Dave Ramsey Total Money Makeover

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Thanks Keith. I’ll look at it differently. I got myself a small notebook to write everything down I spend so I can see where I’m making my mistake.

Sheila

— On Wed, 7/23/08, Keith wrote:

From: Keith
Subject: Budget101.com : Re: Dave Ramsey Total Money Makeover
To: Budget101_@yahoogroups.com
Date: Wednesday, July 23, 2008, 4:52 pm

— In Budget101_@yahoogro ups.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.
> >
>
SHEILA, I too also used to be stressed about the debt and bills
But now I view it as a game and try new ways to cut the bills and
utilities,got my electric bill down to $18 last month was 12 the
month before with out the ac.
it helps to realize you can’t let it stress you out.

there isnt a
whole lot you can do about it so make a game out of it and squeeze
every nickle you can.

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