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Having confirmation is very fast and not difficult. It’s enough if you have inadequate credit scores, because credit isn’t evaluated with offers.
While you wait a transfer sent from your checking account.
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That was a lot cheaper than a newer one that was smaller for $500. Plus, in the last 20 years they haven’t become more efficient so there’s no cost savings on the electric bill.
I bet you could fix your dryer yourself. I watched YouTube videos and it works like it is brand new.
I even fixed the sensor wet/dry cycle that hasn’t worked in years. I don’t care for that option because the heavy clothes never get quite dry, but it’s a choice now. Give it a try. You could learn something new and save a ton of money!
Well as I warned you I have been working on blog posts ever since I have been home. I had been putting off posting about them to try and put them up in the order we visited the places. However, due to editing work on some of the posts I have not posted about the ones that were already up. Thinking I would put them up in happening order while I had daily access to wi-fi.
Well it looks like, maybe, just maybe our camper is going to be ready sooner than we thought (keep your fingers crossed) so I’ve decided to go ahead and let you guys know of the ones that are up with all the links active so far so I can spread them out and not overwhelm you.
So let’s start with our revisit to the College of the Ozarks, aka: Hard Work U. This series of posts (3 in total) are about the various things we did on the campus and reviews of those items. Most of which were FREE to see/do. So if you are interested here is the first post, with a link in it also back to when we visited it last fall.
Why would collecting rainwater in rain barrels be a bad idea or illegal? Just trying to understand the concern and why it would ever be illegal. Have I missed something in the thread? Is it because it is considered gray water in some way?
We have rain barrels and use the collected water in our yard and garden. My assumption is that would the use of the water barrels mentioned below.
Our insurance is covering the roof damage. We are getting a new roof! I was super worried we would need to cover it out of our emergency fund. I am feeling super blessed right now.
They are cheaper than mutual funds and are basically mutual funds you can buy/sell during trading hours. DR thinks people will just day trade ETFs and he is completely wrong. Yes, you could just like stocks, but most intelligent investors know better. I buy on big dips in the market, like the Friday of Brexit. Market was down 500 points and I bought some shares. Then at the end of the day the market went down to 611. If you bought a mutual fund, your NAV settles at the 611 down prices, while I was able to buy at the 500 down level. I have also bought when the market is down and during the day the market went up. I don’t know why DR can’t just say ETFs are good, just don’t day trade.
We are about 4 years away from retirement. We both have pensions we vest in within 2-4 years, so it seems silly to walk away from a potential $60K a year. We plan to never spend another summer in Houston once we retire.
Our trips this year have been to London, New Orleans for a cruise and we are going on another cruise in September from NY to Canada and going skiing in Tahoe for Xmas. Life is good.
I am Janina in Atlanta, GA. I’ve been working the Dave plan since April 2014. Still on Baby Step 2. Feel SO much more optimistic about life working with my finances in this way. Looking at my workbook, I started with my total non-mortgage debt at $28,873. That was 3 credit cards/plans, and my student loan. It is now ~$11,000, and that is exclusively my student loan. This time next year (if not earlier) I hope my student loan will be a vague memory. Have my initial emergency fund PLUS. I am workin really hard in this Gazelle mode. Currently work permanent p/t as a grant proposal writer, have a contract for another writing gig, teach yoga and do voice-overs and audiobooks. I am planning to continue this push through the end of 2016, at which point, I plan to let go of the contract. (This gazelle is gettin really tired of running.) If I’m lucky the student loan will be paid off by then, but at worst I should be left with ~$3,500.
Really grateful for starting the Dave plan. I had a moment today that reminded why this is so important. I budgeted money for HVAC maintenance. (Air conditioning is CRITICAL in Atlanta this summer.) I used Angie’s List to pick someone and used one of their sales.The guy came by today. Not surprisingly, there was work to be done beyond what was prepaid. To the tune of $600. I think it’s worth it. But because I have the money, there was no panic, I just transferred the funds and can keep stepping. What a wonderful feeling.
I’m single, child is 28 and lives in another state.She’s doin really well. Even though I came to FPU at 53, I was able to draw her into it. And I’m proud to say she has no debt and is an FPU coordinator.
My husband is disabled and we are on baby step seven. We became totally debt free including the house in 2013. Since then we have done a bunch of traveling and theme parks. Right now we are beefing up our emergency fund. I have one child starting college in 2017 and another starting early college this August. They are going to college in cash baby! I want some extra savings just in case. I am thankful I found this group. Everyone here helped me stay motivated to reach our goals.
DH and I took the DR class back in late 2011. Started that class with about $35K in consumer debt + a mortgage + a business which wasn’t making money, and I’d just been laid off. At least we owned our vehicles free and clear. DH and I were fighting almost constantly about money; what to spend it on, what was more important or less important, how to get the business back on track, etc etc. Lots of water under the bridge and lots of marriage counseling, here we are in 2016, in much better shape. The consumer debt is down to about $10K, we pay off our house in less than 2 years (I’ll sure be yelling for that one) and we’re doing a lot better with both the marriage and the business. I used to hate the song “My Future’s So Bright I Gotta Wear Sunglasses”, but at last we’re starting to see the light at the end of the tunnel. It’ll feel awesome as we move into our business being profitable, getting the house paid off and getting the consumer debt GONE. Won’t necessarily happen in that order, but I’m thrilled it’s going to happen at all, and probably all within the next two years. If you’d asked me prior to DR if any of this was possible, I would have said NOPE. Yet here we are. Ain’t easy, but it’s worth the hard work.
Hmm, not much to tell. Single, early 50’s, no kids of my own. Debt-free except for the house. Started with about $55,000 CC debt and $10,000 student loan debt in April or May 2007.
Paid it off in August or September 2012 even though I had been laid off that January. Still on BS 3, but I’ve cash flowed several trips(bowling trips and trips to rocket launches).