Today, I saw a bumper sticker that said "I'm living like no one else" and had the address to the Dave Ramsey website. The car also had a sticker for my alma matter, Stanton. It was a nice reminder that I'm not in this alone. I'd love to get a Dave bumper sticker, but that's a no-go while I drive my dad's car. Ah, well, I'll just throw that dollar at my bills this month and get one in the future.
I decided it might be a good idea to do this to try and vent my frustrations while we are stuck in savings mode. We have medical bills to pay, dental bills to pay and a move that we are trying to make cost as little as possible for my father in law. Everyone kind of freaked when I explained how he is going to set Alex's pay based on what we need and how I felt like we had to follow the budget we made for him to get that number. I thought at first it was guilt because the business would be tak
That is the amount of consumer debt we hold today, July 21, 2011.
To me, that number is sobering. And it’s scary. It’s like the monster hiding under your bed or the boogie man in the closet scary. I don’t like being scared. Ask anyone who knows me, I don’t watch scary movies, I don’t like to read scary stories, I don’t do scared. I have to ask myself why I liked living a scary life.
The answer: Ignorance is bliss.
It wasn’t that long ago, that having debt wasn’t
As of tonight I'm done with class number 9 on my way to get my MBA in Accounting. Unless I did someting terrible on my final 2 assignments I'll be getting an A on this class too After this class I have 2 more undergrad pre-requisites, then 10 more graduate classes.
Also, today I had a meeting with an Accounting manager at work and after my camping vacation next month I'll be applying to some open entry level positions in one or more accounting functions. Hopefully very soon I'll be swit
Well, I am a software programmer in Las Vegas. I have lived somewhat beyond my means for the first 19 years of my Marriage. I have stellar credit as
evidenced by the $100,000 in available credit card limits that I had managed to amass by 'careful' management of my credit. What was I thinking! Fortunately,
most of my credit card capacity went unused. However, I did manage to amass $95,580 in student loans, credit cards and car loans. I also ran my Mortgage
up from $117,000 to $176,604 an
I hope everyone had a great 4th of July weekend! We enjoyed the day with some friends in the country. Which was great for my DD, but it was incredibly hot. Then we had another weekend in the country for DH's family reunion this past Saturday. It was really nice, hot again, but nice. It was on a farm with cows, chickens, a horse, and the most adorable yellow lab puppies. The puppies were the big hit of the reunion. DD and all her cousins were cuddling up to the eight puppies all day. And
P.O. Box 6500
Sioux Falls, SD 57117
Re: Closing account on Citi Master Card
Accnt# 9999 9999 9999 9999
Dear Sir or Madam:
This letter is my official notice that I will be closing my account 9999 9999 9999 9999 by the end of the month with Citi Cards.
I do have record that the account has had a $0.00 balance since October 2006.
To my knowledge, all my fiscal responsibilities with this credit card account have been fulfilled.
PO Box 6500
Sioux Falls, SD 57117
Attention: Account Representative
Subject: Accnt# ####-####-####
The purpose of this letter is to inform Citibank that I have implemented budgeting and debt repayment solutions.
Over the past 6 months, I have taken a careful look at my financial situation.
I have set up a budget for my living expenses and have developed a debt repayment program.
I have budgeted a minimum of $x per month to repay my Citibank debts,
So let's see.... many have already read the initial post on my old blog, so this is just a repeat of that, but for those new to the blogs..... here you go.
I am a SAHM to 5 kiddos at home and one serving his country in Korea. They are 9yo to 19yo. We homeschool. I container garden.... mostly because I forget to water them if they're out in the yard. I'm a book-a-holic. And am debt free (except for the houses).
Both my DH and I served in the military. Me for 8 years, Dh for 20+ (he'
Once upon a time...
I was in the depths of BS2 the FIRST time around. My absolute most FAVORITE time of the month was the first day of the month. That was the day when all the interest posted to all of my accounts, all the bills were paid, and I could take all the extra snowball from the month and throw it at whatever my current BS2 project was. Wiping the account down to bare minimum and throwing every single penny at BS2 was SO much fun for me! It was like giving myself a big high five
My DH has been struggling over the last several years to find a good company to work for that he fits in and pays him commiserate with his job performance. He's in IT and had worked for one company for nearly ten years and left because there was no chance of further career development. Unfortunately, when he left he found out just how difficult it is to find someplace to work that actually appreciates you and can afford to show it monetarily.
So that last place he worked he really liked hi
I don't need to go anywhere, we don't need anything at the store, and I simply refuse to go spend just because I want to go shopping.
I totally have a bad case of the "I wants" today, and I am not giving in to them. If I give in, then I haven't learned anything, and I am not setting a good example.
DH and I have both had career changes over the years. He went from retail management to state clerk to IT whiz. My changes were not quite as drastic (apartment manager to accounting clerk to small business bookkeeper). I have now past the magical milestone of "40" and am looking at my life wondering do I really want to do this for another 25 years? It's not that I don't like my job. I do like the work at the company I am with currently. But its a small business with a single owner who is l
BS3 - As of a few days ago we have a full 3 month FFEF again, may it last a very long time without being needed! At the end of the year I am thinking that it needs to be increased by $1K or $2K.
Property taxes: These are due in August and are about $1,300. So far there is $500 saved up, and another $750 should be going into that fund at the end of June, putting us almost there
Heating oil: Here's where I don't really know how much it will cost, it depends on the price of gas when w
I am so very thankful that this board is back again!
I didn't realize how much I appreciated it until it was gone. I have spent the majority of the past 6 years in various degrees of 'Gazelle-ness' and have been always thankful that we found Dave Ramsey and his plan when we did. This plan has kept us financially stable throughout our married life and we've had several periods of intense financial hardships. The wonderful part was that none of those hardships were a crisis. We were able t
So let's see if I can remember all the details of our plan..........for those who don't know or don't remember, I started DR more than 2 years ago. DH wasn't on board with a lot of things and I was struggling pulling us along. Being a SAHM with very limited income didn't help. Then I bought DH some Dave Live tickets for his birthday and things changed. He was on board and wanted to try things Dave's way......we started making progress and then last summer happened. Within a month, our well
Okay, I don't write blogs. I just don't like to put my thoughts down permanent like. But here goes nothin'. Maybe this will kick my rear into high gear. I have been trying to follow Dave's plan for around three years now. I have made it to BS4 only to willingly step back to BS2. (stupid, stupid, stupid.) We are now back in BS3 but have been for nearly a year and we have gotten nowhere real fast.
In case you are wondering, "we" includes myself, my DH, my DD(8), and two elderly and ailin
We have so many financial balls in the air right now - one more debt in BS2 - large car loan. We have 2 kids in college and another starting fall 2012. We are currently cash flowing college for both kids which is making it very difficult to make any progress on BS2 - the car loan is a 0 percent so that is the one positive on the loan. My parents are celebrating their 50th Anniversary next summer and we are taking a family trip to celebrate. Each family (me and my sisters) are paying their ow