Saving Money

By on April 26, 2013

Some one might remember, last autumn I took Dave Ramsey‘s Financial Peace University class and thoroughly enjoyed it. Not only did I enjoy it, I learned a lot and the class filled in what Dave, my husband, and I didn’t get around to because death is pretty dang inconvenient! During the months of April and May, I’m coordinating the class and, again, am enjoying myself and learning a lot. Each week, our small group brings what they’ve learned, their tips, hints and suggestions and we all learn from each other.

Dave’s advice is how I was raised; in other words, nothing new under the sun but there are so many people who weren’t raised with Godly parents who taught right from wrong, how to manage money, how to save money and so on. Dave’s time has come but not without cost. Before he was 30 years old, he’d made a million dollars and declared bankruptcy. He’s been on the receiving end of nasty phone calls from bill collectors who, I’m fairly sure, were raised by coyotes, and people cursing him, threatening him, etc. When Dave talks, I listen and no, I don’t agree with every word that comes out of his mouth but an overwhelming percentage of them find me in agreement.

There are a ton of places to learn good habits regarding money management and Robyn, at Simply Me, has been asking some really good questions and receiving equally good answers that have been helpful. (YIKES! I just realized she’s lived one year more as I’ve been out of high school! Oh my. Now I feel like her Granny; and I was feeling really good about this post. sigh.)

fall scents for your home

The Christian Dollar has some really good advice on a variety of topics,  all dealing with Christians and finances.

Christian Personal Finance was begun by a Ramsey fan and their Archive page has a huge list of well written articles on a variety of subjects all gear toward money management.

White Fence is a good place to shop and compare prices on utilities, television suppliers, internet suppliers, etc. It’s better for urban dwellers but I did find out Direct TV is offering a one year $39.99 special which is 2/3 less what I’m paying now. Oh yeah, I’m calling them on Monday.

A word to the wise…when you’re negotiating with suppliers, you want to call their 1.800 number and say, “I’d like to speak with Customer Retention, please.” Now, the person who answers your call is going to hem and haw because they don’t want you to talk to Customer Retention; they know you’re going to get a deal and their job is to put YOUR money in THEIR pockets! Those two words are worth money in the bank…CUSTOMER RETENTION. Then, explain how you’ve been a good and loyal customer for X number of years. It really helps if you’ve signed up for their auto-pay on either your credit card (hush, Dave Ramsey!) or checking account. Dave Ramsey despises credit cards while I find having one a convenience. Anyway, tell them you’ve found a special or gasp! you’re thinking of getting rid of their service because you can no longer afford them. Trust me, they’ll find a way for you to stick with them and at a lower cost.

Mary and I are opening an Etsy site, details forthcoming, and Laurie, at Indulge Your Shelf, has been instrumental in my decision. She has a delightful blog and Etsy site and has taught me a lot. Just about every time I visit her blog I see “my” stuff she’s found at antique and thrift shops! When Dave and I married, he brought 25 years of household goods, I brought 23 years of household goods and when his mother moved in, she brought 50 years of household goods. I’m beginning to think I’m sitting on a mini-gold mine! Laurie also sent a copy of Etsy 101 by Steve Weber in which she’s featured. For what it’s worth, the information in this book may be found free on Etsy, but I’ve found the book to be easier to navigate. I’m old school and would far rather have a book in one hand, the mouse in the other.

One problem I’ve run into…definitions of antique, vintage, mature, retro. Any ideas? As soon as the site is open, you’ll be the first to know. There have been so many huge life changes for me since Dave died; this is the beginning of the Next Step. Prayers appreciated and love you all, dearly, for your kindness toward me.


Originally posted on Thistle Cove Farm.

About Thistle Cove Farm

After more than four decades, Sandra Bennett's dream of living on a farm came true, and now lives her dream at Thistle Cove Farm. She writes, photographs, and plans her next travel adventure while teaching workshops in Increasing Small Business and Farm Income; Networking and Partnering and Fleece Management. She's taught at University and in Russia, Armenia, Georgia and at different fiber festivals in the eastern USA. Dave, her beloved husband, passed away in 2011 so now Sandra is learning financial management. Please visit Thistle Cove Farm , her lifestyle blog:, and Wife to Widow blog: where she helps you be “proactive, not reactive."

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Saving Money