The Debt Free Mom: Day 25

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!

Thursday, March 19, 2009

Day 25

New electronic coupons now available. Follow this link.

For Wichita Readers:

Would you like a good deal on a steak or BBQ chicken lunch? This Friday (3-20-09) between 11:30 and 1:30 come to TX Roadhouse (6707 W. Kellogg Drive) and for only $8 get your choice between a 6oz steak or BBQ chicken with mashed potatoes, salad, bread, and tea or water. No other items from the menu will be offered during this time. $5 of the $8 price goes to the Jazz for Jesus dance group. They are raising funds for a local young ladies conference called Broken andBeautiful-The Journey of Joy which will be held in May. Only cash and check are excepted at the door for this special Texas Roadhouse lunch. Hope to see you there!

Are you looking for great bargains on children's clothes, toys, shoes, and equipment? Mulberry Bush Consignment is Wichita's only ALL-SEASONS children's consignment sale featuring new and gently-used clothing (infant through junior & maternity), toys, and infant accessories. Please visit http://www.mbcsale.com/ to find shopper information.

LOCATION: Maize Recreation Commission at Maize Road and 37th Street North (look for the Taco Bell & Pizza Hut)

SALE DATES & TIMES: Thursday, March 19 - General Public Sale, 9a-6p Friday, March 20 - General Public Sale, 9a-6p Saturday, March 21 - Half-Price Sale, 8a-12noon

1 comment:

netaMarch 20, 2009 at 12:54 PM
Thanks for the TX Roadhouse tip. I met Shauny there for lunch today and we had a GREAT lunch, a wonderful visit, and helped a worthy cause at the same time. I also saw the Merriman's and got a hug from Evan! :-)
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About Me

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Thursday, March 19, 2009

Day 25

1 comment:

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