Getting Out of Debt, Jan Edition - Mothering Forums

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#1 of 140 Old 01-01-2010, 02:00 AM - Thread Starter
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It's 2010! Happy new year everyone. Make this the year you get your financial house in order. Who is in for a month of getting out of debt and getting into financial shape? Most of us use Dave Ramsey's method but please join us even if you're following someone else/your own plan. All welcome!

Here's DR's plan:

These are the Baby Steps:

Pre-Step 1: Get current on your debts and do a budget
0.1 Commit to NEVER borrow $$$ again
0.2 Talk with spouse and get him/her on the same page as you concerning finances.
0.3 Do a written budget
0.4 Temporarily stop all retirement contributions
0.5 Get current on all the basics (Shelter, Food, Utilities, Basic clothing)
0.6 Amputate "toys" (bikes, boats, ATV's etc) if they will keep you from completing the snowball within 12 months
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

BS1 $1,000 to start an Emergency Fund
1.1 Chop up/freeze CC's (You have an EF now)
1.2 Get Health insurance NOW if in the US (chances of getting sick w/ major medical bills are larger than that of death)
1.3 Get Life insurance NOW if you have considerable debt/your family couldn't make it financially if you died.
1.4 Amputate cars that you can't pay off within 24 months
1.5 Consider raising insurance deductables to $500 or $1000

BS2 Pay off all debt using the Debt Snowball
2.0 Do the debt snowball, paying all your debts from lowest BALANCE to highest.
2.1 You can take your first vacation since finding Dave if you can pay cash for it (no using the EF !!!)

BS3 Three to six months of expenses in savings
3.1 Start car replacement fund
3.2 Save up 20% for home purchase OR pay down existing mortgage to the point you can drop PMI.
3.3 Start furniture or other non-essential stuff replacement fund

BS4 Invest 15 percent of household income for retirement

BS5 College funding for children

BS6 Pay off home early

BS7 Build wealth and give! Invest in mutual funds and real estate


Here's the link to Dave Ramsey's website:

www.daveramsey.com

Please join us!
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#2 of 140 Old 01-01-2010, 02:01 AM - Thread Starter
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If you need added or removed from the list, or I got your details wrong just let me know and I'll fix it.

Pre-Step 1
anstar
BelovedK
BonnieNova
dfunk98
Gray's_Mommy
greenmom4
kittywitty
lactivistmama
luckybamboo
madsommer
MamatoWill
Miasmamma
papayapetunia
Stephenie

BS#1: Save up $1000
2lilsweetfoxes
annettemarie
Contrariety
CookiePie
crunchymomof2
dex_millie
Evenstar
fairydust020409
JamieB
JenniferH
JustKiya
Kaitnbugsmom
KnittingKara
Krisis
Ksenia
ktg
Leav97
lj2blessed
mamabain
mommaknowsbest
neveryoumindthere
NWmt_Mama
prana
Sihaya
teenyToona
Tryingforbaby

BS#2: Pay off all Debt (except the mortgage)
100%Mom
AFwife
AllieFaye
astar326
Belia
Bluegoat
canuckgal
claddaghmom
Cody'smomma
ColoradoMama
Contrariety
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cymbeline
Deir
eirual
excitedtobeamom
FeelingBlessed
FiveLittleMonkeys
goldfishkate
HappyMommy2
Hedgehog_Mtn
herwitsend
hollytheteacher
indie
jeliphish
jjawm
kavita
Keeta
killick
kings5queens4
lalaland42
laohaire
LittleBirdy
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Livi's_Mama
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mamabain
MamaPam
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my2girlz
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onlygirls
onthemove
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samandhenrysmom
shllywlly
smallmama
stellarae
sweetjasmine
thenaturefreak
Tradd
tricia80
triscuitsmom
tynme
twin_mama
whiddle

BS#3: Build up to 3-6 months of savings
akichan
annethcz
beansmama
Crunchy*VT*Mom
Denvergirlie
mammamo
maryjane
MCsMom
mtm
Nora_SEA
phatui5
phillytwinmama
Rev1053
sarafi
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BS#4


BS#5
Maluhia

BS#6
kanga1622
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Softmama
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#3 of 140 Old 01-01-2010, 02:05 AM
 
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YAY January

Your User Agreement here at MDC, read it and make it your friend and read the FAQ to answer all the questions of the (MDC) world.
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#4 of 140 Old 01-01-2010, 02:15 AM
 
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I'm game...we are going from two incomes to one in January & our EM was wiped out.

