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  1. 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...
  2. Money challenges
    Total budgeted income for 2012 unless dh gets disability....will be 27,670 monthly payments mortgage is 450.00, it is 442.00 however i will be paying 450.00 as it is easier that way.... internet is 40.00 a month electricity is 180.00 a month phone (we have net10 phones so trying to figure out...
  3. Dave Ramsey
    Good evening everyone! I'm very happy to be here and this is my first post. I've been listening to DR since July of 2009 and been hooked ever since! I started out with over $100,000 of debt. This includes $80,000 in student loan debt, $22,000 for my brand new car loan, and over $5,000 in...
  4. General Chat
    I hope it is okay to share this video link. Sophia is the youngest daughter of some dear friends of mine. Although she is still profoundly disabled, and unable to walk or speak, Sophia has come a long way these past three years, proving her doctors wrong. Far from the vegetable they called...
  5. Simple Living
    I am starting a new chapter in my life starting June 1st; my mom said that she is going to join me. Part of it is about simplifying my life and being very frugal and learning to live with less. I have decided for a year I will not buy magazines, newspapers, and books. For clothing if it is...
  6. Debt Reduction & Money Management
    Hi everyone, Well, maybe I've already taken baby steps already in some ways, certainly find this forum is one step, for sure.... I hope to make this forum my online home to come to as I proceed with facing the ugly truth about my debt. Not even sure where to begin here in telling my story...
  7. Food challenges
    I have been acting like I have been eating out of my pantry and freezer for months now. You would think eventually I would make some progress. Well, no because I am addicted to shopping-just grocery store shopping. We have a freezer so full I can barely close it. We had to buy a new shelf for...
  8. Goals and Dreams
    I have always been somewhat frugal. When I was a kid I remember thinking that I didn't want to do like my parents and borrow money from the bank to buy a car or other things that can be saved for. But when me and my husband bought our house we didn't have enough money to buy furniture so we did...
  9. Green Living
    We got our new recycling bins on Friday! I just about did a jig in the driveway. :lol: The collection starts around June 30th, but the bin is already almost full! I'm still trying to sucker DH into letting me have a composter, but he's not sure how well it'll go since our garden is pretty...
  10. Success Stories
    Thought i would put something in here where i could ramble about my progress with paying down my naughty debt. In the last few weeks i have really gotten into watching Till Debt Do us Part and it got me thinking about my own situation and how to make my money work for me. So i restructured my...
  11. Success Stories
    I wanted to start this thread for all of us to share our accomplishments (big or small) now that another year is coming to an end. I want to give thanks for this site and the encouragement it gave me and continues to give me to make better choices in my life. This is the first community I ever...
  12. Simple Living
    If it's within the rules here, I am going to start this post as a journal of sorts. My only internet access is through occasionally using my husband's BlackBerry, so using a blogging site was proving to be a little tedious. Anyhow, I've always wanted to live a more simple life. Minimalistic...
  13. Just Tips
    What are the changes you made when you started your frugal journey. Here are a few I have made. - Hanging clothes even in the winter I hang them in the house. - We try to have at least 1 meatless meal a week - Meatless Monday. - Made a rain barrel to water my garden this year. Can't wait to see...
  14. General Chat
    I found this very short little video quite profound:
  15. Success Stories
    Quote: Originally Posted by TheRootedNomad 3 years ago this past July we had: ~ no EF ~ over $11,000 in non-morgage debt ~ one functionung vehicle ~ still owed aprox 23 years (no extra being paid) on a 30 year morg. ~ 6% going into DH's 401 Now: ~ very comfortable 4 month EF if we both lose...
  16. Community sites
    Come check it out and see what's happening in Jean's life! Be inspired and motivated on your frugal and creative journey.
  17. Freebies
    Free Journey of Hope DVD, Journal, Pen Booklets click on sign up today or log in right side http://journeyofhope.24ex.com/
  18. Find Your Kith
    i just heard thier new song on the radio and it sounds like thier old stuff. the new cd comes out next week (june 3rd). the lead singer arnel got really lucky that neal liked what he heard on youtube.
  19. Success Stories
    I just wanted to take a few minutes to remind everyone to make a real effort in finding things to celebrate as you make your way toward your frugal goals. It doesn't have to be a major milestone to find cause celebrate. For instance if you pay off a small debt.....cook a nice dinner, mark it on...
  20. DIY
    So, the BF and I live in a big giant house with a $2,000 mortgage. (He bought it before I came along!) The house has been on the market for 9 months. It's a lovely house but it's right in the price range that's not selling where we live. In my opinion, it needed a lot of updating, but I've...
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