I only have one famous friend—his name is Dave Ramsey—and I will forever be in his debt.
Which is a funny statement, actually, since Dave is all about … getting out of debt!
Truly, though, I’m thankful we found each other.
Dave tells the story of how he stumbled across us at QBQ, Inc. whenever I’m on his radio program (recent interview here). He was wandering an airport when he found QBQ! The Question Behind the Question. Like many do, he stood in the book store reading. After getting through most of QBQ!—a one hour read—he “felt so guilty” he decided to buy it.
That began our friendship.
But why did the QBQ! book intrigue him so much? Well, because Dave knows this:
Without PERSONAL ACCOUNTABILITY, there will be financial problems.
As many of you know, in April 2012, I began walking more and eating less. I’ve lost 43 pounds—and kept it off. Ask me what I’m eating and I’ll say “less.” The story here …
Why do I mention my weight loss—again? Because of the formula I used to melt fat from my body. Most people won’t use it. Why is that? Too simple.
My formula, which I plan to sell for billions, is this:
Burn off slightly more calories than I take in each day = Amazing Results!
This commonsense formula, when applied to our finances, looks like this:
Spend slightly less money than I earn each day = Amazing Results!
Sounds simple because it is simple. And as we said in our last blog (with a book give-away), simple works.
So let’s not complicate (or defeat) simplicity with a bunch of blame—and excuses like these:
Nobody takes cash anymore—I must have credit cards … and I get points!
My spouse spends too much.
My children need to have what their friends have or they’ll feel left out.
Our growing family needed more bathrooms.
We deserve to get away, so we really needed that Aruba vacation!
My kid just has to go to that college to succeed in life.
The politicians aren’t turning the economy around.
My employer doesn’t pay me enough.
(In the “Comments” section below, can you add another excuse to our list above?)
Excuses. They’re a fool’s way of thinking. Yes, I said FOOL. Because, as I know Mr. Ramsey would agree, being in debt is a foolish way to live life. In fact, one of his favorite phrases is, “Debt is dumb!”
Ben Franklin said, “If it hurts, it instructs.” Truth hurts. So after reading this message, look at your financial situation, and if you’re not where you want to be, take a mental inventory and count the excuses in your head.
Go ahead … I’ll wait …
Can’t find any? Outstanding! You will succeed in getting where you want to go!
Oh, my—you found lots of excuses?!? Hmm, must be time for change.
And just like simplicity, change is good.
What excuses have you heard from others about money?
What excuses have you made?
What one excuse will you now delete from your mind and never use again?