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Thread: Hello!!

  1. 02-21-2006, 08:51 PM #1
    ladydi
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    Smile Hello!!

    Hi Everybody.
    I thought I'd introduce myself. I found this forum a few days ago and it's exactly what I've been looking for!!! You all seem so supportive and committed to living frugally, getting and staying out of debt, and saving money.
    I have gotten myself in a pickle with my careless spending and I can't stand it anymore!!!! My goal is to stop using credit cards, pay off all my bills (4 credit cards, car payment, 2 motorcycle payments, student loans, mortgage, etc!!!), and I want to do this in 2 years. I've been listening to Dave Ramsey lately and I like what he has to say. I've been working on an emergency fund while paying off my debts and already I feel better.
    I get stressed out sometimes thinking about all the money I owe and what might happen if I get sick and have to miss work for a long time. Or if I get laid off. I also hate myself for letting it get this far. I could have so much money saved if I only behaved differently all these years. Oh well, better late than never.

    Anyway, thank you for letting me rant a little. I'm excited to be here and I look forward to all your ideas and support. I think that's what I need the most right now.
    Ladydi
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  2. 02-21-2006, 08:55 PM #2
    madhen
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    Sounds like you are on the right track already! I only wish I could be looking at being debt free in two years! I'm looking at closer to ten right now.

    I just joined recently, as well, and your first opinion about this group is absolutely right on the button! I'm really happy I found this place!
    DH aka Mad Hen
    (http://mad-hen-creations.blogspot.com/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi
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  3. 02-21-2006, 08:55 PM #3
    MOMMYDEAREST
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    welcome to the village. you are in the right place for support......you will love the village, i promise
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  4. 02-21-2006, 08:57 PM #4
    waterlover
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    Welcome to the Village Ladydi
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  5. 02-21-2006, 09:14 PM #5
    FrugalMomof3
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    Welcome to the Village Ladydi!

    Seems like your already on the right track... WTG!
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  6. 02-21-2006, 09:51 PM #6
    leeleeaub
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    Welcome you will get tons of wonderful ideas and tips. Most of all you will make some wonderful friends.
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  7. 02-21-2006, 10:09 PM #7
    ladydi
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    Originally posted by madhen
    Sounds like you are on the right track already! I only wish I could be looking at being debt free in two years! I'm looking at closer to ten right now.

    I just joined recently, as well, and your first opinion about this group is absolutely right on the button! I'm really happy I found this place!
    I guess I should clarify Madhen. I'm not including my mortgage in that goal! If I were, I'd be at 10 years too! However, I have about $64,000 in debt without my mortgage as of Jan. 1, 2006. I have been able to pay off about $4000.00 in the past 2 months, so I am now at $60,000. I have about $500.00 in my EF and I will take Dave Ramsey's advice and build it up to $1000.00 as soon as possible.
    I am completely committed to this. I have created a MS Word table that lists all my debts and the amounts I pay to each one monthly-it keeps me honest!! I have target dates built in to each debt, but if I'm a little off I've decided I am not going to beat myself up. This is about making myself feel better, not worse.
    Thanks so much everyone for your warm welcomes!!!
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  8. 02-21-2006, 10:37 PM #8
    jzkitten
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    Hello and welcome to FV. You couldn't find a more warm and helpful place!
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  9. 02-22-2006, 01:01 AM #9
    Julia Kimber
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    Hi and welcome! Glad to have you here!

    Julia
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  10. 02-22-2006, 03:29 AM #10
    SewCrafty
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    Hi Lady Di, welcome to the village!
    ~~ Dee ~~
    8 Years Cancer FREE!
    25 July 2003


    Married to my sweetie, Jack 25 yrs.

    Mama to 27 furbaby 'Katz' (as my hubby calls them LOL)
    Nicky, Snowy, Olga, Ralphie, Sidney, Oliver, Fonz, Audra, Hoss, Peanut, Madeline, Tigger, Alice, Poppy,Teddy Bear, Mittens, Conan, Sherman, Trapper, Radar, Maxie, Annie, Rocky, Kali (AKA P.I.T.A), Jethro, Chewy Lewy, and Chance!

    Don't forget to do self examinations monthly and have regular mammograms!
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  11. 02-22-2006, 06:33 AM #11
    QuilterMom
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    Welcome to FV!
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  12. 02-22-2006, 07:13 AM #12
    Darlene
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    Welcome to the Village!
    You are right, it's never too late to exchange a bad habit for one that makes you stronger, happier and in control.
    ~*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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  13. 02-22-2006, 11:28 AM #13
    Pepper
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    Welcome to FV
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  14. 02-22-2006, 11:57 AM #14
    webjoba
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    to the village ladydi
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  15. 02-22-2006, 12:30 PM #15
    Emerald_Mommy
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    to FV!
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