which i’m pretty sure qualifies me for first class tickets to financial hell… but i don’t care. i find him intensely irritating, and also that his financial advice is in many ways oversimplified and somewhat patronizing. first and foremost:
“live like no one else so that you can live like no one else.”
i get that it makes sense to live leanly in the now so that you can have a better debt free life later on… but he makes it seem like you’re going to be able to winter in morocco or send your kids to boarding school if you can just pay off your debt. yes, i will be able to afford more once my bills are paid, but not that much more. doesn’t good ole dave realize that most people don’t make that much money? a debt free life is absolutely better, but it isn’t necessarily the path to the upper middle classhood that seems so enticing. sorry dave, some people can only tighten their belts so much before things start to get RIDICULOUS. i recently read a “we did it” account where the person was so excited to be out of debt because now she could feed her child hot dogs ON BUNS (just like on tv!) instead of naked hot dogs. um… lady, if you’re feeding your toddler on a steady diet of hot dogs in order to save cash- you’ve got some bigger problems.
I also have a really hard time with the overt religious overtones. basically, i don’t give a shit how much the snowball method could change my life, if all of your converts are praising the lord in tandem with praising you. it’s alienating for those of us who don’t put the “kingdom first”. basically, as soon as somebody drops the J-bomb, i’m outta there. (sorry jesus, nothing personal!).
but then there were puppies. yes, puppies (see adorableness above). the boyfriend and i have decided to invite a dog into the relationship, and are realizing that it’s gonna be stupid expensive. shots! crates! puppy playgroups! fancy kibble! and a bunch more stuff we don’t even know about yet. plus, the cost of the dog itself. but we don’t care because hello- PUPPIES!! (are you looking at these guys?). but, we have to care because it’s money. thus, i’ve decided to put my irritation aside (although i’ll still be trying to sidestep the jesusy bits), and give the ole dave ramsey patented rice and beans financial diet a try in attempt to save some extra cash this month for the impending puppiness. here are the rules:
1. $80 will be withdrawn on each sunday morning. $30 will be for groceries, $50 will be for spending money/incidentals during the week.
2. all cash remaining at the end of the week will be placed into a repository (TBD) to be evaluated at the conclusion of the month.
3. bills will be paid as usual, but the debit card will only be carried on sundays at the time of the withdrawal.
4. a several times weekly journal will chronicle my financial misadventures trying to live low on the hog.
maybe this doesn’t seem crazy or “beans & rice” level at all, but being a girl that goes out to eat at least half of her meals per week (and has been known to drop upwards of $60 on a single meal), and spends at least $30 a week on flea market bargains and target endcaps… it’s a sacrifice- i promise. will i be able to keep up my current lifestyle under the financial tyranny of dave ramsey? probably not, but you can enjoy watching me struggle! it’s time for me to remember how it really is to be broke. how little could you live on?