I apologize for my delay in posting. Mark and I and our two youngest kids were in a traffic accident this week. Someone ran a stopsign and broadsided us. We’re all ok, but very sore. Unfortunately our van didn’t fare so well. They had to tow it away and we’ve yet to hear the cost of the damage. Luckily the driver who hit us did have insurance.

By the way, for those of you in the Chicago area, I’m speaking in Joliet on Thursday evening. You can find info if you click on “schedule” at the top of this page.

Now for another tip for making ends meet. This one is one that Mark and I have been transitioning to for the past few months after taking Dave Ramsey’s Financial Peace University (http://www.daveramsey.com/). If you ever have a chance to do Financial Peace—do it! It’s a wonderful learning experience! Here’s the tip:

Pay cash.

Pay cash for everything.

I’m amazed at how much it has saved us money! The biggest reason is that I’m far more conscious about my spending than I was when we used our debit card. As Dave says, cash is harder to part with so you evaluate your purchases and do without sometimes because you either don’t have the cash for it, or you don’t want to waste your precious cash on it.

I’ll admit there’s a bit of an inconvenience matter like when you fill up your tank with gas. I used to pop the debit card in the pump, fill my tank, grab my receipt and go. Now I fill up and have to go inside and pay. It takes a little longer, but the peace of mind it gives me to not be overspending or having more month at the end of the money is worth the hassle!

Anymore great ideas to share? Don’t forget to put your email at the bottom of your comment. If you are just joining in for the first time, check out the April 21 post to learn about the contest I’m running –it’s a great way to learn from one another about making ends meet!

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