Dave Ramsey says: Put off big celebrations until finances are under control

Mar 5, 2016, 9:36 AM

Dear Dave,

My wife and I are in Baby Step 2 of your plan, and we’ve got our twentieth wedding anniversary coming up in a few months.

We had always planned on taking a 10-day luxury trip to celebrate, but now that we’re trying to get out of debt it seems pretty unrealistic.

Should we pause the Baby Steps and celebrate like we originally planned, or would it be better to concentrate on paying off debt?


Dear Don,

If it were me, I’d want to pause and celebrate in a smaller way. Then, in a year or two when you’ve reached your goal of being debt-free, you could have a big double celebration — for your anniversary and for gaining control of your finances.

Think about it. Why isn’t the 21st, 22nd or 23rd anniversary just as big as the 20th? No reason. really. It’s just an arbitrary milestone we as human beings decided on and created. But you can undecide stuff like that anytime you want.

If you two, as a couple, are in agreement on that point, then it suddenly becomes easier to delay pleasure in order to win. And trust me, when you agree on things like that, the celebrations become even sweeter!

-Dave Ramsey

Dave Ramsey

(Unsplash Photo)...
Dave Ramsey

Dave Ramsey says: Be honest in uncomfortable situation explaining better job offer

When handed a great opportunity shortly after starting a job elsewhere, walk into your boss’s office and lay out the whole situation truthfully.
4 days ago
(Pexels Photo)...
George Kamel

How to manage finances with inflation through the rest of this year

Whether we want to admit it or not, inflation is here, and there’s plenty of ways you can beat it through the end of the year.
6 days ago
(Flickr Photo/TaxRabate.org.uk)...
Dave Ramsey

Dave Ramsey says: Pay off credit debt, then keep rolling to straighten finances

When the rule of paying off debts from smallest to largest doesn’t apply, attack the one with the larger interest rate first.
11 days ago
(Unsplash Photo)...
Kristina Ellis

Here are 3 easy ways high school seniors can increase their productivity

If you're a high school senior, it’s so important to get your priorities set and get your life organized as you start this academic year.
13 days ago
(Pexels Photo)...
Dave Ramsey

Dave Ramsey says: Debt-free couple should sign up for level term life insurance

A debt-free young couple should find good 15- or 20-year, level term life insurance policies, with coverage amounts of 10 to 12 times their incomes.
18 days ago
(Pexels Photo)...
Dave Ramsey

Here are ways to boost your holiday budget, starting now

While you might not be ready to hang up the mistletoe, it's never too early to get a head start on saving money for the holidays.
20 days ago

Sponsored Articles

Sanderson Ford

Don’t let rising fuel prices stop you from traveling Arizona this summer

There's no better time to get out on the open road and see what the beautiful state of Arizona has to offer. But if the cost of gas is putting a cloud over your summer vacation plans, let Sanderson Ford help with their wide-range selection of electric vehicles.
Mayo Clinic Orthopedics and Sports Medicine

Why your student-athlete’s physical should be conducted by a sports medicine specialist

Dr. Anastasi from Mayo Clinic Orthopedics and Sports Medicine in Tempe answers some of the most common questions.
Day & Night Air Conditioning, Heating and Plumbing

Most plumbing problems can be fixed with regular maintenance

Instead of waiting for a problem to happen, experts suggest getting a head start on your plumbing maintenance.
Dave Ramsey says: Put off big celebrations until finances are under control