Problem: My cynical attitude toward participating in Financial Peace University
Solution: Blog About It
I must deal with my pervasive bad attitude about Financial Peace University (FPU). I've already admitted the problem so I don't need to go there. Tonight is the first class and they've already cashed my check for the $99 registration fee.
I have nothing (major) against Dave Ramsey and Financial Peace University. I actually think the man is a great communicator. At face value, I believe a majority of the success stories I hear from FPU graduates.
What's my problem? I am so stinking cynical about the commitment I made to attend FPU with my wife for the next (16?) weeks. I look forward to the precious time with my wife but I am rolling my eyes at everything else.
Basically, my attitude revolves around the following thoughts:
1) My family lives off a budget I have in my head. It works. When it doesn't, it's because we don't bring in enough income, and our single income lifestyle is 100% our choice.
2) I have not charged a single penny to a credit card in 3 years. We are currently on a plan to pay off all our credit card debt in the next two years. That day will be a great day, but for now, it is what it is.
3) How will FPU help me improve my financial situation? I feel like we are doing all we can.
4) I was employed in the financial world for 8 years so I know all about investment strategies and insurance requirements - they both take extra money we certainly do not have.
5) I do have specific financial goals for my family in 2008. I welcome advice on how to implement and stay consistent with these goals but based on talking to other FPU graduates I don't think we'll be dealing with my goals in any of the courses.
Obviously God is going to do a great work in my heart. I am ripe. My expectations are all messed up.
To hold my self accountable to focusing on God's expectations, I've decided to objectively blog about my time at FPU. I promise to ring out my dirty attitude and I think what I encounter may be beneficial to others.