The Debt Free Mom: Garage Sale

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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!

Showing posts with label Garage Sale. Show all posts

Friday, October 9, 2009

Day 226

My Deal of Day:

My husband and I swore that we would not buy new furniture until the kiddos were grown.....but yesterday at a garage sale I found an almost new couch, loveseat, two end tables, and a coffee table for the bargain price of $230.00.... for all of it!!!!!

With all of the layoffs I have found that many people of selling beautiful pieces of furniture for bargain prices.

Garage Sale season is winding down here in Wichita, don't miss out!

Wednesday, March 11, 2009

Day 17

Are you drowning in debt or could just use some extra money? Garage Sale season is almost here! Start cleaning out your closets and corners now.

Our first garage sale when we began our journey to become debt free gave us a great head start to fund our emergency fund.

I have already started my garage sale pile for the sale we will have in May.

Tip: Advertise on Craigslist. It's free!

Buy some pop and bottled water to sell~make even more $

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Friday, October 9, 2009

Day 226

Wednesday, March 11, 2009

Day 17

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