Frugal Village Forums banner

debt

  1. Dave Ramsey
    Our household income is $250k a year. I’m 32. Husband is 38. We have car loans of $65k between two vehicles with no other debts. We have about $1000 left each month after savings (ours and kids college), 401k, and all other expenses. Would Dave Ramsey suggest we sell our cars?
  2. Debt Reduction & Money Management
    Hi there everyone :) New poster here and relatively new listener to the Dave Ramsey show. My husband and I have been starting our journey to get out of debt but we have run into a slight...predicament that we would really love some advice. I was accepted to medical school (starting July...
  3. General Chat
    Today, I tried to make a deal with the collection agency that is handling my debt with the department of education. Watch the video and see whether I made a deal or no deal.
  4. New Member Introductions
    Hi, I am Manuel! I am new to this forum and I'd like to know what is the hardest thing you have to deal with related to money management? Personnaly, it's was to admit to myself that I was not really good at it (I was in trouble) and even still today I have to be really disciplined to use my...
  5. Debt Reduction & Money Management
    Hey everyone, I'm new here... I found this site and figured this seemed like a pretty good place to check out! I have a couple questions, and I am hoping you guys can help me out. My wife and I have some debt between the two of us. All of it combined, minus student loans, which by themselves...
  6. General Chat
    Ok, so I paid off house and I've dedicated myself to living debt-free lifestyle from now on. Now comes the tricky part: Retirement. I have to admit that I am a big follower of Dave Ramsey, but there is one part that I don't follow him on: Investing. My problem is that I actually don't want...
  7. Dave Ramsey
    Hey all, So my wife file chapter 13 about 3 years ago and we are in the process of the payment plan as mandated by the bankruptcy court. Since then I purchased a car for her, the note is in my name so is the car, she is on the insurance. Since the bankruptcy we have been working very hard to...
  8. General Chat
    Or rather than dedicated enough. Maybe crazy enough? Stupid enough?! Either way, there has been some interest in the fact that I have a tattoo that proclaims my debt-free status This was when I paid off my credit card debt in 2008. It says Debt-Free 2008. Right under that it says "Galveston...
  9. Dave Ramsey
    I posted this in another section, but it was suggested this might be a better spot to post it. I am new here and am trying to help my significant other with his debt situation. Most, if not all of the debts, are in collections. Some have been sold/transferred more than once. All of them are...
  10. Debt Reduction & Money Management
    I am new here and am trying to help my significant other with his debt situation. Most, if not all of the debts, are in collections. Some have been sold/transferred more than once. All of them are from the last 4 years after going through a divorce and some personal issues. How is the best way...
  11. Success Stories
    Just made the last payment on my Advanta card!!! It was one that had a fixed monthly payment plan. I do have one card - an Orchard bank with a $300 limit. I use that for online purchases and pay that off every week. I figure that since I don't pay interest on it and have the money to pay it...
  12. Money challenges
    The challenge is to find a new way to save money or make money to add to your debt payments. A month ago I decided to apply for a line of credit because those are usually lower then credit cards interest rates. I was approved at 8% compared to my Visa's 11%. So I transfered the ballance from...
  13. Success Stories
    I just dropped the last payment into the mailbox and am now debt free including my house!! This is a dream come true--a goal I've wanted to reach for years but could not "get it done" until I learned of a man named Dave Ramsey from co-workers in 2008. Two months later, I wrote down my first...
  14. Debt Reduction & Money Management
    Hello all, First time poster. I want to grow up and get rid of my debt. I don't know where to start. I feel like the debt collectors are going to screw me over. I am about 12k in debt with the majority of it being in a repo'd car. I don't own any property. Should I contact a lawyer about...
  15. Money challenges
    I have been following DR to get out of debt and am so thankful to have started this program when I did. I was projected t0 be out of Debt around April 2015. However I have learned so much and have become so frugal I truly bbeleive I can do this by April 2014. We will be out of debt except the...
  16. Success Stories
    My wife and I have been following Dave Ramsey's baby steps since the beginning of last year. We were on track to pay off our debts by the end of this year. Now with a larger than expected tax refund, we are going to be able to pay it off THIS MONTH, as soon as the refund comes in. I have already...
  17. Money challenges
    I've started this thread for anyone who has made a goal to pay off a certain debt(s) by the last day of the year to keep us focused, to aid and add encouragement and to allow us to toot our own horn as we get closer to our personal goals.:clap: There are no rules here. We aren't following D...
  18. Debt Reduction & Money Management
    Whew the admitting is over. The past 2yrs hubby's income has gone up but so has our debt. I guess we both are to blame but feel I deserve most of it. I stay home so my job is managing our money for the best value. Due to health and depression issues I fell completely off the frugal wagon. On...
  19. Dave Ramsey
    I am going thru Step 2 - Debt Snowball - and have a quick question. Here are my debts: 150 - Medical Bill 160 - Medical Bill 237 - Medical Bill 160 - Medical Bill 237 - Medical Bill 500 - Medical Bill 572 - Medical Bill 643 - Visa 959 - Gap 2960 - Medical Bill 3679 - Medical Bill 7000 -...
  20. Debt Reduction & Money Management
    Hey everyone, I found FV a couple of weeks ago and have been digging through archives ever since. I can't believe the wealth of knowledge and support I've found! I've finally decided to post, in hopes of having some accountability, a place to post successes, and my budgets so that you can...
Top