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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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