I'd rather enjoy the family today, when we have it, and pay off debt tomorrow when they are gone even if it means hubby and I work till we're 80 if need be. As for us, we've decided some debt is ok - not for continual new toys, expensive coffee, or whatnot, but for family vacations and experiences. I know from family history that tomorrow doesn't always come. We are absolutely against worrying about tomorrow. I like DR and I have my boys do his high school course, but I also talk it through with them in areas where we disagree. I like a bit of flexibility, and find that sometimes ppl get very hard line and rabid about things, and forget to find fun along the way. I'm not talking about spending $1000s on credit, but not always doing without either. What I don't like about DR is the assumption that there'll always be a 'later'.you never know what may come, and never doing anything special as a family, assuming there would be a tomorrow can cause some heartache. We plan to take it to the next step to use it to help us aggressively grow savings. We went ahead and signed up for the 2 year plan and I would say it's already paid for itself in just the peace of mind knowing that we are keeping up and more aware. We are still learning how to make it work best for us but I feel like we have such a better handle on our finances now. Mvelopes is an envelope system that is managed online. Physical envelopes are just not feasible for us since we do so much online so it just was not a good fit for us - trying to do some online, some in envelopes, etc. It came out of Crown Ministries (Larry was the CEO) but it is now a separate company (if I understand it right.) It's basically an electronic envelope system. We started using Mvelopes last February and it has drastically changed our lives. We did have our oldest do his highschool study and I think that was a good program. And I think I agree that Dave Ramsey is perhaps the "kick in the pants" that many need. made him a welcome advisor to many who were hurting and seeking. I agree with every thing said about Larry Burkett. But I think following either one will help most people's financial situation. In the Seattle area, buying one's first home with 20% down is pretty unrealistic unless you can live with family while you're saving the down payment. And I don't agree with him on everything. You don't have to be a Christian to follow his methods. It's more of a prescription for debt reduction and wealth building. Dave's principles are consistent with Scripture, but he doesn't share them as being the only way. I do appreciate that he shares the Scriptures that support his points, though. Most are great principles that a wise person would be glad to live by, but crossing the line from "this is a good idea" to "the Bible says you have to" is a sensitive area for me. My only issue with Larry Burkett (and it's been *years* since I've read his materials, and haven't listened to him on the radio ever) is that he seems to imply certain Biblical mandates with regards to debt, spending, etc. Other Resources for Learning Challenges.Resources (and Curricula) for Processing Difficulties.Science Courses: Text/Online Support Packages.Apps, Learning Games, and Online Enrichment Activities.Getting Started: Beginning the Home Education Adventure.
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