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  1. Question and Answer
    Greetings, I am quite new to this forum being that I just signed up a couple of minutes ago. I am on here to ask about any long term investment strategies I can execute for the next couple of years of my life. Recently, I have read Dave Ramsey's Complete Guide to Money Makeover, and there he...
  2. Dave Ramsey
    Hello! I'm new here and new to DR. I heard about DR from my brother and his wife and have gotten excited about paying off our debt (dh is not exactly excited, but on board). We have $31k in debt that includes a car and student loans. Technically we have a savings account with $17k in it, but...
  3. General Chat
    Hello. I am a single mother of a soon to be 11 year old son. I work full time at an insurance company and while wanting to go back to school (since having my son, I've tried it several times, but either life issues happened...I got breast cancer or my father died...or since buying my house, just...
  4. Debt Reduction & Money Management
    Hello everyone! I am trying to figure out which I should do. I am going back to work soon and it will be much needed money. We would like to move from this house by the time my kids are in school because we are not in a good district now. It will be 3-4 years from now when my oldest two (twins)...
  5. Debt Reduction & Money Management
    I was reading some of the stories posted on Occupy Student Debt. I noticed that quite a few stories went like this: 1) Went to school first time, racked up some debt. 2) Started paying it off and got laid off/employer insisted on higher credential without paying for it. 3) Student went back to...
  6. Debt Reduction & Money Management
    I had a question I think I know the answer too but I'd like to hear other people's thoughts: You can see the info on my debt snowball below. I make about $46k a year and I will for about 2.5 more years, then I'll go up to $300-350k per year (most likely). Which means the next couple of years...
  7. Debt Reduction & Money Management
    Hey everyone, I was wondering if I could get some advice as to my budget plans for my future. I'd appreciate pretty much anything you can share with me, both negative and positive, as I'm still young and not as experienced. Just a heads up though, this turned out to be a much longer post than I...
  8. Dave Ramsey
    I have relocated for work and they offered a lot of relocation benefits. One of these is paid closing costs for the purchase of a new home. My wife and I still have about 63,000 in student loan debt. (60K of this is hers, 3K is mine, which we will pay off in about 10 days) With rates on 15 yr...
  9. Dave Ramsey
    And actually, his parents were the ones paying it - so we paid if off for them (they're retired and really need all the income they can keep). :D It is so nice to be able to help them out! No debt of our own meant we had the means to get 'er done. Woo-hoo! Sure hope they love their...
  10. Financial hardship
    Before you read, I'm hardly considered a hardship. More like I'm going to be in a pickle VERY soon and am interested in some savvy financial advice :). I've recently been put in a jam financially and am wondering how I'm going to pay all my bills the best way possible. I'm sure some of you...
  11. General Chat
    After hearing about private school dollar amount for tuition I was curious how much money it takes for public school I found some 2006-2007 school year numbers Of All States, New York's Schools Spend Most Money Per Pupil - NYTimes.com per pupil varied by state ranging from mid $5,000 to...
  12. Debt Reduction & Money Management
    Hi everyone ~ My dh and I fortunately do not have student loans. However, it is very unlikely we will be able to pay for our kids' college.... we are going to save but there's no way we can save ALL of the expected amount for tuition..... SO... unless they get scholarships or work before...
  13. Debt Reduction & Money Management
    My mom has tried to tell me that most of my tax refunds are coming from my student loans so I should not try hard to pay them off. I am thinking this is not true. However out of curiousity I wonder .. is it better to pay them off quicker or not. I have my loans with Sallie Mae which...
  14. Dave Ramsey
    Woo-hoo! One down, one SL and car payment to go! Well, the car payment was going to be paid off today, too, but I had it on automatic withdrawal on my bank's billpay and didn't know it wouldn't let me cancel that. <roll> So that'll get done either tomorrow or Monday, once I know that payment...
  15. Debt Reduction & Money Management
    You may not even GET a job: Educated, Unemployed and Frustrated
  16. Dave Ramsey
    Hi there, I am new to this forum. I recently read The Total Money Makeover. I am current on all bills and have my $1,000 emergency fund. I am now looking for some advice regarding what to do about the debt snowball as it relates to my student loan debt. I have about $130,000 in student loan...
  17. Success Stories
    Yay! I sent the final payment on my student loan yesterday. The darn thing had been around for years and was almost like a hungry puppy following me. The last loan in for my car. I hope to get that paid off in one year.
  18. Dave Ramsey
    Hey friends, I have a precarious situation that has a lot involved so this is a deeper decision than normal and need some advice from fellow Dave Ramsey enthusiasts! I have $16,000 in savings. This is comprised of an $8,000 tax credit from condo I purchased last year, $4,000 sign-on bonus of...
  19. Debt Reduction & Money Management
    Total Student loan debt: $82,000 $22,000 in Federal loans at 7% so I cannot consolidate to a lower rate, therefore will continue to make payments as is. Federal rules are, balance needs to be $30k+ to extend payment terms. So I cannot extend the terms and get a lower monthly payment to make...
  20. Dave Ramsey
    I am so excited. I just paid my LAST student loan payment online :) I paid off over $18,000. I'm so freaking happy! We are now debt free except for the house! Money is still tight because I am paying for grad school as I go but I am sooooo relieved!
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