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  1. Dave Ramsey
    I should have my tmmo book today, I am so excited I feel like I am going to Burst! Andrew (boyfriend) said he would read it and he is backing me up on getting my baby emergency fund in place. I am extra excited because once we go over tmmo together things are going to pick up even more quickly...
  2. Family
    She's 81. Besides her husband dying a few weeks ago, she has been getting a little confused lately. She was stopped by one of her sons from packing to go 'to the lake' (cottage) a couple of months ago. They haven't had a cottage in over 20 years. Doesn't always recognize people she knew...
  3. Freebies
    https://catalog.niddk.nih.gov/detail.cfm?ID=1018&CH=NDIC This music CD helps African Americans incorporate more physical activity into their lives. It features three original songs with empowering messages that urge listeners to move more. Three songs from the popular Movimiento music CD also...
  4. General Chat
    So we finally got our taxes done and low and behold... we got something back. :o First time in years. We've always had to pay. But somehow my hubby's coworker found everything she could to get us something back this year. Yay!!! With the return was able to pay off the hubby's small...
  5. 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...
  6. General Chat
    I've slowly been retiring. For some folks, retirement is a one time thing: today I work, tomorrow I don't. But for me, retirement came in increments. I loved being a teacher, and taught at one level or another, in one place or another, in some shape or another for 40 years! Yep, started in...
  7. Dave Ramsey
    I haven't read the book or taken the class yet, so this may be addressed somewhere else too . . . If I have $2000 this month that I can put towards the "project", what are the thoughts on having a baby emergency fund of $1000 and putting the extra $1000 towards snowballing versus having a...
  8. Dave Ramsey
    ~Just curious how many of us are paying down the mortgage. ;) We're no-cost refinancing our 30 year(19.75 years left)to a 15 year. We'll pay $50 more but save $35 a month in interest. And obviously we're making extra principle payments. Who's with me? How many years do you have left(on paper)...
  9. Dave Ramsey
    Luckily we started this at just the right time. just got our tax return and now have no debt but the house, but here is the dilemma. i am a firefighter and have alot of time for another full time job (which i MUST have bc my wife stays home) i am looking at starting a lawncare business and...
  10. Sewing
    My 5 year old is already asking me to help her learn how to sew. She can thread a needle sometimes, and is doing random stitching in burp clothes or old rags to practice. I hope it is something she is willing to stick to and learn. It will save her in the long run and give her a skill that will...
  11. General Chat
    :shrug2: I think that should be at the top of the "rule" list when trying to give helpful frugal advice. I've been reading a lot on the net. I love reading and gathering up frugal and money saving tips. One thing I've noticed is there are those that ask for advice and the minute people start...
  12. Success Stories
    We reached Step 7 of the Dave Ramsey plan a little over a year ago. We have no debt (including no mortgage), put over 15% in retirement, and continue to contribute to healthy college funds for our 3 boys. Since reaching step 7 we have continued to live frugally, essentially we try to live on...
  13. Debt Reduction & Money Management
    Yesterday I paid off my Best Buy Card!:clap: It was only used to purchase my laptop for work a few years ago and I never used it again, but I had been carrying a balance and paying the minimum because...dunno. :shrug2: So I was re-reading a post from January when I was discussing how I intended...
  14. Success Stories
    As of the end of Feb we have paid off: 15k in credit card debt 21k of student loan debt We now have no debt but our house! We are currently working on 10k in the bank, retirement, and then working off our house. It can be done folks! Keep your chin up and keep plucking away!
  15. Dave Ramsey
    I just started to listen to DR's radio program. I'd like to follow the baby steps, but I'm not sure how to break down my debt. Last July we consolidated our debt. We have $41,000 in a HELOC at 3.25%. That represents a car, over run from a wedding and honeymoney and a remodeling project on our house.
  16. Success Stories
    Received tax return this morning and paid off a credit card that was just under $4,000. Putting the difference between cc and tax return in the bank, its only $100, but its my baby step towards an EF. I should feel elated but I don't. I wanna use the card. I wanna I wanna I wanna....... Now...
  17. Debt Reduction & Money Management
    One step forward and two steps backwards square dance with the MURPHY as my partner. We were making great strids of getting out of debt and then it all hits at once. May DD hit a deer with my jeep ($4,000.00) damage with have a $500.00 deductible. A week latter my DH husband truck broke down we...
  18. General Chat
    So I have a lot of CC debt (ab $14K) mostly from when I was married and when I was in school. I was young and stupid, I know. I've had the best intentions to pay off my CC's, but I never seem to be able to hang on to the extra little bit of $ each month. Well I just opened an ING savings...
  19. Dave Ramsey
    Hello, We are about to sell our home in Minnesota (we moved to Missouri), and after the sale, we will be at Baby Step 4. We will have about $25,000 in excess cash after reserving money for a fully funded emergency fund, car and home repair accounts, and cash for a new (used) car. We are...
  20. Home Environment
    So, as most of you know, I'm the mad declutterer. I don't hang on to stuff and love to donate, sell and toss. I don't collect stuff and definitely don't do knick-knacks. However, I have books. Lots of them. Yet, the more I look at them, the more I realize that there are only some that I'm...
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