Philip Robert

This morning I experienced a bona-fide iPod emergency.

Let me put this into perspective.  I’ve been misbehaving with my money for most of my life.  I knew that things were bad, because even though I was earning pretty good money I was always broke.  Not fun, especially out here in Los Angeles.

Last year I moved back to Louisiana for a while, and discovered this crazy guy on the radio, Dave Ramsey.   Dave is all about getting out of debt.

After listening to him on the radio for a few days I began to realize that there was substance in his message.  I took action!  I started downloading his radio show to my iPod everyday and listening to what Dave had to say.  Now 7 months later I’m on a monthly budget.  I have a baby emergency fund.  I’ve paid off almost $20,000, and am well on  my way to becoming debt free.

Seriously, I wish that I would have learned this stuff years ago.

OK, about that iPod emergency.  I use a Griffin iTrip Auto to listen to my iPod in the car.  It’s a great piece of technology that works well.  This morning when I left the house I discovered that I had closed the door on the end of the pigtail last night.  The end result?  My iTrip’s cord was SEVERED!!!  It just hung there like a lifeless snake… useless…  I had to listen to political talk radio instead of Dave.

I’m certain that this qualifies as an emergency.  That’s why Dave has you put away $1000 as a baby emergency fund.  Now instead of Capitol One coming to the rescue with DEBT,  I can just PAY FOR IT.  What a great concept.  I’ve got an emergency and I don’t have to borrow money to fix it.  I can just withdraw $20 from my emergency fund and voila! no more emergency.

$20???  Ok I’ll just use some of my Blow money.  That takes care of the problem too.

 

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