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05-16-2008, 11:36 AM
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#8
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Newbie
Last Online: 07-12-2008 09:53 PM
Join Date: May 2008
Location: Fort Smith, Arkansas (aka Arklahoma)
Real Name: Christie
Posts: 32
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Whoo-hoo! They have that one in the library too!
We wish we had heard of Dave Ramsey a few years ago, and we would probably be debt-free except for the house by now. Unfortunately, we had to move 2x in 17 months due to a job loss by dh (moved from OK to IN in early 2006, dh's plant closed in summer of last year, but company offered him job here in AR), and that really messed us up. We knew that if we didn't start doing something differently, we wouldn't be able to keep the kids in Catholic school (we have a 3rd starting there in 2009!) or just keep up for that matter. We have our $1000EF (plus we're throwing in $60/mo for now) and we budget for EVERYTHING--that envelope system has helped control our spending. Right now we are getting caught up on things like getting our animals to the vet, getting vehicle maintenance done, insulating the attic, etc. I am cashing out my whole life policy and we bought some term insurance last month. Not to mention we had extensive hail damage last month which we have to deal with (the insurance paid out $9600), but we are still having to deal with contractors, or lack thereof, since everyone else is looking for them too).
Our lives seem a lot less stressful (still busy though, with 4 under the age of 10)!
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Posting from the beautiful AR River Valley...
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