are you on, if you are following Dave's plan.
Do you listen to his show, or listen to the archives on his site? Have you tried his forum? I like to listen, I admit I don't as much as I did in the begining, but when I do I feel more challenged to work harder on our financial plan. I have visited his forum and found it helpful in seeing other peoples budgets and how they get help on reducing their expenses.

We are working on baby steps 4 and 5.

I am on Baby Step 2 as of today. I have never listened to his show due to the time of broadcast where I am at. I have read his book and have been on his website. I am very motivated right now. I hope everything goes as planned.

Am on step 3. I did belong to his site for a few months, the commercial free downloads were great. But I have this site and another free site that I visit so canceled the subscription. I love listening to Fridays' show off his site, keeps me motivated. :)

I'm on BS2. I've been following his plan for a few months and am really making progress. I have TMMO and Financial Peace Revisited and really love them.

Going on a cash basis and using the envelopes as well as the ZBB really helps keep me on track!

Congratulations zazoror1, on completing baby step1! Your young, I wish I was as smart as you at your age. You will have a great financial future.
You can listen online
http://www.daveramsey.com/radio/home/index.cfm?FuseAction=dspContent&strMode=dspShowArchives

pammy, I love reading your threads, you are a great inspiration to FV!

Good luck

Hey there!
We're on babystep 2. Baby ef is done and now we're tackling debt. No credit cards left, just 2 loans. After that I'm on to my husbands farm loans. He has several that don't have much left to them. I wrote Dave once to see if he gives farmers the same advice (I'm sure he does) but I never heard back. I've never heard of a farmer that didn't have debt but it must be great. I listen to the archives online.....the commercials drive me nuts.....fridays are the best. Sometimes I laugh and cry!

We're also on step two. We've got the baby EF established, and we're working on our CC. We should have all non-mortgage debt paid off by April of next year, and then we'll be onto the next step.

I start baby step two tomorrow!!!!!!!!!

On step 3 here. Used to listen daily, but the end of his Salem connection took away my best channel. So I listen online, but can't listen while driving kiddos around anymore. Need to learn how to download podcasts and all that stuff. I joined his site for about 6 months, then cancelled.

I just started Baby Step 2 last pay check. I've read TMM and Financial Peace Revisted. I did try his site out on the free 7 day trail and decided that it really didn't give me any thing more than what I got here. And since I'd already been here a while, and I don't have to pay to be here I decided that $8-$9 would be better spent paying down debt.

We haveonly just begun (gee isn't that a carpenter's song, LOL) So we are working on just pulling our numbers together and we will implement our first budget beginning Sept. 1.

I am starting baby step #1 on September 1st. I am very low income so I hope to have it completed in two months. And then onto the big debts!!

We are on Step 2, with a target date of completion December 2007. My van will be paid of in April,so that will add $400 to our snowball. Try to listen when I can, as I have to listen online.