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  1. 01-31-2011, 09:00 AM #1
    Greebo
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    Default Living life the Dave Ramsey way means...

    ... being able to afford to wait for the IRS to be able to process your tax refund because you itemize and congress took too long to pass the tax laws last year. Thanks, DR!

    Add your own!
    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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  2. 01-31-2011, 09:11 AM #2
    Ceashels
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    Living life the Dave Ramsey way means...

    putting your needs before your wants and delaying your wants until you can afford them in the here and now.
    The Free Spirit Saver who walks the path with Greebo.

    Onboard with a modified Dave Ramsey Plan
    Budget: "Every month! On paper, on purpose!"


    Gardening somewhere between Zone 6b and 7a.
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  3. 01-31-2011, 09:19 AM #3
    Russ
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    Living life the Dave Ramsey way means...
    ...Not paying stupid tax.
    Russ

    Truck payments: 10 9 8 7 6 5 4 3 2 1 WAHOO!
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  4. 01-31-2011, 09:28 AM #4
    Samigirl
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    Living the Dave Ramsey life means...

    Making the mental switch from wondering if I can afford the payments...to making a goal to save up the total cost.


    How much we enjoy what we have is more important than how much we have. Life is full of people who have more than they know what to do with, but cannot be content. It is the capacity to enjoy life that brings contentment.---Unknown
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  5. 01-31-2011, 09:28 AM #5
    OOwl
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    . . . finally living like a responsible adult that can delay gratification until it can be paid for in CASH. Thank you, Dave Ramsey!
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  6. 01-31-2011, 09:33 AM #6
    savvy_sniper
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    Being able to add MAJORLY to my stockpile when I find a great deal!
    Mary

    I won 2nd place! Made it to the top 4 finalists for the ultimate biker makeover!

    www.garage-girls.com

    12/08/10 - Begin diet & exercise program.
    Goal #1 - lose 30 lbs, lower blood sugar, blood pressure, & cholesterol - DONE
    Goal #2 - lose 5 more pounds to put me in the normal range on the BMI - DONE - 5/13/11

    05/16/11 - Down 36 lbs (total) since 12/08/10, under calorie goal almost every day, on treadmill 40 minutes 5 days a week MINIMUM.

    Chase CC - Paid off 06/09
    B of A CC - Paid off 07/09
    Hospital - Paid off 02/10
    Harley - $8,000
    House - Start $127,944 Balance $109,076
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  7. 01-31-2011, 10:36 AM #7
    handerson2005
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    ...being able to see the light at the end of the "stupid tax" tunnel!
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  8. 01-31-2011, 10:38 AM #8
    Lora88
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    knowing that when the bad times come (and they always do) I have got it covered for me and mine
    Married to DH Manny 22 years


    Mom to DS Rob dil Kelly Ds Tom DD Jen soninlaw Jason DS Manny jr

    Furbabies Foxy and Loki
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  9. 01-31-2011, 12:31 PM #9
    grneyegrl
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    living dave,suzy or the dolans way means when your payroll dept(used to work in one) messes up everyone checks and your short 4 hours pay.. the ability to say"put it in next weeks check". and your plans for the week end are just fine...

    because u pre paid everything.
    car loan 12/2006 14,687.93

    student load : in forbearance
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  10. 01-31-2011, 12:36 PM #10
    CrazyHomemaker
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    ...not having to say 'I'm sorry' for buying on a credit card...because you already have the money for it.
    Projects in Progress: quilt, bathroom rugs, knitting dishcloths

    Future Projects: finish baby doll (clothes & hair) for DGD, rag rug, table napkins

    New Challenge for Myself: crochet items for the homeless
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  11. 01-31-2011, 12:43 PM #11
    Greebo
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    Default

    Quote Originally Posted by CrazyHomemaker View Post
    ...not having to say 'I'm sorry' for buying on a credit card...because you already have the money for it.
    ...

    Buying on a WHAT????
    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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  12. 01-31-2011, 01:41 PM #12
    MaryCarney
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    ......sleeping at night instead of laying awake wondering if you have enough to make all the payments this month!
    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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  13. 01-31-2011, 03:11 PM #13
    photogal06
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    ....a $500 car repair is barely a blip on the radar.
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  14. 01-31-2011, 04:24 PM #14
    sunshine
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    Not fretting over car repairs, furnace repairs, etc. . . because the money is in the EF. . .

    Also means I'm not fretting over several large bills coming due at the same time (from one paycheck) because I planned ahead and took small amounts out over many checks to cover it.
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  15. 01-31-2011, 04:40 PM #15
    OOwl
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    I thought of another one.

    . . . knowing that Christmas comes in December every single year and planning accordingly to stick to a budget and pay in cash. Thank you again, Mr. Ramsey.
    Totally debt free since January 2011.
    Fully funded Emergency Fund complete December 12, 2011! Yeah!
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