Oops, it's Ramsey...nm

• Before the post gets buried below regarding credit - very long message sm - penny wise
  • That is some wonderful information - sm -
    • Ouch - my husband had to come clean to me too sm - penny wise
      • thanks for the advise, you say some very smart things - sm -
        • The very 1st time he talked about killing you, was the time - to kick his stuff to the curb & change the locks!
        • I realize this is a private matter, but - diddlydee
          • No the in-laws are not an option the only reason - sm -
        • How not to get killed?!?!?! How about leave the idi0t!!! - mt
          • Regardless it all comes out and I still -sm -
            • Life is too short to live it in fear. I'd rather sleep in my car -sm - Just my opinion
        • I can sympathize with you sm - penny wise
          • thanks, good idea too. - sm -
            • Drinking 9-12 beers a day means he is - an ALCOHOLIC. - nm
              • PS: He really does need serious help. - Maybe you should tell him that. - sm
            • credit debt - (OP)
  • P.S. - penny wise
    • This is wonderful. - This is basically the "snowball"
      • Make a list of budget/spending priorities for your self employment income - mtstudent
      • not to worry - sm - penny wise
        • Dave Ramsy, The Total Money Makeover.... - phillychick
          • Thanks - will have to see if I can find it at the library. nm - penny wise
          • Oops, it's Ramsey...nm - phillychick

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but never got a chance to try to find his web site. I will though, hopefully sooner than later.

We had our dream car a couple years ago. My favorite color (blue) with blue interior and a very large luxurious car that got unbelievable 30 mpg. It was the first time we spent more than $1000 on a car except when I had a brand new Horizon back in the ྌs. We loved that car, only 50,000 miles on it, thought it would last us forever, but little did we know it was in a flood. We started smelling a musty smell coming from the trunk when summer rolled around and 3 years later, it was trash, all rotted out underneath, nothing electrical worked on it. Even though it had all those things wrong with it, I still loved it, but it had to go to the graveyard. Broke my heart. (They don't make that car anymore).

That same year, a friend gave us a calendar that had daily numbers on it. If the number came up on a certain day, you would win those $$ for that day. December 29, our number came up and we won $100. The same day, DH bought a car with a blown engine for $100 without knowing he had won the $100 from the calendar. So, in reality, we had a free car. We pulled the engine from my blue baby and put it in the $100 car and it lasted 4 years until the windshield and transmission started to go.

We are still going to save the engine from my blue baby because it still has a way to go to hit 100K just in case this other car has engine problems. Then, if not, we will probably sell the engine later on to get a few extra dollars needed. 

I've been working on a budget since last year that I downloaded from MS and was surprised to see that we rarely have any $$ in most of the columns, but  insurance and taxes are eating us alive. No way to get out from under all the myriad taxes (federal, state, local, property, school, township, breathing, emergency, sales, etc.) and insurances (health, home, car, disability, vision, life, etc.).  

1932 - The Tuskegee Syphilis Study begins. 200 black men diagnosed with syphilis are never told of their illness, are denied treatment, and instead are used as human guinea pigs in order to follow the progression and symptoms of the disease. They all subsequently die from syphilis, their families never told that they could have been treated.

oh and at the link they think that AIDS might have gotten spread from the hepatitis B vaccine - I just read, oh too much information for me...YUCH...gonna check out different other links now.....

http://www.wanttoknow.info/humanguineapigs

...response to the question about debit cards without bank involvement.

Sorry.