*The Dave Ramsey 'Baby Steps' Thread*

[Starport Seven-Five]

I think lots of good Ramsey advice being reinforced. I would also say you need to eat out 0 times a week. You said you went from 14 to a few of which those few a couple are required for work. I can tell you that it is embarrassing but when there are other paying diners some restaurants will allow a brown bagger to sit with the others. Maybe suggest to the coworkers that these eat out meetings start to be eat in meetings and then everyone goes for a walk after.

I was screaming the same reading that post!

Its not going to be pleasant but this needs to be treated like an emergency for a couple years to get on track. Eating out 4-5 times a week and taking 5 years to pay off debts is not taking this seriously enough considering the age and status of retirement accounts.

 

[EP Ripley]

I was screaming the same reading that post!

Its not going to be pleasant but this needs to be treated like an emergency for a couple years to get on track. Eating out 4-5 times a week and taking 5 years to pay off debts is not taking this seriously enough considering the age and status of retirement accounts.

I completely agree. Eating out and vacation should be at 0 a month. Sorry it sucks and I know this from a deep personal level but it’s the most realistic cut

 

[Nettlelondon]

I completely agree. Eating out and vacation should be at 0 a month. Sorry it sucks and I know this from a deep personal level but it’s the most realistic cut

I agree that eating out and vacations should be at zero but sometimes things have to be done in a sub-optimal way, especially when only 1 of the 2 involved are on board with trying to get out of the pickle that they are in.

Too many cuts and the resistance will turn in to rebellion, leaving them further behind than they started.

There have been massive steps made, as posts on the Debt Dumper thread will attest, but unfortunately there is still a long way to go. Keep plugging away, make the search for additional income a priority via any and every route possible and send as much as possible to those debts (whilst trying to prevent your wife incurring more).

I think the suggestion to look for another church that is running the DR course sounds like a really good one, especially if you can persuade your wife to join you.

Good luck.

 

[ThereYouSeeHer]

I just found this thread. We LOVE Dave at our house and have followed his advice for years. We are on Baby Step 7 now and were able to pay off our mortgage last year. Don't give up, keep on doing it! It is hard but so worth it!!!!!

Congratulations on Baby Step 7! Paying off the mortgage is such a big milestone!