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General Chit-Chat Forum Discussion about general topics that are really off topic concerning corn snakes, or just about any old chit at all.

$10,000 Down!
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Old 03-19-2013, 01:12 PM   #11
Outcast
Congrats Pyzik, my wife and I both went through a Dave Ramsey FPU course about a year ago, we are now debt free, and have been working on our babysteps. We are saving up for a car for her, and a gunsafe/more guns for me...LOL

Just remember the debt snowball works miricals if you use it correctly. Pay off something, then take what you were paying to that and add it to the next thing to be paid off... rinse and repeat. After everything is paid off, build savings and investments...
 
Old 03-19-2013, 01:31 PM   #12
tress29
Quote:
Originally Posted by Pyzik View Post
While doing all this we were also setting aside $75 bi-weekly to build up a "emergency" fund of $1,000. This was important because if something were to happen we would have cash on hand rather then needing to use credit for said emergency.
I used a good chunk of my emergency fund when my dog had an ear infection this winter. We had four appointments all together. I'm not done putting it all back, but I didn't have to pay any interest on a credit card!

Congrats on making good progress!
 
Old 03-19-2013, 01:34 PM   #13
MotleyMedusa7
that's great! congrats
 
Old 03-19-2013, 02:15 PM   #14
Pyzik
Quote:
Originally Posted by Outcast View Post
Congrats Pyzik, my wife and I both went through a Dave Ramsey FPU course about a year ago, we are now debt free, and have been working on our babysteps. We are saving up for a car for her, and a gunsafe/more guns for me...LOL

Just remember the debt snowball works miricals if you use it correctly. Pay off something, then take what you were paying to that and add it to the next thing to be paid off... rinse and repeat. After everything is paid off, build savings and investments...
That's what we're doing. What we were putting on the 10k is now going to other debt.
I can't wait to get to the saving part! LOL.

Tress, it's nice to not have to "borrow" from anyone but yourself. We refunded ourselves pretty quick.
 
Old 03-19-2013, 02:19 PM   #15
Outcast
We actually have the $1,000 dollar emergency fund that we keep trying to get up to 6 months worth of bills size... But with the weird pay issues that I have with the VA and my GI Bill from time to time, we have to borrow against it. but, we get it started over at 1,000 pretty often...LOL.
 

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