Hi, I wanted to share with you my experience with Financial Peace University. It is an amazing course by Dave Ramsey that will change the way you think. That is exactly what we all need to change our circumstances. (Don't forget that the definition of insanity is to keep doing the same thing and expecting different results.)

As you have been working on your credit clean up, we have been also. I started Financial Peace University course about 9 weeks ago, and I have been amazed at the difference it has made. We have cut our debt in half, and have an emergency fund. This was done with the same situation we had before. I am telling you this class will inspire you to make drastic changes in the way you handle your money.

Email or call me & I will find out where a class near you is. I will be hosting one in Grantsville in February, but if that isn't near you we can find one near you. If you are serious about getting on top of your finances, you can't afford NOT to take it. I have nothing invested in this class, I am just very impressed with this course and would love for each of you to have this assistance.

What will you learn in Financial Peace University?

In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

· Lesson 1

Super Saving

Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

· Lesson 2

Relating With Money

Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

· Lesson 3

Cash Flow Planning

Unlock the secret of developing a monthly spending plan that really works.

· Lesson 4

Dumping Debt

It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

· Lesson 5

Credit Sharks In Suits

What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

· Lesson 6

Buyer Beware

Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

· Lesson 7

Clause and Effect

In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

· Lesson 8

That's Not Good Enough!

Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

· Lesson 9

Of Mice and Mutual Funds

Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

· Lesson 10

From Fruition To Tuition

Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

· Lesson 11

Working In Your Strengths

This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

· Lesson 12

Real Estate and Mortgages

Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

· Lesson 13

The Great Misunderstanding

Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.

Lets do this together!