Results 1 to 15 of 16
LinkBack URL
About LinkBacks-
09-07-2008, 03:27 PM #1Registered User
- Join Date
- Sep 2008
- Posts
- 47
- Post Thanks / WTG / Hug
- Rep Power
- 0
Newbie just ordered Dave's FPU on CD
Newbie here and I just ordered Dave's FPU should be getting it tomorrow. I can't wait to hear his ideas and put them into use. I have lost 1/2 my income and that was making ends meet. My husband and I have made a decision that we NEVER want to be in this position again, so we took a leap of faith and spent the money on it. Oddly enough, it wasn't all that hard to scrimp enough money to buy it. Any how I look forward to getting to know everyone on our journey of financial freedom.
-
09-07-2008, 04:37 PM #2Registered User
- Join Date
- Aug 2006
- Location
- Texas
- Posts
- 3,030
- Post Thanks / WTG / Hug
- Rep Power
- 19
When I bought the Total Money Makeover I had $20 in the bank.
Now I am a year from paying off my credit card and 14 months from paying off my car.
Sometimes you have to spend your last buck to get your life on track.
Welcome to the boards and just so you know, if you are willing to put in the work and the time with no excuses or falling off the wagon, the dave Ramsey plan WILL work for you.Last edited by Cricketlegs; 09-07-2008 at 04:37 PM.
The math never lies, budget in INK!
Amount of Free items 2012 $391.33
Debt #2 12/31/12 CC $901.88
Debt #3 12/31/12 $3648.83
Madness, mayhem chaos...my work here is done!
-
09-07-2008, 04:54 PM #3Registered User
- Join Date
- Aug 2005
- Location
- Canadian prairies
- Posts
- 11,665
- Post Thanks / WTG / Hug
- Blog Entries
- 4
- Rep Power
- 48
Hi! I'm a relative newbie too. I just received my copy of the FPU CDs last week. DH and I have been listening to them and drafted up our first DR budget yesterday. I'm excited. It really shows you where your money is and where it's going. I've been listening ahead on the CDs too. Interesting stuff. I think we'll learn a lot from his material. DH sure is stubborn about some things though.
It'll be nice to have someone along on the ride to compare notes! Enjoy the CDs!
JeanLast edited by peanut; 09-07-2008 at 04:55 PM.
2012 Challenges
Use it up Challenge
20 Wishes Challenge: 1/20
Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
-
09-08-2008, 11:09 AM #4Registered User
- Join Date
- May 2007
- Location
- SW Oklahoma
- Age
- 42
- Posts
- 140
- Post Thanks / WTG / Hug
- Blog Entries
- 1
- Rep Power
- 6
Good Luck!
-
09-08-2008, 11:33 AM #5Rude and Vile Master
- Join Date
- May 2008
- Location
- Baltimore, Maryland
- Age
- 43
- Posts
- 8,243
- Post Thanks / WTG / Hug
- Rep Power
- 71
Welcome aboard!
Great to have you on the plan!
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
09-09-2008, 12:46 PM #6Registered User
- Join Date
- Sep 2008
- Posts
- 47
- Post Thanks / WTG / Hug
- Rep Power
- 0
Ok so we have listen to the first two lessons on FPU an I have read 8 chapters of the book FPU revisited. My car broke down yesterday, so unfortunately we can not contribute much to our EF, but on the good side we already have $211 in the EF. W are going to do a budget for the rest our money this month and then start a new one for next.
-
09-09-2008, 12:55 PM #7Rude and Vile Master
- Join Date
- May 2008
- Location
- Baltimore, Maryland
- Age
- 43
- Posts
- 8,243
- Post Thanks / WTG / Hug
- Rep Power
- 71
You'll be amazed once you start putting your money under the lash (aka, a budget) how much more you seem to have at the end of the month.
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
09-09-2008, 01:05 PM #8Registered User
- Join Date
- Jun 2007
- Location
- Kenosha, Wisconsin
- Age
- 32
- Posts
- 1,392
- Post Thanks / WTG / Hug
- Rep Power
- 6
Good luck! Keep us posted if you'd like!
-
09-09-2008, 01:23 PM #9Registered User
- Join Date
- Aug 2006
- Location
- Texas
- Posts
- 3,030
- Post Thanks / WTG / Hug
- Rep Power
- 19
Don't be surprised when the numbers change in the budget month to month when you first start out.
