What It Means To Be Weird

weird

adjective \ˈwird\ : unusual or strange

What It Means To Be Weird

I am a fan of personal money-management expert and highly popular radio personality, Dave Ramsey. A few years ago, my husband and I started Dave Ramsey’s Baby Steps and paid off $23,000 of debt in 11 months and we currently are living debt free, other than our mortgage. We just bought a house last week and chose to do a 15 year loan. That, my friends, is what makes us weird.

Dave Ramsey explains in his lessons that being weird is having money, because so many people are broke! Would it be worth some hard work if you could keep hundreds of extra dollars a month instead of paying credit card bills, car payments and your student loans? Can you change your lifestyle now, temporarily, so that one day you can build wealth and give in big ways to people and charities you want to support? With hard work, dedication and persistence, it is possible. Anyone can do it and I plan to share our personal experiences in climbing out of debt.

Oh, and that is not all. I have a dream. A dream of living in a paid for house by the time I turn 40. That is 7 years from now. We got a killer interest rate and have plans in place to help us reach our goal. Why would we want to do that? Because we are weird. We believe that God has blessed us greatly and that if we can prove that we are good stewards of all he has given us, that he will continue to poor more blessings upon us. It has worked for us so far.

What do you do that makes you weird?

60 comments

  1. Miranda says:

    I also have dreams of being debt free and being able to give greatly to our church and missions in the future. I have recently become a distributor for Young Living essential oils to help realize that dream, and sometimes I feel weird because of how people look at me when I tell them how amazing the oils are and how we’ve replaced almost every chemical cleaner and medicine with them! Which also saves money with the bonus of making us healthier 🙂 so yeah, I understand big dreams and being weird! I think it’s awesome that you were able to pay off all that debt so quickly! Good for you!!!

  2. Princess says:

    I wish I had learned some of these things when I was younger but at 50 I am hoping to dig myself out of debt and have a home, I guess that’s what makes me weird that I’m just now realizing this at such a late age,

  3. Aliaksandra says:

    I say you are smart. Our family has been in debt and out, and I can testify that the feeling of security and freedom that you have being out of debt is much better than the moment of instant gratification that you get when purchasing something with a credit card.

  4. Darlena says:

    I guess I’m weird too. We have not had a credit card for over 18 years, which makes it hard sometimes when you do need to borrow money. You can imagine my shock this past weekend when I filled out a credit application for a new sewing machine, (It was for 12 months free financing), when. they told me I was approved for 5K. I was truly expecting a denial. I had the money to pay for it, but I figured I make interest on my money instead. We only have our mortgage, and a car payment and it’s auto-paid out of my paycheck before I even see my check.

    • Dawn Dart says:

      Great job Darlena! We use credit card strategically to earn points. We never carry a balance. But it is a little nerve racking how much credit the card companies are willing to lend us!

  5. Lisa/Syncopated Mama says:

    I always refer to myself as weird and I think that’s a good thing! You have some great goals and I wish you tons of luck with achieving them! I could list probably a zillion ways that I’m weird, but probably things like giving birth at a birth center (essentially a home birth at a different location) and not having television (we do still watch movies from the library on our computer) are big things that make me weird.

  6. Mary from YourDesignerDog says:

    I don’t think it’s weird to have a plan to own a home and become debt free. It’s a commendable goal that I wish more people would strive to achieve. I think I’m probably weird by refusing to set up any direct deposit or automatic bill pay options. It may be outdated, but I prefer to see my money come in and go out with my own eyes.

  7. Carla says:

    For the record, I think you are smart, not weird! Good for you for living debt free. As for why people call me weird? It’s because I am committed to eating “Clean” saying no to processed foods,choosing organic produce, drinking fresh pressed green juices… and loving them. That’s my weird. 🙂

  8. Brenda/PhotoOrganizingPro.com says:

    If this is being “weird,” then the world needs more weirdos! 😉 Sadly, our kids need to be taught (at home & at school) about financial responsibility.

    Living in Vegas AFTER the economic crisis caused by the housing market freefall is a prime example of greed gone wrong. Companies gave out loans to people who couldn’t/shouldn’t have them for homes that were beyond their reality. In the wake of the collapse are thousands of people who were bankrupt, lost their homes & jobs, found an addiction to cope, etc. A real mess!

