twitter – Thinking Out Cloud

Fix by Force

By Jason Warne
Published by WestBow Press

This is a story of a young 17-year-old boy named Spencer. A high school student. Like many others of course relentlessly bullied at school, dealing with his father’s death, his mother’s illness, and everyday life battle as a teen. Part of the time he is trying to figure out who he really is and uncover a story of himself in a town that just won’t allow it to happen. His biggest fear is to become a shadow of his old man. Poor kid tries so hard and everything backfires. This book will keep you up reading till the end. Overall, a good read. I enjoyed it, also found the story interesting.

Book Description

Drawn from personal experiences, this fast-faced story about self-image, relationships, choices, and sources of hope aims to speak to those readers who seek authentic and relatable characters they can identify with in real-life situations. Spencer doesn’t have a choice. He can’t choose to be different than what he is—the son of the town’s worst enemy, the weakling who can’t stand up for himself, the loser without friends. He can’t change the way things are. Or maybe he can. Spencer believes he needs to fix his life, and that is what the steroids promise—a quick fix.

BookLookBloggers.com Reviewer copy provided for Eliane Filho in exchange for an honest review.

I received this book from BookLook in exchange for a review. All thoughts and opinions are my own.

Let’s start today with what I did to become frugal and try to be Debt free.
My husband inspired me by listening to ” The Dave Ramsey Show ” and he came home one day and said, can you listen to this guy I think he’s awesome. I decided to listen to Dave Ramsey for the first time and I thought to myself. Can we do this? Can we really be debt free? Is it possible to pay over $10k of credit card bills and actually live like ” No One else, so later in life we can live like no one else? __ Dave Ramsey”

So, who is this Dave anyways?
Dave Ramsey is a personal money management expert, radio talk show host and TV personality who over the years has helped thousands of people become debt free and change their financial lives.

Before I started to listen to Dave, we had to make a decision, to either listen and apply or don’t do it at all. I started to believe we could and believed in GOD we could do it. AM I there? no! not yet, but we have a lot less to go. 🙂

We started with Dave Ramsey’s baby steps that are

Baby Step 1 – $1,000 to start an Emergency Fund
Baby Step 2 – Pay off all debt using the Debt Snowball
Baby Step 3 – 3 to 6 months of expenses in savings
Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5 – College funding for children
Baby Step 6 – Pay off home early
Baby Step 7 – Build wealth and give!
we are obviously not anywhere close to where we would like to be, but we will get there.
We had to make some sacrifice, especially at the beginning. It’s not easy because it requires sacrifice. And it’s not a lot of fun. We started less than a year ago.
So, I decided to start looking at all the ways I could save, and I started doing the frugal mom thing (Coupons) I save over $200 a month just on coupons alone. Some people are embarrassed to use them, I’m not simple as that. they are there to help you and you’re not stealing from someone, So why not?

A lot of people talk about how to change their financial lives but never touch on the fact that if you or your spouse isn’t ready to change, it isn’t going to happen. You have to want to change.
His plan might not be perfect for everyone, but it does point everyone in the right direction.
What is your life’s purpose? When you find it, you’ll find the motivation you need to live according to your financial plan, even when it’s tough. Making these steps require a budget. In order to succeed with these bigger goals, you’ve got to make it work day-by-day. Paying off your debt snowball requires snowflakes. And you and your spouse need to regularly communicate.
Give it a try, visit the Dave Ramsey site and other budgeting sites and get started. Believe me, It’s never too late 🙂