Dumping Debt and Building Wealth with Dave Ramsey~ April - Mothering Forums
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This can't be right, it is APRIL tomorrow?? Where is the time going?

Welcome to April's Dumping Debt and Building Wealth with Dave Ramsey

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
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I have copied the main list and am including it here in the first post. Don't forget to let me know when you need added or when you need to update.

Not everyone is still active on the list, so I might go through and erase anyone who isn't posting anymore to clean the list up a little.

Here's to a great month, ladies!

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 $$4034/$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
BS0 - always done
BS1 - done
BS2 - $10150/16050 cc debt paid, $27000 van loan, and $12400 in student loans left
BS3 - it will be a while before we can start working on this
BS4 - We're contributing 5% to get company match currently
BS5 - Dreaming of this day!
BS6 - $227,000 mortgage
BS7 - Can't wait!


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 - 80/1000


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
BS1: done
BS2: skipping for now. Just so I get it down, we owe: $2000 @ 0% until 2012 for furniture; $16,000 @ 4.9% for car and by the time I get to it, about $10,000 in student loans. Oh and the second on our house: $20,000 @ 8%.
BS3: $6,000/$10,000 - YIPEE!! So I'm staying on this step for the next 4 months or so and then going back to BS2.


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- done!
Bye bye Van Loan
$1091 Best Buy
$1770 Midwife
$2184 HSBC Retail Services
$4249.63 Needed to get out of Truck loan- sitting in savings until we decide whether to sell it or add it to the snowball
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: GONE BABY!! As of 04/07/08
Chase: $4747.87 You, my friend, are next!
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 $4000/$1000 (We don't get paid from 5/15-7/15, so we need a huge EF)
2: Pay off all debt: $8000 home improvement @ 2.9%, $64500 in student loans at about 3.5%
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: $100/mo goes to their 529 - Current value is about $1100 *Last month I guessed it was 800 but it actually was higher than I thought! Yay!
6: Pay off home early - $144K home loan @5.5%
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land beyond our home (hubby's hobby)


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


my2girlz
BS1: DONE
BS2: $18,048 PD OFF! next target is AT&T Universal Card


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 -- 800/$1,000 to start an Emergency Fund
2 -- Pay off all debt using the Debt Snowball
Loan#1 $580.00
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
2: Pay off all debt: $13K in CC's, $21K in Car Loan, $16 in Student Loans
3: Three to six months of expenses in savings: $10K/$10K DONE
4: 15% income into retirement: On Hold for now
5: College funding for children: On Hold for now
6: Pay off home early: In the distant future!
7: Build wealth and give: Someday!!!


Amanda (mumkenna&lucas) in CA
0-- Get current on bills DONE
1 -- $1,000 to start an Emergency Fund (575/1000) we are here!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
0 -- Done!
1 -- $2,000/$2000
2 -- All paid off except SL
3 -- Working on this while...
3.5 -working on this!
4 -- Invest 15 percent of household income (Roth IRAs and pre-tax retirement)
5 -- College fund
6 -- Pay off house
7 -- Build wealth and give!


TanyaS in
0: Get current on bills: DONE
1: $1,000 to start an Emergency Fund DONE
2: Pay off all debt: Since 2/1/08, we have paid off 18% of our total debt. Mostly with the help of tax returns and selling some things around the house.
3: Three to six months of expenses in savings $0
4: 15% income into retirement: On hold to put every extra penny to debt snowball.
5: College funding for children: $0
6: Pay off home early - $112K home loan @5.5%
7: Build wealth and give!


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 - Get current on bills- 1 down, 2 to go.
S#1 -$2,000 to start an Emergency Fund~ done
S#2 - Pay off all debt~ 2 down, 1 to go
S#3 -Three to six months of expenses in savings
S#4 - 15% income into retirement (Ours is ok, taken care of by union, but anyone's could be better!)
S#5 - too late, counseling kids to do better.
S#6 - pay off home~ can't wait. Hoping for 2022
S#7 ~ This will be amazing.


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
1 -- $1,000 to start an Emergency Fund
done
2 -- Pay off all debt using the Debt Snowball
Paid off my cc
Owe 5000 on dh's.


DandeCobb Emily in Kentucky
DandeCobb Emily in Kentucky
0: Get current on bills: Done
1: $1,000 to start an Emergency Fund $5850/$5000 (see siggie - maternity leave)
2: Pay off all debt: ALL credit cards PAID OFF and CANCELLED
28,000 Truck loan @ 7%
3: Three to six months of expenses in savings- soon, i hope
4: 15% income into retirement: 6% to get company matching
5: College funding for children: $50/mo to a mutual fund
6: Pay off home early - $118K
7: Build wealth and give!


