Financial Peace University

[Ilovebigcats]

Have any of your been through it?
We started last night. WOW. It was really good. I think Dave is arrogant but that doesn't make what he says wrong. LOL! I could see a lot of error in my life last night.

We are working on baby step #1, $1000 in an emergency fund. Shouldn't be too hard... I can see how it would be very comforting and exciting to know that it is there. My problem would be not spending it. I have to change my way of spending. Big time.

I think we will probably give that money to Danny's Dad to hold for us. I know he wont give it to us unless there is an emergency and I don't have to worry about him dipping into it himself. LOL!

I have been taught or impressed upon that money is evil. How very wrong. He gave an excellent visual on money being amoral. Opened my eyes to error in own personal belief. I am excited to change yet another area in our lives for the better.

WOW! The very real Jesus and counseling we have encountered at Cedar Ridge Church has changed so much of our lives TREMENDOUSLY in less than a year... MORE than my entire life... (aside from forgiving all my sin)... I am amazed.

[MrDanger]

Yep. Not only did Kimmy and I go through it, I also teach it here at school. That is the class my student was surfing the net in.

[Ilovebigcats]

Yep. Not only did Kimmy and I go through it, I also teach it here at school. That is the class my student was surfing the net in.

They need to do the $2000 a year saving deal for their retirement!

Makes you slap your forehead when you get our age!

[MrDanger]

I beg and plead with them over that. Start now. I have one student last semester that has already gotten their parents on a budget.

[Paully_44]

Have any of your been through it?

Haven't heard of it, what is it?

I google it, go to their homepage and enter my zip code. The only returns are for local area churches. Is this a new church program?

[Ilovebigcats]

Have any of your been through it?

Haven't heard of it, what is it?

I google it, go to their homepage and enter my zip code. The only returns are for local area churches. Is this a new church program?

Ever heard of Dave Ramsey? It is his plan for financial freedom and peace. No debt and no credit. Live off cash. It is really interesting.

[rjjunior]

We're hosting FPU at our church beginning in March. Hoping to get a few from the community to participate.

[PastorDaniel]

I'm actually a financial planner at a firm in Chattanooga that serves as the ELP (endorsed local provider) for Dave Ramsey.

He does have ego...but he's also a Christian and runs his business as one.

[Linda]

Cats, I am really thrilled to hear what you and Danny are being taught and encourage you to learn as much as you can. Just wait and see how successful you can be when putting it into practice. My hubby and I have never taken the course, but I have heard that it is really good. When we were first married, we decided that we would live "within our means" and only use a charge card for emergencies. We would only have loans on a house or car. It was really hard at times and even when I went back to work, we still lived only on my hubby's paycheck. God has blessed us in so many ways, I would never be able to write it all down. I'm not telling this to be boastful, but to show what God can do for you financially. We have paid cash for the last 5 cars and our current home. It all was because we made a commentment to God to let Him control our finances. I give God total praise and glory because I know we couldn't have done this without His continued help.

May God bless you in this part of your lives.

[Dr. Ron]

Once again .....thanks for the "unsolicited" testimonial!!!!!

We are glad we have programs to impact people's lives for the better. That is the bottom line at Cedar Ridge!!!!!

[stevenson]

I've been through FPU and think it's great! But I need to share one thing.......Dave Ramsey says you shouldn't use credit cards....but he doesn't have a problem taking your credit card to pay for FPU! LOL!

[Ilovebigcats]

I've been through FPU and think it's great! But I need to share one thing.......Dave Ramsey says you shouldn't use credit cards....but he doesn't have a problem taking your credit card to pay for FPU! LOL!

Well.. he knows he is dealing with people that use them. It could prevent someone from taking it if they couldn't use their credit card. Then he turns around and teaches you how to pay that sucker off.

[stevenson]

I know why he does it...I just find it funny! I saw him down at Catalyst in Atlanta, Ga last October. He's a great speaker.

[MacUser]

I'm not a follower.. but I've heard he's really helped many people out and that's great. Use what works for you. I think I seen Dave on Fox Financial Channel. He had a weird tux on and was showing a video of some of his students shredding credit cards. I think I caught the end of his first show?

Concerning a cash only life.. I really don't have any problems with Credit or using credit cards.. it's all about living within our means foremost. It's a tool like anything else.

My parents told me many moons ago.. that don't fear credit.. because it was the only way they were able to buy a home, build a business and/or buy critical expensive things. They retired recently from a successful family business that my brother now runs. The core things were buy smart and be sure you can pay the note... three times over each month before you commit. If you can't do that.. don't do it. Plus pay it off early to save interest if simple.

[darylscook]

Dave doesn't take credit cards, he only takes debit cards that use the VISA/Mastercard system.

https://www.daveramsey.com/shop/Store_FAQ_W26C113.cfm#debitcardpolicy

Debit Card Policy


We understand what is running through your mind right now. "I can't believe Dave Ramsey is accepting credit cards! This can't be true! He's sold out on his principles!" But before you shave your head and run outside on your front lawn screaming, "The world is coming to an end, save yourself!" let's clear up a few things:

Number 1 - We are NOT accepting credit cards! Never have and never will. I mean, come on, do you listen to the radio show at all? Have you ever heard of a plasectomy? Please understand that accepting credit cards is something that will NEVER happen as long as Dave is still alive (and even forever after that!)

Number 2 - We are accepting DEBIT cards. We know that some people will go nuts when they hear that, but one factor is being overlooked. Debit cards do not work unless there is CASH available.

Number 3 - It was time for us to align our company policy with the advice we give our listeners. Dave recommends the use of debit cards for several items such as, Car Rentals, Hotel Reservations, and Internet Purchases. Dave personally carries and uses debit cards for online and phone transactions. One day we realized, "Hey, we are telling people that it's okay to use debit cards for purchases, but we're not allowing people to do that with us."

So don't worry! The Titanic is not rising, the sky is not falling and Ed McMahon is still not coming to your front door. We understand that some people will get upset over this decision. We also understand that some people will say we are selling out. However, all we are doing is simply aligning ourselves with the advice we give America.

DEBIT means CASH. CREDIT means CREDIT - and honey, we don't do that around here!

* The Lampo Group, Inc. and Dave Ramsey recognize that the Visa and MasterCard virtual monopoly on the debit card industries prohibits merchants from only taking debit cards. As such, it is impossible for us to ensure that every order has complied with our debit card policy. We trust that all of our customers hold EXCEEDINGLY high levels of INTEGRITY and maintain EXTRAORDINARILY high standards of TRUTH and HONESTY. Basically, anyone ordering from us who does not follow this policy is a shady and dishonest character. Don't put yourself in this group. You're better than that. Stick to our policy, NO CREDIT CARDS, and make us all happy.

Daryl