Dave Ramsey Fan Girl blasting through BS2 .. to be DEBT FREE !!

mumofthetwins

Hi Guys

So I used to be semi regular Face here a year or so ago but I became side tracked by Mr Ramsey oh and running a marathon

Back story ..

There’s me Lisa who is now in the over 40s bracket :eek:, my Twin 17 year old boys who are guitar playing gaming angels (or so I like to think) and Molly my little girl (even if she is of the K9 variety)

My boys are my huge why .. why I try to stay fit and healthy and why I have to get in a better financial position.
They are both studying A Levels .. one wants to do cyber security/programming and the other Law, he has actually been accepted and is doing a pathways to law program which will help with uni offers and his carrier in general, oh and he’s also applied for a scholarship which would pay his uni fees .. . fingers crossed but chances are slim (as they say gotta be in it to win it though 😉) .. all these things he applied for without telling me :T:T:T

I work 2 jobs .. I’m a research scientist at my local university by day but by night (and Saturday mornings) I’m a lbs busting WW Coach, oh and I also ebay like a crazy lady in any spare time

I don’t earn a fortune but I live up north and I try to keep living costs to a minimum .. I’m weird as I get a better buzz (yep I know I’m old) out of colouring a square on my pay off chart than going out with the girls round the town.

The yucky bit ..

I started January 2019 with just under £30,000 worth of debt :eek: .. with the help of Dave (my most non family favourites person) I have paid off over £18,000. I have just over £11,000 left of BS2 but I have added what is left of my mortgage on top which is an additional £25,000 .. best bit is I’m hoping that by keeping on here and with your help and that of the saviour which is Dave Ramsey and his baby steps I should be completely Debt Free by May 2021 :T:T:T

So I’m planning on trying to update here everyday with my triumphs and tribulations and any fab finds along the way ..

So thanks to anyone who has read this far and anyone in the same boat as me .... WE CAN DO THIS !!!

Lisa x

LadyP01

Heyyyyyy welcome!!!!! Love the Dave Ramsey method. Fantastic debt busting in 2019 your smash that 11k this year, best of luck

Bella19

Happy new year! Well done on clearing so much debt already!! I am also a Dave Ramsey fan, almost out of BS2 but have £450 to go should be BS3 in February ��. Keep colouring in those squares and you'll get there! ��

FootyFanDan

Hey

Happy New Year

Wow what a fantastic amount you have paid off already. I have stumbled across Dave Ramsey on u-tube the other day and thought this is a method I could certainly go by and will be looking into it a little more.

Here is to more debt busting in 2020. Good luck

mumofthetwins

Thanks guys .. it’s amazing how i can go from expecting to be in debt until my 60s to fingers crossed completely debt free next year .. Dave is a proper brain washer (in the best way possible lol)

Bella you have done amazing and bring on BS3 in February .. you Rock Mrs :T:T:T

So tonight was the first night in ages I have sat and watched TV and just saw the new Dracula on BBC .. holy moly it was good BUT it’s on the next two nights and I’m at work from tomorrow .. boooooo (I may have to see it on iPlayer )

So offs to bed for me now but hopefully I should wake up tomorrow with £400 off the mortgage and I get to colour in a few more squares :T

Nighty nighty debt freeers and with tomorrow comes another NSD 🤞🏻

mumofthetwins

FootyFanDan wrote: »

Hey

Happy New Year

Wow what a fantastic amount you have paid off already. I have stumbled across Dave Ramsey on u-tube the other day and thought this is a method I could certainly go by and will be looking into it a little more.

Here is to more debt busting in 2020. Good luck

Honestly hun .. it’s the best .. I like 1 million % recommend it .. it’s a game changer .. mind you do become slightly obsessed

P.S the podcasts are amazing

Right defo off to bed now otherwise I will need even more poly filler for those wrinkles in the morning lol 😆

LoreDolan

mumofthetwins said:

Hi Guys

So I used to be semi regular Face here a year or so ago but I became side tracked by Mr Ramsey oh and running a marathon

Back story ..