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: $1000.00/$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
BS3 - $10,600/15,000 thanks to tax returns - still need to move this to ING or something; it's just sitting in Savings.BS4 - We're already at about 9% with DH's 401K and our IRA's
BS5 - We're funding this at $250 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; Studentloan1: 10,000; Studentloan2: 11,000


kerc
0: Done
1: $1,000 to start an Emergency Fund $500/$1000

2: Pay off all debt: 15k in credit card debt at 12 percent, 5 k in student loans at 7 percent, 8k on a van at 6 percent, 93k in student loans at 5 percent . we also have a home loan, but I'm not considering that here because frankly it's too depressing in addition to our student loans.
3: Three to six months of expenses in savings $0
4: 15% income into retirement: done for hubby, can't do for me yet.
5 -- College funding for children:
6 -- Pay off home early
7: Build wealth and give!


alleyoop
BS 0 - N/A
BS 1 & BS 3 - continually adding to it
bs 2 - truck loan
BS 4 - 3% for me (matched by employer), nothing for DH yet


leomom
BS 1: Done, but need to refund tomorrow to get it back to 1000
BS 2: I'll be here a while....popcorn, anyone?


ArtsyMomma
BS0: Completed in Feb 2008!
BS1: 0/1000
BS2: 1000 medical debt, 1350 in CC debt, 3364 in Student Loans


SarahLi
#0 done (we actually found an extra 300$ a month by starting a new budget)
#1 done 1000$
#2 my student loan working on this... 8400 left
#3
#4
#5
#6 save for a dp (we don't own a home yet, in military housing)
#7


mia_jean
0-- Get current on bills - done! Finally!
1 -- $1,000 to start an Emergency Fund -$1000
2 -- Pay off all debt using the Debt Snowball -this looks daunting,but baby steps right?
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!


lauriem33
0-- Get current on bills : always done
1 -- $1,000 to start an Emergency Fund : done *just transferred it to an ING account so it's harder to get at too :-)
2 -- Pay off all debt using the Debt Snowball : $29K in student loans at 7.5%
3 -- Three to six months of expenses in savings : $150 so far - doing this before paying off BS2
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement : currently invest 5% plus get matching 5%
5 -- College funding for children : ugh, none yet, pray for scholarships
6 -- Pay off home early : owe $128K @ 2% with 27 years left
7 -- Build wealth and give!


jeca
0-- Get current on bills ALWAYS DONE!!
1 -- $1,000 to start an Emergency Fund DONE!!
2 -- Pay off all debt :1850O TO PAY INCLUDING CAR PAYMENT
3 -- Three months of expenses in savings 1800 OF 13200
4 -- Roth IRAs and pre-tax retirement :HAVE ONE BUT NOT SAVING 15% YET
5 -- College funding for children DS HAS ONE
6 -- Pay off home early:NO HOME YET
7 -- Build wealth and give! ---ONE DAY


westernskies
Brie
0-- Get current on bills DONE
1 -- $1,000 to start an Emergency Fund DONE
2 -- Pay off all debt using the Debt Snowball Paid off smallest snowball today-HOORAY!, threw $100 at next snowball which is at $2037.15 now
3 -- Three to six months of expenses in savings
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement- Investing 6% now
5 -- College funding for children
6 -- Pay off home early
7 -- Build wealth and give!


Kierdan'sMom
BS1: 2700/1000
BS2: DOne!!!
BS3: 2700/10000 - BUt know that a storm cloud vehicle replacement may be in the future
3.5 -- save for downpayment on house if you do not already own a house Own a house, saving for a Class C MoHo for travelling home for DH's work
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement Not started...DH will begin pension employment in 1 year
5 -- College funding for children DS is fully funded through a pre-paid, gift. DD has been promised same, but not counting on it6 -- Pay off home early We've done this most months, just sending in a few extra dollars
7 -- Build wealth and give! --- Invest in mutual funds and real estate


