I spend way too much money in Target. Therefore, I am only going to go once a month, if that.

I have a friend who loves to spend money. Every time I am around her, I am way to frivolous with my money. My 30th birthday is coming up, and I want to do something but now that I am listening to Dave Ramsey, I know that I shouldn’t. On top of that, I want to visit my sister in Okinawa with the kids before she is stationed some place else. Today, my friend tried and tried to get me to commit to go to Paris or another European location. I shocked myself when I said that it wasn’t in my budget, and I was saving my money to go to Japan. She got irritated when I said that, but I finally have some willpower. No means no. I am done spending money. I am already debt free, but I want to have an emergency fund because you never know what will happen in the future. Thank you Dave Ramsey, I don’t know what I would have done without you.