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Dumping Debt and Building Wealth with Dave Ramsey~ FEBRUARY

post #1 of 240
Thread Starter 
Welcome everyone to February's thread This is a place for all of us Dave Ramsey followers to encourage each other in our quest to kick debt to the curb, build wealth and live like no one else

We are all at different parts of our journeys here. Some of us are just starting out, while others have been going strong for a while now. It does not matter what step you are on, just jump on in for support, encouragment and inspiration

I will copy Shanetedissac's original post from January, detailing where we all are in our journeys. If you have updates, just let me know. If you are new, I will add you

Let's get going for a great month!

Shane in CT:
0-- Get current on bills - n/a
1 -- $1,000 to start an Emergency Fund done
2 -- Pay off all debt using the Debt Snowball done
3 -- Three to six months of expenses in savings done
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement doing
4.5 Bar Mitzvah funding saving up to $3200/$21,000
5 -- College funding for children after the Bar Mitzvah's are funded
6 -- Pay off home early I so can't wait to be here!
7 -- Build wealth and give! --- Invest in mutual funds and real estate To be able to share will be a bessing.


Stephanie in AR (tannersmommy):
0-- Get current on bills DONE
1 -- $1,455 to start an Emergency Fund (extra for taxes)DONE
2 -- Pay off all debt using the Debt Snowball
1 DOWN

2 down (medical) 1/08
4 TO GO - $18K (med, cards, & car), $18K SL

3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! --- Invest in mutual funds and real estate


Galatea
BS#0 - na
BS#1 - done
BS#2 - $60000+
BS#3:
BS#4:
BS#5:
BS#6: Student Loan, no mortgage


Carrie (bc1995) in SE AR
BS#1: Done
BS#2: Working on
Student Loan


wendygrace
BS#1:
BS#2: In progress


Sarah (mom2dea)
Sarah from SC
BS#0 - done
BS#1 - done
BS#2 - Just paid off 1 card and 3100.00 towards Dh student loan !!! We have 1000.0 left on the student loan and his car will be paid of Friday and our other CC will be paid off on Monday so we only have that Student laon left
BS#3-Have not started yet will in March
BS#3.5 (have house)
BS#4- contributing 3% This is for my sanity
BS#5- college We are starting a small amount After the Student laon is paid off
BS#6- pay off home 125,000.00 We do pay 120 extra every month and have done this sence day 1


Bunnyslippers:
BS#0 -
BS#1 - 40/1000


MonkeyPrincess

Sam: organic-momma in Calgary AB
BS#0 - done
BS#1 - 50/1000
BS#2 - Before getting our tax refund we owe:
$2244 MC 1
$5346 MC 2
$2633.44 Brick Card
$6234 Consolidation loan
$40,000 Van loan (this is embarrasingly large, we totally got sucked in by the 0% financing when my 6 year old Subaru unexpectedly died on us. I'm not selling it now though because we would lose way too much money)


wendizbaby
BS# 0 - done
BS#1 - done
BS# 2 - It is there but skipping for now
BS# 3 - $1000


gsmama2
BS#0 - done
BS#1 - 350/1000
BS#2 - Medical $500
cc's $2700
car $9000


Mommyjoy7021
BS#0 - in progress
BS#1 -
BS#2 - cc's $12000
IRS
SL


Piglet68 in
BS0 -- N/A (bills were current)
BS1 -- Done.
BS2 -- Currently have two low-interest debts and one small student loan (I've been paying into it for years and it's almost done). We're reversing this step with BS3.5.
BS3 -- Done. (Three months' worth)
BS3.5 -- Goal is to save 30% of DH's salary by December 31, 2008. With this we'll pay off all debts and put the rest towards a downpayment. As someone else said: we "want to own a house so badly, we can taste it"!
BS4 -- Doing this already.
BS5 -- My father is doing this for both of my kids; his idea, a (generous) gift.
BS6 -- Hope to one day!
BS7 -- More hoping!


phathui5
BS#1 - Done
BS#2 - $466 Capital One
$614 Van loan
$1091 Best Buy
$1770 Midwife
$2184 HSBC Retail Services
$4249.63 Needed to get out of Truck loan
BS#2.1 - $593.34/$5000 sell truck fund