    While it doesn’t seem be a “popular” opinion among their peers, I’m trying to teach my kids that the word “responsibility” is part of EVERYTHING we do & say. Getting an iPhone 6 in 4th grade is NOT being responsible, but is usually purchased by parents driving brand-new vehicles they can’t afford but trade-in every year or two so as not to have an outdated model, who park said never-paid-for vehicles at their huge home they can’t afford, which they continue to “upgrade” with renovations to keep up the Joneses (who must be billionaires, by the way). These same families go on elaborate vacations at every possible chance, shop for “fun” just to own more stuff & keep robbing Peter to pay Paul as they put more purchases in the magical “credit cloud.” Then one day, reality sets in & they have to file bankruptcy, leaving their creditors holding the bag of responsibility. So sad.

    Sorry for my rant! Guess you got me wound up! Nice work on the Ramsey success…you are definitely living like no one else! Keep it up & hope you reach your ultimate goal!

  9. Gloria says:

    What do I do that’s weird? I home school, I’ve had babies at home, I teach natural childbirth, I don’t let my kids watch violence as entertainment, I don’t give 8-year-olds i-phones, etc. Lately I feel like there’s nothing I do that isn’t weird. We have a paid-for rental home and plans to use that money to pay off our current home, but now you’ve given me a new time-frame for my goal- have it paid-off by the time I’m forty! God bless you in your endeavor!

  10. Cheryl E. says:

    If you’re weird, then I want to be “weird” like you! I totally envy you. I would love to be in your position. I just became a SAHM, so not only is our income cut in half but we’re thinking of moving. I really need to get my hands on Dave Ramsey’s book. I hear nothing but great things about it. Thanks for the motivation!

  11. Katy says:

    Okay I want to be weird! I have looked into his baby steps and have known people to do it and I started looking into it but it was all so over whelming – we have a lot of debt from my first marriage, singlke years and my husband’s bachelor days and the days he came home from deployment and was un-employed. I know we need to just jump in and do it but I’m so scared – after reading your post I feel a little braver and think I’m going to spend the weekend working it out! I want to be in your position and we want to give to others so badly – we can’t do that until we set ourselves straight! Thanks so much for this reminder and I will for sure be following your journey and send best wishes to get your mortgage paid off in that time – that is awesome and I’m amazed by you guys!

    • Dawn Dart says:

      Thank you for your kind words and encouragement! You CAN do this. Just one tiny baby step at a time. It really is amazing to see how things can snowball and pick up momentum. Feel free to share with me your plan! I’d love to encourage you through it.

  12. Tee says:

    Congrats on paying $23k in debt in just 11 months! I think you can definitely reach your goal of owning your home outright by age 40. Sounds like you guys have found a good financial strategy.

    • Dawn Dart says:

      Thank you Rena! Looking at the goal right now, it seems unreachable. But so did paying off debt when we started. So we are aiming high and hoping to get there!

  13. Elena says:

    I wanna be weird too!! (In the debt free kinda way) For now I am weird because I like to use cash instead of checks or plastic. I find that when I have cash in an envelope, at the end of the week I still have cash. I like that. If i don’t use cash I seem to always run out of money before the next pay day. Weird huh? Your experience is very encouraging.

  14. April G says:

    I talked to my MIL about not owning a credit card (per Dave Ramsey’s advice) and she about blew her top. She’s pretty fiscally responsible, but could not see how you could live without a credit card. Nothing and everything makes me weird. 🙂

    • Dawn Dart says:

      You can do everything with a debit card that you can a credit card, except for go into debt! This is one area where we have not been strict Dave Ramsey followers. We pay our bills with a credit card to earn points and pay it off every month. But I know that doesn’t work for everyone.

  15. jean says:

    I think you are smart, not weird. We too have been paying things done and think everything, including mortgage will be done by early 2016. There is a freedom in seeing that coming. Can’t wait to celebrate.

  16. Jennifer says:

    I’ve heard a lot of people talk about Dave Ramsey, maybe I need to finally do my research and try his methods, because we too want to get out of debt and own a home one day. But first we need to get our car payment down some more.

    • Dawn Dart says:

      Check his book “The Total Money Makeover” out from the library. It won’t cost anything and you can start following his baby steps. That is how we got started!

  17. Melissa says:

    Sometimes I feel like my husband & I are the weird ones too when it comes to the financial arena because we also only owe on our mortgage and are seriously pursuing selling our home, downsizing to get out from under that debt & living 100% debt free. My family thinks we’ve lost it!! I mean, why would we want to live in a smaller sq footage home just to not have a $1000+ a month house payment and instead use that $ for something else like ministry building, traveling or planning better for retirement??? Haha!
    But, honestly the thing I think I get looked at as “weird” more often for lately is our philosophy on eating ~ we eat mostly organic, very limited processed & my kids pass on the junk snacks and sodas at sporting activities & social events. We are still in the minority there for sure!
    Great post & way to go setting such wise financial goals for yourselves! What a wonderful lesson you will be teaching your children too in the process!

