Before I got to the point of financial peace by attending the Dave Ramsey Financial Peace University, I had mounting debt and was irresponsible with spending and planning. I left the military in 2012, worked in the private industry, doubled my salary, went through unemployment following the furlough fiasco and was still able to successfully pay off all debt, save thousands, and purchase a home!
I paid down my debt using the snow ball method. Paid the lowest off first and used the extra money once paid off towards the next lowest debt. I cut up all of my credit cards and used only cash or my debit card.
My credit score increased dramatically. I was approved for a mortgage and purchased my home in a little over 3-weeks! I prepared a year in advance by attending a HUD Approved first time homebuyers course. Plus carefully monitored my credit.
I landed a job through hard work applying daily for positions, but consider this…I was unemployed for 4-months! In the interim I served as a political consultant and I established a non-profit The Next Chapter, which cost several thousand dollars out of my own pocket to incorporate. Never once did I worry about bills because I had savings, a budget, and a plan.
My quality of life did not suffer. I gained financial peace in less than two years! Discipline+Purposeful Planning+Goals
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