Early on in our marriage we decided we wanted to be debt free.

So we went through Dave Ramsey’s Financial Peace University at a local church in Tigard, OR.

We stopped eating out so much, started budgeting and paid off all our debt.

It was a great feeling when we finally paid our last debt (we had less than $20,000 so it wasn’t a crazy amount but it still felt great).

Another positive side effect of learning how to budget money is that it also teaches you how to budget time.

For example, most people think the solution to their money problems is that they just need more of it.

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