Heya HB [Wave]
Thanks for reelin' me back in, I kept feeling guilty that I replied to your PM then never logged back in. Besides, I missed the randomness!
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Heya HB [Wave]
Thanks for reelin' me back in, I kept feeling guilty that I replied to your PM then never logged back in. Besides, I missed the randomness!
Hey BC, good to see you pop in.
I wish I had the stuff, time, and motivation to do some of that cool engineering stuff.
But only a temp ban. He's back and he got his new name.
I developed a successful plan to get out of debt. It worked so well for me that I started trying to teach it to friends. Then when I finally looked into Dave Ramsey I saw that my plan was exactly the same as his get out of debt advice.
Kind of like that time I was learning to play guitar in high school and came up with this chord progression that I thought sounded pretty good, only to find out it was the same as Hotel California by The Eagles.
Yeah. It makes perfect sense, but it takes self control and requires a level of maturity that most "adults" these days simply don't have.
I've only listened to a few episodes on the radio, but I downloaded his podcast so I'll have something useful to listen to on my 1.5hr round trip commute every day. Definitely a good guy with good values and it's encouraging to hear that other people's financial situations are much worse than mine, but there is still so much hope! Before I ever heard of him, I developed my own method for paying my bills. I developed a very detailed budget spreadsheet in excel that tracks every penny spent and projects several months into the future, as well as keeping track all the way back to 2010. I also do something similar to his "snowball" to pay off debt: Pay the highest interest loan first, then when that's done, pay more into the next one. Due to changing family circumstances, we are no longer living below our means, and with our move to CA in May, I will barely make enough to pay a mortgage or rent on a place out there... Not very encouraging, but in 5 months, I'll get approximately a $350/mo raise and in 9 months, We'll have some significant loans paid off ($1,200/mo). After that, the only money I will owe is the mortgage (or mortgages, depending on if we rent or buy in CA), so that's good, right? Then hopefully we can build a real savings account and contribute to our retirements.
Hey everyone...
Hot Damn....howdy BC !!! Good to see ya.