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CACOSTA
Posts: 2,460 5/20/08 4:57 P
Wow, You are all doing awesome! Congratulations! Carolyn
“Know the true value of time; snatch, seize and enjoy every moment of it. No idleness…never put off till tomorrow what you can do today.”
JULESGL
Posts: 9,609 5/17/08 1:37 P
You GO GIRL! What progress you are making!!!!!
Live like no one else, so later you can LIVE like no one else
"No man in the wrong can stand up to a man in the right who keeps on a-comin." - Texas Rangers
Dare to be a Linchpin - Seth Godin
Pounds lost: 6.0
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MRSFIXIT
SparkPoints: (61,307)
Fitness Minutes: (21,113) Posts: 14,039 5/15/08 11:43 P
Thanks for that info! I checked it out. Actually, I have 3 budgets for us: his, hers, & the business (one budget, per checking account we use to pay bills). I plan these out for the whole year (in December of the prior year). Each Friday, I go over each budget to pay the bills, record what's been paid, & make any needed changes (like when amounts go up or down). Since we've paid off so many debts, this has gotten MUCH easier! With all of the debt we've paid off & juggling things around, we're now saving more in our monthly expenses than I was making in my last job! That means that anything I make in my new eBay business is "extra", & that feels pretty good!
Donna (Upstate NY)
"Even monkeys fall out of trees."
"Suffering is the tuition one pays for a character degree."
"Accept your diagnosis, but never your prognosis."
Donna, you just keep hacking away at what you have! Dave Ramsey has only been "salaried" for 2? 3? months of his life. At all other times he's been straight commission. There are some forms on his website you can use for variable income if you want them:
Live like no one else, so later you can LIVE like no one else
"No man in the wrong can stand up to a man in the right who keeps on a-comin." - Texas Rangers
Dare to be a Linchpin - Seth Godin
Pounds lost: 6.0
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JULESGL
Posts: 9,609 5/15/08 1:50 P
Welcome! I always like making new Gazelle Intense friends!!
Way to go helping your son avoid a lot of the pitfalls that money can lead you to! Have you seen DR's new "Generation Change" stuff? I am so impressed by it and what it could do to help that teen to college age person live more freely. Julia
Live like no one else, so later you can LIVE like no one else
"No man in the wrong can stand up to a man in the right who keeps on a-comin." - Texas Rangers
Dare to be a Linchpin - Seth Godin
Pounds lost: 6.0
0
9
18
27
36
PEACEB2U
Posts: 470 5/3/08 11:02 A
I love Dave Ramsey. I try to check out his TV show every night at 8 PM EST on the Fox Business Network. I've considered trying his online Financial Peace University classes but just can't bring myself to pay the fee at this time to do it.
Check out the "Money Savers" spark team and start working on a debt-free diet
current weight: 201.0
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MRSFIXIT
SparkPoints: (61,307)
Fitness Minutes: (21,113) Posts: 14,039 4/25/08 9:40 P
We can't follow Dave Ramsey's plan the way it was meant to be followed because we have a lot of variable income. We have, however, been following his progression of which bills to pay off first. Since about the beginning of last year, we've cut our expense by $1,105 per month.
We're going to be upgrading my car, & this will actually REDUCE our car payment by at least $80 per month because we're going from an interest rate of 16.25 to 5.75. Then we're selling my current car ourselves, & since it's worth much more than we owe, we expect to have an extra $2,200 over the loan pay-off. We'll use some of this to pay off 2 more bills for another $150 a month in savings. The rest will go into our savings to increase that to $,1500. So in less than 1 1/2 years, we will have reduced our bills by $1,335 (or more) & increased our savings, too. And the real shocker: I quit my job to run an eBay business at home! Not too shabby, huh?
Donna (Upstate NY)
"Even monkeys fall out of trees."
"Suffering is the tuition one pays for a character degree."
"Accept your diagnosis, but never your prognosis."
Hi All, I to am a Dave Ramsey fan. DH and I have been working the plan for just a little over a year and a half and we are debt free except for the House. Working his plan has allowed me to stay at home with our little girl. We plan on having having a baby and paying off the house in the next 5yrs. We have friends who don't really understand us now but sooner or later they will follow us to the light or the dark side depending on how you look at it(LOL). I also like to read Mary Hunt and Suze Orman. The big thing to know about Dave is to Make a commitment and stick with it. We got mad and paid off debt. SO I know it can be done. Good luck to all ejb1970
Edited by: EJB1970 at: 4/25/2008 (17:26)
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MEL_OT
SparkPoints: (0)
Fitness Minutes: (8,090) Posts: 307 4/25/08 12:04 P
It's awesome to be debt free (except the house). We have friends who live in much larger houses than ours, but they can't afford to furnish them. I like that we can buy carpet or a couch and not have to worry about it (by the way I'm an occupational therapist and my husband is a cop - so we are by no means making big time money).
What a Wonderful World...
GOGETCONNIE
Posts: 199 4/25/08 11:56 A
My husband and I are working the Total Money Makeover steps now. It is a blessing to feel more in control of our money instead of the other way around.
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NANCYLEE46
SparkPoints: (96,448)
Fitness Minutes: (59,745) Posts: 21,393 4/25/08 10:53 A
MEL_OT,
I am excited you joined the team. Must say, I am a Suzie Orman reader myself. Looking forward to hearing your insights on money saving.
nancylee46
“Friendship is born at that moment when one person says to another: ‘What! You, too? Thought I was the only one.’” (C.S. Lewis)
SparkPoints: (0)
Fitness Minutes: (8,090) Posts: 307 4/25/08 8:15 A
I've not been to a live event, just books, radio, and tv. I hope you learn a lot!
What a Wonderful World...
JENNIFERLYNA
SparkPoints: (10,547)
Fitness Minutes: (8,036) Posts: 1,223 4/24/08 10:51 P
Hello and welcome to the team. I am a Dave Ramsey fan too. I am going to attend his live event in Salt Lake in May and I can't wait.
Life's a journey not a destination.
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MEL_OT
SparkPoints: (0)
Fitness Minutes: (8,090) Posts: 307 4/24/08 8:52 P
Hello all - I am a big Dave Ramsey fan and am pleased that my husband and I live below our means. I am glad that we are teaching our son how to be financially responsible. I am hoping to learn more ways that my family can be better money savers!
What a Wonderful World...
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