WOW – Dave Ramsey is amazing. It’s all relatively simple, yet how many of us get it wrong. I am starting to think that I don’t need the online wealth coach and could have just followed Dave Ramsey’s technique. I just received my $600 incentive cheque from the Australian government so only need another $400 to get my $1000 emergency fund money!

I have come up with the following things I can sell on ebay:
- whole heap of horse riding DVDs
- ditto for horseriding equipment
- sass and bide jeans that don’t fit me (and never will, I’ve had them for about 5 years now

I reckon I can get about $1200 all up for all of this!

Also, I have made a big decision which I knew was coming. Going to sell the car and buy a $4000 toyota corolla or similar. Almost $500 a month goes on car payments and I want to use this to snowball my debt.

WOW – hoping that I have the strength to stick with this