Originally Posted by artparent
i haven't met dave ramsey yet
but i'm following along.
we are current on our bills *tick
we are 700/1000 to an emergency fund
we have snowballed both credit cards to 0, but allowed them to pop up again. i'm addressing this in another thread!!! have a creditline to pay down, and another loan. i'm hoping to get rid of our car and join a co-op/ride a bike!
we have a home but we're looking for a bigger one!
so i guess that means we're on step 2, though i am slipping money straight from the gov't to my kids resp's, i just pretend it never existed.
lots of possibilities here.
have you folks stopped using credit?
Welcome! And yes, we have stopped using credit. I am very happy about that
Originally Posted by alleyoop
We took a hit today.
DH had a toothache, and the first dentist was $75.00, but he sent him to a second dentist for a root canal. The first thing the root canal dentist's office said to him when he walked in was how much it was going to be. They didn't take insurance (which we don't have anyway) and wanted payment in full before leaving. $1,300.00. Then $33.97 for the RX for pain and antibiotics. So, a grand total of $1,408.97, plus DH lost a day of work while getting all this done (he's self-employed).
The upside - we have it in the emergency fund and can pay it but it practically depletes our EF.
The downside - could this have been prevented had DH gotten regular dental care? He cancelled two appointments last year, one in August and one in September, for his regular dental checkup, which was way overdue back then. And he still needs to get a filling in the tooth where the root canal was done. And he needs a crown on another tooth.
But there is an upside, right?
I am sorry to hear that, glad you have the EF in place
I go to the dentist twice a year and I have had to have two root canals. I am one of those who is super careful with brushing and flossing, so I was always irritated that I had so many cavities when I truly try to take good care of my teeth. My dentist, however, said that some people's body chemistry is just different, and there wasn't much more I could have done to prevent it. So sometimes it just works out that way
Okay so I had a stroke of luck today. Yesterday our washing machine stopped working. DH looked at it last night and found a small part that was broken. He looked it up online and it is a cheap part, only a few bucks, so that was great. The downside? The place that carries said part is 30 minutes away so I was seriously bummed to have to drive there today because I have this driving ban going on. So DH reminded me that AC Moore is right next to this place, and that I had a gift card for there that I could use to get more yarn for blanket donations. That cheered me up. When my Mom called me this morning I told her about my trip, and she said that she really wanted to go to AC Moore as well, and that she would drive me there so I could save the gas money for my car
I am super happy that I don't have to drive up there, and also super happy that she can go yarn shopping with me
I know, small victories, right?
Anyway, as far as the credit vs debit thing goes.. Right after we were married and I was added to his checking account, our bank calls DH at work, where unfortunatly he has no cell phone service so he did not get the call, and tells him that his debit card has been used at an ATM.. in Russia!
Ironically enough, about 30 minutes before his card was used in Russia, DH had used it to buy gas at the local gas station in WV, which really helped as far as proving that DH's card was not stolen. He still had it in his possession. Anyway, they took about $500 out, which was only really in there because that was the wedding money we had. Basically they wiped out the account. So yes, as far as that goes, we were pretty much out of luck for that evening, anyway. However, by the next day the bank had issued a credit back to our account pending investigation. Basically they sent DH some paper work, we don't have passports so obviously we did not go to Russia and use an ATM, and his debit card was cancelled and reissued. It wasn't a long, drawn out process for us.
And for what it's worth, DH had never used his debit card for any online purchase whatsoever. He had also never lost it or even given it to someone like at a restaurant where they take it away to ring up the bill. So that proves that unauthorized purchases can happen even if you avoid online and avoid having your card out of your possession. So that being said, we now use debit if we have to order something online. I do not use credit anymore.