Click to go to Gloria Dei Lutheran Church's Web Site Welcome to Keith's FPU Page
Dedicated to FPU Coordinators, Facilitators, Classmates, and Guests!
This site is offered as a free resource for participants in Financial Peace University at Gloria Dei Lutheran Church in Houston/Nassau Bay, Texas, and for anyone who can benefit from this information!

A new FPU session at Gloria Dei will start in September 2014.

To inquire about this session, future classes, or more information about FPU at Gloria Dei, please contact Johnna Little.
Click here to see info about our class at DaveRamsey.com
Click to go to Dave Ramsey's FPU Page

Gloria Dei's FPU Class Schedule
Super Saving Common Sense for Your Dollars and Cents
Dave explains the seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money-and why you must start now!
Relating with Money Nerds and Free Spirits Unite!
Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of accountability, and parents will find out how to teach their kids about money.
Cash Flow Planning The Nuts and Bolts of Budgeting
Learning how to take control of your money starts with a budget. Unlock the secret of developing a monthly spending plan that really works.
Dumping Debt Breaking the Chains of Debt
It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.
Buyer Beware The Power of Marketing on Your Buying Decisions
Dave draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions.
The Role of Insurance Protecting Your Health, Family and Finances
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need-and what you need to avoid.
Retirement and College Planning Mastering the Alphabet Soup of Investing
Dave walks you through the maze of retirement options and helps you figure out your best retirement plan. You will also learn how to plan for college so your kids can graduate debt free!
Real Estate and Mortgages Keeping the American Dream From Becoming a Nightmare
Dave draws on more than 20 years of real estate experience to teach you the ins and outs of mortgages and how to win when buying or selling your home.
The Great Misunderstanding Unleashing the Power of Generous Giving
Learn how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.
Worksheets from the FPU Workbook
FPU Worksheets.xls This is an Excel Worksheet that replicates some of the forms in our class workbook. The individual sheets are available below.
FPU_Sheet_5_Monthly_Cash_Flow_Plan.xls This is the Cash Flow worksheet ("Sheet 5" in the workbook) alone. It is included in FPU Worksheets.xls, as well.
FPU_Sheet_7_Allocated_Spending_Plan.xls This is the Allocated Spending Plan worksheet ("Sheet 7" in the workbook) alone. If you get paid more than once per month, you NEED to fill out this sheet using the amounts in Sheet 5!
FPU_Irregular_Income_Planning.xls This is the Irregular Income Planning worksheet. A MUST for those with unpredictable income!
FPU_Equity_Sheet.xls This is the Equity worksheet alone. It is included in FPU Worksheets.xls, as well.
FPU_Income_Sheet.xls This is the Income worksheet alone. It is included in FPU Worksheets.xls, as well.
FPU_Lump_Sum_Planning.xls This is the Lump Sum Planning worksheet alone. It is included in FPU Worksheets.xls, as well.
FPU_Quickie_Budget.xls This is the Quickie Budget worksheet alone. It is included in FPU Worksheets.xls, as well.
FPU_Debt_Snowball.xls This Excel Worksheet replicates the Debt Snowball worksheet, just as it is in the book. No frills with this one!
FPU_Debt_Snowball_Calculator_V3.xls
FPU_Debt_Snowball_Calculator_V3.xlsm
*NEW!The newest version of the Debt Snowball Calculator allows you to watch the steps. Download the .xlsm version if you have Excel 2007 or newer. (10/17/2012)

FPU_Debt_Snowball_Calculator_V2.xls *This Excel Worksheet uses macros to actually run your debt snowball plan! Craig Zufelt has added a feature that allows you to run different snowball scenarious (thanks, Craig!).

*NOTE: You must have macros enabled to use these worksheets. To change your macros security level in Excel 2003 and earlier, go to Tools | Macros | Macro Security, and specify either Medium (recommended) or Low (NOT recommended!). For Excel 2007 and later, go to the Office button | Excel Options | Trust Center | Trust Center Settings, then either emable macros in the Macro Settings section, or add the location where you save the workbook to the Trusted Locations list.

FPU_Monthly_College_Planning.xls This Excel Worksheet replicates the college planning worksheet, adding the capability to work with multiple children. Calculate 'em and weep!
FPU_Pro_Rata_Plan.xls This Excel Worksheet is adapted from the FPU workbook to help you develop a "Pro Rata" plan. Use this one if you're behind on your bills and need a plan to pay everyone a fair amount.
Other Useful Worksheets
Gift_Budget_Worksheet.xls This is a simple gift planning worksheet. It's surprising how much we spend on gifts throughout the year!
FPU_Save_Withdraw_Plan.xls This is simple worksheet I constructed to assist in saving for retirement, and then planning for withdrawls from retirement savings.
FPU_Spending_Plan.xls This is my sample Spending Plan (a.k.a. "budget") worksheet template. Helps in establishing that zero-based spending plan!
Allocated_Budget.xls This is my sample budget specifically for folks who are paid every week. This combines the budget and the allocated spending plan, and is a great tool for managing your month with weekly paychecks!.
Miscellaneous
ProRataPlan.html This Email response presents an easy-to-understand example of the Pro Rata Plan, used when you can't make your minimum payments. (May 7, 2005)
Coupons.html We've used a worksheet like this to track our coupon savings. (10/03/02)
Links

Credit CARD Act of 2009
This is the link to the White House's fact sheet on the act. Get the facts! I also have this in PDF form here.
Dave Ramsey's Web Site
If you can't catch Dave's show on the radio (KSEV, 700 AM, 2-4pm in Houston), you can listen to the show live or via podcast
Mary Hunt's "Intelligent Borrowing or Stupid Debt" from Focus on the Family
Envelopes!
Do-It-Yourself Envelopes
Dave Ramsey's
Baby Steps
Class Pix
GDLC FPU Class Pix
0n-line calculators
from DinkyTown.net
(Java Required)
Dave's Free Forms in PDF Format
How to Write a
Household Budget
$$$
Keith's Shopping List Manager (beta test version) is now available!

FREE Credit Report
Go to AnnualCreditReport.com to get your free report for each of the big three credit reporting agencies. This is the real deal, not a sales gimmick like so many other "free" offers.
CBS TV
Dave on CBS TV!

Links to recent Dave segments on CBS's Early Show

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