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  1. Dave Ramsey
    Hey all, New to the forum. I just finished reading the TMMO book and it absolutely changed my outlook on money and it really put things into perspective. My wife and I make decent money but we spend way too much money on frivolous items. We have about 40K in debt not counting our home mortgage...
  2. Green Living
    As we get older and our kids move on with their lives having a large inefficient house with too much room and more expensive to run appliances just doesn't make much sense. I made the leap to go off-grid in a small 14x14 cabin and left behind the big house, pool, 4 car garage and debt, bills and...
  3. Debt Reduction & Money Management
    Neither DH nor I has life insurance. We don't have children. We are renters and don't have any major debt (just a car payment that will be finished in a few years). I have him as the beneficiary on my retirement accounts. Do you think it's a mistake not to have it? His health is...
  4. General Chat
    Sorry this may turn long but what an interesting weekend! The kind weekend where the bottom of your belly is excited yet sick! We have somewhat been looking into getting a newer place to live since we are growing out of our home (technically we have 2 bedroom home considering my youngest...
  5. General Chat
    Have you thought about it? It's probably inevitable. Now what? What are you going to be doing differently? I guess I will pretty much give up all driving but to pick up necessities. Heck, I don't know, if the way prices keep going up if we will be able to afford even the necessities...
  6. General Chat
    what should I do? I have been waiting nine and a half years to get my life back in order, so this decision doesn't come lightly, nor should it. I have two school-aged children, one with autism and one without. I have been wanting a direction in my life aside from my kids because when they get...
  7. Multi-generational/multifamily
    The in-laws on my MIL's side of the family are having a royal family feud. Grandma has dementia and hoarding. Two kids live near her. The other four are a minimum of 3 hours away. Mental illness of varying degrees run through this family. Accusations of abuse, theft, even poisoning are being...
  8. Debt Reduction & Money Management
    In 2005, my auto insurance provider told me that it would save me money to get life insurance through them (it was aprx $180/mth for auto alone or $175 for auto & life insurance together.) When purchasing a home a few months ago, I (lazily) opted to go with them for home insurance as well...
  9. General Chat
    Yesterday was a very hard and emotional day, but we did it. The flowers, pictures, and mementos were all done so fantasctically awesome. I think that my sister would 1) be pissed we spent so much time/money on "remembering" her, and 2) would have been pleased as peas with what we did do. There...
  10. General Chat
    Was sleeping well, when suddenly our fire alarm went off at 2.30 am. Our alarm is so loud that you could almost become deaf hearing it in close proximity so we just about literally jumped out of bed. We have the same alarm as for burglars but instead of it being a constant sound it is...
  11. Debt Reduction & Money Management
    I paid the remaining balance of my auto insurance in full, rather than do installments. We are now paid up through April!! I probably spent a small fortune in installment fees, and had my insurance cancelled accidentally once when I was one day late in paying. I feel so...responsible! Now, to...
  12. Debt Reduction & Money Management
    I'd like to learn as much as I can before I call someone to be advised on life insurance. I'm looking for an amount to pay off the mortgage and to leave money behind for final expenses and such. What confuses me is the term, guaranteed life, permanent life, etc... part of it. Is there a really...
  13. Support
    I posted part of this story elsewhere but I know that there's really good support in this forum so I'm posting here with more details. DH has always been a very happy and laid-back person who doesn't let things get to him, until recently. His salary was reduced (stepped-down many times) to...
  14. Utilities
    I think I have some irrational fears or something. LOL We have tons of roll over minutes, unlimited texting, lots of friends have [email protected] like we do, so it's free minutes. The teens mostly text anyway. If I drop my land line I could save around 30ish a month. The net would be 40.00 plus tax. What...
  15. Homesteading and gardening
    An Overview of the five varieties and 17 sub-varieties of Garlic A good read about garlic. This is the result of modern research classifying garlic.
  16. General Chat
    Have you ever flipped through the channels and caught a bunch of people screaming on the TV about who the father of some poor innocent baby is? I never thought I would be involved in such a thing, but thanks to my departed ex-husband, I find myself refereeing the Canadian version of the show...
  17. Homesteading and gardening
    It's been an exciting couple days for the bunnies. One of the things I do for them is grow seed. Yesterday the first of the sunflowers was ready to harvest so I split it between the boys. You can see in that pic that Mittens little forehead hair was thinning. That is a sign that they are...
  18. 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...
  19. Debt Reduction & Money Management
    I'm not sure I have heard the answer to this and we do have life insurance. Lets say something happens to dh and I receive the money. Our house (loan) is in his name only(my name is on the deed) and he has a little more debt in his name only. If I don't want to keep the house...can they come...
  20. General Chat
    Just curious to see what members here at FV think there life would be like if they were not frugal. Many members have been here for a long time. Being frugal has just become second nature. Many of us are here because we were buried under debt and living beyond our means. Lots of members have...
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