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Duffbert's Random Musings is a blog where I talk about whatever happens to be running through my head at any given moment... I'm Thomas Duff, and you can find out more about me here...

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Co-author of the book IBM Lotus Sametime 8 Essentials: A User's Guide

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Co-author of the book IBM Sametime 8.5.2 Administration Guide

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Taking Dave Ramsey's Financial Peace University course...

Category Everything Else
Based on reading the book The Total Money Makeover, my wife and I decided to sign up for a 13 week seminar called Financial Peace University put on by Dave Ramsey (actually, his organization...  not him in person).  This may be the best time commitment we've ever made...

If you head over to his web site, you can find out about the plan.  It basically involves building up an emergency fund, then eliminating debt, and so on through "building serious wealth".  It's all information you've likely heard before in various forms, but his motivation and focus are infectious.  I appreciate the fact it's not "gimmicky", in that you're following some "get rich quick" scheme.  It's hard work, but it's solid advice.

Fortunately for us, we're not a poster child for a turnaround story.  We're actually in relatively good shape, comparatively speaking (although looking at our finances, that's a scary thought).  It's just that I know we could be doing so much better.  And I don't want to retire with a review copy of 101 Ways To Prepare Alpo (And Love It!).  Although we're only starting week 3, we've already made major strides.  And last night was the first time my wife and I have had a money discussion in a LONG time (ever?) that didn't push buttons and fan flames.

And who knows?  Perhaps discipline in this area will lead to better discipline in other areas...  like home maintenance...  :)


Gravatar Image1 - Tom,

Good luck on your Money Makeover!!!

The thing that brought me here was your LEAP application. It seems that the link to download the app is dead. Could you please send me a copy? It looks like something I could use.
- Michael

Gravatar Image2 - I am a big fan of Vanguard's low expense ratio and no sales fee mutual funds. I'm into their index funds (mostly). Here is a link to the Vanguard Diehards site for free advice. There are a lot of authors who post free info. This is not a pitch or anything but this site has been very helpful over the years.


Gravatar Image3 - Bub, I'm proud of you for getting on board with Dave Ramsey's debt free plan ... it makes tons of sense, doesn't it? It's great that you're doing OK with the dough, but want to do better. Way to go and good luck, jack. Thanks for spreading the debt free word!

Gravatar Image4 - I went through FPU last summer and you're right, his attitude is quite infectious. I love his "I'm sick and tired of being sick and tired!" bit. Hope you continue to enjoy it!

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Thomas "Duffbert" Duff

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