Welcome to the Dave Ramsey Fans SparkTeam! Jules is our team leader. I'm unemployed, as soon as I get a job I'll resume Dave's babystep 3. Please join us on the TMMO daily chat thread, and introduce yourself. If you follow his babysteps, let us know where you're at. There is lots of support on this team when you post. Debt is normal; we're weird. Welcome to the weirdness, we're glad to have you join us on the journey to freedom. Welcome! Carol
What an accomplishment you have made for yourself, since 95% of the people who joined when you did have long since QUIT. I love seeing your tracker and how much you have done to improve your health and all the love you have for YOURSELF!!!
I know this third year will be even better, now that you are stronger and know all you do to get to your goals!