Welcome

Hello! My husband (Kyle) and I (Frieda) have decided to go through Dave Ramsey's Baby Steps as outlined in his book The Total Money Makeover, as well as take his course Financial Peace University. We will also be doing the Financial Peace University course with our friends Maranda and David.

We are very excited to get our finances in order, live within our means, and get out of debt! Dave says, "If you will live like no one else, later you can live like no one else." Basically meaning that if you're willing to sacrifice now, later when you are debt-free you will be able to live however you like because you will not be bogged down with monthly payments, your income is yours to do what you will with. Sounds exciting!

We have been married since May 2009 and we have our first baby on the way, due on June 10th, 2011. It is a girl and we will name her Emmeline. For two months we thought it was a boy and were going to call him Dexter Charles, but a later ultrasound confirmed that he was a she! We feel that with the baby on the way, this is a crucial time to begin to get our finances in order to be able to provide a better life for our daughter and to teach her through example that debt is dumb and cash is king!

Kyle is currently in tech school for the United States Air Force. We are waiting to see what will happen with him, he has a few fractures in his left foot and is on a medical waiver for the next month until it heals. He may be discharged for it and will have to re-enlist after 6 months to continue with his tech school training. He graduated Basic Training on February 25th. 2011.