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How to be debt free
It made me
Relieved and hopeful
 "It took a few years and going through several starts and stops, but we got there!"
How I did it: We followed the principles of The Total Money Makeover by Dave Ramsey. The main thing we did to get us to this point is adopting the mantra - 'no new debt'. Even when we fell off the plan we didn't go into more debt. We 'cheated' several times in buying something or totally busting the budget, but we never put anything on credit. Lessons & tips: A paid off car feels wonderful! Resources: www.daveramsey.com
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How I did it: we cut our income in half his pay towards bills, etc.... my pay toward debt. pretty simple actually just hard to follow because we are so used to our extras but hey 6 months later we can have our extras and now we have peace of mind. Read how I did it…
How I did it: Managed to get a a personal loan to pay off the Credit cards. it was ONE payment and at a lower interest rate. If you do this, you also have to get rid of the credit cards or be very disciplined with them or you will be in a worse mess. I also was lucky enough to re-mortgage my house and used the balance to pay off several debts. My mortgage of course had several years added to it but I was not planning to stay in the house for much m… Read how I did it…
How I did it: This is how we did it. The only thing we owe on is our home, and our mortgage is less than most people pay for rent. We have no other debt whatsoever. Even when my husband lost his job earlier this year we refused to use a credit card, and we didn't. Create a budget. This is the home budget we used. I made it myself, and we have been using it for years now. I have no idea how I would know what to sp… Read how I did it…
How I did it: We made a list of everything we spent money on,or were about to, then decided if what we were spending our money on made us happy or not; if not we cut it out (Cable went away, cellphones too). Then we looked at how much money we were spending, and decided if we were happy spending that much, if not we cut it back (Restaurant money went down, so did our phone bill). after 5 years we paid off the house, and have had many great vacations, s… Read how I did it…
How I did it: I didn't have any debt when I got married, but my husband did. He let me put us on a spending/saving plan. I budgeted for household and business expenses and made a line item for debt repayment. It took about two years to pay off his business and personal debt. Read how I did it…
UskaDara is packing her schtuff up for the moooove!
I’m in about debt about $13,000. But $10,000 of it is a loan from my dad, which I’m paying off $200 at a time (each month). I should be done with ALL of it in 4 years or so, including the credit card bills and such. Unless some miracle or disaster happens. Aye dios mios.
now owe $12328.68.
Which is a screaming $901 more than we owed last month and with what we paid. Its kind of depressing since that is just the bills we have figures for, the others would total about $200…...
Mine you, we have just spent $1000 on getting the car fixed so we are doing tooo bad :S
Since our wedding, we have been in lots of debt. I want it gone.
amyrun77 Twilight totally is ripping off the Sookie Stackhouse books!
OK, so it wasn’t working out because we were still always broke. Now we are doing it DHs way. Seems to be working so far. Another bill was paid off:)
cheekui is curious
I need to get rid of all my debts and dues asap. I need to save money and start paying them one by one.
Planning to get a personal loan to pay off a credit card debt and maintain good credit score after that. They should have taught me that at school!
brickhorse has all the swirling plates in the air!
on a store card. I had to buy some “essentials” last weekend, and got the wrong size on one. I exchanged it yesterday, and the item was about $5 less than it was 4 days earlier. They gave me the lower price, so I was refunded about $5. I had bought two items, and asked if I could get the reduced price for the one that I had at home and had already worn, and they gave it to me! So I saved about $10 total. It will only be effective if I can pay off that store card quickly, which I intend to do. It pays to ask for the discount!
semi_conscious is starting a good book...
Get rid of university debt… the student loan, overdraft, credit cards and bank loan…
brickhorse has all the swirling plates in the air!
today by mail. Total of $125 debt that I do not need to pay, plus the interest. It is such an easy thing to do, not to charge, and it is hard to resist when I am addicted to getting what I want right off.
The one thing in the world is to not be giving my money to other people because of past decisions. We would all be better off if we did this.
taylorthetagger wants to learn how to graffiti
learn to do a frontflip
live forever
relearn the piano
See New England in the fall
do my laundry
loose
Learn to speak Spanish
graduate valedictorian
get my own apartment
Meet Branden Steineckert
learn caligraphy
Photography
contact my wolf spirit
be loved
Earn Money
make my friends happy
Go to America
find my passion
shirleynature wants to buy a laptop
become a better manager
improve my writing
live on a sailboat
draw more
be financially independent
feel beautiful again
