A year ago, I came so very close to completely abandoning the Dave Ramsey bandwagon I had so eagerly jumped on in January of 2010. By this time last year, we were easily creating monthly budgets, having calm discussions about where we should or should not be spending our money and we had even called into the Dave Ramsey show to do our Debt Free Scream!
You would think that by doing all that, I wouldn’t be so quick to just abandon all the processes and concepts I had learned.
Yes, you would think that wouldn’t you?
Well, you might be surprised. I had over 20 years of bad money habits that needed to be changed so it is still WAY to easy to fall back on those. Especially when things happen “unexpectedly”. I use that term very loosely because this was an expected reality – we just thought we had more time.
To make a long story short, this time last year we got the news that my car had died – again. Transmission issues – again. We had already replaced the transmission once and had vowed not to do it again.
My first thought – How in the world am I going to find a car for the cash we had saved?
My second thought – How am I going to find one in four days or less for the cash we had saved?
My third thought – This is going to be an impossible task.
I should add here that losing this car was like losing a member of my family. I was SO emotionally attached to that car! ( yes, I still miss it ). I allowed the emotion to over rule my logical thinking process.
I got to work – calling dealerships and used car places, putting the word out on social media. I needed a car FAST! I quickly became very discouraged. There were cars, but for more cash than I had to spend. The other thing? The more people found out I needed a car, the more I heard this: “You can afford a payment, you are debt free – just go get a car”.
Oh, those voices were loud and clear and the more I heard them, the more it made sense.
I needed help. I needed support. I was so close to jumping off the bandwagon because it was “easier”. I needed to be reminded of the bible verse from Proverbs 10:4, “the diligent prosper”.
Luckily for me, I knew just where to go for that support. My like-minded thinkers of the Dave Ramsey philosophy. I needed their voices to drown out the voices I was hearing. I needed their advice and support. I needed to stay focused on the plan.
A year ago, I paid cash for a new to me car. Because, you see, I listened to the voices of my like minded thinkers. I remained diligent to the process. I didn’t jump off the bandwagon at the first sign of things becoming difficult.
My reward for staying diligent? Paying cash for a 2007 Saturn VUE previously owned by my mechanic.
Why? Because the day before my car died, he and his wife had a conversation about selling that car. Once he found out I needed a car, he called me and offered to sell me his and agreed to the take the cash I had to offer.
The lesson here? When you are making a change and committing to a new process or new mindset, you need to surround yourself with like-minded thinkers. You need to rely on, listen to and be surrounded by their support.
You stay ON the bandwagon!