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  1. 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...
  2. Homesteading and gardening
    This is an excellent website...I subscribe to it on Facebook..this was a good article I thought I'd share. Tons of articles and good reading on many levels 6 Steps to Productive Peppers: Organic Gardening
  3. Coupons
    products, either tp, towels, or napkins. "Like" Marcal small steps on facebook and use the coupons.com printer to print it out. My coupon expires 1 month from the day I printed it. Judi
  4. Simple Living
    I have been looking at the "stressors" in my life. Debt - We are working at paying down our debt and we are not incurring new debt at this time. Having a plan in place makes life much less stressful. Mail/Paper/Email - Having piles of paperwork and whatnot around is very stressful. I am...
  5. Dave Ramsey
    well we came up with a resolution to the tax issue which i am sure is the the best way to go in Daves eyes and as much as i try to follow the rules and respect what he has to say - he doesnt have the chronic medical issues i have that are actually what took us from being free...
  6. Financial hardship
    I am getting a TON of phone calls looking for my husband's ex-wife. They have been divorced for over twenty years and she is now on husband #4. We know her address, but not her phone number. These companies have her address and phone number. She is just ignoring them. She is a scheming...
  7. Just Tips
    Considering I do all those things and still have acne at 51.....yeah, there's other factors involved, obviously. Like heredity. I get really tired of hearing that acne is something that I'm *causing*.
  8. Success Stories
    We paid off 2 more small bills. It was suppose to be 3 but the weed eater died. Our town has a $100 fee per day after notice if the grass is not cut. So I figured it was better to direct some of the money away from BS#2. I also got a call from a collection agency about a 3yo bill. It was...
  9. Question and Answer
    Hi everyone, A little about me: I am in my late 50's, have a steady job, and own my own home (no mortgage!). I was largely unemployed for 2007-2009, during which I only worked temp jobs as I was able to find them.... sigh, not a fun time! I am working now, and am trying to become debt-free...
  10. Health challenges
    This is my challenge to myself this month. I've put on quite a bit of weight in the past few months so this should keep me active. Sitting all day at work doesn't help at all! My pedometer will keep me accountable, since I wear it all waking hours. Anyone else in?
  11. Debt Reduction & Money Management
    This is a good article explaining what "toxic debt" is and how to get rid of it: http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/6-steps-to-dumping-toxic-debt.aspx?GT1=33009 Some debts really are worse than others.
  12. General Chat
    Do you ever feel like you are beating your head against a wall? I don't know if it's just the up coming holidays or the economy let down or what, but I have been really depressed lately. It seems as if the more we pay towards our debt the more things come up that costs us money. For instance...
  13. Homesteading and gardening
    Today i hit the jack pot!!!! I have been watching the fruit trees at lowes and last week they were 25% off this week they were 50% off. Well i decided to go inside and ask when they thought the trees would go to 75% off. Manager said probably this weekend BUT i would let you get any trees that...
  14. Dave Ramsey
    Looking at the baby steps is discouraging to me and I'll tell you why. Well, first let me list them (got this from another thread): BS1: baby emergency fund BS2: snowball to debt pay-off BS3: 3-6 months emergency fund for exepenses only BS4: 15% retirement BS5: college fund BS6: early mortgage...
  15. Dave Ramsey
    Taken from Greebo's post on the baby steps: Ok we know Dave has a financial plan for us following 7 basic steps. However there are a few things "left out" if you did not attend FPU. So here goes the "expanded" baby steps. Feel free to correct anything I missed or that may be in the wrong order...
  16. Dave Ramsey
    Credit where credit is due - this is taken from the MyTotalMoneyMakeover forums, posted by 54regcab
  17. Question and Answer
    I read these baby steps in another thread and I have questions about baby steps 4-6 baby step 0.5 stop using credit cards (DONE) baby step 1 baby emergency fund 1000 dollars (DONE) baby step 2 snowball debts (DONE) bab step 3 3-6 months of take home pay or expenses (add mary hunt's idea of...
  18. General Chat
    he was going down the steps backwards and lost his footing on the last step. hit his head and scraped his elbow. his head bled a little bit. i didnt find any small stones in the wound. he just cried for a couple of mins and is playing in here fine. he didnt seem out of it or dizzy. jase is going...
  19. Health and beauty
    http://www.naturalnews.com/z023540.html (NaturalNews) Did you know that osteoporosis affects men as well as women? While nearly 8 million women in the United States are currently diagnosed with osteoporosis, an additional 2 million men suffer from the disease as well. The good news is that...
  20. General Chat
    With the way gas prices are going up and everything else, I was just wondering if anyone was doing some extra money saving things or cutting back on some others!!! Just today, I took inventory of our fridge and freezer and have deceided that I have enough stuff to make about 10 extra meals this...
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