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12-17-2010, 05:05 PM #1Registered User
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Hi!
Hi, My name is Erin I am 24 I live with my boyfriend of 6 years. I have recently I guess you could say "grown up" i am 100% motivated. I want to be in a house asap, start a family and have a life together.
I am prob about 4g in debt and over the last year I have been tracking and budgeting all of our bills. I give every dollar a name/home a place to be. I save what I can I would be at my $1,000.00 savings goal as over nov. but some things came up so I am hoping to be back at the goal by feb/mar.
After I reach my goal I hope to pay off at least half of my aprox 4,000.00 debt if not more.
My boyfriend is currently in school with about a year and 6 months to go, which we recently have found out he maybe able to shorten that time.
This saving money, getting on track and out of debt has become an obsession for me. I have started shopping at thrift stores, i wont spend more than $20.00 on a pair of pants or around $15.00 on a shirt from a retailer.
We don't have cable tv, we just combined our car insurance to save an extra $53.00 a month, and that includes adding renters insurance.
I have never been a "church" person but go with family every now and then... recently went and what was said really opened my mind to a few things in life. I am hoping to make a little more of an attempt to go more often.
My boyfriend has paid off most of his debt already and again I am hoping in 2011 to pay off half if not more.
I am already doing all of the right steps which made me very proud of my self when I came across both Dave Ramsey & Larry Winget and what the suggest you do and have you do... I am on my way and learning a lot from both of them.
I hope to share my expedience a long the way with the new people I meet on this site!
Erin
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12-17-2010, 05:40 PM #2Registered User
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Welcome Erin!! Sounds like you've really made an effort to join the adult world.
Know what I think? I think you're 'gazelle intense' and you'll have a lot more than HALF of that 4K knocked out in 2011. Keep us posted. There's a lot to learn here.
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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12-17-2010, 06:12 PM #3Registered User
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Welcome--you came to the right place, you will learn a lot here.
Charity Items 3
Change Jar
Christmas 2011 
Books read
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12-17-2010, 09:18 PM #4Registered User
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Hi Erin, welcome to frugal village!
*Angel*
Dave R. Plan
Step one - Done
Step two-Done
Step three-Done
Step four-Done
Step five- Working on
Step six- almost done
Living debt free except the mortgage and working on that !!!
Be content with what you have;
Rejoice in the way things are,
When you realise there is nothing lacking,
the whole world belongs to you.
-Lao Tzu
Have Courage
“Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires…courage.” Ralph Waldo Emerson
"I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw some things back..." Maya Angelou
"Choose a job you love and you will never work a day in your life." (Confucius 551-478 BC)
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12-17-2010, 10:15 PM #5Registered User
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Hi and welcome from Minnesota!
Dh Bob
FIL 
DS (21) at Lakehead U - go Thunderwolves!
www.ouroldhomestead.blogspot.com
2012 Exercise Challenge - 5,358 min
2012 Water Challenge - 7,330 oz
May No Spend Days - 0 /20
Wasted money - May total - $0
2012 Change Jar - $ 37.20
No Eat Out - 114 /365
2012 Reading Challenge - 3 /12
2012 Home Project - May - 4 totes 0 /4, organizing laundry room
20 Wishes Challenge - 3/20
12,400 /36,500 squats
2012 Coupon Challenge - $416.06
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12-18-2010, 02:39 AM #6Registered User
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Glad you have joined us.
Sounds like you are doing great things...........WTG!
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12-18-2010, 05:14 AM #7Registered User
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Welcome to FV! The best people are here.
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12-18-2010, 07:46 AM #8Super Moderator
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I like your attitude Erin! Go you!
Welcome to Frugal Village, make yourself at home.
~*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
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12-18-2010, 08:52 AM #9Registered User
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Welcome, you have definitely come to the right place, most everyone here have the same goals, and are very motivated, great to talk to, full of wonderful ideas.
You will learn a lot here, and by the sounds of it you, yourself will contribute a lot.
Great to have you here, and it sounds like you have a lot of motivation at 24 years old. Wish I Had that much get go and motivation in the right direction at 24.
Tho I got to say now at 29 and in the past couple of years we have certainly moved into the right directions.
Have a great time at the village....Kelly
Wife
to Steven for 9 years
SAHM to Three wonderful Children:
DD Robyn 10 
DS Riley 8 
DS Dalton 4 Videl Shadow
Formally : GibblerKelly
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12-18-2010, 05:06 PM #10Registered User
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Hi and Welcome!
Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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