Dave Ramsey Total Money Makeover

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whoo hooo keep it up

— in Budget101_@yahoogroups.com, Ria wrote:

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> Wow, Nicole – you sound gazelle intense!

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

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> Ria

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> — 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

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

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

minivan.

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

creditcard.

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

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

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

less

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

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

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

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

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

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

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

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

husband

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

would

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

it

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

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

have

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

mortgage.

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> Nicole

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