1. In this session, Dave pretty much says that anyone should be able to retire with dignity and some personal wealth. How do you respond to that? Do you believe that you could find $100 a month to save?
I believe that people should retire with dignity and some personal wealth. I know I can find $100 or more a month to save for my retirement.
2. In your to-do list from the last session, you were instructed to start laying out your personal budget by using the Quickie Budget form. Have you done that yet? If so, can you how easy it would be to save money consistently, every month if you had no debt? What would that feel like?
I have a budget in place based on my previous reading of the "TOTAL MONEY MAKEOVER". I currently have my FCU automatically place money into a savings account each payday... an account that is not linked to my debit card, and if I need to take money out of that account, I have to physically walk into my FCU and withdraw the money.
3. Do you struggle with discipline when it comes to your money? What are some specific strategies you can use to overcome this challenge?
I struggle most with sticking to my budget. But just like a diet, you have to keep trying until it becomes a habit. I learned from Weight Watchers that it takes 21 days to form a habit.... I will keep working at sticking to my budget until it makes a habit.
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