Dumping Debt and Building Wealth with Dave Ramsey - AUGUST - Mothering Forums

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Old 07-31-2008, 06:50 PM - Thread Starter
 
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Dumping Debt and Building Wealth with Dave Ramsey- AUGUST
Welcome to a new month ladies! This thread is for anyone who is following the Baby Steps outlined in the book The Total Money Makeover by Dave Ramsey. New people are welcomed to join us on our journey to financial peace.

These are the Baby Steps:

BS1 $1,000 to start an Emergency Fund
BS2 Pay off all debt using the Debt Snowball
BS3 Three to six months of expenses in savings
BS4 Invest 15 percent of household income into Roth IRAs and pre-tax 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

You can do a lot of things on the site, including listening to his radio show.

Everyone post your intro and if you want, your baby steps and I will add it to this first link.

Note - I am out of town this weekend so won't be doing any updating until I get back!
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Old 07-31-2008, 07:49 PM
 
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We have basically fallen off the wagon..so we really need to get with it again this month! Dh was laid off and we have no er fund in place yet..
BS1 $1,000 to start an Emergency Fund We are here...still
BS2 Pay off all debt using the Debt Snowball
BS3 Three to six months of expenses in savings
BS4 Invest 15 percent of household income into Roth IRAs and pre-tax retirement
BS5 College funding for children
BS6 Pay off home early
BS7 Build wealth and give! Invest in mutual funds and real estate
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Old 08-01-2008, 12:20 AM
 
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We're treading water. We had our BEF and several sinking funds, but DH lost his job. So now we're living off the BEF and sinking funds - but we're not using the credit card to get more debt!

*sigh* We're back at BS1, again. Bleh.

Proud Catholic, homeschooling, RN-student mama of
DS 10 reading.gif  DS 8 fencing.gif DS 5, DD 3 energy.gif and a new DS  belly.gif 3/2011
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Old 08-01-2008, 12:46 AM
 
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I'm back after falling off the wagon probably 6 months ago. This month we had several unexpected bills, and then our washing machine broke... and all I could think was if we had that darn EF, this wouldn't be so hard. A friend is lending me the book and I'm looking foward to getting back on track again.

BS0 - Getting current on bills...

We have a mortgage payment to make by the 14th, and a loan payment that was due a week ago (thankfully my grandmother is the one who gave the loan)... It used to be that I had the mortgage payed by the first, and I'd like to get back to that. I'm getting ready to sell off some belongings, some of it's going to be hard.

Dawn, mama to D (3.06) & N (9.07) C (11.09) & Still-in-shock surprise due in Aug!
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Old 08-01-2008, 12:49 AM
 
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BS1 $1,000 to start an Emergency Fund - Done!
BS2 Pay off all debt using the Debt Snowball - Still snowballing away

Murphy visited so our cc did not get paid off but hopefully it will be paid within the next 2 mos. The good news is that we haven't used our CC in a few mos! We rode out our first cc-free Murphy It was a good feeling. We also did our first "net worth" sheet to track our progress. And we're using that "balance to zero" budget starting last week. So far so good, we're actually under budget on a lot of things.

Zen doula-mama to my spirited DS1 (2/03), my CHD (TAPVR) warrior DS2 (6/07) & a gentle baby girl (8/09)
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Old 08-01-2008, 12:54 AM
 
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Start of August:
BS 0-done
BS1 1,000 to start an Emergency Fund --DONE!!
BS 1.1- Adoption 500/2200-sent 1st pmt, in court 8/8
BS2 Pay off all debt using the Debt Snowball

HBSC Cc-211.00/191.00
Elan Cc-2362.92/2319.92
Working Assets Cc-3800/3700
Citi-7800/7720
Student Loans 39,000( Pie in the Sky!!)

BS3- (3-6 mos)looking forward to working on this.
BS4-15 percent of household income to retirement-not yet.
BS5 College funding for children-not there yet.
BS6 Pay off home early-Ditto
BS7 Build wealth and give! Invest in mutual funds and real estate-ditto
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Old 08-01-2008, 12:58 AM
 
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I'm currently on BS2. It should be a good month. I will be able to pay off a credit card. It has a balance of $2350. DH gets a bonus of about $3500 after taxes take 40% of it. Plus he will have retro pay for a promotion that came into effect in July and also retro pay from a the new guy he hired. I'm hoping that's an add'l $1000. That leaves me a little over $2000 to put towards the next card that has $54xx on it. I'm loving the snowball!

SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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Old 08-01-2008, 01:52 AM
 
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Dh came home two days ago with no job. He's been looking for one, putting out his resume, calling people.

