We don't just follow Dave Ramsey. We also follow his daughter
Rachel Cruze. She is following in his footsteps reaching out to the younger generations. In the last week she posted on her facebook page an important tidbit that we all need to remember. No is a complete sentence.
There are so many things we should say no to. We often forget to say no. Albert and I have decided it is time to say no to stupid tax! If you listen to Dave, you know all about stupid tax. Stupid tax is the extra money you dish out after making a bad financial decision. Stupid tax comes from consigning a loan. Stupid tax comes from lending someone money and expecting to get it back. Stupid tax comes from signing unnecessary financial contracts.
When we were pregnant with Harli, her bedroom window was on the side of the house. It was in front of the gate to the back yard. It was the most accessible window that was the furthest from the front doors. It was also out of sight from the neighbors. To me it seemed the most likely place for someone to break in. So when the salesman came to our door to offer us an awesome security system we jumped on board. We let our emotions drive our decision. We did not even think about it over night. The system was wonderful. We loved it! It gave peace of mind. The video camera even allowed Albert to check on us while he was at work. The app let us lock and unlock the front door from our phones!!
The system was everything we hoped it would be. But then we moved. Our renter was not interested in it. We could not really use it where we moved. We no longer needed that type of security. We tried for months to sell our contract to anyone interested. No one wanted it. So we paid 2.5 years worth of stupid tax. The company was unwilling to work with us on forgiving the contract. Why should they? We signed the contract. We agreed to the payment. So we bit the bullet.
We closed the account this week. It is such a great feeling to not be paying any more stupid tax! We agreed that we will never sign a payment contract again. If we need a security system in the future we will use a company that doesn't require a contract. Next time we need new phones we will not be renewing the two year contract just to get a discount. We are saying NO! No to stupid tax. No to unnecessary contracts!
One more payment off of our budget! One step closer to Bringin' Mama Home.