Hello!!
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Thread: Hello!!

  1. #1

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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

  2. #2
    Master Dollar Stretcher madhen's Avatar
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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/)

    Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe

  3. #3

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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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  5. #4

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    Welcome to the Village Ladydi

  6. #5
    Registered User FrugalMomof3's Avatar
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    Welcome to the Village Ladydi!

    Seems like your already on the right track... WTG!

  7. #6

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    Welcome you will get tons of wonderful ideas and tips. Most of all you will make some wonderful friends.

  8. #7

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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!!!

  9. #8
    Registered User jzkitten's Avatar
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    Hello and welcome to FV. You couldn't find a more warm and helpful place!

  10. #9

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    Hi and welcome! Glad to have you here!

    Julia

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    Registered User SewCrafty's Avatar
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    Hi Lady Di, welcome to the village!

  12. #11

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    Welcome to FV!

  13. #12
    Member Darlene's Avatar
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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.




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    Welcome to FV

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    to the village ladydi

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    to FV!

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