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      No. I haven’t read any of his stuff. Wow…

      I wouldn’t have guessed to get out of debt before having the3 months billsin the bank. Since I’m 50,000 in debt just consumer credit card wise…not happening LOL! Add another 17,000 for the van right now and it’s a whopping 67,000 dollars.

      I’ll get his books from the library soon.


      Original Message
      From: Lucy Anderson
      Sent: Monday, July 28, 2008 9:28 AM
      Subject: Re: : Budgeting Issues

      Are you on Dave Ramsey’s babystep program? (can’t remember).

      First step is to have $1000 in savings. Second step to get completely out
      of debt except for house, and third is to put 3-6 months bills in the bank.

      On Sat, Jul 26, 2008 at 11:52 AM, Suzi McMullen <> wrote:

      > Very true. I am going to get the groceries down first and then tackle
      > the rest. For the last few years we have had a very bad habit of spending
      > 300+ per month on fast food, pizza hut etc. Being open 7 days per week and
      > serving 3 meals and 3 snacks per day can become really exhausting.

      So I
      > always tell myself we’ll do it now and then we’ll cook all week. But it
      > doesn’t work out that way. So if I learn to discipline myself to cook no
      > matter what, buy from Angel Food Ministries and follow the sales for
      > everything else, I think I can free up as much as 400-600 per month.

      > really want to get about 3 months worth of bills in the bank. That really
      > ought to be my next step with this savings.
      > Suzi
      Original Message
      > From: J Diane Northcutt
      > Subject: Re: : Budgeting Issues
      > I agree , you can make a budget based on averages for the last few months.
      > If you know some figures for sure ,then put those in that way.

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