Pre-Step 1 joiner

A doula who married a cop & became a mama to 3 boys: G 12/22/00, my rainbow baby B 2/2/07 and L 2/10/10 my CBA2V baby, waiting for my little caboose late February 2013 & always remembering my two angels 2006 & 2012.

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#5 of 140 Old 01-01-2010, 04:02 AM
 
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Please add me to BS #1.

I'm in! We are on baby step #1. We just finished our first budget and will have our emergency fund in place by then end of January.

We are getting our debt snowball in order right now.
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#6 of 140 Old 01-01-2010, 09:36 AM
 
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good morning and Happy New Year!!

I realized that for the last couple of months we have not been doing the "zero budget" and that the extra is floating off to nowhere. So last night we sat down and hashed out our zero budget. If we stick to it, we should be able to send $1200 to our HEL this month. WOOT!

I finally drew up a little chart of our HEL and have it taped to the side of the cabinet in the office so that I can color off sections as we go. so far we have dropped it from $35K to $27K. We have a long way to go, but I'm proud of how much we've done.

Happy January everybody!
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#7 of 140 Old 01-01-2010, 11:40 AM
 
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Happy New Year.

Here is to much success in the new year.

Super excited that we paid off our car a few days ago.A year and 4 months early. No more car payment ever.

Now on to DHs student loans and a moving fund.

Pernille, Married to : mom to my 2 littel boys :4/12/07 and : 8/24/09
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#8 of 140 Old 01-01-2010, 12:02 PM
 
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Still plugging away at BS2!

Happy New Year everyone!!!
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#9 of 140 Old 01-01-2010, 12:35 PM
 
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Woohoo! Fresh Start!

Plan on finishing up bs 3 in the next few months (I can't wait for tax refund time!!) and then onto saving for the house! I'm officially back with some gazelle intensity
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#10 of 140 Old 01-01-2010, 12:46 PM
 
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Okay I'll join! We loosely follow dave ramsey, so i am not sure if you should put me in the chart or not but here's the areas we conflict with dr

Freezing retirement contributions: dh won't do that, he just started contributing this past april, so i don't see him stopping that.

1. Have emergency fund of 1000K


BS2 Pay off all debt using the Debt Snowball
2.0 Do the debt snowball, paying all your debts from lowest BALANCE to highest.

Dh wants to snowball w/o saving up for the 1000K first and we don't have a savings account to keep the money separate, what should I do? Dh wants to straight pay the debt snowballing like we have been doing, i would really like the 1000K, so i guess we aren't on the same page exactly. The initial deal was to do both at the same time, ie, we have 500 extra in a month and put half in savings, half in the snowball, but that hasn't happened as of yet...

He're the low down of our current situation:

Monthly minimum expenses: 4000K, this doesn't include mine and dh's health insurance that come directly out of his check, that is an extra 385$, so lets say dh needs to net minimum 4000 a month for everything except 401k, taxes and health insurance.

of our expenses: 2800 is paying off all debt, which includes: cc, mortgage, car, student loans, taxes. 1200 includes gas/groceries/utilities/clothes, etc.

Dh grossed 82K in 2009 of which we paid off $21500 in debt not including mortgage payments. Dh had and accident and incurred 5K in medical bills. We haven't started paying the medical bills yet. I think dh just wan't to wait for the settlement and pay them off then. Dh will get a settlement at some point which may wipe out all our non-morgage debt, but don't know when that will happen. We have currently 32K in debt, not including 160K mortgage.

as of today we have 1900 dollars in the bank for january. So we still need another 2100 til the end of the month. I do have 40$ on a walmart g/c i will use for groceries, 60$ in my paypal account and 60$ in cash, so that's about 140$ in income, but dh needs a new coat so that may cost 100$, so really we have about 40$ less, so i guess we still need 2060 for january. At what point do we start putting money EF savings? Should we have 4000k at the beginning of the month for all expenses? My dh works 100% commision, so income flucuates a lot, the lowest he's made is 2100K and the most 12000K in one month. January/feb are normally bad months so we are both reluctant to do much emergency funds or snowballing until we know where the month is headed.

