Dave Ramsey Total Money Makeover

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In perspective I make $13.00 an hr on salary with no overtime and

have severe arthritis that prevents me from working the overtime and

part time jobs that dave suggests you have.

I am not lazy just in terrible pain most of the time.

I would guess most working people make around the same income give or

take.

There just arn’t jobs here in south eastern Mich

After taxes,insurance,to the bone utilities,and a $38 two week food

budget, medical bills that are on credit cards and a car pmt etc it

is very difficult to pay these cc bills off and with gasoline so high

now all my “extra income” is gone.The total cc bills are $600 a month

and not a whole lot left for rent and utilities.

I have a strict budget that is to the penney,and pretty much daves

way,I work it every day as it is fluid.

I could probably teach my own budget class as I can squeeze and pinch

evey penny( hmmmmm Idea)

The debt snowball I have is for 6 loans and cc bills for $22,000 and

will be paid off dec 2010 if i stick to the budget and work the

snowball, but not in the near future as most of daves listeners seem

to be able to pay off so quick.

i suppose another job would help but but even at min wage,taxes.gas

etc it still would be quite a strech and then theres the physicall

problem.

its the extra nickels and dimes and a few dollars and found soda

bottle returns that are paying the debt down.

it takes dilligence to pay debt off.

good luck to all of you.

lets keep giving ideas out and keep up the support

with a — in Budget101_@yahoogroups.com, “enjoycooking1952”

wrote:

>

>

> I’m so glad that I’m not the only one with a modest income. I feel

> like I’m doing something totally wrong when I hear that people are

> able to pay their debt off fast, ugh ! I have only a few pennies

left

> over after paying the bills and then get upset wondering what I’m

> going to do until next pay. So, to pay debt off is very

stressful.

>

> Thanks ! Sheila

>

> > Someone like myself with a very modest income and after paying

the

> > nessasary bills has only a few dollars to pay extra on debt,

there

> just

> > isnt any money left to make a differance.

> > I will still have five years with monthly payments to pay down

about

> > $22,000

> > It Doesn’t seem like a huge amount but when it isn’t there it

really

> > seems out of reach,but someone making a household income of

120,000

> can

> > realisticly pay off 80,000 in a few years of tight budgeting.

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