ELP's??

The first time my husband said, "We need to contact an insurance ELP", my reaction was...."What the heck are you talking about?".   ELP stands for Endorsed Local Provider and they are WONDERFUL!!!  These are professionals that Dave Ramsey recommends for certain types of business (Insurance, Investing, Real Estate, Taxes, etc.) and these people must have "the heart of a teacher" as Dave puts it.

Our first visit with an ELP was with our new insurance agent.  It was a different experience working with him because you could tell he really cared about his clients and was not just out to make a buck.  Plus, he ended up saving us over $500 a year on our insurance and we got more coverage!  Our second visit was with an Investment Agent and he was also wonderful to work with.  The plus is that these professionals are going through (or have gone through) the Financial Peace University and know exactly what you are talking about and looking for.

I would recommend checking out a local ELP to see what they can do for you.  You can find the information on Dave's site.  It is on the homepage on the right hand side.

My Fancy Envelope System....

Here it is, my fancy envelope system. Actually, it is the Financial Peace University Deluxe Wallet Envelope System. They no longer carry this specific wallet, but you can see what else they offer in Envelope Systems. I was lucky and caught this on sale for $10.00, so keep an eye out for that!

The wallet has a built in envelope system.  As you can see from the picture, mine has a bit of cash and a TON of coupons in it.  And, no....those are not credit cards!  There is not a spot for credit cards, but there are spots for debit cards, grocery cards and insurance cards.

I love this wallet and it is much easier to handle than a ton of envelopes or a coupon holder.