Trying to live Debt Free
Posted 04-05-2008 at 03:24:26 PM by kimandkathess
Updated 06-06-2011 at 06:57:18 AM by kimandkathess
Updated 06-06-2011 at 06:57:18 AM by kimandkathess
I have heard so much about Dave Ramsey. I have decided to check him out. And wow, I feel so inspired. I am just starting my first baby step. Which is my emergency fund.
Here is where I am as of 6/6/2011
BS #1: $1,000/$1,000 DONE!
BS #2:$936.47/$11,605.16($10,668.69 left)
*RGE $430/$884
*NatFuel $958.03/$958.03 DONE
*Usa Credit $213/$213 DONE
*Calv. Port. 0/$79
*Ginny's 0/$153
*NY Cent. Mu. 0/$213
*Comm. Bank 0/$560
*Park Dansan 0/$249
*Seventh Ave. 0/$176
*Swiss Colony 0/$207
*Verizon Inc. $180/$180 DONE
*Capital One 0/$680
*citi loans $4,914.91(principle)/$9,400
**$900.88/$2,625
**$393.29/$1,275
**$2332.59/$3,500
**$1291.15/$2,000
BS #3: $2,000/$18,000 ($16,000)
BS #4: $15% for IRA (FUTURE)
BS #5: $6.58*(upromise),$0(personal)onhold
BS #6: $18,599/$62,341.68*($43,742.68 left)
yeah its under $44,000! Almost under $43,000!! with July and Aug. payment of 465 each plus extra (if we can afford it) we will be under $43,000!
(15,479.05 Intrest----28,263.63 principle)
~~Katrina~~
Here is where I am as of 6/6/2011
BS #1: $1,000/$1,000 DONE!
BS #2:$936.47/$11,605.16($10,668.69 left)
*RGE $430/$884
*NatFuel $958.03/$958.03 DONE
*Usa Credit $213/$213 DONE
*Calv. Port. 0/$79
*Ginny's 0/$153
*NY Cent. Mu. 0/$213
*Comm. Bank 0/$560
*Park Dansan 0/$249
*Seventh Ave. 0/$176
*Swiss Colony 0/$207
*Verizon Inc. $180/$180 DONE
*Capital One 0/$680
*citi loans $4,914.91(principle)/$9,400
**$900.88/$2,625
**$393.29/$1,275
**$2332.59/$3,500
**$1291.15/$2,000
BS #3: $2,000/$18,000 ($16,000)
BS #4: $15% for IRA (FUTURE)
BS #5: $6.58*(upromise),$0(personal)onhold
BS #6: $18,599/$62,341.68*($43,742.68 left)
yeah its under $44,000! Almost under $43,000!! with July and Aug. payment of 465 each plus extra (if we can afford it) we will be under $43,000!
(15,479.05 Intrest----28,263.63 principle)
~~Katrina~~
Total Comments 6
Comments
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Ok, silly question...what is a BS?Posted 07-11-2008 at 09:05:37 PM by AvonelleRed
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good for you!
Good for you! MY husband and I are Financial Peace volunteers and get so much joy out of helping people be good stewards of their money. It's hard in our materialistic society to keep motivated, so when you get discouraged, go find other blogs, read success stories etc... Good luck!
P.S. BS is "baby step"Posted 07-12-2008 at 11:11:00 AM by newatthis -
Thanks, I read on another site and feel so inspired by what I read and how others have done this. I got my husband on board, and my mother saw how we are coiming along and she too is starting these steps. It just makes ya feel so good!Posted 07-12-2008 at 11:20:55 AM by kimandkathess -
How did you start? We to have quit using credit cards, cash or check, so we are aware of what we spend. I work a couple of part time jobs that let me be here for the kids, about 22 hours a week, plus I cut basket kits for a lady in town, spuradic but sometimes very lucrative.
All of our change goes in a jar for college for the 2 adopted girls.
Hard part for me is controlling good buys, and flowers for the garden, which I am trading and dividing, but sometimes it gets the best of me.
We built a house, and when we sold the other one without a realator, we put that down on the loan and reameritized it to lower payments, now I to am putting what I save each week on cupons down as extra principal on the house. Give me even more incentive to find deals. Good luck, I am open to any tips.Posted 07-12-2008 at 01:39:04 PM by Marcina -
delete please
deletePosted 07-12-2008 at 02:57:36 PM by newatthis -
It is great to find other Dave Ramsey followers on here (wow...kinda just made it sound like a cult...lol). My husband and I are still on BS1, everytime we get the money saved something happens. Well anyway, would love to hear more about people's experiences and goals.
TerriPosted 07-12-2008 at 07:35:32 PM by momof4inmi