Sara in SC
BS#1 - done
BS#2 - done
BS#3 - Verizon Wireless 175.00 done
Greenbriair appartments 1200.00 done
IRS 750.00 done
CC#1 1000.00
CC#2 1250.00
DH school Loan 4500.00
DH Car 7000.00[/b]
BS#4 - 3/6 months expenses in bank
BS#5 - Invest in retirement - 3% currently


Jaime in West Virginia: That's me
BS#0 - n/a
BS#1 $922.05/$1000.00 Fully funded as of 02/11/08
BS #2 Roll that snowball, baby
WaMu #1: $821.65
Chase: $4747.87
WaMu#2: $6847.03


Barb in PA:
BS#0 - na
BS#1 - 1/08
BS#2 -



ReikiMommy07
BS#1 - 950/1000


JackieR
0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $200/$1000
2: Pay off all debt: $9500 home improvement @ 2.9%, $65K in student loans at about 3.5%, $145K home loan @5.5%
3: Three to six months of expenses in savings $0
4: 15% income into retirement: Always done - Current value about $110K
5 -- College funding for children: $50/mo goes to their 529 - Current value is about $800
6 -- Pay off home early
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land - I don't know much about what we have here because it's my husband's hobby.


Einley in WI
BS#1 DONE
BS#2 working on


my2girlz
BS#0 -
BS#1 -
BS#2 - gymoree - done
Target - in progress


Starling&Diesel in
BS#0 - done
BS#1 - 5/1000
In a standstill right now while getting fertility treatments. Good luck and we hope you end up with a BFP


APBTLuv in
BS#0 -
BS#1 - done
BS#2 - In progress


Guin in New Mexico
BS#0 -
BS#1 - done
BS#2 - working on


Namella in the expensive eastcost
Namellea in the expensive eastcoast
BS#0 - done
BS#1 - done
BS#2 - working on slowly. Two small student loans ($3K total) and Car (14K).
BS#3-Done (out of order)
BS#3.5 (have house)
BS#4- contributing 5% (out of order)
BS#5- college (thankfully grandparents are helping out already)
BS#6- pay off home (have combined Large SL (70K remaining) with this step; owe about $90K on house.


Heather somewhere in the northeast
BS#0 - done 1/08
BS#1 - Step 1: $771.25/1000. WOOOHOOOOO
BS#2 - HD:1867.28
Car: 3681.69
WaMu: 7078.28
At&T: 16,155.03
UCU: 11,465.43
Student Loan: 100,000
BS#3 -
BS#4 -
BS#5 - $200,000 mortgage
BS#7 -


MissSJ:
0-- Get current on bills Done
1 -- $1,000 to start an Emergency Fund Done
2 -- Pay off all debt using the Debt Snowball Our only debt is our car, what is the Debt Snowball?
3 -- Three to six months of expenses in savings Definately not done.
3.5 -- save for downpayment on house if you do not already own a house Done
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement We are currently putting 8% into dh's 401k but I'm guessing it is more important to pay off the car and build up our savings than to increase this to 15%?
5 -- College funding for children I wanted to open a 529 for the boys next month, per Dave Ramsey is it better to all of the above first? What about the tax benefits?
6 -- Pay off home early I don't even see this happening... What is the benefit, other than obviously not having a mortgage?
7 -- Build wealth and give! --- Invest in mutual funds and real estate


Amanda in
BS 0 - getting current


ILoveMyBabyBird in
BS#0 - getting current


Liz from Maryland (phathui5)
DONE0-- Get current on bills
DONE1 -- $1,000 to start an Emergency Fund
$5k to sell dh's truck, then about $5k more for other ones
2 -- Pay off all debt using the Debt Snowball
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! --- Invest in mutual funds and real estate


TattooedMama
0-- Get current on bills DONE
1 -- 300/$1,000 to start an Emergency Fund
2 -- Pay off all debt using the Debt Snowball
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement (still investing $100 monthly in Roth IRA)
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! --- Invest in mutual funds and real estate


CeciMami in NV
0-- Get current on bills DONE
1 -- $1,000 to start an Emergency Fund DONE (more actually since DH has unreliable income)
2 -- Pay off all debt using the Debt Snowball $16K CC, $13K SL, $20K Minivan
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! --- Invest in mutual funds and real estate


