Guest Post: Working as a Team Can Make It Work

ibThis is a guest post by Cara/b of a href=”http://thebargainhuntingmommy.blogspot.com/”The Bargain Hunting Mommy/a. nbsp;I love her blog because she posts great deals AND sprinkles in her financial journey as well. She is on her debt freedom journey and shares a little bit of her story with us!/ibr /br /A few years back during my first marriage, my then husband and I went through financial peace university with Dave Ramsey. SUCH a neat study with lots of great points and I was ready to hop on board but my husbandnbsp;wasn’t. He thought it seems so silly and over the top and instead we found ourselves in a LOT of debt. When we got divorced guess who was stuck with HALF the debt? YEP-me! I was stuck with debt that I wanted nothing to do with and frankly none of which I ever was solely responsible for… but that’s the wonderfully great state of Arkansas for you. Split down the middle. So here I am stuck with half of this debt, changed jobs, no money, trying to support me and my daughter… and I had no choice but to file bankruptcy. YES I just said those words. The dreaded words that no one wants to think about… Isn’t that terrible? There I was literally starting over in EVERY aspect of my life. It was scary and awful and I felt like such a loser because I never meant to get here. Sitting in the court room looking around at these people in fancy clothes all dressed up and I couldn’t help but think ‘hmm… im guess you are here because you shop too much?” And that wasn’t why I was there. ANYWAY—I tell you THAT sad, awful, pathetic story to tell you this….br /br /I am now re-married to a wonderful man who has 2 grown children and I have a 5 year old. SO… life is, well, EXPENSIVE to say the least! His are in college and needing new cars and mine is outgrowing clothes before she wears them. We rent our home, clip coupons, make a budget and stick with it… and I couldn’t be happier! I have learned the ups and downs of finances. I have learned that I can’t “do it all”. My ex husband was NEVER on board with Ramsey’s Way and my now husband is all about it! It HAS to be a team effort. You both have to want the same outcome. My husband doesn’t help me clip coupons on a weekly basis, but he always encourages me to keep going and keep up the good work. Dealing with finances is tough and there are so many different “plans” you can follow. I can’t do it all… so I have picked 3 things that I will do to help keep our finances in check.br /br /#1-shop with coupons and stock up when its on salebr /#2- plan meals 3 weeks in advancebr /#3-shop at consignment shops for mine and my daughters clothes and shoesbr /br /I can’t do it all, I don’t have it all together but together working as a team my husband and I are on the road to financial freedom.br /divbr //divdivspan class=”Apple-style-span” style=”-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; color: #333333; font-family: ‘trebuchet ms’, verdana, arial, sans-serif; font-size: 13px; line-height: 18px;”ib**Have a financial story or tip you’d like to share?nbsp;a href=”http://www.daveramseyroad.com/p/guest-posts.html” style=”color: #3366cc; font-weight: bold;”Dave Ramsey Road/anbsp;is now accepting submissions for guest bloggers. nbsp;Seenbsp;a href=”http://www.daveramseyroad.com/p/guest-posts.html” style=”color: #3366cc; font-weight: bold;”Guest Post/anbsp;tab for more details**/b/i/span/divbr /br /a href=”http://www.aghdesigns.com/images/blogs/siggy4.png” target=”_blank”img alt=”Anna” border=”0″ src=”http://www.aghdesigns.com/images/blogs/siggy4.png” //a