Every Dollar Counts

Let me start by saying that David Ramsey has been a big influence in my life and how I manage my money. David Ramsey is a financial advisor, whom I enjoy watching his podcast on YouTube. I have had the pleasure of listening to his personal story with great enthusiasm. I find it personally entertaining has he too admits that just having a financial degree, did not prevent him from making personal mistakes. He learned his lessons the hard way, by living life. He started with nothing, made a lot of money, and then lost it all. David Ramsey, learned from his mistakes, and currently shares to the world, the to do’s and what not to do’s when it comes to our finances.

One of his concepts is to give every dollar, a purpose, an assignment. In other words, every dollar we have, counts.

Have you ever gone to the grocery store without a shopping list and come out spending way more than you had anticipated? Absolutely! Have you ever gone to the grocery store with a shopping list, stuck to it, and come out feeling great? Yes! Our money, your money, needs a purpose too!

As I sit here today, looking over my own finances, I was proud to discover that I have been making some headway on paying down my own credit cards! Somehow, with a small income, I have managed to pay off almost $1250 in 3 months and now instead of 4 credit cards, I only have 3!

Seeing the proof that you can be successful even with a small budget to pay off debt is inspiring! I was able to do this, because I too, gave every dollar I had an assignment at the beginning of each month, and made a budget, and stuck to it. If I can do it, so can you!

Unfortunately, I have not been able to get my husband on board yet. I do not know why, but hopefully soon, he will catch on. He has a nasty quick shop habit. One of those habits, that he just has to have that high priced drink from the quick shop on the road, instead of waiting until he reaches his destination. For me, I carry a bottle of water for my thirst. And if I want some coffee on the road, I’m smart enough to bring a thermos full.

I find that unplanned spending is our culprit! I hope everyone watches the video so you can be successful too!

Below is the YouTube Video of David Ramsey!

Thank you for reading and watching! Have a wonderful day!

Money Talks


I am blessed to be here and if my work is helping you in anyway all contributions are welcomed! Thank you in advance. 

photo of red rose

Support hardtobemeinoklahoma.com

Thank you for your encouragement and support!


100 Envelope Challenge

How would you like to save $5050 dollars in 100 days? By now some of you might have heard about the 100 day 100 envelope challenge, but for those of you who haven’t I thought I would share. This method is a great way to save money.

Take a 100 envelopes and number them 1 to 100 in chronological order. Next shuffle the numbered envelopes and put them in a box. Each day, draw an envelope out of the box and put the exact amount in the envelope that corresponds to the number written down on the selected envelope.

For example, if you pick an envelope with the number 37 on it, you put in $37 dollars.

This method works. At the end of a 100 days you will have saved $5050 dollars! That is just a little over 3 months.

What’s great about this method is you can change it up. Lets say, you don’t have a lot of money to put back everyday. Instead of putting money in an envelope everyday, try once a week. In a 100 weeks, that is less than 2 years, you will have $5050 dollars.

What’s even better is if you have 2 people in the family that can put money in the envelopes. Try alternating weeks. This way you are only contributing to the envelopes twice a month, or every other day, which ever method you prefer.

There are so many creative ways to save money. I knew one lady that would save her $5 bills every year, and each year she would take a vacation with that money. I also heard of a man that saved every .05 cent or nickel that he received and he would put them in jars. I do not know how long it took him, but this very same man drove up to a car dealership and bought himself a brand new pick up truck with his jars of nickels. I guess it took the car dealership a while to count all those nickels cause it made the local newspaper! 😉

Are you saving any money today for those rainy days or for a beautiful vacation?

Money Talks


I am blessed to be here and if my work is helping you in anyway all contributions are welcomed! Thank you in advance. 

photo of coffee on wooden table

Support hardtobemeinoklahoma.com

Thank you for encouragement and support!


David Ramseys: 5 Things That Will Make You Wealthy

Money Talks

I’d like to refer to this blogging as: Money Talks! Why I am certainly no expert of money, I have recently been listening to podcast by financial expert, David Ramsey, here in America. Being a gambling addict myself, has put myself into financial stress by racking up my credit cards, and saving my cash for casino adventures. Although I have been gamble free now for 25 days, 1 hour and 48 minutes, the horrors of my past habits, have been ringing in my ears. I for one personally, don’t like to owe anyone anything. My husband on the other hand, has taken the attitude that monthly payments is just a part of life, it’s what keeps him motivated to get out of bed every morning to go to work. Ugh! So lets say I have some work cut out for me, to hopefully get us both on the same page. What about you the reader? Are you comfortable with making monthly payments to the banks, credit card companies, mortgages? Do you live paycheck to paycheck?

After listening to several of David Ramsey’s Podcast, there was one in particular, entitled the same as this blog, that caught my interest. Here is what David Ramsey has to say: “If you will do these 5 things over and over again, you will become wealthy.”

  1. Make a budget. Assign every dollar that you have coming in a purpose. You will be surprised by just doing this, how much your money will seem grow. Why? Because when you don’t use a budget, your throwing your money away on things you don’t necessarily need. “You can’t build something without a plan of action.”
  2. You have to get out of debt. David Ramsey refers to paying down debt with the snow ball method, meaning, pay down the lowest debt first while making the minimum payments on the rest. Then take the next lowest payment after the first lowest is paid off, and apply the minimum payment from the lowest and add it now the next lowest, while paying the minimum on the rest. This method, not only keeps you motivated because your actually seeing results faster, but keeps you winning the game. If you’re unsure about what it is I am referring to, I am sure you can google it, the snow ball debt plan.
  3. Live on less than you make! Don’t stay stuck in a low paying job, get a higher paying job. Do something, instead of relying on the government to get you out of debt.
  4. Invest with cash money
  5. Be generous.

Have any of you looked at your monthly interest rates on your credit cards, mortgages, car payments? It is totally ridiculous, and that is how we as the people, are allowing the banks, and these companies to get rich. We as the people need to stop giving our money away and take our power back. We don’t need credit cards, that’s what our debit cards are for. Who needs a credit score when you can pay with cash! Learn to have patience and learn to say NO, to every little need you may have.

I am so excited to start this journey of financial freedom. Once I stopped gambling, miraculously I had all this extra cash laying around to use towards paying those debts off. One less bill at a time, one less bill a month, and so on.

Below is the link to the YouTube Video. Please Watch and enjoy!