[COLOR="Navy"]dhinderliter
1 Bills paid- n/a
2 EF- $1k/1k
3 CC - Paid in full each month (dh has $400 to pay for his own stuff)
4 Car Loans
Van 9800 (? somewhere areound there)
Camaro 7600 (thats the today pay off but it goes down steadily so its pretty accurate)
5 3 to 6 months of expenses (we will skip this step most likely since dh is 85% likely to reup in the AF)
6 Decide on extra life insurance for myself. Start retirment mutual fund and discuss savings or options with RE investment. Also I guess we should start some kind of college fund...
7 i guess we are supposed to pay off our mortgage but thats not going to happen. i don't plan to even THINK about this until dh retires from the AF or he gets out...in fact I want to convert our 30 yr mortgage to an interest only loan if possible!/COLOR]

lizziebits
BS0 -- N/A
BS1 -- $1000 Emergency Fund. Done! Yay!
BS2 -- $30 Blockbuster -- Must right check$50 -- Library Fines -- Paid
$200 -- My parents (they wanted to purchase a new stove for us as a gift, gave us an amount and said if we wanted something more than that we could pay the balance. So we owe them the difference)
$18000 -- Student loans
$24000 -- 2nd Mortgage (we got this to avoid paying PMI)
BS3 -- Fully fund emergency fund. We'll need about $10,000 for 3 months worth of saving.
BS4 -- 15% to retirement. We actually currently put 7.5% away, as my husband is a teacher in Pennsylvania, and his retirement savings are matched twice (as in, matched by two different groups) up to 7.5%
BS5 -- DS has about $200 saved for college...
BS6 -- Pay off home. We'd love love love to be able to pay off this house before we move to our "forever" house. It seems like a stretch right now, but we shall see!


DenverGirlie
BS1 - Done ($2K)
BS2 - Paid off all credit cards! - $27K - done
- Working on Truck loan - last debt - $8K
BS3 - Before end of 2008
BS4 - Ongoing at 6% with company match of 3%
BS5, BS6, BS7 in the future


AniellasMommy
1. DONE
2. $1000 in bank
3. Debts: ETA: I just went and looked it up and We have payed off something like 12,000 since Last year at this time.
Auto Loan 1182.25
Student Loans 6657.76
Student Loans 16604.95
TOTAL: 24,444.96


rosie_plus_one
BS 0 - we are behind on our March cable and Verizon bill, so I need to make small payments to them each week in April and hopefully have both caught up by the end of April.
BS 1 - Done, tax refund
BS 2 - I think we have almost $20,000 of debt now, between credit cards and a student loan, plus another $3500 for our car... ouch. Reality hurts.
Weisfield $180
Wells Fargo 225
Home Depot 450
Bank of America 750
Apple 780
Sound 2200
Dell 2250
Wells Fargo 2300
Capital One 2600
Car 3500
Student Loan 7500


newcastlemama
0: Get current on bills
1: Emergency Fund 1,000+
2: Debt--Pay off truck:25,000 (one to two years is the goal)
3: Three to six months of expenses in savings (15,000)
3a: Save money for a used car/van...my car sometimes runs on prayer at this point.
4: 15% income into retirement: We have some from dh's old corporate job.
5: College funding for children: Grandpa is doing this and they have bonds from their great-grandpa
6: Pay off home early
7: Build wealth and give!


llamalluv
BS1 700/1000 (replenished on 04/11/08)
BS2:
April 1st debt numbers:
Mastercard 1 $1699.36
Mastercard 2...4999.99 ***
Student Ln 1...3219.49
Student Ln 2...6919.87
Auto Loan.....11495.29

BS2:
April 1st debt numbers:
Mastercard 1 $1699.36
Mastercard 2...4999.99 ***
Student Ln 1...3219.49
Student Ln 2...6919.87
Auto Loan.....11495.29


catballou24
BS1: done
BS2: 20/1000


marcimoose
0: get current on bills: working on it.


Bully_Lover
0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $2000/$2000
2: Pay off all debt: working on it! Our goal is to be debt free March 2009
Target - $165 (paid off May 1)
Home Depot - $498 (Paid off May 15)
Visa #1 - $1100 (Paid off by Sept)
Car Loan - $7200 (Paid off by Dec)
Visa #2 - $7700 (Paid off by March 2009)
3: Three to six months of expenses in savings Not Yet! $0/$15000
4: 15% income into retirement: Ongoing 401K
5: College funding for children: Transferring their accounts to Education IRAs but funding will be on hold until next year
6: Pay off home early Can't Wait!
7: Build wealth and give! Invest in mutual funds and real estate. Can't Wait!

