Dear Dave,

(As in, Dave Ramsey.) You are ruining my carefully constructed spend unwisely, eat my money, buy my way to happiness ways. When I grow up, can I be just like you?



PS Remind me that I wrote you this letter when I have to use that evil, spawn of Satan tool called a budget. Especially when Panera and Anthropologie no longer fit in the budget. I draw the line at the bookstore.


  • Kimberly,

    I have recently found your blog and it continues to make me think and smile with each post I have read. Your spirit and heart shine through each and every time. Thank you for taking the time!:)

    We too, are under the spell of the wise Dave Ramsey. We are in the process of the famous debt snowball portion of the baby steps and are both working extra jobs to get through it. None of our little pleasures seem to fit in there, Panera being one of them as well as being very impulsive at Target. Oh well. So we continue to drive beat up old cars and sacrifice for the greater good. Good to know we are not alone in this!

    Miss you in Morristown!


    Lisa Hutchens