Thank God for the FFEF. Six months ago I would have been terrified. Now my biggest worry is he and I getting on each other's nerves.
__________________
BS1: DONE!!
BS2:
$466 Capital One- killed!!!
$614 Van loan - killed!!!
$1091 Best Buy- killed!!!
$1770 Midwife- paid off, not killed!
$2184 HSBC Retail Services- Killed
$4249.63 Needed to get out of Truck loan- sitting in savings until we decide whether to sell it or keep it
BS3: Funded! 6 months of expenses.

Midwife (CPM, LDM) and homeschooling mama to:
14yo ds   11yo dd  9yo ds and 7yo ds and 2yo ds  
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Old 08-01-2008, 02:26 AM
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We are on BS2: Paying off debt.

We had a few unexpected bills last month (car repair, DH dentist visit, me Dr visit) so we are a little behind on our snowball. Bills are current though and we still have $1000 EF, we just don't know how much we paid extra this month in total.
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Old 08-01-2008, 02:47 AM
 
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I had to dip into ef for the dogs lump. Hope it is something minor and easy to heal....

This thread is awesome. I really need to write out a spreadsheet with balances so I can get motivated to lower them.
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Old 08-01-2008, 03:29 AM
 
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OMG.. That is like 3 of us who have had layoffs
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Old 08-01-2008, 06:30 AM
 
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We have tried to do this several times and fall off the wagon big time due to life issues. We are commited yet again and hopefully for good.

BS1 $1,000 to start an Emergency Fund
*We are here.
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Old 08-01-2008, 11:13 AM
 
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subbing...
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Old 08-01-2008, 12:59 PM
 
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This layoff stuff scares the snot out of me. I am really really lucky that my Dp works at a university where she is the ONE person who fully knows how to run her program, which happens to be the biggest moneymaker and largest program in her division. There have been (very rare) layoffs at this University, but she would be last on a very long list. Even her 'boss" doesn't know how to run her program.

My job I know is a little more iffy. I'm on maternity leave now, and the family i work for does have other options, but so far I'm looking OK. I'm going to try at some point to pick up another second job-I quit my newspaper job at some point in my second trimester, and I'm not going back because after doing the math in time, gas and wear and tear on my car it wasnt worth the $.
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Old 08-01-2008, 01:07 PM
 
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* BS1 - Should be done by September 2008.
* BS2 - Should be done by December 2009. Total CC Debt is $8950.00
CC1 = $500.00
CC2 = $500.00
CC3 = $700.00
CC4 = $750.00
CC5 = $750.00
CC6 = $800.00
CC7 = $1450.00
CC8 = $1500.00
CC9 = $2000.00

Married 2002. Adopted 1 DD. Planning in vitro for 2012 due to low egg reserve.
Me 30 WAHM, DH 58 SAHD (5 adult children from ex #1).
DD dob 5/13/07 came home 2007, 5 months old via foster care. Adopted 2009, almost 3 years old.
DD is high functioning autistic. She keeps us laughing and exhausted!
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Old 08-01-2008, 01:17 PM
 
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i'm counting our checking account as our EF since my dh wants to see that as large as possible and doesn't care about moving it to a savings account even though we could get more interest. so that puts us on

BS1 $1000 EF done
BS2 student loan balance $9400

i will be hitting that as much as i can but we are trying to move pretty soon so we'll see what happens.
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Old 08-01-2008, 01:38 PM
 
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I'm joining in this month. We've gone totally gazelle and I'm close to having the first cc paid off (ok well over half way, at least).

BS1--Done
BS2--CC1 1944/4000
CC2 9765.66/10000
CC3 18560.73/20000

Hoping to have the CC1 and half of CC2 paid off by the end of the year
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Old 08-01-2008, 08:12 PM
 
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Just started the TMMO last month!

BS1 $1,000 to start an Emergency Fund - we're at $750, this will be done by Sept. 1!
BS2 Pay off all debt using the Debt Snowball - total debt is $44,300. This includes a business loan; we don't have a mortgage. If we continue only at our current rate of paydown... All CC's will be paid off by Sept of 09... Auto loan, student loan, and business loan done by August of 2011. But I am pumped about getting it done a LOT sooner -- particularly the CC DEBT!!


Question for you guys, where do you fit in adequately funding a health savings account, if you have one? Particularly if we are looking at 2-3 years before even starting the FFEF, or contributing to IRA's... I really want to prioritize the debt snowball, so I was planning contributing only the approximate amount that we spent on medical stuff last year. Or to pay down debt faster, should I just rely on the $1k EF and hope nothing out of the ordinary happens to me and dh (new dd will have separate kid's insurance so her costs will be more predictable.) All opinions are appreciated!

mama to Allison 8-18-08 and Ethan 1-24-11  heartbeat.gif

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Old 08-01-2008, 09:42 PM
 
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So here I am with our Emergency Fund ok but the debt snowball stalled. We are so broke at the moment. I am at least trying to tread water and make sure we don't spend more than we are bringing in - i.e. no adding to the debt! I am really making sure we stick to budget and dh and the kids are noticing the difference! But that's a GOOD thing!