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#2 of 274 Old 03-31-2008, 11:40 PM
 
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0-- Get current on bills Done
1 -- $1,000 to start an Emergency Fund 10/1000
2 -- Pay off all debt using the Debt Snowball
Currently owe:
$850 Lowes Paid off!
$694.40 WaMu
$1088 Citi
$1394 Discover
$252.00 UU membership - Down to 189.00
3 -- Three to six months of expenses in savings
3.5 -- save for downpayment on house if you do not already own a house Own a house, saving for a Class C MoHo for travelling home for DH's work
4 -- Invest 15 percent of household income into Roth IRAs and pre-tax retirement Not started...DH will begin pension employment in 1 year
5 -- College funding for children DS is fully funded through a pre-paid, gift. DD has been promised same, but not counting on it6 -- Pay off home early We've done this most months, just sending in a few extra dollars
7 -- Build wealth and give! --- Invest in mutual funds and real estate


Oh, and we found out we have new expenses today....
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#3 of 274 Old 03-31-2008, 11:44 PM
 
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Kierdan'sMom


Oh, and we found out we have new expenses today....
Congrats!!!!

Mommy to two super cute kids.
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#4 of 274 Old 04-01-2008, 12:11 AM
 
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March started out well but quickly went down the tubes so I am hoping April is much better . I took the kids on what was supposed to be a modest vacation with my sister and nephew and it ended up costing about $300 more than expected. When DH's paycheck came in I had it all budgeted out but we didn't stick to the budget and long story short we will be eating lots of cereal and peanut butter sandwiches the next 2 weeks. Our next pay checks will have the holiday pay on them so they should get us back on track. We have $1500 left to go and I am hoping I can throw at least $1000 when we get paid again.
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#5 of 274 Old 04-01-2008, 12:39 AM
 
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I guess my info go lost somewhere.

1 Bills paid- n/a
2 EF- $1k/1k
3 CC - Paid in full each month (dh has $400 to pay for his own stuff)
4 Car Loans
Van 9800 (? somewhere areound there)
Camaro 7600 (thats the today pay off but it goes down steadily so its pretty accurate)
5 3 to 6 months of expenses (we will skip this step most likely since dh is 85% likely to reup in the AF)
6 Decide on extra life insurance for myself. Start retirment mutual fund and discuss savings or options with RE investment. Also I guess we should start some kind of college fund...
7 i guess we are supposed to pay off our mortgage but thats not going to happen. i don't plan to even THINK about this until dh retires from the AF or he gets out...in fact I want to convert our 30 yr mortgage to an interest only loan if possible!


I wonder if its worth refinancing dh's car. We pay 8.69% on it right now and I see "refi's" for as low as 5% but we don't have great credit (young) so i am not even sure if we could get it.
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#6 of 274 Old 04-01-2008, 08:59 AM
 
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Mama Rana
Here's where we stand:
BS0 - not a problem
BS1 - done
bs2 - done
BS3 - $10,600/15,000 thanks to tax returns - still need to move this to ING or something; it's just sitting in Savings.
BS4 - We're already at about 9% with DH's 401K and our IRA's
BS5 - We're funding this at $250 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!


So March's budget was a mess. I kept forgetting things, like that it was time to sign up for the next session of yoga, and I didn't plan for birthday party expenses for DS (though I'm keeping those down). Thank gooo I've been doing a pantry challenge, cuz that kept our grocery budget down, though it still ended up higher than I would like. I've budgeted for April, and talked to DH about being more moderate. We've agreed to not eat out every week this month, cuz it turned into every week, plus a few bonus times, and we ended up really going over on that category.

I also need to nail down with dh some times we can meet with our insurance guy and with our financial guy. I want to cancel the whole life policy we have on DH cuz it's eating our budget, and the more I've learned about them, the more unhappy I am that we did that. And I need to adjust our homeowner's policy to reflect that I'm going to be doing childcare next school year.
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#7 of 274 Old 04-01-2008, 09:05 AM
 
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So this is our first official month with the Total Money Makeover. My plan is to use the envelope system, and then to make extra payments after at the end of the month with leftover money. I wish I could do it sooner, but the mortgage as well as our charity contributions come out of the first paycheck, so that doesn't leave much over. I am also going to list our non fixed expenses so as to be accountable to you all!

Food: 0/280
Gas: 0/175
Eating Out: 0/50
Clothing: 0/35
Gifts: 0/30
Miscellaneous: 0/50
Fun Money: 0/20

Mommy to two super cute kids.
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#8 of 274 Old 04-01-2008, 09:08 AM
 
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Originally Posted by lizziebits View Post
So this is our first official month with the Total Money Makeover. My plan is to use the envelope system, and then to make extra payments after at the end of the month with leftover money. I wish I could do it sooner, but the mortgage as well as our charity contributions come out of the first paycheck, so that doesn't leave much over. I am also going to list our non fixed expenses so as to be accountable to you all!

