Frugal-guy

Normal guy learning the ropes about money and sharing them with everyone. As long as what I say helps one person, it is worth the time. I learned about money the hard way. By losing it. That will not happen again. I hope this helps you. Browse my archive for more useful info. All funds earned and donated from this page go directly to the literature and education of personal finance to members of Crosswalk Church http://www.crosswalkphoenix.com/ Thank you for your time and generosity.

Quarter is done. Time to prepare for the next one.

Quarter is over for Generation change.. .. .. .. .. .

I am honored to teach Generation change to my congregations teenagers.  I had 11 kids sign up.  At the end 9 finished. 

They learned about

marketing how they want your wallet

learned about their personal value that they are more than their stuff.

Budgeting

balancing checkbooks

preparing for the workforce.

giving

beware of student loans

charge cards & credit cards. How they trap you.

investing for retirement

plus many more small details that were brought up by them in discussion.

Now it is time for me to prepare for the next quarter.  Financial peace university.

Dave Ramsey refilmed his whole course reducing it from 13 weeks to 9 weeks.  I am pretty psyched to teach this course again.  He has guest speakers now in most of his lessons.  I am looking forward to it.  I strongly encourage everyone to take the course.  I put a link where is says financial peace university click it watch the video.

These past three years to our debt freedom have been an interesting journey.  Criticism. Motivating others. and so on and so on.  I have been able to help so many people by devoting my time and just sometimes listening.  I thank Financial Peace University in leading me in the right path.  Now I am on my own journey led only by me.  I hope to be that drop in the water I talked about so long ago (seems long) that makes those mini waves that hit other drops waves. Expanding. Growing.  Reaching out to others that need a little guidance. 

The more I learn the more I humble myself into the realization of how little I knew.  Which encourages me to learn more.  Take the course guys.  It will change you.

Be smart. Be frugal. Be a better you.

Richard