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      — In Budget101_@yahoogroups.com, “Nicole” wrote:

      >

      > Suzi. Just keep plugging away. Some people like to make a chart or

      > pop balloons after they pay so much off. It helps. We have $152,000

      > to pay off. It will take us at least 10 years in the most ideal

      > situation. It most likely will take longer…You know what though.

      I

      > would rather work hard to pay the debt off than always working and

      > living the same but not making much progress because I wasn’t

      > budgeting, cash flowing and doing the snowball thing.

      >

      > We are in a much better place than a year ago. If the gas, grocery

      > and other prices continue it will take much longer. Grr.

      >

      > Nicole

      >

      >

      > — In Budget101_@yahoogroups.com, “Thomas & Tracy Harris”

      > wrote:

      > >

      > > ok, look at it this way, you can either take those 10 years and

      pay

      > off the debt, and have a light at the end of the tunnel, OR, you

      can

      > keep up the status quo for the rest of your light.

      > >

      > > It doesn’t matter if it takes 1 day, 1 month, 1 year, 1 decade,

      > whatever, you pay off the debt, you make permanent changes in your

      > life, and then move forward.

      > >

      > > Thomas & Tracy Harris

      > > tnt quarter horses home of:

      > > tnts jack be blue – 2004 aqha buckskin stallion

      > > tnts medicine man – 2005 AQHA Perlino Stallion

      > > [url][/url]

      > >


      Original Message



      > > From: Suzi McMullen

      > > To: Budget101_@yahoogroups.com

      > > Sent: Wednesday, July 23, 2008 11:08 PM

      > > Subject: Re: Budget101.com : Re: Dave Ramsey Total Money

      Makeover

      > >

      > >

      > >

      > > I totally understand you! I too can’t do any more. I already

      > have daycare kids in my home every single day and night. i am open

      > 24/7. I even took 6 kids to the hospital the last time I gave

      > birth. Oh and I’ll need at least 10 years to pay off my 50,000

      worth

      > of debt.

      > >

      > > Suzi

      > >

      >

      I have $22,000 in debt and with an average income and with gas and

      food going higher and higher I can pay off my debt in jan 2011 with

      the baloon method.And if I apply every nickle I find on the ground

      maybe a month sooner.Keep plugging and keep good charts of your

      progress it is a good lerning tool

      KZ

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