Food: 0/280
Gas: 0/175
Eating Out: 0/50
Clothing: 0/35
Gifts: 0/30
Miscellaneous: 0/50
Fun Money: 0/20
Ugh...what a bad way to start the month. I just called the post office to see about replacing our mailbox key (I can't seem to find it anywhere). The grand total: $25.00. I should have called yesterday!

I'm so sad...I'm gonna have to try and find something in the house to sell or something to make up for it.

Mommy to two super cute kids.
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#9 of 274 Old 04-01-2008, 09:12 AM
 
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DenverGirlie
BS1 - Done ($2K)
BS2 - Paid off all credit cards! - $27K - done
- Working on Truck loan - last debt - $8K
BS3 - Before end of 2008
BS4 - Ongoing at 6% with company match of 3%
BS5, BS6, BS7 in the future

I paid off the last of my credit card debt in March, boo-yah!
My truck loan is the last of my consumer debt that I am working on now.
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#10 of 274 Old 04-01-2008, 09:15 AM
 
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I've been MIA for a little bit... we ran into some snags and it's been frustrating. DH and I have recommitted ourselves to DR and here we go! He's managed to secure at least 10 hours a week of OT, his company makes him bank 40 hours before being able to take cash but he's almost done with that and then we'll be clearing an extra $1,000 a month which will be a huge help!

SAM, momma to 3 beautiful babies: Tristan (5), Gabriel (4) , & Brighton (2)

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#11 of 274 Old 04-01-2008, 09:55 AM
 
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subbing for April!

I was scared for a bit as it looked like I had pay around $2200 for taxes:
but my mom fixed it:and now I get around $500 back

I am going to deviate from the DR plan and after my EF is funded I am going to pay my loan off first. The the amount isn't huge, but the payments are. I feel really motivated to get it paid off, then put its payments onto the credit card payments which will be a faster technique for me, I think.
As of yet I am still $80/$1000 for BEF. Still current on bills.

Decluttering 500/2010
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#12 of 274 Old 04-01-2008, 09:56 AM
 
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Quote:
Originally Posted by Denvergirlie View Post
DenverGirlie
BS1 - Done ($2K)
BS2 - Paid off all credit cards! - $27K - done
- Working on Truck loan - last debt - $8K
BS3 - Before end of 2008
BS4 - Ongoing at 6% with company match of 3%
BS5, BS6, BS7 in the future

I paid off the last of my credit card debt in March, boo-yah!
My truck loan is the last of my consumer debt that I am working on now.
AWESOME!

Decluttering 500/2010
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#13 of 274 Old 04-01-2008, 10:51 AM
 
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We dropped off our insurance policies with a new insurance agent/friend of DH's last night to see if we can find some lower rates. I am hopeing that he can find something lower for us. It would sure help the snowball progress!

Welcome to the new people! Glad to see you here!
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#14 of 274 Old 04-01-2008, 12:02 PM
 
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I'm still hanging out. I've put all debt repayment on hold so that I can save up for a downpayment on a new to us minivan. Our lease is up June 10th. This should lower our monthly payment as well. Dept repayment will resume in June.

SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#15 of 274 Old 04-01-2008, 12:29 PM
 
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Just got an extra check. It's going to help me stay on track,a s there were a few small but big things we needed that just weren't fitting a budget but had to be had (like a prt for our big and little vaccuum). WE think DH *may* have been upgraded to a full welder instead of welder's helper at his job this week as helper's aren't supposed to get per diem, and he got perdiem at first, and just got some extra taking him up to full welder's per diem. I'm waiting anxiously for the pay check. I'd be thrilled it they did, but I'm okay even if they didnt. Just wish taxes would get here so I could make a bigger dent quicker
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#16 of 274 Old 04-01-2008, 12:32 PM
 
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One change to mine. The sell the truck fund is done and sitting in savings. We're just waiting to see if dh changes jobs, because then we may have to pay it off rather than sell it.

BS1: DONE!!
BS2:
$466 Capital One- killed!!!
$614 Van loan - killed!!!

$1091 Best Buy- should be killed in May
$1770 Midwife
$2184 HSBC Retail Services
$4249.63 Needed to get out of Truck loan- sitting in savings until we decide whether to sell it or add it to the snowball

Midwife (CPM, LDM) and homeschooling mama to:
13yo ds   10yo dd  8yo ds and 6yo ds and 1yo ds  
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#17 of 274 Old 04-01-2008, 12:33 PM - Thread Starter
 
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Quote:
Originally Posted by Kierdan'sMom View Post

Oh, and we found out we have new expenses today....
That is wonderful, congrats :

Quote:
Originally Posted by APBTLuv View Post
March started out well but quickly went down the tubes so I am hoping April is much better . I took the kids on what was supposed to be a modest vacation with my sister and nephew and it ended up costing about $300 more than expected. When DH's paycheck came in I had it all budgeted out but we didn't stick to the budget and long story short we will be eating lots of cereal and peanut butter sandwiches the next 2 weeks. Our next pay checks will have the holiday pay on them so they should get us back on track. We have $1500 left to go and I am hoping I can throw at least $1000 when we get paid again.
This is a new month, I hope this one is better for you

Quote:
Originally Posted by dhinderliter View Post
I guess my info go lost somewhere.

