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janetupnorth said:We try to live under it but things happen...like furnaces going, water heaters going, cars breaking down, unexpected medical bills...basically life in general!!!!t.
GeorgiaPeach said:Janet,
"Dave Ramsey says" the reason your grandma said to save for a rainy day is because IT'S GONNA RAIN!! I thought that was funny.
Our church is starting the Financial Peace University on Feb 11th. We began using the envelope system (kinda) last week. I deposited enough to cover outstanding checks and then was going to use cash for everything else.
For the FIRST time in 9 1/2 years of having two accounts (joint and PC) I deposited the money in the wrong account!!! We were out of deposit slips and I had to write the number on a generic deposit slip. I won't say how many checks bounced last week....let's just say when I realized the error on Friday night I got physically sick when I totaled the bank fees.
I can't wait til 2-11 and get this party started
Janet, Dave's stuff is biblically based and from what I've learned about you through your posts...his thinking should fall right into line with what you believe.
DebbieJ said:Janet, you don't have to spend the $9.95. You can do a 7 day trial, get all the info you need, and then move on. He has a TMMO book and workbook that are wonderful, as well as the book on CD.
I'm sending you a PM.
finley1991 said:I'm still on Step 1... I had been working on step one but used some of that to go to Leadership. I had a preprinted budget for leadership which I kept track of every time I spent anything. Came home with $240!!!! Overestimated on gas and got my $50 hotel deposit back. So all was good!
I'm finding the budget challenging a bit... being single I'm sure it's so much easier since I don't have to worry about anyone else... just me touching the $$$.
Here is something super funny (and those of us who do DR will totally get this!). Last Wednesday Ann and I checked into the hotel... I paid with cash like I normally do for hotel stays. A little while later, we see the rep from Experient (I think that was the housing company) and remember that I had made my $50 deposit so I approached him to ask him how I would get my money back. Here's what happened:
ME: Hi... just wondered how I will get my deposit back that I did for our room?
HIM: When you check out, they will credit your credit card.
ME: I paid cash.
HIM: We don't take cash.
ME: I paid my deposit with my DEBIT card. I paid for the room in cash.
HIM: Cash?
ME: Yes.....
HIM: Cash? For your ENTIRE stay?
ME: Yes....
HIM: Cash?
ME: Yes... the green stuff?
HIM: Well, I don't know... no one pays cash.
ME: Will you be around here somewhere on Saturday in case I have a problem?
So I went to the desk and asked the nice lady who checked us in and she said, "No problem! We'll give you your cash back when you check out."
It was very funny!
So now back to refunding my BEF!!!!!
Thanks for having us check in Deb!!!
janetupnorth said:So what does Dave Ramsey think about debit cards IF and BIG IF you keep diligent track of them. I feel comfortable carrying my debit card but not cash in large quantities.
Dave is fine with debit cards. When first starting the system he prefers all cash as it is much more of an emotional pull to lay out the green stuff than to just swipe the card.janetupnorth said:That is so funny! I think they don't picture a single woman carrying around cash either!
So what does Dave Ramsey think about debit cards IF and BIG IF you keep diligent track of them. I feel comfortable carrying my debit card but not cash in large quantities.
DebbieJ said:Dave has several books. I've only read The Total Money Makeover. He has them all available on his website Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan.
Most library's have them in stock.SilverCeladon said:Thanks Deb! Now, does anyone have a copy they would want to sell before I buy one on Amazon?
SilverCeladon said:Thanks Deb! Now, does anyone have a copy they would want to sell before I buy one on Amazon?
chefjeanine said:I am having lunch today with my friend whose husband has taught the David Ramsey class (not sure what it's called). I'm going to check with her and see if and when he is teaching again. I think this is something that DH and I could use to be sure our retirement is in order and that we can have some fun along the way.
wadesgirl said:DH had an issue when we first started dating. It wasn't that he had bad credit, he had NO credit. He never had a CC, had paid his car off years before, rented an apartment. I swear it was harder to get his credit in good standing than it would have if he had bad credit. He tried applying for a credit card to get something to help him but was turned down every where. Finally we found a secured credit card were he put down his credit limit in a savings account and the bank gave him a credit card with that limit. After a year of good payments, etc, they chaned it to an unsecure credit card. His credit rating finally went up but it took him having to have debit to do something about it! That just seems so backwards to me!
SilverCeladon said:Maybe we can have a forum especially for this? We can account to each other how much we have saved and put away?
SilverCeladon said:That is a bummer! I heard getting a jewelry card is the best way to go. When I was 16 Mervyns gave me a credit card with a $60 limit to establish credit. It was all my own and I remember thinking "OMG, I'm maxed out!" I wonder if they still do that now?
chefann said:You could always set up a Yahoo Group for sharing info - make it so that a moderator has to approve people who join.
Except that, depending on how you set up your membership, it goes to your email inbox. You're already checking that, right?janetupnorth said:True, but just one more place to check....
chefann said:You could always set up a Yahoo Group for sharing info - make it so that a moderator has to approve people who join.
chefann said:No- I'm still sick. I'm having a hard time breathing because I'm so congested. But I'm glad it's this week instead of last. I'd hate to be the person responsible for spreading germs at Leadership.
Kathytnt said:Both our cars are 6 years old+ But they are in fine working condition. Car dealers don't like people like us. They want people to buy a new care every 2-4 years.
The Dave Ramsey financial plan, also known as the "Baby Steps" plan, is a step-by-step guide to help individuals get out of debt and achieve financial stability. It focuses on creating a budget, paying off debt, saving for emergencies, and investing for the future.
The first step is to create a budget and track your expenses. This will help you identify areas where you can cut back and save money. Then, you can start following the Baby Steps, which include building an emergency fund, paying off debt using the debt snowball method, and investing for retirement.
The timeline for completing the Dave Ramsey plan varies depending on individual circumstances, such as the amount of debt and income level. On average, it takes about 2-3 years to complete the plan and become debt-free.
Yes, the Dave Ramsey plan is designed to work for people of all income levels. It may take longer to complete the steps, but the principles and strategies are still applicable. It's important to focus on cutting expenses and increasing income to make progress on the plan.
It can be challenging to stay motivated while working towards financial goals, but there are a few things you can do to stay on track. Surround yourself with a community of like-minded individuals, celebrate small victories, and remind yourself of the long-term benefits of following the plan.