Getting Out of Debt, December Edition - Page 3

[mtm]

welcome sweetpeppers, do you want me to add you to the list? Post when you have your ef and I'll put your in bs2.

beansmama, how frustrating on the tires, we had to do that last year. Yay on the motivation though, I find December a tough month to stay on track.

eirual, its not DR but if you go to slice.ca you can watch Til Debt do us Part. I often watch her when I need a kick in the pants.

annettemarie, we'll keep you on track. I have never bossed around a mod before, this could be fun.

earthmama369, oh no, I really hope you can appeal. Insurance companies suck.

welcome luckybamboo, let us know if there's anything you need help with!

[Jilian]

I haven't checked in here in a long time but we're still snowballing away. We've been on the DR plan for a year and 4 mos now and for the first time this month our net worth sheet was POSITIVE! We've paid off an insane amount of debt too, last I checked it was around $25,000 (mainly from selling stuff we don't need and cutting bills). We only have our car loan and DH's student loan left as debts and it is a great feeling. This is the second Christmas that we've saved up for (we put money away each month through the year) and it makes things to much less stressfull. I heart Dave for showing us the light.

[lactivistmama]

well. We had a major storm, major water issues and now I have a cracked windshield and 1 of my wipers doesnt work.. because I wasn't doing bad enough in Dec. LOL So no moving out of pre-step this month.. Hopefully I can just stay above water and next month is a new month..

[sweetjasmine]

Originally Posted by mtm

annettemarie, we'll keep you on track. I have never bossed around a mod before, this could be fun.

lol!!

[annettemarie]

I kind of like being bossed around.

I got off the phone with a friend-- talking to her about an emergency fund encouraged her to start an emergency fund. How awesome is that!

[mtm]

Jilian, woohoo You have been doing great.

lactivistmama, I guess a when it rains it pours comment would be in bad taste? January will be your month.

annettemarie, isn't it great when someone else starts joining in? I've got two girlfriends who were happy to trade in an evening out for an evening in, and we often trade tips.

[MCsMom]

I'm still here. Still trying to figure out what a good 'normal month' budget might look like for us. I am a little surprised about how long this is taking from when DH actually got back from Iraq. I am going to say we are still in step 3 just because it is hard for me to think that we might be in step 4 when I feel like we can hardly write a budget.



I also just want to add a little plug in for local banks. If you don't bank with a local bank and do business with a huge one instead, (I'm not going to name them, but you know, the ones that everyone in the nation and half the world can name) you should really think about changing. It is kind of like buying local food or WAHM made toys. It is better to have local people in charge of the local supply of money. /soapbox

[lactivistmama]

Originally Posted by mtm

lactivistmama, I guess a when it rains it pours comment would be in bad taste? January will be your month.

Thank you! That made me giggle

[mtm]

With three weeks left in 2009 I'm going to try and finally get my last financial goal of the year met. No one yell at me but we don't have wills and I got off my ass last week and called around to get lawyer referrals. found one I like and am making an appointment for next week.

[Softmama]

good job mtm, wills are essential but so easy to put off.

[p1gg1e]

Well there goes $800 ish bucks

We had not heard from the bank ( they would not talk to me and DH was working OT) about the loan , they said they had not gotten the appraisal. Some one sat on it at the bank. Well today we get a list of like 20 things we need to do to get our loan and ONE is fix the roof on the barn . the Sellers are getting upset and we are upset that we were not told sooner. We knew the roof was bad but didn't think it would effect the loan.

SOoo we are asking them to pay for the shingles and we will have it replaced..in a week. Ugh so now I have to drive around amish land and find a team to fix it... in this bad weather

Otherwise no house...at least its a triple paycheck month right?

[A&A]

Originally Posted by Rev1053

Not sure if this is appropriate or not... But DR is giving something away every day till the 25th.
I entered for $2K.
http://www.daveramsey.com/specials/c...id/rgiveaway4/
Just an FYI.

What's the catch? Does he sell the info to marketers?

[Maluhia]

Yay mtm - wills rock!

A&A - I assume he uses it for his own mailing lists, but just read the fine print - I'm sure they say

[A&A]

Originally Posted by Maluhia

Yay mtm - wills rock!

A&A - I assume he uses it for his own mailing lists, but just read the fine print - I'm sure they say

I did. It was still a bit unclear to me.

[_ktg_]

Originally Posted by p1gg1e

Well there goes $800 ish bucks

We had not heard from the bank ( they would not talk to me and DH was working OT) about the loan , they said they had not gotten the appraisal. Some one sat on it at the bank. Well today we get a list of like 20 things we need to do to get our loan and ONE is fix the roof on the barn . the Sellers are getting upset and we are upset that we were not told sooner. We knew the roof was bad but didn't think it would effect the loan.

SOoo we are asking them to pay for the shingles and we will have it replaced..in a week. Ugh so now I have to drive around amish land and find a team to fix it... in this bad weather

Otherwise no house...at least its a triple paycheck month right?

Aww p1gg1e! Here's good vibes in finding a team to fix the roof .

Is there someone maybe the seller knows or could suggest, especially if you're not familiar with the area. Or get a recommendation from your home inspector? Mine gave us a huge list of contractors & such he works with and recommends to all his clients. I have to say it was a handy list to have, given we were not from the area to start with.

[p1gg1e]

Originally Posted by _ktg_

Aww p1gg1e! Here's good vibes in finding a team to fix the roof .

Is there someone maybe the seller knows or could suggest, especially if you're not familiar with the area. Or get a recommendation from your home inspector? Mine gave us a huge list of contractors & such he works with and recommends to all his clients. I have to say it was a handy list to have, given we were not from the area to start with.

We asked the sellers to put the new roof on first to test the waters..have not heard back yet...

[eirual]

I think I've mentioned earlier that DH is planning on going to university this Fall, out East. Well, I just drafted up a plan to get us moved out there and manage tuition WITHOUT USING LOANS/CREDIT!!!

It is just a PLAN, but at least that's something. It looks like this:

Goal: $8,000 by August 1st. I have the numbers worked out, but not sure I want to share the world wide web.

• Fix up and sell our VW Van
• Sell our mini van (parents' old one)
• Our debt snow ball will be done, so we'll save those contributions....sorry FFEF, but we've got to get ourselves above water first!
• I'd have to do childcare over the summer and take in 2 kids.
• I won't be commuting through the summer so there's gas savings
• Sell furniture we don't want to take across the country with us

Some variables are:

• extra work/less work through the summer....I supply teach through the school year- I'll have to do more of it before june if I want to keep up with our current income through the summer. DH can sometimes get extra work as can I through childcare and tutoring.
• The amount we get for renting out our current house
• The amount we have to pay in rent out East
• The bottom line of moving expenses
• I need to be sure I get a FT job once we're out there so we can actually live and handle month to month expenses/carry on with our DR plan
• Renovation costs to get our house rentable- we should re-do wiring, and put down flooring.

DH's plan is to use OSAP (gov't student loan) and not worry. I like this one better.

[mtm]

sounds good eirual! Is it Dal? Such a great university.

[eirual]

Yes, it would be to Dal. I've heard nothing but great things about the city and university since we've been sharing our plan. I'm excited for a new adventure. I'm trying not to get too far ahead of myself as he hasn't been accepted yet, but from talking with admissions it's looking very likely.

[mtm]

ahem, you're not all hiding b/c you're out being bad I hope? I'm down to stocking stuffers and packing before we head out for the holidays on Friday night. Stockings are my worst expense killer but I think I'm doing good so far this year, a couple lip balms for the kids and some Christmas beer for dh and I'm good to go.