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02-02-2011, 12:52 PM #31Registered User
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Living the Dave Ramsey way means my kids know how to create fun without having to turn on a TV.
It means self-control and self-discipline.MissSeetonFan
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02-04-2011, 03:05 PM #32Registered User
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- Jan 2011
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- 4-Season Midwest
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I have been lurking and reading through much of the forums, got a copy of the DR TMM book to motivate me, and just feel the "need" to add to this today....
...the DR way means....
Going through the bank drive-thru to deposit another $700 to finish funding the BEF and chuckling quietly at the nice bank lady who says she's reminding everyone today about the big "loan sale" that ends tomorrow and goes on to say she's sending out a brochure and if I can't use it, I should pass it along to someone who can. All the while I'm chuckling and thinking, Oh I just bet you would like to sell me some debt - on sale LOL - so next time I'm paying you rather than paying myself!! (plus you'd like me to do the legwork to find someone else - two birds with one shot??)
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02-04-2011, 10:54 PM #33Registered User
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- May 2008
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LOL Or, you could say, "Oh, no thanks, I don't do debt." I wonder if she'd even know what to say...
Originally Posted by Sumacaroni
Sara
Baby Step 1: DONE!!!
Baby Step 2: DONE!!!
Baby Step 3: $1,522.33/$12,600 goal (4 months)
Baby Step 4: Invest 15% of income into retirement
Baby Step 5: College funding for 4 kids
Baby Step 6: Pay off mtg
Baby Step 7: Build Wealth and Give!
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02-05-2011, 09:34 PM #34Registered User
- Join Date
- Nov 2007
- Location
- WNY
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working my modified DR plan has taught me to be more aware of how I spend my money, and to be more focused on my goal of getting out of debt.
DR, his plan, and the FV forums have given me the tools and support I need to comfortably survive the job down-times that have been a part of my life these past few years.Jen
30 yr old DD
3 kitties
(2 adopted from my daughter)
As of January 1, 2011------------------------ Updated June 10, 2011
Short term goals:
- $2,000: to set up my consulting business. DONE!
INVESTED ANOTHER $5000!
- $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
- $1,500: pay off Student loan ALMOST THERE!
- $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
- $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
- Complete tax returns by February 15th DONE
Long term goals:
Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
Balances January 1, 2011 -----------------June 10, 2011
Citimortgage on home: $104,500-------- $102,775
BofA Mtg on Rental: $27,000------------ $26,000(Est)
HSBC Equity Line on Rental: $11,900------ $9,902
Citibank car loan: $13,830 -------------- $11,663
Cornerstone car loan: $11,600------- PAID OFF!!
Student Loan: $1,500------------------ $320
Credit card: $1,200-------------------- $1,200
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02-06-2011, 06:53 PM #35Registered User
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- Dec 2010
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- Olympia, WA
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Living life the Dave Ramsey way means that it is not just lip service, but real knowledge and understanding, to be able to say debt is dumb and cash is king!!!!!
Right is right even if no one else is doing it. Wrong is wrong even if everyone else is doing it.
IF IT IS TO BE.....IT IS UP TO ME
The 12/12/12 project!
$12,548.54 of $24,202.77 PAID since 11/11/11! 48% to go!!!
Kitty mommy to:
JC
Jack
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02-07-2011, 08:57 AM #36Rude and Vile Master
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- May 2008
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- Baltimore, Maryland
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... that when your best friends find out that a dear friend of theirs is not long for this earth, you are able to offer to assist them in flying to see them one last time, and not worry about where the money to do so will come from.
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!
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02-07-2011, 09:32 AM #37Registered User
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- Jul 2009
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- Lou-zee-ana
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...that when your friend's newborn only lives a few moments, therefore the rider on their company life insurance on dependents doesn't kick in until the child is 14 days old and they have the expense of a funeral, you are able to help a little.
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02-08-2011, 09:36 AM #38Registered User
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- Jul 2010
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Realizing you have reduced your expenses so much that it is possible to support your family in an emergency on the lower earners income!
BS1: $1000/$1000
BS2:
CC: $0/ $15884
Other Debt: $0/2487
Car Loan: $0/11800
SLs: $20368/54031
Total Consumer Debt= $20,368/81825
Timeline:
10/09 - DH lost Job.
1/10 - spent 20k to finish DHs degree
4/10 - Found DR and got Gazelle Intense!!
1/11 - Paid off last CC!
2/11 - Downsized from 2400 to 600 sf!
10/11- Paid off car 3 yrs early!
1/12 - Paid off DH's Education!
Next Goal: Own My Degree!
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02-08-2011, 11:48 AM #39Registered User
- Join Date
- Jul 2006
- Location
- Georgia
- Age
- 37
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.....not giving up on my car even when the fender falls off, the AC is broken, and the radio only gets AM.... at least it's paid for.
no, not really, but you get the point.Don't Breed or Buy While Shelter Pets Die
married 16 yrs to my
mom to big J (15)
mom to little j (8)
Zena
Cherry Sara Knat Lucky Chianti Abby Alice Jasper 
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03-26-2011, 03:58 PM #40Registered User
- Join Date
- Nov 2007
- Location
- WNY
- Posts
- 466
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Means having no worries when your car needs $2,200 in transmission and computer repairs. Thanks to Dave, I have the funds!
Jen
30 yr old DD
3 kitties (2 adopted from my daughter)
As of January 1, 2011------------------------ Updated June 10, 2011
Short term goals:
- $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
- $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
- $1,500: pay off Student loan ALMOST THERE!
- $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
- $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
- Complete tax returns by February 15th DONE
Long term goals:
Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
Balances January 1, 2011 -----------------June 10, 2011
Citimortgage on home: $104,500-------- $102,775
BofA Mtg on Rental: $27,000------------ $26,000(Est)
HSBC Equity Line on Rental: $11,900------ $9,902
Citibank car loan: $13,830 -------------- $11,663
Cornerstone car loan: $11,600------- PAID OFF!!
Student Loan: $1,500------------------ $320
Credit card: $1,200-------------------- $1,200
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03-26-2011, 09:09 PM #41Registered User
- Join Date
- Aug 2010
- Location
- West Lothian, Scotland
- Posts
- 24
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- 0
Living the DR way means doing it the way you always knew deep down was the right way but somehow rationalized round it.
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