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Dave Ramsey: Thoughts?

January 19th, 2007 at 11:18 am

DH's boss bought tickets to see Dave Ramsey in May.

I've heard mixed things from him. Anyone love him? Hate him? Should I be nervous or excited??

Gardening and Bills

January 9th, 2007 at 07:58 pm

Guess what?! DH told me that his paycheck this week will be almost double what it normally is! Apparently he hit some threshold that he gets rewarded for, so I have some extra money coming my way!! I think we're going to put it on one of the credit cards; it should be enough to completely pay it off.

I paid our bills last night. It's interesting to see that by STICKING TO MY BUDGET, I'm not coming up short when it's time to pay the bills. I'm following my debt snowball plan, threw some in savings, and still have enough to buy groceries! It feels good not to worry!

I want to plant some veggies now that I have my own backyard. I am willing to listen to any and all advice! I want to grow:

Onions
Spinach
Tomatoes
Carrots
Rosemary
Basil
Garlic
Cilantro

I want to try corn, beans, and potatoes, but I don't want to be too ambitious. Baby steps, right?

WOOHOO!

October 26th, 2006 at 06:27 am

Last week, I paid off an $800 debt. This week, I paid the ending balance on one of my credit cards, $227.43. So that's two debts gone in two weeks! I feel tons better even though I still have a long way to go.

Baby steps, right?

Doing better

October 17th, 2006 at 07:34 am

On my paycheck last week, my overtime was on it! That was about $350 extra, which gave me enough money to pay off one debt in full. Now I can focus on the others!

I've been working on correcting small behaviors that are hurting me financially. Every day I used to stop at the gas station to get a cup of coffee. (Which I suppose is better than stopping at Starbucks, like I used to!)

$1.09 x 5 (days per week) = $5.45

$5.45 x 4 (weeks per month) = $21.80

I bought a 36-count box of Folger's coffee-in-a-bag for $6.85 and a bottle of peppermint mocha creamer for $1.99, which should last me all month.

$6.85 + $1.99 = $8.84

This is a total monthly savings of $12.96

I know it doesn't sound like a lot, but $12.96 x 12 = 155.52 (provided I stick with it!)

Still here... still in debt.

October 11th, 2006 at 10:20 am

Gosh, being a grownup is hard.

I'm still here. Still working part-time. Still carrying the burden of $15000 in credit card debt. Trying not to be depressed.

I bought two new rugs for the kitchen today on clearance. The total was $3.22 for both. Not too bad, I didn't feel guilty spending the money.

I haven't thrown in the towel even though I want to.

July 11th, 2006 at 01:54 pm

I haven't quit yet. I'm still here. Still figuring it out. Still kind of bummin' that it's not perfect yet, that I'm not in the black yet, but it's getting easier.

I know that each step I take is for a larger goal, one that will reap rewards not just for my sanity but for my whole financial well-being.

Next paycheck I am paying off a credit card and saying goodbye. I don't need it. I'm snowballing my debt and hopefully in a few months I'll be able to post a success story.

It feels good to be in control. Today I made coffee and breakfast at home instead of spending $6-8 to have the people at Starbucks do it for me.

Baby steps, folks. Baby steps.