Guess you could go ahead and put me in BS#1 for now...

Maybe I am just dense, but I can't wrap my head around how much money we should start out with...

okay i don't have the original dr book, but have a spin off book, i'm off to go look at what i need to do about our flucuation income situation and hopefully answer my own question...

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#11 of 140 Old 01-01-2010, 01:14 PM
 
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Please add me to BS #2.

Last week I paid the last on a medical bill and a CC and now I am working on paying off another CC. Every dollar counts!

The balance on this card is $2,429.93.

It will be nice to have this place to come and talk the Dave talk. Two of my dearest friends just bought brand new vehicles this week (financed) and it has been a struggle for me. We actually NEED a new vehicle as ours no longer fits our family, but we are determined to save and pay cash. It has been tempting to see our friends get their new cars and still have to remind ourself that our day will come, but it will come with NO payments. Patience. Patience. Patience.

I will be true to the promise I have made to you and to the One who gave you to me
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#12 of 140 Old 01-01-2010, 02:13 PM
 
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HAPPY NEW YEAR!

The last dream I remember before waking up today is that I was at an FPU meeting (I've never attended one) and they were all pressuring me to sell my purse because I could put the money towards my snowball. It was really an odd dream but I find it interesting that it was my NYE dream - I don't think I'm going to sell my purse but I wonder what hidden message might have been in the dream.

I'm going to keep track of BS2 on this thread in the form of percentages, starting from 12/1 (when I first started focusing on getting out of debt again).

BS2 Progress

3.7% / 100%

That number looks crazy tiny but hey, it is what it is, right? We'll find out about my husband's first commission payout soon - they made their quarterly goal and he was there for 5/13 weeks of the quarter so he'll only receive a partial commission but it will go straight onto the snowball.
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#13 of 140 Old 01-01-2010, 07:22 PM
 
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I am still on pre-baby step one because I am just starting to draw up a budget. Still don't have DH completely on board but hoping to get there. I am thinking that to save up the 1000 emergency fund I will use the boys child care credit. This is money we don't count in the budget and that comes to me so DH doesn't really pay attention to it. I will feel better if I have it. I think I will have to start a separate savings account otherwise DH will spend it- on bills and such but still I want the emergency fund.

Mama to two loqacious and bouncy boys.
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#14 of 140 Old 01-01-2010, 07:34 PM
 
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I'm still here (and still pregnant :-( ) we were discussing a way to pay off all the debt earlier today. I'd like some feedback so I'll be posting for advice about that soon. We are still on BS2 but doing really well considering.
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#15 of 140 Old 01-01-2010, 08:02 PM
 
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Please add me to pre-step 1. Thanks!

I am pretty gung-ho about this. I started a business in 2008, accumulating a ton of debt, and am getting divorced. It's time! I'm finding it really difficult doing the budgeting because of being self-employed, but I'm doing the best I can. I hope to have saved the $1000 by the end of the month.

ETA: I'm actually doing 2 plans - one for personal and one for business.
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#16 of 140 Old 01-01-2010, 09:34 PM
 
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We are definitely needing to get really serious. Baby #3 is coming in march and I have gotten used to being able to take all the little jobs that come my way. I won't be working much at all for a while so I need to get serious! Our cc debt is whittling down fast- next battle- the car!
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#17 of 140 Old 01-01-2010, 10:06 PM
 
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We are on BS#2, except for that wee pre-baby step "0.2 Talk with spouse and get him/her on the same page as you concerning finances." DH is pretty good, but doesn't have the intensity or commitment I have (yet!) Thus we haven't dropped the luxuries such as satellite tv. Our only debt is a car payment, so my bull's eye is on that for 2010. Feeling confident!
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#18 of 140 Old 01-02-2010, 02:55 AM
 
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Hello all, I've slacked lately, but I'm joining again, because darn it, it's a new decade, and I (we) need to do better!

I'm still on BS 2. In 2009, with me being on unpaid mat leave for 14 wks, plus $3700+ out of pocket in baby-related bills, plus our taking out a loan for a new(er) vehicle, we've gone backwards quite a bit. Last spring, we were on BS3 (briefly), but now we're not even close, plus I had to dip into savings this past month to get cash out for daily expenses. DH's cc were paid off, but since November, he has put around $3K on cc for a bunch of wants-not-needs ($ which sure would be nice to have in the bank instead of earmarked for the cc, as his work looks like it may end up being unexpectedly slow this month...).

