The Debt Free Mom: Day 139

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!

Monday, July 13, 2009

Day 139

Join us for the B98-FM Listener Appreciation Party!

Saturday July 18
8:30a - 5p
Sedgwick County Zoo

Get $2 Admission with your SPECIAL B98 Tickets
With your discount passes you can enjoy an entire day at the Zoo for only $2!*

Discount passes can be picked up at these locations:

Freddy’s West 8621 W 21^st Street North (21^st and Tyler) Wichita, KS 67205	Freddy’s Plazzio 11525 East 13^th (by Warren East Theatre) Wichita, KS 67206
Freddy’s East 310 N Rock Road (South of Central on Rock ) Wichita, KS 67206	Freddy’s El Dorado 1809 W Central El Dorado, KS 67042
Sports Time Fan Shop EAST - Cambridge Market 9747 E. 21st St. Wichita, KS 67206 (316) 264-6655	Sports Time Fan Shop WEST - New Market Square 2441 N. Maize Rd. Wichita, KS 67205 (316) 722-3000
One Day Jewelry and Repair Harry & Oliver 1547 So. Oliver	One Day Jewelry and Repair Maple & West 240 So. West St.

and Rebecca heard on B98 that when the temperature hits 98 degrees you can go to

marble slab and get an ice cream with one mix-in for 98 cents.....thanks Rebecca

Be sure to check your local store for participation

About Me

Follow my Ebay

Dave Ramsey's Baby Steps

Dave Ramsey's Link

My Favorite Email!

Since Day 100

Followers

Monday, July 13, 2009

Day 139

No comments:

Post a Comment

My 365 Day Journey

My June $100 Grocery Challenge

Debt Free is For Me!

Saving Money is For Me!

Coupon Sites to Load on your Dillons Card

Follow the Links to Print Coupons

Labels

Blog Archive

How Many Reading With You