Dave Ramsey Total Money Makeover

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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

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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