We're not by-the-book DR'ers, and DH is still not totally on board (although he does at least listen to DR at work lately), but here's where we are as of today:

BS2 Pay off all debt using the Debt Snowball -
2.1- DH's cc - $1500 remaining (he paid $1400 to the cc this month!)
2.2- Car loan- ~$11, 500 remaining-


BS3 Three to six months of expenses in savings (PAUSED to return to step 2 - 49% saved after subtracting what I took out this month- not comfortable with clearing this out to pay off debt, as we have large health insurance deductibles)

(Hmmm... come to think of it, I think I need to get over my comfort issue with having a certain level of $$ in savings, and just write DH a check to pay off the darn credit card, so we can start the new year with a clean(er) slate...

BS4 Invest 15 percent of household income for retirement (DH saves 5% each month, and he will continue this)

Also, not sure where this would fit, but I'm planning to save real live money for my upcoming work-related training course, rather than let DH put it on his ever-loving cc, as he will probably offer to do. I guess I'll be meal planning and working more shifts to cover the workshop...

Workshop $0 / $1000 (enrollment fee, plus 5 days hotel expenses for the family)

“War is peace.
Freedom is slavery.
Ignorance is strength.”
― George Orwell, 1984
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#19 of 140 Old 01-02-2010, 05:56 AM
 
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Okay, I'm in. Add me to BS#2, please. I just sat down, paid bills, realized just how much money I waste. It's shameful, really.

All our debts will be paid off by the end of February. I just need to stay accountable to someone, and since dh is deployed - looks like this thread is elected!! I'm excited about what this year can hold for us if I can stay disciplined!!!
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#20 of 140 Old 01-02-2010, 10:41 AM
 
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I like the idea of keeping track of BS2 with percentages. I am going to keep track that way also.

1.5% total debt paid since 01/01/10

Geesh that is small! This will keep me going to up that percentage!

I will be true to the promise I have made to you and to the One who gave you to me
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#21 of 140 Old 01-02-2010, 12:35 PM
 
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We're still in BS2, but hoping to move on to BS3 (a.k.a. tuition and moving savings, not really a FFEF savings) in about 4 mos.

Our kitchen reno is coming along, and I've been meaning to total our expenses, so I guess here's my chance.

tile: $174.97
screws: $60.00
wood and accessories: $77.08
wiring and more wood: $324.97
dumping fees: $30.00
stove wire and accessories: $95.55
drywall and accessories: $163.55
total so far: $926.12

We still need: more drywall (~100), countertops (~350), tiling mud/thinset (~100), hardware for cabinets (~100)

Projected grand total: 1,576.12
oh, and a few pieces for plumbing...(~$ ??...$50?)

We had $654 cash to work with, which means we've stolen $272 from the EF. Looks like all of the things we need will have to wait until February...unless we keep Jan's snowball money and use it on the kitchen and EF pay-back....which we may do given that we've paid more than we planned in both Nov and Dec.

We'll see.....

Laurie, wife to guitar.gifDH (Aug/04), mom tobikenew.gifDS1 (Nov/05) and bfinfant.gifDS2 (June/12).

 

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#22 of 140 Old 01-02-2010, 04:48 PM
 
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We were getting so close without Murphy visiting during this reno. DH just discovered a good chunk of knob and tube wiring as well as our cast pipes being un-salvageable running to the kitchen drain. These are both issues that NEED to be adressed before we move on, so it looks like the countertop, the ceiling, the paint, and the cabinet hardware will have to wait- and honestly, I'm okay with that.

FIL was trying to convince us to just finish it and that you have to go into a bit of debt for any renovation, but I mentionned that we've made some pretty big changes in our financial habits and that we're both commited to only doing what we can afford to do. He respected that, and really it's our decision not his anyways.

Soooo....here's hoping that things stop popping up!!

Laurie, wife to guitar.gifDH (Aug/04), mom tobikenew.gifDS1 (Nov/05) and bfinfant.gifDS2 (June/12).

 

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#23 of 140 Old 01-02-2010, 06:57 PM
 
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We are on BS2. My goals for the year are to finish BS2 and start on BS3.

