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  1. Dave Ramsey
    Hello! Newb to the forums and loving it so far. This is my first post and I'm just starting Dave Ramsey's Total Money Makeover. I'd appreciate your advice on the following. My automotive insurance renews next month. My budget has enough to pay the full six month premium with just over $100 to...
  2. General Chat
    I am a couponer (manufacturer, e-coupons, printable, etc) and I match coupons to weekly sales at the grocery store. Our household consists of myself, my husband, an 8 year old son and 6 year old daughter. While I know that couponing saves me tons each week (I average 32% savings each week), I...
  3. Dave Ramsey
    I am new to Dave Ramsey and am working on setting up my monthly budget. I have the financal peace personal software and input my income before taxes. Now when I go to input expenses, I don't see where to account for what I pay in taxes. I can add this as a category but knowing this is a...
  4. General Chat
    for errors and/or to find ways to cut costs? About a year ago I decided to "simplify" my life by signing up for automatic payment for all my bills. Lately, I have realized that due to this, I have become complacent in reviewing my bills for errors and ways to cut costs and other than putting the...
  5. Dave Ramsey
    Just starting TMMO. Thought Baby EF was the beginning, but can't seem to get current on everything. Paycheck behind (2 wks). If tithing will be $1000 to the negative a month. My husband working as much OT as he can. I had surgery,but go back to work this week. $55000 CC debt (medical loss on...
  6. Success Stories
    I am thrilled!! Last year we tried to trade it in and downsize and the offer we got to trade it in was only 9 thousand. We've been checking around on and off and we also heard that trucks have gone up in value. (it was a 2006 Chevy 4x4 and super low millage) A car dealership gave us a trade in...
  7. Debt Reduction & Money Management
    I'm looking to buy a house within the next few months. I had to do some calculations and such to figure out how much I could afford. After bills are paid (and I always allot myself $100 a month for fun money), I have about $230 leftover that will be placed into my savings account at the end of...
  8. Dave Ramsey
    My husband just went from being paid monthly , the last working day of the month to being paid bi-monthly. The last working day and the biz day closest to the 15th of the month. This is the first time in our marriage this has been the case. I'm also a freelancer and make varied amounts...
  9. Debt Reduction & Money Management
    I really hope someone can answer or offer advise asap ... I'm working on a budget - needed to redo everything and start from scratch. My question is dh and I both get paid biweekly (same week) and have 1 child tax cheque each month. We pay our mortgage biweekly. So my question is, I have...
  10. Leisure challenges
    Sew, Quilt, knit, crochet, whatever you like to do. Join your FV friends all over the internet the first weekend of each month. It'll kick off your sewing for the month or allow you to finish up last month's ufos! Starts on Friday the first weekend of the month and runs through that Sunday...
  11. Debt Reduction & Money Management
    I sat down tonight and got it together with DH. Any advice or anything you think needs adjestment please let me know :) 3200- take home pay -1005 Rent 25 pet fee 115 electric 150 cable, internet, phone 400 groceries including pets, hba, and getting stockpile back up 100 eating out (this can...
  12. Debt Reduction & Money Management
    i just went over my 2009 expenditures to reflect reality for the new year 2010. I added up all grocery trips and discovered that i was spending 383 per month, not the budgeted 350. So now the line item is 400 and includes food storage and the odd clearance walmart clothing item. I adjusted...
  13. Question and Answer
    I vaguely remember there was a thread that gave a listing of when the best time to buy something is buy month. Listings for clothing, appliances, food, etc. Does anyone have that link? Thank you.
  14. Meal planning
    I mostly plan dinners. Lunches are leftovers or sandwiches or spaghettio's from Aldi or whatever. Breakfast is cereal, oatmeal, pancakes, eggs, english muffins etc. We also have leftovers for dinner about 2x/month. BBQ Chicken, salt potatoes, corn on the cob Crockpot Creamy Italian Chicken, egg...
  15. Meal planning
    I originally posted this in my blog, but thought I'd post it here, too, to see if anyone else can help offer suggestions for future meals :) So here's my monthly mealplan, and let's hope I can stick to it. I got a little carried away today in my lunch hour, and decided to plan the next four...
  16. Meal planning
    I came across this article about menu planning and she has also posted her menu plan for the month of April. I found this inspiring... maybe someone else will as well. Spring Menu Plan
  17. Financial hardship
    Ok so I'm trying to figure out my budget once again to see where the leaks are etc. We get paid biweekly. To ensure I'm getting our income correct, as if I'm not it could really mess me up .... we both get paid biweekly (same week) .. so to get our monthly income I would take our biweekly pay x...
  18. Home Environment
    I am trying to compile a list of yearly, seasonal, monthly and daily maintaince to help keep things running in our house, with minimal replacing, etc. So far I have the following: Yealy- I don't really know what to put in this area Seasonal -checking and maintaing lawn mower and snow blower...
  19. General Chat
    http://online.wsj.com/article/SB123188348681178665.html
  20. Food challenges
    I was lookig for some sort of challenge ...not just baking I guess but filling your freezer sort of challenge. We could do OAMC each month and put some stuff in the freezer? LMK if anyone is interested?
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