Amanda (mumkenna&lucas) in CA
0-- Get current on bills we are here should be current in next 2-3 weeks
1 -- $1,000 to start an Emergency Fund Hopefully we will be able to complete by end of Feb.
2 -- Pay off all debt using the Debt Snowball
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! ---


Daisie125 (michigan)
0-- Get current on bills - done! Finally!
1 -- $1,000 to start an Emergency Fund - $40.76/$1000
2 -- Pay off all debt using the Debt Snowball
3 -- Three to six months of expenses in savings
3.5 -- save for downpayment on house if you do not already own a house already have a house with a mortgage
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give!


esokitty in
BS 0 - getting current


artparent in
BS#0 - done
BS#1 - 700/1000
BS#2 - 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!


Ann in MN:
BS#0 - done
BS#1 - done
BS#2 - in progress


Elizabeth in CT:
BS#0:
BS#1:


Bridget in Missouri:
BS#0 -
BS#1 -
BS#3 -


arismomkoofie, Kelsi
BEF before step 2 is done:
Kelsi from Maryland
BS#0: done
BS#1: 900/2000
BS#2: Done!
Other SL are going on another step)


TanyaS in
BS#0: DONE
BS 1 DONE
BS 2 working on


Michelle in an expensive city:
BS#0: done
BS#1: done
BS#2: in progress


Mommyddeville
0-- Get current on bills - n/a
1 -- $1,000 to start an Emergency Fund *currently at $800
2 -- Pay off all debt using the Debt Snowball *snowballing right now
3 -- Three to six months of expenses in savings *will do
3.5 -- save for downpayment on house if you do not already own a house *already have a house with a modest mortgage
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement *currently at 7%
5 -- College funding for children *not started
6 -- Pay off home early *I want to move into a big enough house for our family, and then pay it off
7 -- Build wealth and give! --- Oh, to be at that point!


Allyoop 20 minutes from NYC
BS#0 -
BS#1 -
BS#2 - in progress


Jean (Red) in Mass
BS#0 - working on right now
BS#1 -
BS#2 - in progress
BS#3 -
BS#4 - n/a
BS#5 - kids are on their own


Andrea in TX:
BS#0 - done
BS#1 - done
BS#2 - Done as of 02/14/08
Now working on second mortgage


Wendi in:
BS#0 - in progress


ILoveMyBabyBird
BS#0 - in progress


lalaland42
Get bills current. - done
Emergency Fund - done
Pay off debt using snowball - Working on it!


Viv
BS#0 -


Charissa in OR
BS#0 -
BS#1 - done
BS#2 - in progress


Curvyred in
BS#0 - already done
BS#1 - done + month ahead budgeting
BS#2 - approx $60k, aiming to get $36k done this year!
BS#3 - not there yet
BS#4 - Still contributing company match. Not willing to stop.
BS#5:- Nothing yet--babe is still young though, so we'll catch up!
BS#6:- Can't wait!


sarahlyao
BS # 1 825.07/1000


mtm
I'm in step two, paid off my cc in Dec and now we're snowballing into dh's cc.


DandeCobb
Emily in Kentucky
BS #1 - $150/1000


Maggi315:
:
0-- Done, current on bills
1 -- Done
2 -- Debt including car: 49K
3 -- not yet
4 -- 1% of our yearly income from husbands job
5 -- college: community for oldest, not even thinking about others yet!
6 -- someday!
7 -- Someday!


Littleaugustbaby
0 - DONE
1 - EF $380/1000 (I only got paid for 1/2 the month of January, so I should be fully funded by the end of this month!)