I am thinking about selling a few valuables to make money and put it towards our debts. I am thinking about picking up some PT work or doing some self-employment to earn more money to pay off debt. I'm just so stretched to the limit as it is with time and responsibilities, I'm not sure it's feasible.

I just love this thread though, it really inspires me.

wash.gif  Me  + bikenew.gif Dh =  broc1.gif  Dd1(9 yrs) + hearts.gif  Dd2(6 yrs) and blowkiss.gif Ds(3.5 yrs)
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Old 08-02-2008, 01:58 AM
 
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Hello everyone. I also fell off the wagon. I got really depressed when I had to deplete our BEF for some medical bills. But DH and I watched "Maxed Out" tonight, and seeing Dave on there got us back in to gear.

BS1 $1,000 to start an Emergency Fund $0/$1000
BS2 Pay off all debt using the Debt Snowball
CC # 1
CC # 2
CC # 3
Car Payment
Student Loan
BS3 Three to six months of expenses in savings
BS4 Invest 15 percent of household income into Roth IRAs and pre-tax retirement
BS5 College funding for children- N/A for us
BS6 Pay off home early- N/A for us
BS7 Build wealth and give! Invest in mutual funds and real estate

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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Old 08-02-2008, 03:39 AM
 
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BS1 $1,000 to start an Emergency Fund - done
BS2 Pay off all debt using the Debt Snowball - should be done this month.

We pay off our only CC every month, but this month it was rather large to to a 2100 car repair bill. I am hoping and praying that our renters pay us on-time this month and that we should be able to then pay off our only other debt at this point (interest defered at the moment). It is down to 100 dollars and I just want it DONE.

And, I am trying so, so, so hard to get off the credit card merry-go-round. I am doing good so far, 10 days of no charges and we made it to a pay day. Except since the bill is paid out of this pay check, we do not have much to live on at all. And, my DH will be home for 10 days block leave before they leave for a year. And I just know, that if we want to do something we will be very likely to use the charge card if we don't have enough in the checking acct. I just pray that our renters pay on time. I found out through the grape vine their DH was either laid off or seriously cut back in hours and last month they were 9 days late. We NEED that money.

Go Green I don't vax either, why mess with perfect?
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Old 08-02-2008, 03:31 PM
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Sorry to hear so many have faced job loss or fallen off the wagon recently. Hope the job losses are all short lived and something better is waiting.

We're still working on paying off cc debt, just put $600 on dh's cc, its now down to $4500 so we're slowly chipping away at it. We've got property taxes this month so no extra to throw at it.
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Old 08-03-2008, 01:01 AM
 
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UGH I just posted and the ^&(&#$**&# computer ATE my reply!!! :_(

Anyway I just joined TTMM/Dave Ramsey 15 minutes ago. So I'm plunging in here:

Baby Step 1 - BABY EMERGENCY FUND$100.00/$1000.00
Baby Step 2 - DEBT SNOWBALL - NO DEBT (see below)

The reason I have no debt is that due to several severe economic downturns in the past year I was recently forced to declare bankruptcy. My reasons (which I am merely listing - they are NOT an excuse of any kind) include:

1. I took a 2 month unpaid leave of absence from my job to care for my 12 yr old son who was severely beaten by three other kids and had his femur completely broken in two. He required two surgeries and months of physical rehabilitation.

2. WHILE on the unpaid LOA my company (Merrill Lynch) laid me off with no legal recourse as they laid off 10 others in my department and can prove that they would have laid me off even if I had been IN work at the time.

3. One week after being laid off, I was diagnosed with breast cancer. I had two surgeries, chemotherapy, radiation therapy, and am receiving an adjuvant course of a different type of chemotherapy. I thank GOD every single day that I am alive and CANCER FREE!!!

BUT with all of that I was on disability insurance thru the state and am currently on unemployment insurance while I searchfor a job. Which is an endless search in this economy.

I am two months behind on my mortgage payments and the mortgage company is beginning foreclosure proceedings. I CANNOT LOSE MY HOME. I am trying to borrow the money from a friend OR find some type of alternative payment plan with the mortgage company. Won't know anymore than that till next week.

I am so trying NOT TO PANIC. Which is very difficult. I have three wonderful children (16,13, and 10) and am re-married to a wonderful man who is also divorced and has a daughter. Between us we used to make a pretty good income but have always lived paycheck to paycheck. NOT ANY MORE!!!!!!

