Do you have Financial Peace?


Recently I had the pleasure of going through Dave Ramsey’s Financial Peace University through a local church in my area. I was very reluctant at first. In fact, I think the first time I was introduced to FPU was about 5 years ago. For some reason, though, this time it clicked. Who doesn’t want Financial Peace?

Preconceived issues with money

At the beginning of the class we were asked to write and discuss our philosophy on money. This was an excellent exercise because I had a lot of issues with money and I wasn’t afraid to share. In my journal I wrote the following:

  • Money is the root of all evil
  • People with a lot of money are not philanthropic
  • Some debt is good especially for housing and education
  • Balancing a budget is as easy as looking at your ATM statement
  • If you need more money then you need to work more
  • If you can’t afford something then just put it on a credit card and pay off later
  • Truly religious or spiritual people do not care about money
  • Trips to Starbucks are a necessity!


In Dave’s first session, Super Saving, he literally gets to the core of what money is and isn’t. He also uses Biblical references to support his claims. I was dumbfound because almost everything I wrote about (in regards to my preconceived notions about money) Dave addressed. I felt like he was talking directly to me! I can honestly admit that all my preconceived issues regarding money were wrong!

Throughout the remaining 9 weeks we reviewed Dave’s videos, worked in our notebooks and discussed the concepts plaguing most people. We learned about the baby steps to Financial Peace as well as how to relate with money in our relationships, how actually plan and execute a budget, how to purchase big ticket items, how and why we need to save, and ultimately how to be more philanthropic.

You can take this course online or through a local church or organization. The curriculum was impressive. The videos are informative and easy to follow. The workbook severs as a guide to take notes and to further the understanding of the concepts. On Dave’s website there are countless additional resources and tutorials.

By the end of the class I was definitely sad. I really looked forward to Tuesday nights. I met some really cool people in the class who were in the same boat as I was in. Our facilitator was very open and honest with us, and did a great job of guiding us through the process.

If you live like no one else, later you can live and give like no one else ~ Dave Ramsey

I will be honest that in order for FPU to work, you have to do a lot of work. I probably allocate at least 5 to 10 minutes a day on my personal budget. I spend at least an hour a month reflecting on the previous month of spending and planning the next month. Since beginning the class, I have only used my credit cards twice and both times I paid those purchases by the end of the month. I have an active savings account. I have a plan to pay down my existing debt and not to incur more debt. Starbucks visits are a treat, not an everyday occurrence. I now view my relationship with money so differently. I use the Financial Peace University philosophy as a grounding exercise and budgeting no longer causes anxiety.

Check out this video about Financial Peace University

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