Thanks again, Dave Ramsey (I think…)

The bottom-line-on-top message is this:
Rob was let go from his job this past Friday
:-(

But if you want the extended happier, silver-lining version, then read on :-)

*********

It was a little more than 2 years ago that I had the pleasure of posting this blog

thanks Dave Ramsey, we’re now debt free

And then just one short month after we got out of debt, Rob was laid off from his job. Dang-it!

There were a series of posts following this about how truly fortunate we felt with the timing of this rather unfortunate event. Because even though we were without an income, we felt relief because there were no car payments or Rob’s student loan payments for his master’s degree remaining that would cause additional stress to the already burdensome experience of unemployment. Now don’t feel you have to read any of these (or even this one!) I know that I can be VERY longwinded in my writing, but much of that is because I want to be a thorough documenter :-) So in this post, I am including the ones below because I want to keep all related posts easily referenced in this new one. I do like things to be organized!

*Let Go & Letting Go
*Promise and Provision
*ummm…. he doesn’t have any money
*vomit+broken shop vac = a visit to church (using providential math to see the good)
*wait! I am not a good person yet!!

Dave Ramsey’s Financial Peace 13 week class, that we had gone through shortly after the twins were born, gave us the tools and mindset necessary to pay off more than $55,000 of debt in 3 1/2 years! In this program there are these “baby steps” that are the path you follow to “financial peace.” When Rob was laid off last time, we had only completed the first two steps. Step 1 – we had $1000 dollars in the bank for our emergency fund. And step 2 – we had paid off all debt except for our home. However when Rob was let go, we had only just started on step 3 (have 3 to 6 months of living expenses in savings). As one could imagine, without having money saved up to pay our mortgage, utilities, and food expenses, we didn’t have as much “peace” as we could have.

But we made it! And we felt so thankful that Rob’s unemployment time lasted only two months. Once the income of his new job started coming in to play (which was significantly less than the one he had prior), we started immediately trying to knock out baby step 3 and get up to 6 months savings in the bank. And we did!

So convinced were we about Dave Ramsey and the positive impact his principles on finances can have on one’s own personal economy, we really tried to find ways to teach others. It was just a couple months ago that we started a 13 week Financial Peace class in our home with 4 other families. It went really well and everyone completed the course with “gazelle intensity” in wanting to attack their debts and get to a point where they were building wealth with their finances and able to give generously.

Then something happened.

Not even a week after our last class, Rob got the phone call (this past Friday) that he had been let go. Coincidence? Ironic? Providence? So many thoughts here!

But one thing is for sure. Because we were following along with the steps Dave Ramsey advocates for, we are prepared and we do have a peace about where we are right now. We have the 6 months of living expenses saved up. And (this is just really cool) we already had money saved up and set aside for my sister’s wedding in Cancun this July that we are going to!

So thanks to Dave Ramsey, this unemployment go round has us equipped to be in a much better financial situation.

But I am seriously beginning to wonder if we should NEVER teach this class again (because our plan was to do it over and over…) I will be so nervous at helping to facilitate at a future time; because it seems to follow that upon completion of something Dave Ramsey related, a big time negative financial event occurs! that is not really my mindset, but it is rather humorous how it keeps working out that way :-)

However, I know ultimately Who is in charge! Was it just another coincidence that the same worship song we sang at the main church service the Sunday following the first time Rob was let go was the exact same one we sang this Sunday in the kidstuff service? I think not!

It was Matt Redman’s song – Blessed Be Your Name

Blessed Be Your Name
In the land that is plentiful
Where Your streams of abundance flow
Blessed be Your name

Blessed Be Your name
When I’m found in the desert place
Though I walk through the wilderness
Blessed Be Your name

Every blessing You pour out
I’ll turn back to praise
When the darkness closes in, Lord
Still I will say

Blessed be the name of the Lord
Blessed be Your name
Blessed be the name of the Lord
Blessed be Your glorious name

Blessed be Your name
When the sun’s shining down on me
When the world’s ‘all as it should be’
Blessed be Your name

Blessed be Your name
On the road marked with suffering
Though there’s pain in the offering
Blessed be Your name

Every blessing You pour out
I’ll turn back to praise
When the darkness closes in, Lord
Still I will say

Blessed be the name of the Lord
Blessed be Your name
Blessed be the name of the Lord
Blessed be Your glorious name

Blessed be the name of the Lord
Blessed be Your name
Blessed be the name of the Lord
Blessed be Your glorious name

You give and take away
You give and take away
My heart will choose to say
Lord, blessed be Your name

Advertisements
This entry was posted in faith,, quick and tagged , . Bookmark the permalink.

2 Responses to Thanks again, Dave Ramsey (I think…)

  1. Julie P. says:

    JoAnna, I will be praying for you and let me know if there is ANYTHING that I can do for yall! Love your post about it, there is always joy in suffering, and it seems you have already found it! And I know God will show you much more as He reveals His plans for your family.

  2. Brie says:

    Well, with your awesome garden, you should have no trouble putting fresh veggies on the table all summer! :-)

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s