Dave Ramsey Check in

Originally Posted by Ann F

I took the plunge and signed up! It's just me, myself, and I now, so there's no one to argue with about finances. Of course, there's also no one to talk me out of spending, either... :P

Originally Posted by vonfirmath

We are out of debt and technically on Baby Step 4. I call it Baby Step 3.5 because, although we have our 6 months of savings... we can't exactly keep from touching it. I am the only wage-earner right now as my husband takes care of the baby and prepares to go back to school and although I can handle day to day expenses, when medical bills hit, we end up pulling from the "emergency" fund to pay them!

Right now, we're "House poor" We don't have a house. But when we moved to Texas I signed us up for too expensive of an apartment and we signed a year lease. So 50% of our take-home goes to rent right now. I am dreading the move at the end of the year, but staying isn't really tenable either (esp because I think they are going to raise the rent!)

However! Being out of debt (something we did originally shortly after we got married, because of a Larry Burkett program that is very similar) has made the move to Texas possible (although it drained $15K from savings, so now we are down to barely 6 months savings left), as well as allowing my husband to go back to school. So I'm a big fan. Just feeling like we are treading water at the moment.