I saw a funy clip about auto mechanics and their customers today...
Monday, October 1, 2007
Thursday, September 27, 2007
DAVE IS RIGHT!!!
I have been working the Baby Steps now for just over three months. The net results are very respectable. What's more I haven't paid some scam artist to help me get out of debt either! Which was a temptation I successfully avoided nearly five months ago. AND what is even more impressive is that the Debt CON-solidation loan on our house which we didn't qualify for in the end was totally not needed. That is a serious revelation folks! We were convinced by the ads and everything we were told by real estate folks that this was the route we needed to go. Well, they were wrong. THANK GOODNESS we were just enough out of balance to not qualify for that scam a second time.
So how did I solve the nearly $800 deficit that my family had on a monthly basis? I took a second job at one of the Schuck's Auto Parts Stores. I knew the manager and knew he needed the help. I was right and thus I got the job. It has not been easy or fun working 65 hours or more a week but I am seeing the value of what Dave calls "Working Like NO ONE ELSE..."
I knew my friend the manager was in need of Dave's plan as well. So I gave him the book on CD. He and his wife are now working their own Total Money Makeover and they are succeeding! WOW! It is such a simple plan and there are no MLM gimmicks or gotchas. I have to say that I am still very much sold on this TMMO plan of Dave Ramsey's.
We are going to be able to pay off our only credit card in five days! This is a major way point for us on our path to personal financial peace. We got this credit card shortly after we got married and we thought it would never carry a balance; for a few months this was the case. Dave loves to say when you play with snakes you are going to get bit. He was right! We had a few medical emergencies and an incident with our car and boom we were carrying a balance. Now nine years later we are going to be RID of the snake FOREVER!!! What a GREAT FEELING!
I can see the light at the end of the tunnel and I know it isn't a train! It is the blessed light of FREEEEEDOOOMMMMM!!!! WOW! I used to think that I would have to find some business opportunity to get the G.O.O.D. life. Now I know better. It isn't how much you make it is how you use it.
Dave is right!
So how did I solve the nearly $800 deficit that my family had on a monthly basis? I took a second job at one of the Schuck's Auto Parts Stores. I knew the manager and knew he needed the help. I was right and thus I got the job. It has not been easy or fun working 65 hours or more a week but I am seeing the value of what Dave calls "Working Like NO ONE ELSE..."
I knew my friend the manager was in need of Dave's plan as well. So I gave him the book on CD. He and his wife are now working their own Total Money Makeover and they are succeeding! WOW! It is such a simple plan and there are no MLM gimmicks or gotchas. I have to say that I am still very much sold on this TMMO plan of Dave Ramsey's.
We are going to be able to pay off our only credit card in five days! This is a major way point for us on our path to personal financial peace. We got this credit card shortly after we got married and we thought it would never carry a balance; for a few months this was the case. Dave loves to say when you play with snakes you are going to get bit. He was right! We had a few medical emergencies and an incident with our car and boom we were carrying a balance. Now nine years later we are going to be RID of the snake FOREVER!!! What a GREAT FEELING!
I can see the light at the end of the tunnel and I know it isn't a train! It is the blessed light of FREEEEEDOOOMMMMM!!!! WOW! I used to think that I would have to find some business opportunity to get the G.O.O.D. life. Now I know better. It isn't how much you make it is how you use it.
Dave is right!
Wednesday, September 12, 2007
Rumors of my untimely demise...
Contrary to the rumors circulating I am indeed still alive; just working two jobs... Hence the decrease in actual blog time available to me. I have mostly adjusted to this new schedule and I hope to be able to post once a month from this time forward. If you are wondering why this is the case I suggest you stop by my financial councilor's website . It is all his fault as he has modivated me to get out of debt FOREVER! Hence, I actually have need of a breif burst of income to help move my debt snowball downhill faster.
Friday, July 27, 2007
The Seven Baby Steps...
For those who are interested here are the Seven Baby Steps to Financial Peace in your life, that Dave Ramsey has laid out. These are the steps that I am following to become debt free. I am at step two and have shreaded my credit card and am gald of the clear path out of debt.
Saturday, July 21, 2007
Bubba is the Devil!!!
