The Debt Free Mom: Day 31

My Favorite Email!

I’m curious about how you learned to live debt free.

First I would recommend reading the book The Total Money Makeover by Dave Ramsey. It was a huge eye opener for both my husband and I.... It was the first wise financial decision we made....We had it in our shopping cart and were going to charge it to our credit card, we looked at each other and said this is crazy. We put the book back on the shelve and checked it out at the library :)

~The first thing we did was sit down together and add up how much debt we had. I thought we had around $20,000 but in reality we had $48,000.

~Saved $1000 Emergency Fund

~Then we payed our debt off smallest to largest no matter what the interest rate was

~We make a budget and put a name to every penny

~We use the envelope system....taking out cash for budget categories....that way we do not overspend....when the money is gone from the envelope we know we are done spending for that category

~Canceled Cable...don't miss it....still don't have it, have basic cell phone, basic home phone we cut back on anything and everything we could.

~Squeezed every penny out of the budget to throw on our debt

~My husband and I started communicating about money....that was huge for us.... now we are on the same page and were and are intense to make sure we honor God with our finances

~Coupons

~and most important lots of prayer

Wishing everyone the best of luck.....be intense....and tell every dollar where to go!

Wednesday, March 25, 2009

Day 31

Oh no! I went to 2 different Dillons last night and they no longer carry Cottonelle 4 packs of toilet paper. If anyone spots them, leave a comment :(

Pace $4.00 off coupon on any Pace product including Salsa, Picante and specialty variety. This could even be a money making coupon toward your other groceries! It can be printed multiple times. Give it time when you press print. It takes awhile to print ;)

Join me in watching this series with Dave Ramsey and learn how to break free from debt.

Trying to make sense of the economy? Leading financial expert Dave Ramsey shares timeless advice on money matters right under your own roof.

1 comment:

Beach MommaMarch 25, 2009 at 2:37 PM
darn and I just printed a batch and am working at getting my laptop back up so I can print another batch. Have you checked out the Dillons ad!! Lots of good matches with Sunday's coupons. GOnna go sit in the hospital and make my lists. :)
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Wednesday, March 25, 2009

Day 31

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