Great website where you can buy half price gift certificates....thanks Debi
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About Me
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Dave Ramsey's Baby Steps
$1,000 to start an Emergency Fund
Pay off all debt using the Debt Snowball
3 to 6 months of expenses in savings
Invest 15% of household income into Roth IRAs and pre-tax retirement
College funding for children
Pay off home early
Build wealth and give! Invest in mutual funds and real estate.
These steps are the reason we are where we are today.
click here for more info.
Pay off all debt using the Debt Snowball
3 to 6 months of expenses in savings
Invest 15% of household income into Roth IRAs and pre-tax retirement
College funding for children
Pay off home early
Build wealth and give! Invest in mutual funds and real estate.
These steps are the reason we are where we are today.
click here for more info.
Dave Ramsey's Link
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!
Since Day 100
Followers
My 365 Day Journey
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My June $100 Grocery Challenge
Can it be done?..... spend only $100 on groceries for the month of June.
Well I blew it :(
I spent $269.09 for the month of June
but still under budget :)
I was able to save $130.91
Debt Free is For Me!
Email me
amounts of debt you pay off. It of course will be anonymous. Lets see how much debt can be paid off by Day 365!
Yea!!!! $57592.63 paid off
Saving Money is For Me!
Email me or leave a comment with amounts of money saved. Lets see how much money we can save by Day 365! Yea!!!! $59,701.62 saved
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