Getting it all on paper is the first step, then life has a way of ironing out all the wrinkles and you see where you can save from one area or what is just a drain in another.
Tweaking it is all part of getting it where it needs to be for the long haul.
be sure and come back to the village all the time. It really does help you over the bumps and also to get the cheerleaders when it all comes together.The math never lies, budget in INK!
Amount of Free items 2012 $391.33
Debt #2 12/31/12 CC $901.88
Debt #3 12/31/12 $3648.83
Madness, mayhem chaos...my work here is done!
-
09-09-2008, 06:08 PM #10Registered User
- Join Date
- Aug 2005
- Location
- Canadian prairies
- Posts
- 11,665
- Post Thanks / WTG / Hug
- Blog Entries
- 4
- Rep Power
- 48
Way to go! $211 is a start! I'm already noticing where the holes are in our budget. There's a lot of last minute demands made on our money by other people. I have to learn to say 'no' to people.
Originally Posted by Day~Dreamer
Jean2012 Challenges
Use it up Challenge
20 Wishes Challenge: 1/20
Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
-
09-09-2008, 06:30 PM #11Registered User
- Join Date
- Nov 2006
- Location
- CO
- Posts
- 2,563
- Post Thanks / WTG / Hug
- Rep Power
- 17
Way to go!
-
09-09-2008, 09:38 PM #12Rude and Vile Master
- Join Date
- May 2008
- Location
- Baltimore, Maryland
- Age
- 43
- Posts
- 8,243
- Post Thanks / WTG / Hug
- Rep Power
- 71
Read. "Boundaries". Originally Posted by peanut
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
09-09-2008, 11:50 PM #13Registered User
- Join Date
- Aug 2005
- Location
- Canadian prairies
- Posts
- 11,665
- Post Thanks / WTG / Hug
- Blog Entries
- 4
- Rep Power
- 48
LOL! Already did! This spring... now I need to put it into practice. Funny, some things become so automatic or habitual you don't even realize you're doing them, kwim? Originally Posted by Greebo
Jean2012 Challenges
Use it up Challenge
20 Wishes Challenge: 1/20
Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
-
09-10-2008, 01:31 AM #14Registered User
- Join Date
- Feb 2008
- Location
- Brisbane, Australia - the sunshine state
- Posts
- 608
- Post Thanks / WTG / Hug
- Rep Power
- 6
Good luck with the program, the most important thing is that you do it together and sounds like DH is on board with you so that is great news.
Don't worry if the budget doesn't work out prefectly the first month. It will get better every month. Just think you are one onth closer to debt freedom then you were last month!
what a great feeling.Debt 1 - Paid in Full (originally $750)
Debt 2 - Paid in Full (originally $2100)
Debt 3 - Paid in Full (originally $3500)
Debt 4 - Paid in Full (originally $4000)
Debt 5 - Paid in Full (originally $3000)
FFEF - Fully Funded with 6 months of expenses as of July 2009
Next Step - House deposit
-
09-10-2008, 11:03 AM #15Registered User
- Join Date
- Aug 2005
- Location
- Canadian prairies
- Posts
- 11,665
- Post Thanks / WTG / Hug
- Blog Entries
- 4
- Rep Power
- 48
I figured out the return on our RRSPs and was extremely discouraged. We'd have done better to keep our money in GICs and CDs the last 18 years. I am majorly upset here. I think I'll talk to DH and we'll stop funding the RRSPs.
Jean2012 Challenges
Use it up Challenge
20 Wishes Challenge: 1/20
Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
Reply With QuoteSimilar Threads
-
Dave'sGirl is now Dave'sFiance :)
By Dave'sGirl in forum General ChatReplies: 39Last Post: 01-03-2009, 10:36 AM -
Just ordered my first
By YankeeMom in forum EducationReplies: 2Last Post: 05-17-2008, 08:30 PM -
Dave Pelzer - A Child Called It, Lost Boy, A Man Named Dave
By bumplett in forum Leisure & Media ArtsReplies: 5Last Post: 09-15-2006, 09:46 PM -
I just ordered trees!!
By kimmee in forum Homesteading and gardeningReplies: 7Last Post: 12-30-2004, 06:37 PM -
Just ordered this book!!
By homesteadmamma in forum Homesteading and gardeningReplies: 11Last Post: 10-28-2004, 09:27 AM
Bookmarks