Dh is working two jobs to help dig us out of this mess we are in right now. I love him somuch ( and am so blessed to have found him!!!! We have been together for eight years and married for four.

We will get through this rough spot - I KNOW IT IN MY HEART! God has always taken care of me and He always will.

So I'm here - looking for help, support, advice, a friendly ear and willing to do the same for all of you!!!!
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Old 08-03-2008, 12:47 PM
 
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OK DH is now on board with the Dave Ramsey ideas!! YAY!!! :

Gotta start my envelope system today (after church!)

Wish me luck!!!!
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Old 08-03-2008, 03:08 PM
 
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Quote:
Originally Posted by sewsew View Post
UGH I just posted and the ^&(&#$**&# computer ATE my reply!!! :_(

Anyway I just joined TTMM/Dave Ramsey 15 minutes ago. So I'm plunging in here:

Baby Step 1 - BABY EMERGENCY FUND$100.00/$1000.00
Baby Step 2 - DEBT SNOWBALL - NO DEBT (see below)

The reason I have no debt is that due to several severe economic downturns in the past year I was recently forced to declare bankruptcy. My reasons (which I am merely listing - they are NOT an excuse of any kind) include:

1. I took a 2 month unpaid leave of absence from my job to care for my 12 yr old son who was severely beaten by three other kids and had his femur completely broken in two. He required two surgeries and months of physical rehabilitation.

2. WHILE on the unpaid LOA my company (Merrill Lynch) laid me off with no legal recourse as they laid off 10 others in my department and can prove that they would have laid me off even if I had been IN work at the time.

3. One week after being laid off, I was diagnosed with breast cancer. I had two surgeries, chemotherapy, radiation therapy, and am receiving an adjuvant course of a different type of chemotherapy. I thank GOD every single day that I am alive and CANCER FREE!!!

BUT with all of that I was on disability insurance thru the state and am currently on unemployment insurance while I searchfor a job. Which is an endless search in this economy.

I am two months behind on my mortgage payments and the mortgage company is beginning foreclosure proceedings. I CANNOT LOSE MY HOME. I am trying to borrow the money from a friend OR find some type of alternative payment plan with the mortgage company. Won't know anymore than that till next week.

I am so trying NOT TO PANIC. Which is very difficult. I have three wonderful children (16,13, and 10) and am re-married to a wonderful man who is also divorced and has a daughter. Between us we used to make a pretty good income but have always lived paycheck to paycheck. NOT ANY MORE!!!!!!

Dh is working two jobs to help dig us out of this mess we are in right now. I love him somuch ( and am so blessed to have found him!!!! We have been together for eight years and married for four.

We will get through this rough spot - I KNOW IT IN MY HEART! God has always taken care of me and He always will.

So I'm here - looking for help, support, advice, a friendly ear and willing to do the same for all of you!!!!

No comments, just a since it seems like you've been through a lot.
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Old 08-03-2008, 03:19 PM
 
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Sewsew: Welcome. I hope this next year is filled with health and prosperity for you.

Zen doula-mama to my spirited DS1 (2/03), my CHD (TAPVR) warrior DS2 (6/07) & a gentle baby girl (8/09)
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Old 08-03-2008, 03:46 PM
 
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I'm just a lurker, but wanted to give Sewsew a
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Old 08-03-2008, 11:35 PM
 
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Subscribing again

Subscribing again

shanetedisaac
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 - Required pension contribution at dh job, the remainder in a Roth IRA 15% total
4.5 Bar Mitzvah funding saving up to $9078/$21,000 (One boy done!)
5 -- College funding for children after the Bar Mitzvah's are funded - Some current funding by relative gifts. Currently:
Theodore: $6623
Issac: $4818
Harrison: $2867
6 -- Pay off home early I so can't wait to be here! - On year 4 of a 15 year fixed note $76,000 to go
7 -- Build wealth and give! --- Invest in mutual funds and real estate To be able to share will be a bessing.

We added $122 to the bar mitzvah's. Not much but something Yea!

This is a better month for us. We did not have to put huge amounts of money to anything like we did for the taxes last month. We will need to beef up our house oil fund in the next few months. Currently we are putting $250 a month but really don't think that will cut it. Even with only getting half a tank a month that will be close to $600.

Enjoy,

Shane - Homeschooling mom to three boys (12, 1-, 8) and living the open life with my husband.

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Old 08-03-2008, 11:46 PM
 
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OK DH is now on board with the Dave Ramsey ideas!! YAY!!! :

Gotta start my envelope system today (after church!)

Wish me luck!!!!
That is wonderful : Good luck!

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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Old 08-04-2008, 12:15 AM
 
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Subscribing!! I'm very new to Dave Ramsey's ideas so I need to read his book and web site.
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