zjowmaki

I took the Dave Ramsey's Financial Peace University course through my local church with lots of support and group discussions of general things. No specifics were talked about in class. My husband and I spent 13 weeks writing down every penny we spent and analyzing it all. We started following the recommendations in week 1. Most of this is common sense. For instance, I developed a chart of all the food we had on hand, along with frequent recipes. One week out of each month we now live off whatever is in the house. We stopped eating out everyday 1 or 2 meals and went to 2 meals out per week. Cut our grocery budget by 88%.I've developed a whole notebook of ways to save money from our experiences. What I don't understand is that even though after 4 years we have no debt, have savings, and have never been late on a payment, our score is in the 700s.