The following link is a funny parody that will have a little too much truth in it for comfort in it for mamy who read this blog and listen to audio. My advice is to be brave and stop taking the Dumb-Dumbs at the bank. The are telling you something important about debt; IT IS DUMB!
However I know that nearly 75% of my readers are in its grasp and over half of them are as guilty as I have been of the such credit crimes as ol' Bubba Bezel's H.E.L.L. ; we either have learned or are learning that it is a short cut to more misery and grief in the financial arena.
I believed all the advertising years ago. I drank the sweet smelling Koolaid; sadly it gave me fish breath debitosis. We have now gone one full month without our credit card living on a Dave budget; Life has never been more hopeful. We can finally see how we are going to pay ol' Bubba off.
However I know that nearly 75% of my readers are in its grasp and over half of them are as guilty as I have been of the such credit crimes as ol' Bubba Bezel's H.E.L.L. ; we either have learned or are learning that it is a short cut to more misery and grief in the financial arena.
I believed all the advertising years ago. I drank the sweet smelling Koolaid; sadly it gave me fish breath debitosis. We have now gone one full month without our credit card living on a Dave budget; Life has never been more hopeful. We can finally see how we are going to pay ol' Bubba off.
Thursday, July 19, 2007
The true cost of a NEW CAR!!!
After you have watched this video you I know what I did... (I put my car up for sale and began searching craigslist for a car I could pay cash for and drive for the next ten months...) The question is what will you do.
Saturday, July 7, 2007
Dave Ramsey's - Total Money Make Over
WOW!
This is a powerful book about our finances today. I found hope inside this book in a way that I have not in countless other "financial solution" books. Dave is a brilliant commentator with the real world smarts of experience to back up his statements.
I began my own Total Money Makeover after listening to this book. It has helped me to understand what it is that I didn't learn in school or the 20 years since about finances and why "I am doing ok!" just isn't ever going to get any better. The reason is clear and I feel it is best summed up by a quote by another genius, Albert Einstein.
Insanity: doing the same thing over and over again and expecting different results.
Utilizing, Dave's six simple steps has allowed me to totally reorganize my financial life in a way that has allowed me to cut up my credit card and live life in a manner that is fiscally responsible. I am have completed step one and am now working step to with "gazelle" intensity. It has allowed me to create a realistic plan to become 100% debt free in SEVEN YEARS' time with over 20,000 dollars in the bank. WOW!
We started this plan a week ago, yet we have already paid off over $1400 in debt! We have committed to this plan and it is working! Now we have only $238,500 of debt to go. I know it sounds crazy but we are unlike many other plans this one is working. Mind you this is no get rich quick plan! It is a plan that require work! Yes, I said the four letter word. But trust me Dave's plan is easy to understand and even better, it is a workable plan.
Ultimately all I can tell you in this short review is that this book is AN ABSOLUTE MUST BUY!
If you are skeptical read it and check back; I will keep you all up to date on the progress of this truly amazing plan.
This is a powerful book about our finances today. I found hope inside this book in a way that I have not in countless other "financial solution" books. Dave is a brilliant commentator with the real world smarts of experience to back up his statements.
I began my own Total Money Makeover after listening to this book. It has helped me to understand what it is that I didn't learn in school or the 20 years since about finances and why "I am doing ok!" just isn't ever going to get any better. The reason is clear and I feel it is best summed up by a quote by another genius, Albert Einstein.
Insanity: doing the same thing over and over again and expecting different results.
Utilizing, Dave's six simple steps has allowed me to totally reorganize my financial life in a way that has allowed me to cut up my credit card and live life in a manner that is fiscally responsible. I am have completed step one and am now working step to with "gazelle" intensity. It has allowed me to create a realistic plan to become 100% debt free in SEVEN YEARS' time with over 20,000 dollars in the bank. WOW!
We started this plan a week ago, yet we have already paid off over $1400 in debt! We have committed to this plan and it is working! Now we have only $238,500 of debt to go. I know it sounds crazy but we are unlike many other plans this one is working. Mind you this is no get rich quick plan! It is a plan that require work! Yes, I said the four letter word. But trust me Dave's plan is easy to understand and even better, it is a workable plan.
Ultimately all I can tell you in this short review is that this book is AN ABSOLUTE MUST BUY!
If you are skeptical read it and check back; I will keep you all up to date on the progress of this truly amazing plan.
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