Home
Forums
New posts
Search forums
What's new
New posts
Latest activity
Members
Current visitors
Log in
Register
What's new
Search
Search
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Install the app
Install
Home
Forums
Brown Cafe UPS Forum
UPS Discussions
Back to survival mode.
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 1509311" data-attributes="member: 12570"><p>Dave Ramsey was a life saver for me. I was just shy of $50K in consumer debt in 2008 with little hope of digging out all on my own. I bought his Money Makeover, followed the program and was debt free in just under 24 months. While most, if not all, of what he teaches is common sense, he presents it in such a way that you can't wait to pay off that first bill before moving on to the next. </p><p></p><p>I had a binder specifically for this program. On the first page I listed all of my creditors and balance owed, from high to low with the total at the bottom, as of the 1st of the month. I then chose a creditor to start with and put all of my extra money toward that bill while making minimum payments to the others, updating the balances, total paid off and remaining debt on my list along the way. It was a great feeling when there was a zero next to that creditor and I could drop it off of my list for the following month. 24 months later the list of creditors was empty, the balanced owed was zero and the debt paid off was just over $50K. I kept that binder for a couple of years to remind myself of how hard it was to dig out of that hole and to never do that to myself again.</p><p></p><p>While the Money Makeover does have a religious theme to it, you do not have to be a religious person to benefit from his wisdom.</p></blockquote><p></p>
[QUOTE="UpstateNYUPSer(Ret), post: 1509311, member: 12570"] Dave Ramsey was a life saver for me. I was just shy of $50K in consumer debt in 2008 with little hope of digging out all on my own. I bought his Money Makeover, followed the program and was debt free in just under 24 months. While most, if not all, of what he teaches is common sense, he presents it in such a way that you can't wait to pay off that first bill before moving on to the next. I had a binder specifically for this program. On the first page I listed all of my creditors and balance owed, from high to low with the total at the bottom, as of the 1st of the month. I then chose a creditor to start with and put all of my extra money toward that bill while making minimum payments to the others, updating the balances, total paid off and remaining debt on my list along the way. It was a great feeling when there was a zero next to that creditor and I could drop it off of my list for the following month. 24 months later the list of creditors was empty, the balanced owed was zero and the debt paid off was just over $50K. I kept that binder for a couple of years to remind myself of how hard it was to dig out of that hole and to never do that to myself again. While the Money Makeover does have a religious theme to it, you do not have to be a religious person to benefit from his wisdom. [/QUOTE]
Insert quotes…
Verification
Post reply
Home
Forums
Brown Cafe UPS Forum
UPS Discussions
Back to survival mode.
Top