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  1. 08-10-2009, 11:03 PM #1
    BigTony
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    Default Got my DR TMM Book Today

    Got my DR TMM Book Today, Ready to dig in tonight !!!
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  2. 08-10-2009, 11:52 PM #2
    larabelle
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    Cool go for it!!!
    Baby Step #1 Done!
    Baby Step #2 Beginnning debt balance 01/01/08 $78K /Paid in full on 08/06/10
    I'm debt freeeee............ GOD IS SO GOOD!!!
    Baby Step#3 Goal: One year emergency fund began saving Jan 2011 accumulated Aug 2011 YIPPEE!!! God is sooo good to me!!!
    Baby Step #4 Yep currently doing this.
    Baby Step #5 No kids so no need.
    Baby Step #6 Renter.. Working on putting 100% down on a house!!! Currently have 25% saved.
    Baby Step #7 Someday.......
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  3. 08-11-2009, 11:58 AM #3
    ktsmama
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    Congrats on getting started. Good luck on the plan, it really works!

    Last edited by ktsmama; 08-11-2009 at 12:02 PM.
    Robbin

    Mom to Katey
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  4. 08-11-2009, 12:21 PM #4
    mauimagic
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    Congratulations!! Great start!! Let us know how it goes!!
    Travel light. The baggage of the past can only hold you back.




    “Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
    — Peter Walsh
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  5. 08-12-2009, 01:36 AM #5
    fufu
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    Way to go!
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  6. 08-12-2009, 01:52 AM #6
    mauimagic
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    So Tony - how's the reading going? Are you inspired?
    Travel light. The baggage of the past can only hold you back.




    “Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
    — Peter Walsh
    __________________
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  7. 08-15-2009, 07:21 AM #7
    BigTony
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    Yes, alot of Brainstorming. Its just getting started thats hard,getting all the information togeather.

    I think I will get his other book today..


    Thanks, Tony
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  8. 08-15-2009, 08:02 AM #8
    Mom23boys
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    It is a great book - full of lots of great information! Enjoy!
    ~*Michelle*~

    ~Wife to Rick since Dec. 19, 1986~
    ~Mother to Richard, 23, Chris, 21, and Dakota, 17~
    ~Mother-in-law to Amber, wife of Richard~
    ~Elementary Teacher~
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  9. 08-15-2009, 11:55 AM #9
    Greebo
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    Quote Originally Posted by BigTony View Post
    Yes, alot of Brainstorming. Its just getting started thats hard,getting all the information togeather.

    I think I will get his other book today..


    Thanks, Tony
    Tony,

    It is hard getting started, I agree.

    But think about the cost of not starting.

    They say that Hard work pays off tomorrow, while procrastination pays off right now. But - have you ever gotten a payoff from procrastination that didn't have a HIGHER price tag later?
    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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  10. 08-15-2009, 04:28 PM #10
    MaryCarney
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    Quote Originally Posted by Greebo View Post
    Tony,

    It is hard getting started, I agree.

    But think about the cost of not starting.

    They say that Hard work pays off tomorrow, while procrastination pays off right now. But - have you ever gotten a payoff from procrastination that didn't have a HIGHER price tag later?
    Great quote!!! Guess what happened when we started appliying that wisdom??? We got debt-free (including the house)!! All of you on the road, keep at it, it is worth it!! I follow your struggles and victories every day, and pray for you all as a group. Keep going!!!
    Mary Carney Working the night shift 'cause they never have meetings at 3am!
    DD Sarah 32
    DD Rosanne 28
    DS Benjamin 18
    DD Kathleen 17
    Married to David since 1975



    Starting grad school September 1, 2010 in pursuit of MSN degree.
    MSN degree completed on 4 May 2012 with NO DEBT!
    Total cost (including books) = $8375.
    Weight loss on Weight Watchers since June 1= 18.8#
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  11. 08-15-2009, 04:35 PM #11
    frugalfriend
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    Way to go! Use us for support and accountability buddies if you need to! Great book and best program out there!
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  12. 08-15-2009, 07:09 PM #12
    Preston
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    the hardest part is getting started, but once you get momentum on your side there is nothing standing in your way.


    --

    "It doesn't matter how hard you hit, it's how hard you can get hit and keep moving forward. That's how winning is done." - Rocky Balboa

    Story of my life. In 2007 we had 78000 worth of debt, and we climbed out under it, on top of paying for a surgery with cash, bought a house, had a foundation shift and $11000 in repairs later we are good to go.. then I hear the words "I'm pregnant!"
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  13. 08-16-2009, 04:28 PM #13
    BigTony
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    Thanks to All, I was telling my family how happy I was that I found this forum. I never really had anyone to share my frustration with. I wish you all the BEST !!

    RIP Elvis August 16, 1977 !!!!
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  14. 08-16-2009, 04:33 PM #14
    never2late
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    You're so right Tony! Between the support you will get here at FV and starting the DR plan, I'm sure you will be "living like no one else!"
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  15. 08-16-2009, 05:03 PM #15
    Wendy99
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    I love dave ramsey & his ideas are great. we did very well on his plan, although we made a mistake and are struggling a bit right now ..
    Wendy

    Goals:
    1. BEF COMPLETE
    2. Debt OWE $5203.82 / $6026.38
    3. FFEF $2212.31 / ?

    Challenges:
    1. 2012 Fling: 501 / 2012

    Working towards Romans 13:8
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