There’s me Lisa who is now in the over 40s bracket :eek:, my Twin 17 year old boys who are guitar playing gaming angels (or so I like to think) and Molly my little girl (even if she is of the K9 variety)

My boys are my huge why .. why I try to stay fit and healthy and why I have to get in a better financial position.
They are both studying A Levels .. one wants to do cyber security/programming and the other Law, he has actually been accepted and is doing a pathways to law program which will help with uni offers and his carrier in general, oh and he’s also applied for a scholarship which would pay his uni fees .. . fingers crossed but chances are slim (as they say gotta be in it to win it though 😉) .. all these things he applied for without telling me :T:T:T

I work 2 jobs .. I’m a research scientist at my local university by day but by night (and Saturday mornings) I’m a lbs busting WW Coach, oh and I also ebay like a crazy lady in any spare time

I don’t earn a fortune but I live up north and I try to keep living costs to a minimum .. I’m weird as I get a better buzz (yep I know I’m old) out of colouring a square on my pay off chart than going out with the girls round the town.

The yucky bit ..

I started January 2019 with just under £30,000 worth of debt :eek: .. with the help of Dave (my most non family favourites person) I have paid off over £18,000. I have just over £11,000 left of BS2 but I have added what is left of my mortgage on top which is an additional £25,000 .. best bit is I’m hoping that by keeping on here and with your help and that of the saviour which is Dave Ramsey and his baby steps I should be completely Debt Free by May 2021 :T:T:T

So I’m planning on trying to update here everyday with my triumphs and tribulations and any fab finds along the way ..

So thanks to anyone who has read this far and anyone in the same boat as me .... WE CAN DO THIS !!!

Lisa x

Hi! Do you read his books or have you done his course? Where do I start to learn about him? Thanks!

On_my_way

LoreDolan said:

mumofthetwins said:

Hi Guys

So I used to be semi regular Face here a year or so ago but I became side tracked by Mr Ramsey oh and running a marathon

Back story ..

There’s me Lisa who is now in the over 40s bracket :eek:, my Twin 17 year old boys who are guitar playing gaming angels (or so I like to think) and Molly my little girl (even if she is of the K9 variety)

My boys are my huge why .. why I try to stay fit and healthy and why I have to get in a better financial position.
They are both studying A Levels .. one wants to do cyber security/programming and the other Law, he has actually been accepted and is doing a pathways to law program which will help with uni offers and his carrier in general, oh and he’s also applied for a scholarship which would pay his uni fees .. . fingers crossed but chances are slim (as they say gotta be in it to win it though 😉) .. all these things he applied for without telling me :T:T:T

I work 2 jobs .. I’m a research scientist at my local university by day but by night (and Saturday mornings) I’m a lbs busting WW Coach, oh and I also ebay like a crazy lady in any spare time

I don’t earn a fortune but I live up north and I try to keep living costs to a minimum .. I’m weird as I get a better buzz (yep I know I’m old) out of colouring a square on my pay off chart than going out with the girls round the town.

The yucky bit ..

I started January 2019 with just under £30,000 worth of debt :eek: .. with the help of Dave (my most non family favourites person) I have paid off over £18,000. I have just over £11,000 left of BS2 but I have added what is left of my mortgage on top which is an additional £25,000 .. best bit is I’m hoping that by keeping on here and with your help and that of the saviour which is Dave Ramsey and his baby steps I should be completely Debt Free by May 2021 :T:T:T

So I’m planning on trying to update here everyday with my triumphs and tribulations and any fab finds along the way ..

So thanks to anyone who has read this far and anyone in the same boat as me .... WE CAN DO THIS !!!

Lisa x

Hi! Do you read his books or have you done his course? Where do I start to learn about him? Thanks!

He has loads and loads on You Tube so you can listen for free and while you declutter/find things to sell to contribute towards your emergency fund etc

savvysarah

Hello! Just popping in to say happy new diary from a fellow DR fan - I'm back on BS1 so will be here on the boards with you for a while! You've done brilliantly so far, I'll be watching your progress 

Andyjflet

Dave Ramsey for me too, changed my ways, I mainly just listen to the Podcasts

[Deleted User]

DR over here too. Just over half way through BS2. Look forward to watching the rest of your journey.