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Posts tagged with: outside the box

Dave Ramsey Wins Again…

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Sometimes, people call Dave Ramsey’s radio show and tell him about items they must have but can’t afford and use those items as an excuse to rack up credit card debt. He tells them to think outside the box. See if you can get it without cash. No matter how many times he says this, I think ‘That applies to someone else. It wouldn’t work for me.’

Sigh. But of course… he’s right.

I’ve been Jonesing for a rocking chair. I’ve searched Craigslist but the prices are too high and I’m unwilling to part with a couple hundred dollars for a non-necessity item.

I’m sitting in the kitchen on Sunday, talking to my mom about the stupid rocking chair dilemma (yes, I terrorize my poor mother regularly about my tightwad woes) when lo and behold, grandma appears out of nowhere like the furniture fairy.

“Rocking Chair? Did someone say they needed a rocking chair?”

She proceeded to pull out her magic stash of not one, not two, not three… but 5 rocking chairs.

“Tell me which one you like and you can borrow it for as long as you need it” she and my grandpa said.

OK, so maybe she didn’t say I could borrow it and she didn’t say I could keep it as long as I needed it, but they are leaving for vacation next month and I figured I could steal *cough* ‘borrow’ it when they left.

I felt like Goldilocks as I moved from chair to chair, ultimately deciding to steal the plush rocker currently occupied by Coco, their giant stuffed gorilla.

“When are you leaving for vacation?” I asked ‘innocently’.

“You might as well save time and load it now” my grandpa replied.

Hmm. I guess I’m fairly transparent… that or he saw me throw Coco in the closet and attempt to shove the chair out the back door.

Sweet! Rocking chair checked off my list. Borrowed furniture. Can’t say I’ve ever thought of that before.

This whole ‘think outside the box’ thing is still new to me. It’s something I’ll have to get used to.

A hearty thanks to my grams and gramps for helping me stay in budget.


Paying bills non-conventionally?

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I received the credit card/vet payment bill today for Hutch’s hospitalization (He’s doing WONDERFUL by the way. I went running with him last night and it was awesome!!)

$1781.00

I lost my breath.

But hey, according to the paperwork, if I make minimum payments…I can be paid off in 13 years. It annoys me that this credit card company hopes my debt may outlive my dog.

As I stared at the bill, I was annoyed with myself. Dave Ramsey encourages people to live outside the box rather than have a natural reaction to accrue more debt.

I didn’t think outside the box. I threw in the towel – and quickly at that.

The fact is, there will ALWAYS be a reason to jump back into debt. Car repairs, hospital bills, home repairs… VET BILLS.

I know it’s only a two month hiccup but I can’t help but wonder if I had offered to scrub dog poop, would have let me?

I’m working on changing the way I think. I’m slow – but I’m getting there.

What I really wonder is…

What is the strangest way you have paid a bill?

Have you cleaned your dentist’s home? Have you cooked for your mechanic? Have you babysat for your plumber?

My husband installed an exhaust fan for a 6 pack of beer so trust me – I know you folks are out there.