Initially I had planned on writing a review of each class every week. But life got in the way. I will share my top three take aways from the class.
1. You don’t actually need the class
I remember wanting to do the class with a local church in 2017 but opted out because of the price tag. I was being very frugal and trying to pay down my debt. Just the thought of spending that money gave me anxiety so I didn’t join the class. Binge watching the radio show on YouTube and realizing that ALL OF THE MATERIALS is available FOR FREE on the website was good enough.
2. A written budget is key
A written budget is one of the most important lessons taught in the program. But we only spent one lesson on it. And to that end my teachers barely reviewed the steps with us after watching the video. Maybe this part of the program is done differently depending on the instructors but I didn’t get enough valuable information from my group. Using a cash envelope system or budget binder is very helpful though. You can order the system that comes with the program. Or make your own like I did in this video.
Cash Envelope Binder
3. Use the forum if you have questions
Your $129 membership for the class lasts one year and gives you access to the forum which is great. I have never posted anything to the community but I read a few entries every month. The newsletter also provides great money management tips.
In all, I am glad I saved up and created the opportunity for myself to take the class. I met three new people (my class was under attended) at church which was helpful. I have not logged in to rewatch any of the lessons. But I will before my membership expires.
Reading the Total Money Makeover book and utilizing the free worksheets from the website would serve just fine if you are unable to afford the program.
What are some budgeting and debt pay off tips that you can share? Leave them in the comments below.