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Old 02-25-2012, 07:44 PM   #21
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Budget, budget. I don't need no budget.... Lol. Once n awhile I check my balance & it's either great r oh ****.

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Old 02-25-2012, 07:57 PM   #22
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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.

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Old 02-25-2012, 07:57 PM   #23
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Originally Posted by chopper View Post
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.
I'm Bloggin'

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Old 02-26-2012, 08:31 AM   #24
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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.

The more you live, the less you die" - Janis Joplin
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