BS2: in progress 0/19434 (but have saved $9,285) waiting to know for sure about DPs job before throwing money at it.

BS3: not yet started (unless DP doesn't have a job soon, then we will keep $$ in savings rather than throw at debt) Want to start paying down PMI on house.

BS4: currently 5%

BS5: --

BS6
: not yet but at least we're paying some principal and not just the interest!

Oh! I checked out TMMO from the library and have started reading it. Looks good, but there's not much info I didn't already know. But it will be fun to read the stories.

                                       DS 7 ~ DS 3

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#24 of 140 Old 01-02-2010, 07:00 PM
 
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eiural~I envy that! My DP is more or less on the same page, but he would not be ok with waiting to get that stuff. You guys rock!

                                       DS 7 ~ DS 3

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#25 of 140 Old 01-03-2010, 03:06 AM
 
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Still plugging away at BS3. I feel like we're finally making progress though. We're up to 70% of FFEF.

I'm trying NOT to count my chickens before they're hatched, but if I stay on budget this month we'll make it to 79% FFEF by the end of January. Hooray! And if I keep it up, we might make it to 100% by March.

I think I can, I think I can....

Eirual- good for you, deciding to cash flow the remodel instead of going into debt to finish it.

New signature, same old me: Ann- mama of 2 boys and 2 girls, partnered to a fabulous man.
I'm an unintentional weasel feeder and I suck at proofreading.
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#26 of 140 Old 01-03-2010, 07:35 PM
 
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just canceled my stbx's cell phone from my plan.. so I just gained $52/month! I knew you ladies would share the excitement of that!! It has been really hard (in all aspects but especially financially) with the separation and I feel like I am in such a financial hole that I will never get out of, so that $52 feels good..
Now if I could just get out of the pre-step I would be good

"If we are to heal the planet, we must begin by healing birthing."
~Agnes Sallet Von Tannenberg
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#27 of 140 Old 01-03-2010, 07:51 PM
 
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Quote:
Originally Posted by lactivistmama View Post
just canceled my stbx's cell phone from my plan.. so I just gained $52/month! I knew you ladies would share the excitement of that!! It has been really hard (in all aspects but especially financially) with the separation and I feel like I am in such a financial hole that I will never get out of, so that $52 feels good..
Now if I could just get out of the pre-step I would be good
Yay! $52/month is $52 more than you had prior to today so that is great. They're called baby steps for a reason.
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#28 of 140 Old 01-03-2010, 07:57 PM
 
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Talked to DH last night about stopped 401k's etc & throwing everything we can at the van loan to get that (God willing) pd off by the end of 2010. While I'm sure we'll run into differences of opinion, he's on board with this!!! So now I just have to do all the necessary paperwork...
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#29 of 140 Old 01-03-2010, 10:00 PM
 
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Originally Posted by Livi's Mama View Post
Talked to DH last night about stopped 401k's etc & throwing everything we can at the van loan to get that (God willing) pd off by the end of 2010. While I'm sure we'll run into differences of opinion, he's on board with this!!! So now I just have to do all the necessary paperwork...
Gotta love it when something goes smoothly!

Today I walked away from an impulse purchase. I went into Best Buy (I'm the gadget geek) to look at the new Apple Magic Mouse. Of course I loved it but I talked myself out of it. My husband was going to buy a new keyboard for his computer but also decided to wait because his current keyboard still works just fine (without all the bells and whistles). Those two items would have been $120 + tax...so while I didn't save $120 I did avoid spending $120.
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#30 of 140 Old 01-03-2010, 10:04 PM
 
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Join Date: Mar 2004
Location: on the beautiful prairie of MN
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Originally Posted by lactivistmama View Post
just canceled my stbx's cell phone from my plan.. so I just gained $52/month! I knew you ladies would share the excitement of that!! It has been really hard (in all aspects but especially financially) with the separation and I feel like I am in such a financial hole that I will never get out of, so that $52 feels good..
Now if I could just get out of the pre-step I would be good
Woo hoo! I know how you feel, I'm counting down until my cell phone contract is up in June. It's not worth it to cancel it and pay the early termination fee. After I'm out of contract, I'm going to prepaid.

New signature, same old me: Ann- mama of 2 boys and 2 girls, partnered to a fabulous man.
I'm an unintentional weasel feeder and I suck at proofreading.
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