Lafemmedesfemmes Christina
0-- Get current on bills
1 -- $1,000 to start an Emergency Fund- done
2 -- Pay off all debt using the Debt Snowball.
3 -- Three to six months of expenses in savings.
3.5 -- Save for downpayment on house if you do not already own a house.
we're in an apartment, and want to own a house so badly, we can taste it.
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give! --- Invest in mutual funds and real estate


allingreen
Step #0: Done.
Step #1: $85.28/$1000.00


cdahlgrd/Courtney
#0 in progess
#1 in progress
#2 3 credit cards, 1 student loan, van loan


Crunchy Doula/Jessica
0-- Get current on bills - Just about, this was the first month we weren't able to make a bill
1 -- $0/$1,000 to start an Emergency Fund - Starting
2 -- $0/$7450 Pay off all debt using the Debt Snowball - Ring, Capital One, Capital One, Chase, Discover, Us Bank; will have Ring, and both Capital Ones paid off completely in a week and the other three will be very low.
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5 -- College funding for children
6 -- Paid down mortgage n/a
7 -- Invest in mutual funds and real estate


kittywitty
1. $0/1000
2. $0/$37k (including car and student loans). Will be ~$4800/37k by end of month,
3. 0
4. 8% being taken out right now
5. College funding free for my kids, will save for extras like study abroad later
8. No home yet!
9. n/a
10. n/a


kayleesmom
BS#0- working on
BS#1- EF
BS#2 Debt Snowball


Mama Rana
Here's where we stand:
BS0 - not a problem
BS1 - done
bs2 - done (I just paid off my car and the credit card - whoot! That felt good. I paid off the car a year early.)
BS3 - I've got $2000/$15,000 I want to move that money into a different account though. I was thinking of a Money market (with checking) maybe with ING.BS4 - We're already at about 9% with DH's 401K and our IRA's
BS5 - We're funding this at about $200 a month
BS6 - I was working on this, but I'm going to put that on hold while I finish BS3. I did set up bimonthly payments which will end up being 13 full payments a year (26 half payments), rather than 12.
BS 7 - Can't wait!


FeelingBlessed
0-- Get current on bills - N/A
1 -- $1,000 to start an Emergency Fund - will be done w/ tax return (should be received this week - raided recently with renovation project)
2 -- Pay off all debt using the Debt Snowball - here we sit
3 -- Three to six months of expenses in savings
3.5 -- save for downpayment on house if you do not already own a house - Done
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement - we currently invest minimally in my 403(b); have IRAs from previous positions
5 -- College funding for children - both kiddos have 529s; mostly funded with financial gifts
6 -- Pay off home early - someday...
7 -- Build wealth and give! --- Invest in mutual funds and real estate - have a few real estate investment properties, one of which we will be selling within the next couple of years


dex millie
0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund: always working on this(we are not as strick on this)
2: Pay off all debt: CC1-PAID(it was 4000); CC2: 1900; BIL: 1150; MIL: 5000
post #2 of 240
Alright, well I'm starting this month with only $50 in my BEF so hopefully we'll be able to make that grow! I work a contract position and wasn't able to book as many interviews for January as I'd hope I would, so I'm going to work my butt off this month and hopefully be able to add lots!
post #3 of 240

bs1

we have 825.07 in bs1. hopefully, this will ramp up over the next few months.

sarah
post #4 of 240
Jaime, thanks for the thread.

Let me update my info:
Namellea in the expensive eastcoast
BS#0 - done
BS#1 - done
BS#2 - working on slowly. Two small student loans ($3K total) and Car (14K).
BS#3-Done (out of order)
BS#3.5 (have house)
BS#4- contributing 5% (out of order)
BS#5- college (thankfully grandparents are helping out already)
BS#6- pay off home (have combined Large SL (70K remaining) with this step; owe about $90K on house.

Thanks,
Angie
post #5 of 240
I'm in step two, paid off my cc in Dec and now we're snowballing into dh's cc.
post #6 of 240
I'm excited for February! We are currently on BS2. DH and I will sit down and do taxes together this weekend. We are hoping to be able to pay off 1/5th of our consumer debt and this will open up a lot of money to able to transfer money over with 4.99% till it's paid in full. This will drop our minimum payment so we can really snowball and pay off more at a time.

I'll also be upping our income this month since I'm going to start babysitting a newborn 4 days a week. This will bring in an extra $480/month to put towards debt. DH was given more territory to cover in January (he's in sales) so he'll be getting commission on 2 more areas starting this month. We are only living off of his $67,000 salary and considering his commission as gravy since it's been so sporadic over the past year or so. In the past we depended on his commission and that got us deep into debt since we weren't changing our lifestyle. His commission is sometimes a few hundred dollars or it can be a few thousand dollars. Any commission is now being put in the debt snowball.

