Friday, March 05, 2010


Week 3
Cash Flow Planning

Dear Myron & Sally:

This week you learned how to manage your money with the zero-based budget. Remember, take control of your personal finances, instead of letting them take control of you.

Class Notes
Spend your money on paper, on purpose, before the month begins. Budget each paycheck and all income sources. Be patient. It usually takes around 90 days for a budget to start working.

Use the envelope system for successful cash management. When the money is gone from an envelope, it's gone. Decide, categorize and prioritize all the money that goes in and out.

Helpful Tools
The MRC is full of great tools to help you work your budget. You can set up your gazelle budget online—a more detailed version of the quickie budget you filled out last week. Plus, get a refresher on how to balance your checking account!

Get a deal on Dave's Deluxe Envelope System—one of our most popular items. If you missed any of Dave’s radio shows this week, check out our FREE one hour podcast of The Dave Ramsey Show.

Homework Reminders

Print a copy of your budget to bring to the next class.
Need some encouragement to get your budget started? Read these success stories to see how others made a plan with their money.
Make sure to develop an entire cash flow plan this week! In next week’s lesson, Dumping Debt, Dave will discuss some money myths and how to get “gazelle intense” about overcoming debt.



Blogger Myron Holter said...

I received this email from the webmaster of fpu

We have a small group attending this 13 week course.

We're lifetime members.

March 5, 2010 at 4:36 AM  
Blogger USHANABI said...

I attended a men's retreat this past weekend (retired Pastor Bob Cottingham [North Heights Lutheran Church, Arden Hills, MN] presenting) on "The Cost of Discipleship" where one of the references was to Mark 8:36 and on the way to Easter it looks like this (in The Message version):

27 Jesus and his disciples headed out for the villages around Caesarea Philippi.  As they walked, he asked, "Who do the people say I am?"

28 "Some say 'John the Baptizer,'" they said.  "Others say 'Elijah.' Still others say 'one of the prophets.'"

29 He then asked, "And you—what are you saying about me? Who am I?"

Peter gave the answer: "You are the Christ, the Messiah."

30-32 Jesus warned them to keep it quiet, not to breathe a word of it to anyone.  He then began explaining things to them:  "It is necessary that the Son of Man proceed to an ordeal of suffering, be tried and found guilty by the elders, high priests, and religion scholars, be killed, and after three days rise up alive."  He said this simply and clearly so they couldn't miss it.

32-33 But Peter grabbed him in protest.  Turning and seeing his disciples wavering, wondering what to believe, Jesus confronted Peter.  "Peter, get out of my way!  Satan, get lost!  You have no idea how God works."

34-37 Calling the crowd to join his disciples, he said, "Anyone who intends to come with me has to let me lead.  You're not in the driver's seat; I am.  Don't run from suffering; embrace it.  Follow me and I'll show you how.  Self-help is no help at all.  Self-sacrifice is the way, my way, to saving yourself, your true self.  What good would it do to get everything you want and lose you, the real you? What could you ever trade your soul for? (Mark 8:27-37, The Message)

Over and out for now . . .

March 8, 2010 at 4:46 PM  
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