Josh turned 24 years old

That's 288 months and 1152 weeks.

we had a great day just driving around looking at junk cars and campers for his friend Tanner. Then we came back to the house and fried a turkey. We also made Dirt Cake. Ooh its SO Yummy! its got pudding and Oreos, then we topped it with Tonka trucks and sparking candles.

He was asleep by 9:30 though.

It was a good day and he had lots of fun, and some of his buddies came over and they played with their race cars out back. Its more like having a 4 year old not a 24 year old.

week 5 credit SHARKS

So this week was CREDIT SHARKS IN SUITS, it was also very good like every other class so here are some the highlights from that.

• Myth: You need to take out a loan to get a credit card to bring up your credit score.
• Truth: The FICO score is an "I Love Debt" score and is not a measure of "wining" financially.
• DO NOT WORSHIP AT THE ALTER OF THE GREAT FICO!!!!
• A collector is taught to evoke strong emotions.they want to make you feel afraid and angry.
• If you have bad credit they cant make it much worse.
• NO CREDITOR OR COLLECTOR MAY TAKE A BANK ACCOUNT OR GARNISH WAGES!
• They can only call you between the hours of 8am and 9pm.

week 4 extras/ One more reason NOT to get a credit card!

• the total American consumer debt is more that $2.7 TRILLION!!!


• There are over 1.3 BILLION credit card offers in circulation in America.


• 45% of Americans only make the minimum payments on there consumer debt.


• It would take 13 years to pay off the average credit card balance if only making the minimum payments of 4% at an average interest rate of 15%.


• A first time offense late fee can raise your interest rate as high as 34%.


• The credit card industry takes in $43 BILLION per year in additional fees.i.e. late fees, over-the limit fees, and balance transfer fees.


• Late fees bring in more that $11 BILLION of the $43 BILLION.

week 4 FPU

Ok, so I missed last weeks blog on FPU it wasn't too exciting for me so I can't realy think of anything to post about it.

This week was very cool!! Both Josh and I were stuned by the statistics and I will be posting some of those this weekend.
The lesson was on DUMPING DEBT!!! Perfect, I was so glad we went. We are not to bad off on credit card debt but it was very enlightining and it convinced us that we will NEVER get another credit card!! And we will encourage the people around us to stay away from them!!!

I will spend some more time this week posting but im going to go home for the night now but just thought I would let it be known that I will post soon.

Funny things from the DR show

Written by our own Chris Russell, courtesy of My Total Money Makeover.com.
I still have money in my "restaurant" envelope ... can I buy you dinner?
Would you like to dance? I'd love to show you my Baby Steps.
Why am I nervous about talking to you? Because you're better than I deserve.
Allow me to introduce myself ... I am "borrower", and you must be "lender".
Good thing I got just term life insurance ... because I saw you and my heart stopped!
You can't spell Financial Peace University without U and I.
I've already kicked Sallie Mae out. Want to take her place?
I just bought a bass boat with cash ... and it's a good thing, because you're quite a catch!
I'm not mortgage interest baby ... don't write me off.
The good news? I'm debt free. The better news? I'm also date free.
What would you say if I asked you out? (response: no). That's not good enough
Courtesy of one of Dave's listeners On a scale of 350-850, I'm a Zero!

To the Women

Why Women Cry...
A little boy asked his mother, "Why are you crying?"
"Because I'm a woman," she told him.
"I don't understand," he said.
His Mom just hugged him and said, "And you never will."
Later the little boy asked his father,
"Why does mother seem to cry for no reason?"
"All women cry for no reason," was all his dad could say.
The little boy grew up and became a man, still wondering why women cry. Finally he put prayed to God who would surely know the answer. When God responded he asked,
"God, why do women cry so easily?"
God said:
"When I made the woman she had to be to be made special. I made her shoulders strong enough to carry the weight of the world, yet gentle enough to give comfort. I gave her an inner strength to endure childbirth and the rejection that many times comes from her children. I gave her a hardness that allows her to keep going when everyone else gives up, and take care of her family through sickness and fatigue without complaining. I gave her the sensitivity to love her children under any and all circumstances, even when her child has hurt her very badly. I gave her strength to carry her husband through his faults and fashioned her from his rib to protect his heart. I gave her wisdom to know that a good husband never hurts his wife, but sometimes tests her strengths and her resolve to stand beside him unfalteringly. And lastly, I gave her a tear to shed. This is hers and only hers exclusively to use whenever she needs it. She needs no reason, no explanation, its hers."
"You see my son," said God,
"the beauty of a woman is not in the clothes she wears, the figure that she carries, or the way she combs her hair.The beauty of a woman must be seen in her eyes, because that is the doorway to her heart -
the place where love resides."

hi evryone