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  1. Dave Ramsey
    Seriously can't stand the idea that we started with our "plan" to attack debt 1/1/11 and to date have incurred $3000 more in new medical bills, $1900+ to replace the house roof, and a $650 vet bill. Then my husband incurred a $200+ speeding ticket OMG GRRR! Just as we were getting started back...
  2. Debt Reduction & Money Management
    I've been reading through these forums and also the Dave Ramsey TMMO forum (used my free week) and I wanted to jump in and introduce myself. I'm hoping to be inspired to become more gazelle in my approach, but I struggle with balancing gazelle intensity with some strong wants in my life. I...
  3. Dave Ramsey
    Does anyone use DR's budget software? Is it worth it? What value does it add that I can't do myself in Excel (or is significantly easier than Excel)? I wish I could just buy the software and use it indefinitely, rather than a monthly/annual membership to the website that I'd continually have...
  4. Dave Ramsey
    I'm curious how others got Gazelle Intense. What did you give up that you never thought possible, or the craziest or most creative thing you did. Thanks!
  5. Dave Ramsey
    Just tallied my records- after a check is sent out tomorrow, paid out $2900+ in debt reduction- OVER the 'usual' monthly payments. Big business boom for my hubby's shop the last few months has helped, but FEELS GREAT to see the progress- just over $2k left to pay on my husband's subaru wagon, we...
  6. Dave Ramsey
    We just had our gazelle class last night. How great was that?! I'm pumped to get gazelle-like now! My question for all of you: What did you sell off and how did you sell it? I have a lot of books I can sell thru half.com. We could have a garage sale, but it's kind of not garage sale "season"...
  7. Dave Ramsey
    Alrighty then! This weekend I had some downtime and figured now was a good time to start the process of becoming more responsible with my money- knowing where things are going, watching my spending, and being committed to paying off debt with the eventual goal of learning more about retirement...
  8. Dave Ramsey
    I need to have a little accountability as I do not answer to anyone as to how I spend my money. I need to account to someone so I hope you all won't mind if I account to you. I have been on a strictly cash bases since Jan 2008 and I currently have saved my $1000 EF again. In Jan 2008 I...
  9. Dave Ramsey
    I'm not sure if this fits under gazelle intensity, but I want to divert my grocery budget this month to debt repayment. Last week, I took 10 pocketbooks of the "about 500" books I own to a used bookstore and got $12.00. My kitchen is full of the basics, so my plan for the next month is that...
  10. Money Articles
    My dh and I are "gazelle-intense" on killing his old CC debt. It's almost gone - the way we figure it, the last payment will be a very small payment in February. After that date, we'll take all of the money we've been paying toward debt and direct it toward an adoption fund for our first...
  11. Frugal Living
    Yesterday, dh got word that the company he works for has shut down a plant in Eastern canada!! This is very scary! HIs plant has their operating budget for next year and they are currently profitable, the other wasn't. I am terrified! I asked him a couple weeks ago if he had back up plan, he...
  12. Debt Reduction & Money Management
    and I think it was a serious wakeup call for him. Last night while I was asleep he decided to figure out our current $$ situation since we got our federal check. We were behind on some of our bills and will have to use our entire check to get back on track, plus pay off some bills-such as the...
  13. Health and beauty
    I have a gazelle. Does anyone else? Do you like yours? I bought mine from my sil for $50. I really like it. But, of course, I have to make myself work out. It's not the machine, but me.
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