We are trying to get out of debt….we see all sorts of reasons it might not work, but we are trying to be optimistic that we can be debt-free! We are following Dave Ramsey’s baby steps. Baby step #1 (emergency fund) is done and baby step #2 (snowballing your debt) is in progress! 🙂
Project 365 – Day 68, 297 to go!
I need to look into this Dave Ramsey program…
I’m really enjoying it Julie – he’s a lot like Larry Birkette/Crown Ministries who we tried to follow for many years. It’s not so much that he has new things to share, but that Hubs is willing to do the work/make the cuts necessary so we are on the same page! 🙂
Good deal! I love the first step, because the only thing sure about this life is that you can’t be sure what will come up!
Exactly! I love his common sense advice too – listening to his podcast I’m realizing how much people (and I) over think things!
We didn’t just start but paid off 2 of the 3 outstanding debts we are carrying (besides the mortgage). And though the remaining debt is pretty big – if our income holds we can probably have it done in 18 months as well. And we have squeezed more out of our budget and are using the envelope method finally (We’ve tried doing it electronically but it doesn’t work well w/out a smart phone and online banking).