This is our first real month that we will see things moving and I'm so excited!
post #7 of 240
after lurking for the whole month of january, i would like to join! now, are in the process of refinancing our mortgage so if they goes thru *fingers crossed* things are going to change but currently this is where we are:


Emily in Kentucky
BS #1 - $150/1000
post #8 of 240

My steps...

We don't do strict DR but I love this thread because everyone is so inspiring and I really want to live within our means and save more than we do. I think DR folowers' enthusiasm helps me feel passionate about being frugal and thinking long term. So, here's where we are according to the DR babysteps. I want to get serious about no revolving consumer credit balances and having cash savings in addition to investment savings.

0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $200/$1000
2: Pay off all debt: $9500 home improvement @ 2.9%, $65K in student loans at about 3.5%, $145K home loan @5.5%
3: Three to six months of expenses in savings $0 :
4: 15% income into retirement: Always done - Current value about $110K
5 -- College funding for children: $50/mo goes to their 529 - Current value is about $800
6 -- Pay off home early
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land - I don't know much about what we have here because it's my husband's hobby.

Thanks to every inspiring person on this list!
post #9 of 240
Let me update - we're working backwards as I have yet to convince DH that we need a BEF before step 2 is done:
Kelsi from Maryland
BS#0: done
BS#1: working on
BS#2: working on (almost done - only the Home Depot CC and a $9k SL left. Other SL are going on another step)

We are also trying to purchase a house. There is no way to follow DR's rules around here, but we are buying a fixer upper and plan to live there 10+ years. We are currently in a condo.
post #10 of 240
Thread Starter 
Quote:
Originally Posted by organic-momma View Post
Alright, well I'm starting this month with only $50 in my BEF so hopefully we'll be able to make that grow! I work a contract position and wasn't able to book as many interviews for January as I'd hope I would, so I'm going to work my butt off this month and hopefully be able to add lots!
Welcome!

Quote:
Originally Posted by sarahlyao View Post
we have 825.07 in bs1. hopefully, this will ramp up over the next few months.

sarah
It looks good so far!

Quote:
Originally Posted by namellea View Post
Jaime, thanks for the thread.

Let me update my info:
Namellea in the expensive eastcoast
BS#0 - done
BS#1 - done
BS#2 - working on slowly. Two small student loans ($3K total) and Car (14K).
BS#3-Done (out of order)
BS#3.5 (have house)
BS#4- contributing 5% (out of order)
BS#5- college (thankfully grandparents are helping out already)
BS#6- pay off home (have combined Large SL (70K remaining) with this step; owe about $90K on house.

Thanks,
Angie
I've got you updated

Quote:
Originally Posted by mtm View Post
I'm in step two, paid off my cc in Dec and now we're snowballing into dh's cc.
Awesome!!

Quote:
Originally Posted by my2girlz View Post
I'm excited for February! We are currently on BS2. DH and I will sit down and do taxes together this weekend. We are hoping to be able to pay off 1/5th of our consumer debt and this will open up a lot of money to able to transfer money over with 4.99% till it's paid in full. This will drop our minimum payment so we can really snowball and pay off more at a time.

I'll also be upping our income this month since I'm going to start babysitting a newborn 4 days a week. This will bring in an extra $480/month to put towards debt. DH was given more territory to cover in January (he's in sales) so he'll be getting commission on 2 more areas starting this month. We are only living off of his $67,000 salary and considering his commission as gravy since it's been so sporadic over the past year or so. In the past we depended on his commission and that got us deep into debt since we weren't changing our lifestyle. His commission is sometimes a few hundred dollars or it can be a few thousand dollars. Any commission is now being put in the debt snowball.

This is our first real month that we will see things moving and I'm so excited!
Welcome!

Quote:
Originally Posted by DandeCobb View Post
after lurking for the whole month of january, i would like to join! now, are in the process of refinancing our mortgage so if they goes thru *fingers crossed* things are going to change but currently this is where we are:


Emily in Kentucky
BS #1 - $150/1000
Welcome Emily!

