As most of you know, I've been involved in Dave Ramsey's financial class, "Financial Peace University" for a few months now. I have two more classes and I'll have completed his thirteen week course. After three months of budgeting, it's supposed to get easier.
Except I'm starting over completely now, after the car repair/ flying to NJ thing from last week. Sigh. My emergency fund is completely wiped out (one I worked hard on, one that took me months to even get to $400!), I owe MORE money to a family member...I'm going down, not up.
It's really frustrating! I was doing pretty well with the whole budgeting thing, but this month is just down the drain between Lyn's visit and then my Grandpa dying. I have about 10 days left of being in BC for December and the rest of the time I'll probably be at my parents' for Christmas break...so I'm going to readjust my EF ticker back to 0 and begin again in January. Dave probably wouldn't agree, but I'm curious as to what he would have done in my position: not enough money in the emergency fund to pay for a car repair AND transportation to a family funeral? I already work 2 jobs, I don't have a fancy car payment, I shop at Aldi-- there's not much for me to cut out! I'm almost tempted to email him and ask...haha!