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      whoo hooo keep it up

      — in Budget101_@yahoogroups.com, Ria wrote:

      >

      > Wow, Nicole – you sound gazelle intense!

      >

      > Good luck with your pregnancy, and keep us posted on your progress!

      >

      > Ria

      >

      > — On Tue, 7/22/08, Nicole wrote:

      > From: Nicole

      > Subject: Budget101.com : Re: Dave Ramsey Total Money Makeover

      > To: Budget101_@yahoogroups.com

      > Date: Tuesday, July 22, 2008, 4:04 pm

      >

      >

      >

      >

      >

      >

      >

      >

      >

      >

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      > long story short we have read the total money makeover

      and attended

      >

      > fpu classes. we paid off bills, medical deductables, $1,000 in the

      >

      > bank, 1 credit card $1,000 and we started snowballing on my

      minivan.

      >

      > We ended up refinancing our home and paid off the car and

      creditcard.

      >

      > Since spring we have been saving money in order to move. My husband

      >

      > is hopeful to get a job with moving expenses and a sign on bonus

      >

      > and/or student loan repayment offered. We also hope to move to a

      less

      >

      > expensive home. We were able to pay for 2 large purchases that we

      >

      > felt we needed and are saving money for a birth (although I have a

      >

      > threatened pregnancy-we will just have to see). Right now we are

      >

      > going to sell our van and put money back in the bank in our Orange

      >

      > account (which isn’t making much money anymore). We are planning on

      >

      > moving, we just do not know where. When we do we will be using the

      >

      > equity to pay off the private loan and at least 10% down on a home

      >

      > (hopefully a less expensive home) and live close to work (My

      husband

      >

      > drives 50 miles a day). The Total Money Makeover is great but I

      would

      >

      > highly recommend going through fpu. we made some small changes and

      it

      >

      > helped us tremendously. we still owe a ton in debt but it is

      >

      > manageable. i have met a handful of people who attended fpu who

      have

      >

      > paid down $30,000 in debt and others who have paid off their

      mortgage.

      >

      >

      >

      > Nicole

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