1 Bills paid- n/a
2 EF- $1k/1k
3 CC - Paid in full each month (dh has $400 to pay for his own stuff)
4 Car Loans
Van 9800 (? somewhere areound there)
Camaro 7600 (thats the today pay off but it goes down steadily so its pretty accurate)
5 3 to 6 months of expenses (we will skip this step most likely since dh is 85% likely to reup in the AF)
6 Decide on extra life insurance for myself. Start retirment mutual fund and discuss savings or options with RE investment. Also I guess we should start some kind of college fund...
7 i guess we are supposed to pay off our mortgage but thats not going to happen. i don't plan to even THINK about this until dh retires from the AF or he gets out...in fact I want to convert our 30 yr mortgage to an interest only loan if possible!


I wonder if its worth refinancing dh's car. We pay 8.69% on it right now and I see "refi's" for as low as 5% but we don't have great credit (young) so i am not even sure if we could get it.
I thought I added you? My work computer sometimes doesn't work right : I will add you again


Quote:
Originally Posted by Mama Rana View Post
So March's budget was a mess. I kept forgetting things, like that it was time to sign up for the next session of yoga, and I didn't plan for birthday party expenses for DS (though I'm keeping those down). Thank gooo I've been doing a pantry challenge, cuz that kept our grocery budget down, though it still ended up higher than I would like. I've budgeted for April, and talked to DH about being more moderate. We've agreed to not eat out every week this month, cuz it turned into every week, plus a few bonus times, and we ended up really going over on that category.

I also need to nail down with dh some times we can meet with our insurance guy and with our financial guy. I want to cancel the whole life policy we have on DH cuz it's eating our budget, and the more I've learned about them, the more unhappy I am that we did that. And I need to adjust our homeowner's policy to reflect that I'm going to be doing childcare next school year.
Been there, done that I hope this month is a good one for us all!

Quote:
Originally Posted by lizziebits View Post
So this is our first official month with the Total Money Makeover. My plan is to use the envelope system, and then to make extra payments after at the end of the month with leftover money. I wish I could do it sooner, but the mortgage as well as our charity contributions come out of the first paycheck, so that doesn't leave much over. I am also going to list our non fixed expenses so as to be accountable to you all!

Food: 0/280
Gas: 0/175
Eating Out: 0/50
Clothing: 0/35
Gifts: 0/30
Miscellaneous: 0/50
Fun Money: 0/20
I think I'll do the same. When we get paid on Friday I will start being accountable here for purchases

Quote:
Originally Posted by lizziebits View Post
Ugh...what a bad way to start the month. I just called the post office to see about replacing our mailbox key (I can't seem to find it anywhere). The grand total: $25.00. I should have called yesterday!

I'm so sad...I'm gonna have to try and find something in the house to sell or something to make up for it.
Sorry to hear that

Quote:
Originally Posted by organic-momma View Post
I've been MIA for a little bit... we ran into some snags and it's been frustrating. DH and I have recommitted ourselves to DR and here we go! He's managed to secure at least 10 hours a week of OT, his company makes him bank 40 hours before being able to take cash but he's almost done with that and then we'll be clearing an extra $1,000 a month which will be a huge help!
Glad to see you back!!

Quote:
Originally Posted by Denvergirlie View Post
DenverGirlie
BS1 - Done ($2K)
BS2 - Paid off all credit cards! - $27K - done
- Working on Truck loan - last debt - $8K
BS3 - Before end of 2008
BS4 - Ongoing at 6% with company match of 3%
BS5, BS6, BS7 in the future

I paid off the last of my credit card debt in March, boo-yah!
My truck loan is the last of my consumer debt that I am working on now.
27K paid off? That is awesome! What an accomplishment!

Quote:
Originally Posted by BunnySlippers View Post
subbing for April!

