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  1. 01-01-2008, 07:41 AM #1
    Dutchie
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    Default I just have to share this - I am so excited!!

    My DH had a few days off between Christmas and New Year. We have taken this time to really get to grips with our finances and debts. I had already bought and read the TMMO from Dave Ramsey and was very excited about it. I had the feeling that this would be the way for us. My DH does not like self-help books at all. I have explained the book to him and he has started reading it. Well he loves it. Of course not everything is applicable across here (at least not for us) but we are going to follow the plan. We have 2 credit cards. 1 of them is a card that is automatically written from the account every month and the other is a 'normal' credit card which we can use and then pay off. We have discovered that we are paying 17.3% interest on this card . THAT IS OUR NUMBER 1 PRIORITY after the EF. We have also locked this card away so that we don't use it any more.
    I feel so excited about all this and I know that this is the start of something BIG and good.
    Just wanted to share this!!!!
    *Avril*



    Mom to Laurens (30), Timothy (26), Dimmen (24), Lloyd (23) and Fiori (21).

    May - no spend days 8/15
    May - hanging laundry loads 3
    May - no eat out 13/15
    May - baking 1/1
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  2. 01-01-2008, 07:58 AM #2
    Its_Donna
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    Wonderful News and Congrats on your decision! Continue to stick around the Village for lots of encouragement. You all can do this!
    Donna F.

    We're DEBT FREE

    Pay It Foward

    Nov. Eat Out Days - 0/30

    Nov. Grocery Challenge - $70/$425
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  3. 01-01-2008, 08:01 AM #3
    kaykwilts
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    That is wonderful. Attack that debt with a vengeance.
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  4. 01-01-2008, 08:07 AM #4
    AmyBoz
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    Good for you and best of luck!
    My Blog: http://amysreallife.wordpress.com

    Amy
    Wife to
    Mommy to 4
    Public School Teacher

    Our Only Debt: Mortgage - $454,243.56
    2012 Grocery Challenge: $474.57/$500 January
    Fling 2012 Things in 2012 Challenge: 253/2012
    Reading Challenge: 6 book read in 2012

    Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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  5. 01-01-2008, 08:14 AM #5
    Darlene
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    With the 2 of you working together debt hasn't a chance. WTG!
    ~*Darlene*~
    Live Well~LaughOften~Love Much

    "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
    Leo Buscaglia

    2012 Challenges
    Books Read: 43
    :



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  6. 01-01-2008, 09:35 AM #6
    Daisygirl
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    Great decision! You'll find lots of encouragement here!
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  7. 01-01-2008, 09:39 AM #7
    zenmama
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    Way to go!! Perfect start to a new year.
    Mom to DD 17, DS 14
    DH 41 1 cat,1 dog

    BS1 : DONE
    BS2 : Working on it

    2011 TOTALS AT START OF YEAR
    CAR1 : PIF
    CAR2 : 8054$/8775
    CC1: 4932$/6775
    CC2: 7351$/8500
    CREDIT MARGIN : 21368$/21500
    HOME : 145833$/147766
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  8. 01-01-2008, 09:51 AM #8
    hmcart
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    souns like a good start to the new year
    Holly

    My blog: www.littlebitoflifephotography.blogspot.com

    February challenges
    eat at home days 0/25
    groceries 0/400
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  9. 01-01-2008, 01:57 PM #9
    happydog
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    Congrats on starting this new way of living!


    Menu planning challenge 2011



    Mind the pennies, and the dollars will take care of themselves.
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  10. 01-01-2008, 02:10 PM #10
    Royal
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    Hoi Dutchie! Beste wensen voor 2008!! (Best wishes in Dutch)

    Good for you! You are absolutely in the right direction. It sure helps a lot when hubby's on board doesn't it?
    Married to DH(11 years)
    Mama to DS(8) & DS(6)
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  11. 01-01-2008, 02:21 PM #11
    Drgnfly423
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    Congratulations. There's nothing like getting everything organized and having a plan! Good Luck!
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  12. 01-01-2008, 02:21 PM #12
    Michelle68
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    Good for you, Dutchie!


    --Michelle
    ~ Michelle



    Wife to DH--
    Mom to DS--
    and DD--

    Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
    Mortgage -- $53,077.24
    March Emergency Fund Challenge-- $100 /$200
    ----------------------
    "The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got." --Will Rogers
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  13. 01-01-2008, 02:27 PM #13
    dolphin
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    Congratulations on a new financial beginning for the new year!
    "Success on any major scale requires you to accept responsibity."



    The Resident Queen Of Clutter!!!
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