    • Dawn Dart says:

      It is amazing how quickly children learn from your example. My 11 year old is a little entrepreneur so that she can pay for college:) Healthier eating is definitely where our family needs to do better on.

  18. Holly says:

    Oh, where to begin with what makes me weird…!!! How exciting for you and your family to make those great financial strides! I like Dave Ramsey’s principles too, though I really have to set some goals for me and my family to get started on that path. Thanks for sharing!

  19. Kali says:

    Posts like this are so inspiring to me. Since I am not married, I haven’t begun to deal with things like this yet. In a world where being in debt is the normal it is great to see people doing what it takes to live debt free. I hope when I am married we will make the right choices with our finances.

  20. Stephanie B. says:

    I love this!! I went through Dave Ramsey’s Financial Peace program a few years ago and I love his perspective on how God wants us to manage our money. If you’re weird, that means I’m weird as well. Thanks so much for shedding light on the beauty and blessing of financial freedom!

  21. Liz B. says:

    Doesn’t sound weird to me at all! Sounds wise. Wish we had known 6 years ago what we know now, we would have gotten a 15 year mortgage as well. I dream of the day we are debt free.
    As far as how am I weird? Probably in that I fall in a very strange balance between “crunchy” and mainstream. Although I think it is becoming less weird these days. But I think I’m weird in that I use cloth diapers with my littles – once upon a time I said I would NEVER even consider that. Ha! 🙂

  22. Kimberley says:

    Loved your post – very inspiring, I’d like to be weird like you…not there yet. Will have to check out what you shared. How am I weird? I have to have time alone everyday, no matter what. Some people don’t like to be alone, I enjoy the quiet, need it to recharge. 🙂

  23. Bryant Hall says:

    Dawn, great post! I love the word weird. It sums up my wife and I. Along with our desire to create wealth for our family, we are also weird because of our commitment. I believe we all were created to be weird. When we are able to accept our weirdness, it is then we are able to step away from all of the world’s expectations. No more living like everyone else when we embrace our weirdness. Being weird is accepting the prosperity God has for our lives personally, professionally, and spiritually.

  24. Julie says:

    First, congrats on becoming debt free! And on purchasing a home. Those are both huge accomplishments. I am a fan of Dave’s money management principles, too. You are making great choices for your family!

  25. Dawn Pratt says:

    Lol, cute post. What makes me weird? I am a Genealogist that looks for dead people and loves transcribing Cemeteries. A lot of my photographs on disk are of tombstones, and ancestors.

  26. Dee Dee says:

    I too am a lover of Dave Ramsey. I have loved him for several years. I have a dream to be out of debt by age 40. That’s 4 years away for me. I have been dragging my feet on writing a debt series and you just gave me that kick in the rear that I needed. Thanks for sharing.

  27. Aaron says:

    My wife and I are desperately trying to get debt free!! We just keep hitting road bumps, its going to happen though. I am definitely weird, I am a holistic outdoorsman/survivalist/ prepper. I use essential oils for just about everything and I strive to know where all of my food comes from. My mother has literally told me I am the apple that sprouted wings and flew away from the tree. My wife and I also follow Dave Ramsey’s principles, well we are trying to. Congrats on being debt free it is so unheard of in this day and age.

  28. Amy Lou says:

    Congrats of being debt free! I hope you reach your goal of paying off your house by the time you are 40! I have heard so many good things about Dave Ramsey and his strategies! I have always intended to check it out and maybe start one of them but then it gets put off! Maybe this year will be the year I start!

  29. Kemya Scott says:

    Kudos to you for being weird and living debt free! I’m a weirdo myself, being a homeschooling mom who lives in an apartment because I know I don’t want to take care of a home yet or pay a mortgage. I’m an entrepreneur because I don’t like having a boss that’s only half as smart as me. Me, hubby and kids packed up and moved over 700 miles away from our families because they aren’t as open minded as we are and can’t handle all our weirdness. Yup, I’m weird right along with you!

  30. DeBalino says:

    You, my friend – are a FAR CRY from weird! You’re BRILLIANT. What a great and REALISTIC plan to live in your paid for house by the time you’re in your 40s. You’re definitely on the right track. We have been in debt for years and chasing our tails, and finally have gotten on track and it feels amazing. The constant worry, night after night, if we’re going to have enough money to retire on one day, or if we’re going to have enough money for our child to go to college in 14 years – it’s the worst feeling! Congratulations on being the “minority” and paying off your debts!

  31. Adrienne says:

    Dawn, you are not weird. You are smart and motivated! I have friends that have taken the Dave Ramsey workshops and they have benefited. Thank you for your fun post! ~Adrienne

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