• January 2006
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I have begun a class on Tuesday nights called Financial Peace University by Dave Ramsey. Now on week two, I’m learning so much that I didn’t know. I had no idea that I didn’t know it. I guess that’s the thing about not knowing.. you don’t realize it. Anyway, this week’s lesson is about making a zero based budget. Every dollar has a name. If it’s not named, it gets spent without realizing where it goes. A new concept for me that has been around for a long time, I’m sure. I see light at the end of the tunnel.

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