I was scared for a bit as it looked like I had pay around $2200 for taxes:
but my mom fixed it:and now I get around $500 back

I am going to deviate from the DR plan and after my EF is funded I am going to pay my loan off first. The the amount isn't huge, but the payments are. I feel really motivated to get it paid off, then put its payments onto the credit card payments which will be a faster technique for me, I think.
As of yet I am still $80/$1000 for BEF. Still current on bills.
It is good to see you here

Quote:
Originally Posted by my2girlz View Post
I'm still hanging out. I've put all debt repayment on hold so that I can save up for a downpayment on a new to us minivan. Our lease is up June 10th. This should lower our monthly payment as well. Dept repayment will resume in June.

Good luck when you start debt snowballing again in June

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#18 of 274 Old 04-01-2008, 12:39 PM - Thread Starter
 
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Well one of our cats was sick yesterday so we had to use some EF money to take him to the vet and get his medicine. He seems to be doing well now, though. Thank goodness for the EF!

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#19 of 274 Old 04-01-2008, 01:34 PM
 
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I hope your cat feels better!

Mommy to two super cute kids.
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#20 of 274 Old 04-01-2008, 01:39 PM
 
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lizziebits, your username made me smile. My favorite aunt's name is Elizabeth. When we were kids, it came out sounding like "Little Bit". To this day we all call her Aunt Little Bit.
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#21 of 274 Old 04-01-2008, 02:07 PM
 
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Thought I would post where I'm at on the baby steps.

BS1: DONE
BS2: $18,048 PD OFF! next target is AT&T Universal Card

SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#22 of 274 Old 04-01-2008, 02:45 PM
 
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Thanks for the hug Jaime, sorry to here about one of your cats being sick. I have a cat and my dd has a cat and they are such special little furry members of the household.
Dds cat picked up a respiratory virus from the vets and I was scared he'd get full blown pneumia and die. But he didn't

Decluttering 500/2010
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#23 of 274 Old 04-01-2008, 03:02 PM
 
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lizziebits, your username made me smile. My favorite aunt's name is Elizabeth. When we were kids, it came out sounding like "Little Bit". To this day we all call her Aunt Little Bit.
Aww, thanks

My dad always called me "lizziebits" or "liddybits" growing up. He still does sometimes.

Mommy to two super cute kids.
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#24 of 274 Old 04-01-2008, 03:13 PM
 
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Subbing for April-

Still plugging along on BS2. I have yet to do my taxes : so that is my major priority, oh and April crept up faster than I could come up with a budget : Not starting off with a bang- that's for sure
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#25 of 274 Old 04-01-2008, 03:32 PM
 
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I'm having a hard time staying focused...and I've never posted here, so I'm hoping this will help.

1. DONE
2. $1000 in bank
3. Debts: ETA: I just went and looked it up and We have payed off something like 12,000 since Last year at this time.
Auto Loan 1182.25
Student Loans 6657.76
Student Loans 16604.95
TOTAL: 24,444.96

We are going to use our tax refund to pay off the Auto loan this week!
(Ive been mentally spending the remaining tax refund.)
DH says "Lets just stick it out"
I don't really wanna
Sometimes I don't care if I'm ever out of debt. I just wanna be the kid in the candy store.

Other than that I love doing the budget thing....It really helps me make more of our money.
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#26 of 274 Old 04-01-2008, 03:41 PM
 
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Sometimes I don't care if I'm ever out of debt. I just wanna be the kid in the candy store.

Other than that I love doing the budget thing....It really helps me make more of our money.
Oh me too! How's this for a messed up thought process... I am a little bit sad that we didn't get to acquire any "fun" debt before finding the TMM. I didn't get to put kids clothes and comforters and pedicures and eating out on a credit card to worry about paying off later... all we have is "responsible" debt like student loans and car payment. Accckkkk!
How is that for stupidly consumeristic mentality?
Has anyone seen the documentary Maxed Out? We are going to watch it tonight.
Jaime can you update us... our EF is back up to $800 dollars and our debt of choice this month is Loan#1 $580.00
Thanks!
Oh and I really like a short recap on intros too, especially if you are newer to the group....
I'm Jessica in Iowa. SAHM to 3 boys, RN on hiatus and DH is a self employed music instructor. Here's to the best April has to offer us!


And Kerri...
Congrats! (I'll drink it for you. )
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#27 of 274 Old 04-01-2008, 04:05 PM
 
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Here is my update:

BS0 - always done
BS1 - done
BS2 - $10150/16050 cc debt paid, $27000 van loan, and $12400 in student loans left
BS3 - it will be a while before we can start working on this
BS4 - We're contributing 5% to get company match currently
BS5 - Dreaming of this day!
BS6 - $227,000 mortgage
BS7 - Can't wait!

