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  1. 12-31-2008, 06:30 AM #1
    Janbee
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    Default What BS are you on?

    I am back on BS1 refunding my Emergency Fund had car issues.
    (I know I should have known that the car would need to have work eventually and had a fund for it but I didn't expect any trouble yet got bad gas that messed up fuel pump)
    Anyway I know the plan better now than this time last year so I am hoping that refunding my EF will not take as long as it did the first time.

    What step are you on and how long have you be following DR?
    Last edited by Janbee; 12-31-2008 at 06:31 AM.
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  2. 12-31-2008, 06:42 AM #2
    ladykemma2
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    Default

    baby step 3 (again!) trying to save 10,000, then 16,000.

    i recently did a foolish thing and spent some money I should not have.

    bs 1 done
    bs 2 done
    bs 3.1 in progress
    bs 3.2 fund car replacement
    bs 4.1 buy back 4.5 years texas teacher retirement
    bs 4.2 15% to retirement
    bs 5 college funding not applicable
    bs 6 mortgage paid done
    bs 7 build wealth and give I'm trying!
    11% gross to retirement
    10% takehome to tithe and offerings
    emergency fund maintained at 3000(works for me)
    credit card debt 7500
    mortgage free
    freedom accounts/sinking funds that ebb and flow
    then live on the rest!

    i am trying something new. LDS church advises savings or debt repayment should be the same as the tithe. 10% each.

    "i create prosperity, abundance, and savings for me and my household"
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  3. 12-31-2008, 07:15 AM #3
    sueh
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    I am on bs 1. I need to fully fund my emergency fund. I will have $1000of it by the end of January.
    Sue
    Single Mom to





    "A friend is like a good bra, close to your heart, hard to find and supportive."
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  4. 12-31-2008, 07:27 AM #4
    joyofsix
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    Default

    I must not be tracking this morning. I didn't think Baby Step when I saw BS
    Mom to Emma, Spencer, Connor, Lily,Fletcher, Amelia and Adeline.

    Mortgage $78,500/$15,200
    EF 3 mo income barring
    anymore emergencies
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  5. 12-31-2008, 07:36 AM #5
    DJ1972
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    BS2. Working on that auto loan...ach!
    DJ

    Married to DH since 1993
    DD age 16
    DS age 14
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  6. 12-31-2008, 07:59 AM #6
    TheRootedNomad
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    We've been at it since about June 2005. We are on steps 5 (kids school) & 6 (the house) with the focus more on 6. We've been here for somwhere in the area of a year. There are lots of reasons why we feel paying off the house first makes more sense for us than putting large chunks into a school fund. That said, we have every intention of putting money toward their schooling, and have small amounts being diverted that way. In our plan getting rid of the mortgage is the priority though.
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  7. 12-31-2008, 08:45 AM #7
    Greebo
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    Still on BS2. Our debt snowball has been eaten by an "investment" property we purchased before we started the DR plan.

    *Sigh*
    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!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  8. 12-31-2008, 08:55 AM #8
    Denvergirlie
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    BS3 - at about 60% of that goal, but have been losing some motivation of late, need to refocus indeeed.
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  9. 12-31-2008, 09:49 AM #9
    TinyDancer
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    BS 2. I'll be on this step for the next year.
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  10. 12-31-2008, 11:43 AM #10
    homesteadmamma
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    I just want to encourage all of you to keep going. You'll all get there. It's hard work, however it didn't happen overnight that you got to where you are and it won't happen overnight that you get to where you want to be. I'm cheering you all on. You're all doing a great job.
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  11. 12-31-2008, 11:51 AM #11
    McD
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    Baby step 2 for us. And I also thought that BS stood for something else.
    McD
    -wife to Z
    -mommy to Dubya & Moo Cow

    Blog: http://familystylemayhem.wordpress.com/


    My Ravelry: http://www.ravelry.com/projects/nicd...view=thumbnail
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  12. 12-31-2008, 12:06 PM #12
    C@rol
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    Talking

    Quote Originally Posted by joyofsix View Post
    I must not be tracking this morning. I didn't think Baby Step when I saw BS
    So did I. I was wondering "who pissed her
    off." :crofl:
    " May we never let the things we can’t have or don’t have or shouldn’t have spoil our enjoyment of the things we do have and can have. As we value our happiness, let us not forget it. One of the greatest lessons in life is learning to be happy without the things we cannot or should not have."
    -Richard L. Evans

    ~Check out C@rols Blog on FV
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  13. 12-31-2008, 01:00 PM #13
    khjmom
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    Back to baby step two for us. We are paying off dd's car. Hope to have it done by the end of this year.
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  14. 12-31-2008, 02:51 PM #14
    BlessedMomof2
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    We are on baby step 1, we began reading The total money makeover and listening to Dave Ramsey in August 2008. We took 2 months of trail and error and adjust our living and lifestyle, along with taking our credit cards out of our wallets.
    We began the step full force December 1, 2008. We do not have as much money saved as I was hoping for but with Christmas the same month we started I'm happy with what we have saved already, it's better then nothing.
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  15. 12-31-2008, 03:34 PM #15
    EmilyD
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    Back at BS 1 .. I bounce between 1 and 2 on a regular basis *sigh*
    Living Single and Loving it!
    EmilyD

    Groceries: $150.00/$150
    Gasoline $80.00/$80 (4/20-5/4)

    Car repairs: $50.00/1000.00
    House repairs/maintenance: $0.00/1000.00
    Medical expenses: $50.00/1000.00
    Dental expenses: $50.00/1000.00
    Emergency fund: $50.00/1000.00
    Tags: $39.00/150.00

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