- July 22, 2008 at 3:52 pm #260352
You are not the only one who felt like they were not making any
headway. In the beginning it is slow. Trust me I know.
We were both
in school living on just about nothing and more debt than we knew what
to do with. Then we got pregnant our Senior year of college and even
more debt. So we did a complete 360. After we were done with school
we sat down and looked at our mess. With baby making three we were in
debt to the tune of 94K that did not include the house we bought.
With Dave’s book in hand we made a plan. Took us 4 years. We now
only owe on the house which we hope to pay off in the next 6 years.
It has not been easy we don’t eat out and we only have a handful of
friends who tolerate the fact that we do not use CC. Not to mention
the fact that we choose to be abnormal in our thinking of money.
Knowing that we have money in the bank is the greatest feeling. Now
for the big part. We did all of this on his salary. I stayed at home
with the baby. No he did not make 100K a year we only made 45K a
year for the first two years and we only make 56K now. I worked odd
jobs while he was home and could take care of baby. How did we do it.
We ate a lot of rice and beans, got rid of cars and other stuff we
thought we could not live without. Selling the cars and buying used
cars with cash was a huge help. At first it seemed like we were going
nowhere fast. We would get the 1000 saved up and wham the fridge
broke, get it built back up and the car needed work, get it built back
up and the baby got sick. All I can say is thank God for Dave and his
plan. Before this I would have put it on the card and figured out how
to pay for it later. Not now the little emergencies don’t scare me
anymore. I know the money is their for us to use. That first 1000
was the hardest to save. But we did it. My DH calls me eagle eyes
because I alway find change on the ground where ever we go. Our first
100 dollars I found in the form change everywhere we went. I still
look and you would not believe what people just leave. It’s not
about how fast you can pay it off but rather to get it paid off so you
don’t have that monkey on your back .
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