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  1. Dave Ramsey
    I'm tired of just giving the minimum amount our church requires... I want to do more... what are some (inexpensive) ways that I can give to charity (and feel like I am making even a small difference) while in BS2? I do volunteer at a horse farm for special needs kids, but I feel like it doesn't...
  2. Dave Ramsey
    DH wants to skip it. It is a sleeping debt that he got before we were married. He wants to let it sleep and work on BS3. I want to get out of debt ASAP. What do you think is a good compromise? TIA
  3. Dave Ramsey
    My work will let me count 10 years of previous employment towards a pension if I pay in $10K. My question is do I count this as a debt in BS 2, or consider it part of BS 4? It's definitely worth it from an NPV standpoint so it's not an issue of if, but when. I'm eager to get out of BS 2 to...
  4. Dave Ramsey
    Second credits card is paid off! :cheer4: This leaves cards 3, 4 and 5 (in order of balance size) as the next lowest balances (and, once all gone, we are all paid off with store credit cards). Their interest rates are similar and their balances are within about 25% of each other, each around...
  5. Dave Ramsey
    I've been rounding up to the nearest $50 for the mortgage payments. Should I instead just round up to the nearest $10 and apply the difference to the BS2 snowball?
  6. Dave Ramsey
    We're now on baby step #2!!!! We've decided to modify the plan a little bit as well. First, we saved $1000, now we're on to paying off the credit cards. After thats done, we're going to save another $500 or $1000 (haven't decided yet), then move on to DH's student loan, then save another amount...
    bs2
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