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      — In Budget101_@yahoogroups.com, “drivenindividuals”

      wrote:

      >

      > Hey guys. Just joined the group. has anyone read that book yet?

      this

      i

      > haven’t been able to get enough of it. it’s the total money makeover

      > by dave ramsey! he goes through baby steps on how to eliminte debt.

      > some of the testimonial are really inspirational! this one couple

      paid

      > of about $80,000 worth of debt in only a couple of year, on a very

      > modest income! very good read!

      >

      I have noticed that those who pay off huge amounts of debt in a short

      time usually have huge incomes already and are just simply wasting it

      away to begin with.

      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.

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