Used no credit counseling service, just listened to Dave Ramsey.
“After getting rid of all credit but the home mortgage, we got rid of that too, $90,000 in a year and a half. Was layed off three fourths of the way, but still did it. Used no credit counseling service, just listened to Dave Ramsey.”
NICE JOB!!! The whole key is to look at the small expenses and cut them out. It’s not that hard, and you wake up the next morning with less debt, but still feel human (i.e., most of those expenses simply aren’t needed).
It amazes me how many of my co-workers buy Starbucks a couple of times, some snacks, and then go to lunch. They’re out $20 per day, out of pocket, for stuff that would otherwise add up to $2 per day if spent more carefully (i.e., supermarkets, or especially Sam’s Club).
By the way, that $20 per day is about $5,000 per year. If the misses does the same, then $10k per year (i.e., in 3 years, at most, you could buy a new car with cash).