Join Date: Dec 2003
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Pre-Step 1: Get current on your debts and do a budget
0.1 Commit to NEVER borrow $$$ again Done
0.2 Talk with spouse and get him/her on the same page as you concerning finances. Done
0.3 Do a written budget Done
0.4 Temporarily stop all retirement contributions Done
0.5 Get current on all the basics (Shelter, Food, Utilities, Basic clothing) Working on this.
0.6 Amputate "toys" (bikes, boats, ATV's etc) if they will keep you from completing the snowball within 12 months Don't have any toys
0.7 Cut lifestyle (Cut CATV, Cellphone, Regular phone "extra's", Internet, Eating out, etc) and/or take second job if $1000 EF will take more than 30-90 days.
0.8 Get current on ALL bills Working on this
Please join in!
But somehow I've managed to put $270 into savings this time around. It seems like such a drop in the bucket compared to our goal amount, but every little bit helps, right?
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