Budget

[Nick Edwards]

Budget, budget. I don't need no budget.... Lol. Once n awhile I check my balance & it's either great r oh ****.

 

[roadfix]

Best thing I did when we bought our home was to go with a 15 year mortgage. Saved a ton of money in interest. Last mortgage payment was made over 5 years ago, then the economy started to turn for the worse. At this current state I would not be able to continue the mortgage payments had I gone with the conventional 30 years.

 

[bakechef]

And...now that everything is under control (most importantly me), I am using my credit card for almost everything and paying it off each and every month. It is a money maker because I don't pay interest, and I get rewards back on it. A win-win for me!

Same here, last year I earned $300 in rewards without a penny in interest or fees!

For a while after getting out from under, I was scared to use a credit card, now I see the benefit of being very disciplined.

 

[SherryDAmore]

For those who are interested: Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan - daveramsey.com There is a Dave Ramsay support thread on HotCouponWorld.com.

I know two people who have followed it, and have been successful.