Quote:
Originally Posted by JackieR View Post
We don't do strict DR but I love this thread because everyone is so inspiring and I really want to live within our means and save more than we do. I think DR folowers' enthusiasm helps me feel passionate about being frugal and thinking long term. So, here's where we are according to the DR babysteps. I want to get serious about no revolving consumer credit balances and having cash savings in addition to investment savings.

0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $200/$1000
2: Pay off all debt: $9500 home improvement @ 2.9%, $65K in student loans at about 3.5%, $145K home loan @5.5%
3: Three to six months of expenses in savings $0 :
4: 15% income into retirement: Always done - Current value about $110K
5 -- College funding for children: $50/mo goes to their 529 - Current value is about $800
6 -- Pay off home early
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land - I don't know much about what we have here because it's my husband's hobby.

Thanks to every inspiring person on this list!
Glad to see you here I have you added on to the list

Quote:
Originally Posted by arismomkoofie View Post
Let me update - we're working backwards as I have yet to convince DH that we need a BEF before step 2 is done:
Kelsi from Maryland
BS#0: done
BS#1: working on
BS#2: working on (almost done - only the Home Depot CC and a $9k SL left. Other SL are going on another step)

We are also trying to purchase a house. There is no way to follow DR's rules around here, but we are buying a fixer upper and plan to live there 10+ years. We are currently in a condo.

Welcome! I added you on
post #11 of 240
I'm in there 2x... Kelsi and arismomkoofie Thanks for starting the thread!!
post #12 of 240
Hi everybody.

Thanks for starting the Feb. thread, Jaime.

So glad it's payday - getting my envelopes refilled makes me smile.
post #13 of 240
Thread Starter 
Quote:
Originally Posted by arismomkoofie View Post
I'm in there 2x... Kelsi and arismomkoofie Thanks for starting the thread!!
Oh I see! I will fix it tomorrow I am at work tonight and the hampster that runs the work computer is very slow

How did I get that nifty thing under my name? About how saving money is my new hobby? However it got there, it is pretty cool
post #14 of 240
well, we sold our car! bikes and the car co-op now, so we should save some $.

my partner started a great new job , and will get paid in two weeks...it is all contract, so hard to predict, but hopefully in a good way! however, the transition from one job to the next has left us drawing on the emergency fund, some other savings, and credit

however, it may that our extended health benefits are going to be better and cheaper! and possibly all covered by his employer who will be covering lots of work expenses, particularly travel, which have been really dragging us down. i'm very excited!

so, back to step #1, and hoping to pay down the credit at high speed!

*
post #15 of 240
Thanks Jaime for all of the updates! We are going to tackle BS3 this month and really get it going. I'm skipping to that step since my job is on the rocks, though I'm thinking I could have it until July. That will really help us get somewhere. I'm trying to sell a car I inherited this month and that will probably bring in about 5,000/10,000 that I want for savings. And we already have $1000, so only $4,000 to make after all of that. That seems very do-able while I still have a job. If we get that rebate, then we are definitely good to go!! Then on to BS2!!!
Hope you all have a wonderful month of savings/debt payoff/or investing!!

Wendi
post #16 of 240
Subbing again
I am now halfway through reading his Total Money Makeover book and we need to open a savings account to start saving!
post #17 of 240
Quote:
Originally Posted by ~*Jaime View Post
Oh I see! I will fix it tomorrow I am at work tonight and the hampster that runs the work computer is very slow

How did I get that nifty thing under my name? About how saving money is my new hobby? However it got there, it is pretty cool
Awww... you got a DDDDC....
post #18 of 240
Subbing. Getting another $500 (withdrew from classes I didn't need) to throw at the debt.
post #19 of 240
Thread Starter 
I have a romantic night planned for DH. When he gets home from work we will have a nice homemade dinner. Then curl up on the couch and call to see how we can cancel our cell phone plan That will save us almost $90 a month to snowball Still trying to decide on prepaid phones. I have tried not to use my phone at all and it has been nice. I like not being at everyone's beck and call all the time, it feels unnatural to be so in demand all the time.
post #20 of 240
Hi Jamie:

Thank you so much for taking over this month. Would you please remove 3.5 (saving for house down payment) from my list. It was never an issue for us.

When I had the time I would go put some bolding in peoples lists on steps that they had completed. To stand out a bit over the non finished steps. kwim?

Again, thanks!

Shane
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