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  1. 01-27-2012, 07:52 AM #1
    cb
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    Post Hi everyone. I'm new.

    Hi

    I always seem to stumble across frugal village in my google searches. I have been following Dave Ramsey for quite some time. I was starting to watch Suze Orman but that just became ridiculous. Callers would say, " I have 124,000 in liquid cash, 114,000 in investments, 390,000 home and I bring home 12,400 a month... can I afford 2 pizzas for dinner?" When she started her approved debit card that sealed the deal of being done with her. I'm sticking with Dave Ramsey. I have a good paying job and I live within my means. I finally paid off my credit cards. I do however want to pay back a 401k loan. I need an EF too. It was a tough decision but I took out a loan for a deposit on my home. I don't have PMI since I put down 20%. I am actually saving money because owning is cheaper than my apartment. I would like to pay my loan by next year. I'm hoping to get some great tips and ideas from others on this site. Everyone seems encouraging and it seems like a great place to be. I hope I can help others as well.
    Last edited by cb; 01-27-2012 at 08:02 AM. Reason: sentence isn't relevant to me being here
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  2. 01-27-2012, 08:12 AM #2
    Ceashels
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    Welcome to the Village! Congratulations on not having cc debt. That is a great thing to be able to say these days.
    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. 01-27-2012, 08:15 AM #3
    mombottoo
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    Welcome to FV
    "Life is what happens while you are busy making other plans." John Lennon
    "Infinite goodness has wide arms." Dante

    Change & Penny Challenges:
    Penny : $22.07
    Change : $97.70
    $ bills : $22.00


    Grocery Challenge:
    Grocery $400 per month: $0/$400 March
    Running Total (updated monthly): $751.73

    Savings Challenge:

    $100.36/$3,000 to replenish BEF

    2012 Coupon Savings Challenge:
    : YTD: $308.41

    2012 Fling Challenge: 691/2012
    20 Wishes Challenge: 2/20
    2012 Sell Stuff Challenge: /60
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  4. 01-27-2012, 08:47 AM #4
    Russ
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    welcome to Frugal Village!
    Russ

    Truck payments: 10 9 8 7 6 5 4 3 2 1 WAHOO!
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  5. 01-27-2012, 09:10 AM #5
    low-1
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    Hi and welcome!
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  6. 01-27-2012, 11:00 AM #6
    hnybny91
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    Welcome!!! Oh, and I agree with you on the Suze Orman thing. I would rather get a root canal then watch her show...lol
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  7. 01-27-2012, 11:06 AM #7
    krbshappy71
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    Welcome!!!

    What I want to know is....can they have those 2 pizzas? 'Cause I really like pizza.
    LDR , 2 DD (one left the nest, one rarely home) More pets than money. More love than sense.

    "If you can't see the light at the end of the tunnel, march down there and light it yourself."

    Full-time job
    Car loan and personal loan
    Challenges for 2012:
    2012 Grocery Budget Reduction Challenge- $100 a month. (down from $150) Hm, might be too low.
    Electric Usage Challenge (doing well, under $70 most months)
    Yah, I suck at this money stuff, I know. That's why I'm here.
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  8. 01-27-2012, 11:29 AM #8
    piney
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    to the village.
    challanges for 2012
    Grocery budget challange $200.for grocery,Hba,& stockpiling,each month.
    May,no spend days challange 20-5/8
    1-26/2-18/3-26/4-24/
    change jar
    1-2012 Grocery,hba,stockpiling $168.46
    2-2012 ''''''''''''''''''''''''''''''''''''''''''''''""""$160.42
    3-2012 """""""""""""""""""""""""""""$136.52
    4-2012"""""""""""""""""""""""""""""""$97.97
    5-2012''''''''''''''''''''''''''''''''''''''''''''''''''''''''
    2
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  9. 01-27-2012, 11:37 AM #9
    Uniwolf
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    welcome from NW Arkansas

    Mel
    Wife to DH Rick for 24 yrs
    DD 27
    DS 24
    DD 23
    and the lights of my life DGS 2(it really doesn't seem that he should be 2 Oma is not sure she is a fan of this. and DGD 6 months.
    And of course the furbabies Sir Scooby, Mr. Dusty, and Luke a Duke; all furry four pawed guys, who are my constant shadows at home


    2012 Challanges
    2012 Crochet Corner - using up the stash ...
    2012 Craft & Hobby Supplies Use It Up Challenge
    Fling 2012 Things in 2012 Challenge! 208 items to date
    2012 No Spend Challenge
    2012 Change Jar Challenge 6.90
    2012 Grocery Budget Reduction Challenge
    January Dinner Challenge: Five Bucks, Five Times a Week -
    2012 Home Project Organizational Challenge - 1 side of the kitchen done
    2012 Pantry Inventory and Menu Challenge
    2012 One-Thing-Only Goal -started
    2012 Lose-A-Pound-A-Week Challenge
    Homestead projects for 2012
    2012 goals
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  10. 01-27-2012, 01:35 PM #10
    Ponderer
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    Welcome to you from the PNW!
    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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  11. 01-27-2012, 02:22 PM #11
    shelly123
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    welcome! I hope you learn alot here, as I have.
    I dislike Suze Orman's show as well, but liked listening to DR on my ride home from work. I am sad that they moved him to a different time.
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  12. 01-27-2012, 02:40 PM #12
    tripleb
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    Welcome to FV. You will get all kinds of tips from here!
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