a-whining, a-kickin’, and a-screaming the whole way there!! Nevertheless, we both showed up, and on time, but just barely!! 😉

I am not sure if you have ever heard of Dave Ramsey or of Financial Peace University, but those of you who have followed my blog for a while know that I had gone through Dave’s Total Money Makeover a few months prior. I KNOW what I should be doing, but the step that is even before step 1 is to cut up your credit cards, and for some reason I just COULD NOT DO IT!! The whole plan had to be stupid, because didn’t Dave KNOW THAT I NEED MY CREDIT CARDS???

Ok, I realize that is the same pathetic attitude that got me into the crazy kind of debt that I have gotten myself into in the first place, and I know that if I want to live a different life then I have to LIVE DIFFERENTLY!! So tonight, I did the unthinkable – more than just going to the class.

I have made a commitment.

A commitment to what I know God has been telling me to do.

A commitment to the process.

and a commitment to just putting my big girl panties on and cutting up my credit cards!!

I had 6 credit cards to cut up, well, 8 if you count the 2 practice cards that I added to the stack just to “practice” the cutting of the cards motion (I had two cards that had expired that I had never done anything with, and cut those up for practice!) Sad, I realize!! 😉 but, anyone who has had a love love relationship with credit cards know that they can be deceivingly fun!!!! Or at least that is what I have been telling myself!! Foolish me!! By the time I got to card number 5 (of the now 8 credit cards), I had to call in reinforcements because my hand was cramping, and Jason came in to help me finish the job!! He is kind of like my plastic hit man!! Thanks, Babe!! I really needed that!!!

The hardest card of all of them was my Nordstrom card, which I had saved for last and I have to tell you, I seriously had to have a “come to Jesus meeting” when I finally did get to that card. I have put so much value in these cards. Ever since I was a little girl I remember thinking that rich people did or have a list of certain things, and one of them was having a Nordstrom card. (a couple of others were, rich people drank tea, and rich people had clean houses – who knew???) Anyway, I digress! For some insane reason, I had made it ok to spend on my credit cards because somehow I had earned the right to be in crazy insane debt! Isn’t that really what the American dream is??? I know all my friends are doing it!! Even so, I know it is time to jump off of the band wagon, and just like Dave Ramsey says, it is time for us to live like no one now, so that we can live like no one later!!

Scary steps being made tonight, but you know what? I feel a cool sense of peace about it, like I have made the right decision, and that everything is going to be alright!! My tomorrow will be so much richer, both figuratively and literally, and I know that God will be able to do so much more with us and our lives if we are able to give back in a more substantial way. Now, I know that cutting up our credit cards was only the beginning, and it may take us years to actually make through the next 4 of the 7 step process, but I know that THIS TIME I am not trying to do it alone; and isn’t that all that really matters??

Here is to a PEACEFUL-NEW-BEGINNING kind of evening!!

 If you want to have a different life, you have to live differently!