A short reintro: I am Carrie, SAHM to 3 (Johnathan 5 yr, Brodie 4 yr, and Kate 1 yr). We have moved to NE Louisiana since starting this plan. My dh is the CE Manager for Graphic Packaging in West Monroe, LA.

Carrie, mom to Johnathan (7-02), Brodie (2-04), Kate (12-06), Jordan (9-08), (4-09) & Maggie (3-10)
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#28 of 274 Old 04-01-2008, 04:28 PM
 
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Hello there!

I think I may have started the original of this thread many months ago - how great to see it still going!

We really struggle to stay on our budget; I think partially because our income is incredibly variable and we seem to have a lot of "oops" expenses. However, that's not an excuse and I want to get down to business in April!!

BS 0 - we are behind on our March cable and Verizon bill, so I need to make small payments to them each week in April and hopefully have both caught up by the end of April.

BS 1 - Done, tax refund

BS 2 - I think we have almost $20,000 of debt now, between credit cards and a student loan, plus another $3500 for our car... ouch. Reality hurts.

Weisfield $180

Wells Fargo 225

Home Depot 450

Bank of America 750

Apple 780

Sound 2200

Dell 2250

Wells Fargo 2300

Capital One 2600

Car 3500

Student Loan 7500

I don't know when we will ever see the other side of that!

I wrote up our April budget, but I need to fix it to reflect the extra payments for cable and verizon.

Our envelopes are as follows:

Groceries $150

Gas 160

Blow 100

Gifts 40

The groceries may seem a little low, but we have about 3 weeks worth of food in the freezer that I'm going to clear out in April, and we're on WIC, so I think I just need some fresh veggies and fruit and the occasional ingredient to fill out a dinner.

So I really hope that I can get through this month and get back on track.
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#29 of 274 Old 04-01-2008, 05:15 PM
 
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nak my name is jen and i am new!

0: Get current on bills
1: Emergency Fund 1,000+
2: Debt--Pay off truck:25,000 (one to two years is the goal)
3: Three to six months of expenses in savings (15,000)
3a: Save money for a used car/van...my car sometimes runs on prayer at this point.
4: 15% income into retirement: We have some from dh's old corporate job.
5: College funding for children: Grandpa is doing this and they have bonds from their great-grandpa
6: Pay off home early
7: Build wealth and give!

How we will do this:

1.We will have a budget. I am starting with the cash envelope system and saving all reciepts. (My dh is a self-employed electrician so our income goes up and down) This may take a while to figure out though I do have a rough estimate of what we spend now.

2.We have a few things we can sell. Someone gave us a boat they did not want so dh is going to get it running better and sell it. I don't like that thing anyway

3.Do what it takes to sell other house (we are working on the landscape this week) This would change a lot. No more CA property taxes on 2 houses!

4. I am opening an in home daycare and hope to provide full time for 4 other children. I have the orientation next week so hopfully I can open this summer. Dh working Saturdays/always looking for more jobs.

5. Lower expenses where possible--I applied for cheaper medical insurance (I am really hoping not to get rejected..I have been out of hospitals and off medications for 2 years so hopfully I can get that good rate!!!) We are looking for cheaper car insurance and have found cheaper life insurance.
We are also starting our big garden this year.

6. PRAY!:


I feel unbelievably nervous and excited. I am grateful that we can keep stuff working (like my car) because my dh has so many mechanical and contruction skills Thank you God!

Jen

homebirth.jpg<>< Mama to DS, DD, and a new baby girl 4/1! homeschool.gifmdcblog5.gif

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#30 of 274 Old 04-01-2008, 05:33 PM
 
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DandeCobb Emily in Kentucky
0: Get current on bills: Done
1: $1,000 to start an Emergency Fund $5850/$5000 (see siggie - maternity leave)
2: Pay off all debt: ALL credit cards PAID OFF and CANCELLED
28,000 Truck loan @ 7%
3: Three to six months of expenses in savings- soon, i hope
4: 15% income into retirement: 6% to get company matching
5: College funding for children: $50/mo to a mutual fund
6: Pay off home early - $118K
7: Build wealth and give!


so my EF is fully funding + because my DH lost his job (severance pay) so that is pretty freaking scary. we have moved to a lockdown budget while he job searches (not eligible for unemployment). and I am signing up for WIC on wednesday to lighten the grocery bill (i keep a nice stockpile, so with wic and the pantry the grocery bill should be next to nothing). we are just holding our breath to find out how much COBRA is. luckily, DH is the kind of man if he doesn't have a new job soon, he'll do just about anything if he has to (ie, garbage man, fast food, ect) to get some money rolling in. so, everyone wish us a speedy job search please!
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