[Marie]

It was the whole concept of using credit as our “emergency” fund that got us into trouble to begin with.

At first we closed all the open lines of credit that we hadn’t used in yearsl. Accounts we’d closed a decade a go were still on our credit report as open.

Then, as we paid off debt, we closed or reduced our available credit to avoid temptation.

On August first we’ll pay off the last of our non-mortgage debt. After that we’ll start working on a $15,000 emergency fund. After that, we pay off our land. Then we start saving to pay cash to build our dream house.

So close! :)

[Joan Kerrey]

Then we start saving to pay cash to build our dream house.

So close! :)

---

Great plan and good luck. I hope government tinkering with your excess cash and owned property will not affect your plan too much. In the society The One envisions there should be no need for money or private property.