Wednesday, October 24, 2007

Twenty-four hours ago...

DaHubby and I were doing this...keeping in mind this is a family-friendly blog! *wink*...

Dave Ramsey would be proud...that is me with the REALLY big scissors in my right hand cutting up every. single. one. of our credit cards! All TEN of them: 3 Lowes (don't ask! LOL), 2 Best Buys, a Home Depot, and 2 sets of 2 Visas and Mastercards.

And, look at that smile on DaHubby's face. Never thought I'd see it from cutting up his precious Lowes card(s)! *wink*

Financial Peace University, Ramsey's 13-week course we're attending via DVD's at a local church, is making a HUGE difference in our lives and in our marriage. We're in agreement about our financial goals...finally! And, DaHubby is working all the OT he's offered, we have not eaten out in over a month, we have not used a credit card since starting the class, by this time next week we should have $400 in our emergency fund (Dave's baby step #1), we're changing our life insurance all around so we quit losing money on a bad deal we got years ago, the minivan is up for sale, and, if the van is sold soon, we could be completely out of debt (with the exception of the house) in 14-18 months!

Praise God!

5 comments:

Unashamed said...

OH sweetie, I'm so proud of you! Getting your emergency fund in place is quite an accomplishment and you are almost halfway there. Good for you and DaHubby.

I have an idea that I've been meaning to pass along to you. When my kids were little, I used to keep some special treats in a cupboard that were just for "roadtrips" (basically anytime we would be out and tempted to go through a drive thru). The kids knew that they were off limits until we were out running errands or something. Then before we left I would make a big deal of letting them choose one or two small treats to take along. It would be stuff like granola bars or little packs of cookies, stuff that I would not normally buy because they're so expensive, but I would break them out for car rides. Anyways, I know it seems counterintuitive to spend money on stuff that you normally wouldn't, but I found that by keeping a supply on hand I saved money 'cause I wasn't hitting the more expensive drive thru all the time.

Peach said...

Good for you!! I'm so proud of you, too. Inspired by the photos as well.

We are doing FPU, too, right now -- and we are seeing some great progress. We have a lot further to go, and we need to add a part time job to the mix in order to make some more head way on the debt snowball, but it sure feels good to be headed in the right direction.

debtfreesteve said...

That's just awesome! I remember what it was like to cut all of ours up as well. Weird feeling as it was, I still, to this day, call my wife and scream 'we don't have any credit card payments! we don't have any car payments!' Good luck and God Bless you.

Steve & Amanda (page 116 of the TTMM)

Debbie said...

Oh wow!!! Beth, this is soo great! I, too, am proud of you. This is MAJOR!!

Cutting those cards up and smiling at the same time is also huge!! hehehehee

Daddys Chicks said...

Beth . . WAY TO GO!! A fellow Dave Rasmey junkie hear. We been on the diet for two years this spring. Best thing we have ever done. Our 8 year old even understands The Dave Plan. Best of luck to you both. Beans and Rice, Rice and Beans.