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01-18-2009, 04:33 PM #1Registered User
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I'm new
I just thought I would introduce myself. My name is Heidi and I'm 23 years old. I joined this forum mostly because I am trying to get out of debt and I think it would help if I could communicate with others doing the same thing.
I read Dave's TMMO book and it really opened my eyes.
I found it funny that there was so much about money that I didn't know! If my parents or teachers had gone over this sort of thing I know I would not be in the predicament I am in now. I'm just thankful to have read that book at this point in my life so I have plenty of time to correct my mistakes and prepare for the future.
Sorry if I'm rambling...
Anyways, I look forward to learning from all of you!
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01-18-2009, 04:43 PM #2Registered User
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Welcome to Frugal Village from Ontario. I, too, have read a lot of Dave Ramsay's book, and I learned a lot. Frugal Village is a great place to get lots of tips and advice on how to save money. Glad you joined! 
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12
"A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
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Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate
)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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01-18-2009, 05:26 PM #3Founder
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to frugal village.
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01-18-2009, 05:41 PM #4
Hi and welcome to the village.
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01-18-2009, 06:00 PM #5
Hello! Welcome. We're excited to hear your story and help out in any way we can!
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01-18-2009, 06:33 PM #6Registered User
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Welcome, I hope you learn a lot I know I have in the short time since I started reading the posts regularly.
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01-18-2009, 06:38 PM #7Registered User
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Hi and welcome...good luck with your TMMO!
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01-18-2009, 09:15 PM #8Registered User
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Thanks everyone for the warm welcomes!
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01-19-2009, 08:24 AM #9Registered User
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Hi and welcome! We're glad you've joined us here at the Village!
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01-19-2009, 09:42 AM #10Registered User
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Hello and welcome. Good Luck with your TMMO!
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01-19-2009, 01:56 PM #11Registered User
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Welcome to FV. You will have so much fun and learn so much I think you will be glad you found this site.
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01-19-2009, 02:45 PM #12Registered User
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Welcome from Eastern Carolina!!
Dave Ramsey is such a blessing, I'm so glad that you had the opportunity to discover him and his teachings.
It's good to see another young'un on the boards and a fellow horse owner, too!!
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01-19-2009, 09:59 PM #13Registered User
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No way! You have horses too?
I'd love to hear about them.
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01-19-2009, 10:11 PM #14Registered User
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Welcome, if you have read the TMMO then you are on the right track.
At 23 it is fantastic that you have taken this mindset. It will make you life easier in years to come and you are in a fantastic position to really get things right early on.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
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01-20-2009, 07:29 AM #15Registered User
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to the Village!
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