Retire Wealthy Using a Simpler Lifestyle (Dave Ramsey)

Dave Ramsey Web Site ^ | 24 Jun 2010 | Dave Ramsey

[RobRoy]

Absofrickinlutely!

[goodwithagun]

I get some of our stuff there, but I’ve recently discovered that our Kroger marks down organic produce and dairy five days before expiration. Since most of Steubenville’s residents don’t eat that stuff, I take advantage of the bargains and just make sure we consume it quickly! 1 gal. of Horizon organic whole milk- $2.99, 1 lb. organic mesculin mix- $1.49. I also make my own yogurt, it is so easy and cheap! I never have to buy it again!

[Yardstick]

Thank you!

[PennsylvaniaMom]

Hey Greg (waves!) small world. Yes...I need Mr. Ramsey’s tips/mindset/HELP to get two more thru school.

Gulp. That and PowerBall numbers (just kidding).

[caww]

Got rid of my cell....FREEDOM! Oh my gosh how beautiful not getting calls from people who say nothing but want you to occupy their down time! When I leave work...I have car time once again...When I’m out..I’m out on my own and enjoying every minute uninterrupted. It is beautiful not being “ON” call 24/7.

[caww]

I not only gave up the cell phone...but the TV as well...nothing nada...you never realize the drain these have on your life til they aren’t there sucking it dry! I have radio...and computer...landline phone....that’s it and I love it!

Our local Good will has a great book section and movie section....either or is entertainment...I have friends in or go there for meals, stopped going out. Am learning soon how to cook with wine! Thanks to Freepers...

Have baseboard heat in a rental unit, cost a fortune to heat....bought two of those radiator oil filled heaters and zapped my electic bill....plus the heat is so much warmer and very cozy.

I now go to the Dollar store for incidentals etc. q-tips etc. Great savings all around.

[caww]

As for Aldies...the one here has some of the best fresh veggies...I coudn’t believe it! So I go there for them. They do have some specialty foods that are pretty good as well...frozen foods too. Fruit mix is excellant.

[Amberdawn]

Well, stop.

[Amberdawn]

Uhm, Where did I ask for help/advice, etc? You may want to READ the comment from csm to me if you want rude.

[carton253]

Stop what? Posting to you on a public forum? Because you asked so nicely, I’ll stop.

[christianhomeschoolmommaof3]

“Get by without a car payment? In my job, Einstein, one doesn’t get paid without having a vehicle.”

You said this and then people told you how to get by without a car payment. You seem to think that you can’t own a car without a payment. You then proceeded to insult the people that challenged your assumption and answered your question.

We are a single family income ($32,000 a year). With that money alone we are able to pay rent, give 10% of our income to the church, give to two other charities, provide our 3 children with food, clothing and an education, own two used vehicles, and save $500 a month. This would NEVER have been possible without learning the principles in Dave Ramsey’s Financial Peace University. As I said upthread, we were on the verge of bankruptcy because of unemployment before we attended FPU.

You came on this thread telling everyone how hard it was to get by every month. If you don’t want help and advice from people that are debt free and able to save money every month, then your circumstances aren’t likely to change.

[GregB]

Are you from DU?

[Amberdawn]

It’s a miracle!

[Amberdawn]

No, I wrote about how hard it would be to become a millioniare with the many costs associated with everyday living, thank you very much. I didn’t ask for advice either. It helps to read the WHOLE thread before jumping to conclusions....

[Amberdawn]

Are you?

[christianhomeschoolmommaof3]

And yet there are numerous people on modest incomes that are doing just that (becoming millionares). I did read the whole thread and I didn’t jump to any conclusions. You have an attitude problem.

[Ellendra]

Buy costco columbian coffee in the can and make your own before you drive to work. $3 or so every day to get a starbucks works out to $60 a month. A can of coffee is $7 and lasts months.

For those who enjoy those fancy iced coffee drinks: instant coffee granules will dissolve in cold milk just as easily as they do in hot water. I never did develop a taste for regular coffee, but I love almond mochas. I mix 1/2 tsp instant coffee granules, with however much chocolate milk mix I feel like that day (it varies), and a few drops of almond extract into a tall glass of milk, pour into a thermos for work and top it off with ice.

(This also provides enough chocolatiness to help keep me from eying the vending machines all day)

[Ellendra]

I also have pork shoulder for breakfast instead of bacon, saves another 30 bucks... hey this stuff adds up!

Doesn't taste quite the same, but maybe after I get the smokehouse built . . .

[Ellendra]

he figures he won't be around anyway, and they can't come after us kids.

Check the laws on that, they might be able to go after "the estate". But I'm not all that familiar with those laws, and they might vary by state. When I worked for a credit card company, deaths were always handled by a separate department, but I do believe the "Executor of the Estate" had to settle the accounts.