You must be an follower of Dave Ramsey. That guy is the best!!!
Posted By: MT and worn out on 2008-05-12
In Reply to: Strive to become debt free... - phillychick
nm.
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I am currently on Dave Ramsey's
program and just paid off my 1st bill yesterday. Everything he says makes complete sense. It took a while to build up my 1st emergency fund, but it really is not as hard as you think if you put your mind to it and stick to the plan.
Try Dave Ramsey
After you tell him (and you HAVE to tell him!) check out Dave Ramsey. He has a show on TV every night at 8 p.m. (central) on the Fox Business channel if you have cable, or check out his book from the library, The Total Money Makeover. He teaches you how to plan a budget and work TOGETHER with the finances, one of his most important techniques, and living within your income. In this economy we are all struggling--your biggest mistake was trying to keep it from him.
According to Dave Ramsey, my hero...sm
He says if you have cards you have paid off or no longer use, you need to call and write the credit card company and let them know that you want the account closed. And that you need to keep checking with those institutions to make sure they have actually done what you asked them to do. IMO, I would do the same thing..cancel them completely and then cut them up to boot. Hope this helps.
RE: Has anyone every heard of Dave Ramsey - See message
He has a program called Total Money Makeover. Has anyone ever tried it?? Thanks!
I agree with this poster and so does Dave Ramsey. sm
Get your hands on anything of his and follow the recommendations. He has helped me greatly. As Reality Check says, and I agree, our economy is in dire straits and not having any financial worries will be worth the effort to get there.
Good luck to you and your wife.
I've seen Dave Ramsey on Fox News
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.).
I definately do not consider myself a follower but
to not let myself get upset by the blandness, rigidity, mass ideations of others. Vanilla is NOT my fave flavor of ice cream, lol.
In my opinion, and as a Christian and Christ follower, you should be
upset that Christmas is termed "offensive" to a lot of people and that so many other religions want to use the birth of our Savior to "take time off work," "exchange gifts," "cook elaborate meals," and the like, YET, they don't want to use the term CHRISTmas when shopping, etc.
If people really wanted to stand by their convictions, I like what my husband has to say: Offer those who don't believe in Christmas the opportunity to go to WORK on those days instead of enjoying the time with their families on that special day since they seems so "offended" by the term Christmas.
Christmas is what it is. As Christians we shouldn't get into heated debate about it, but stand by your convictions that it is wrong to be "inclusive" or say Happy Holidays or Season's Greetings! The bottom line is that this time of year is special and celebrated because of one thing: The Birth of Jesus. Get mad. That's the truth. If other religions want to start their own holiday then make up a reason and go for it. I won't be offended if I go into a mall or store and they begin shouting or saying "Happy To Be An American Day!" Good for them. Just don't ride on the backs of the birth of our Lord and then try to take the CHRIST out of CHRISTmas!
Oops, it's Ramsey...nm
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Ramsey's Kitchen Nightmares rocks!
I appreciate the format of that show--trying to better a restaurant in his "loving" way.
BBC America is just great in other shows. How Clean is Your House? and You Are What You Eat are the other great shows, IMO.
LOL, they have been looking for Dave at my house, too, he must move a lot! :-) nm
nm
Oops, above posts about wrong Ramsey show.
x
go see Meet Dave with Eddie Murphy.
The kids will love it - and so will you. He played it so well! Cracked me up...several times.
Dave is my Baby Daddy who owes $27K,
that's probably me calling....sorry.
"So Damm Lucky" Dave Matthews.
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Dave Ramsy, The Total Money Makeover....
His message, "Live like no on else so later on you can live like no one else." Budget is not a bad word and saying no to the kids is not wrong and does not make you a bad parent.
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