Dave Ramsey | Forum profile

Quote: Originally Posted by Greebo So we harvested enough food this year to cover our eating needs for a year, so we'll let the rest of this food over here just go to waste on the vine. Why bother collecting it? Waste is waste. I don't stock up on 'food' either. I don't see it as waste, but just like a suprise income come Feb. Some people actually do better with a big check verses say an extra 30 bucks in their...

Yes, I am saying that lower payments = better. With $600 /mo getting freed up soon, is it critical? No - not in this case. I do disagree on one point - if you have a $20,000 paid for car and $15,000 in other debt, the value of that car does matter - you could be debt free in a $5,000 car instead and not losing all that interest!

MY personal IRS refund is not waste as I see it. Why would it be---the few $$ of interset I make off it...??...maybe the few $$ of interest I could make if I saved weekly to offset that big refund......but that is small compared to a big refund where "I might not have none if I didn't save that amt. weekly thru the year. again.....it is best that each works what is best for their own personal use of money and how it should be...

i wonder if jerry rafferty knows how he is affecting the sears economy and bottom line. perhaps they should remove that song from their "muzac". you can listen to dave on the radio archives too. I find the radio archives to be better than the tv show. he is more brutally honest on the radio show. fox he pulls his punches. at Dave website there is a button called "listen now"

CONGRATULATIONS!!!! Love the chain idea!!! Something you can see everyday!!!!

I love the snoopy dance. Snoopy is my favorite!! I wish there was one of those smiley face icons that was snoopy dancing. Good job!!

Hello all...Here is my story on getting my resistant Hubby on Board with the Baby Steps: My family is finally debt-free except for the house in the OC. It took 22 months to pay off about $75,000. We are pretty much house poor since our mortgage is high and the equity is upside down. It is a HUGE turn around because not only are debt free - but we used to spend $30k more a year than we were making!!! In getting debt-free we also cash flowed...

The DH truck has zero interest. Which sounds good to me. /// Greebo if I understand correctly wants you guys to sell the truck and if you can't get enough $$ from the sale, to pay off what is owed against it, is to borrow extra money to do that on another loan. Hence a smaller amount of money to pay back but with interest now. If the loan is ZERO percent, I would think you are best to leave that loan alone and keep the truck for now....

Congratulations! And me too, I love the debt chain idea. Dance, Snoopy, dance!

Love the idea of a debt chain! What a cool visual to use!!