Dave Ramsey

Hey everybody! It's a dreary Tuesday here in Montgomery, Alabama. I was reading from a friend's blog how she had just purchased Dave Ramsey's book to help with their finances and to pay off debt and I have checked the book out and I think it's a great idea. We just got out of the military and we're getting paid less than we were while in the military so we're going to have to be on a tighter budget. I am hoping we can pay off our debt. Luckily we didn't go crazy with gaining debt but we do have Steven's truck loan, my school loan, and his school loan. We have NO credit card debt and I am super proud of that :]. Dave Ramsey's plan talks about paying off your smallest loans first, so I think we will try to tackle Steven's school loan since it's the smallest. After that, Steven's truck loan and my school loan are almost even at about $6,000 each so I think we will tackle his truck loan after that since it has a higher monthly payment. Then finally we'll go after my school loan. I would love to see us totally debt free, that would be awesome! I just have to be careful because I'm not working at the moment and Steven's not in the military anymore so his job is not guaranteed :/ It does make me nervous, but he enjoys his new job and if it makes him happy, then that makes me happy! I just have to figure out how to budget better for food and come up with some cheap but good things to do for meals. We are about to switch our phones to prepaid phones that pay by the minute because we have a home phone that came free with the internet and cable we have. So we don't really need smart phones since we already have internet at home. Since we have a home phone line we don't really need fancy phone plans either. I just would like to have them incase of emergencies, so we will do the prepaid pay by the day plans, so we only have to pay if we use our cell phone on that certain day. Seems like a good plan, so we'll see how that turns out. I'll keep you posted on our progress of everything! Reid is awake from his nap so now we need to figure out something to do until Steven comes home for lunch. I LOVE that he gets to come home for lunch now :] He never got to come home when he was in the Marines because they were always so busy.