Dave Ramsey's Town Hall for Hope is on Hulu now! We've only been checking like 5 times a week since he held it ;) They had the day after and day before, but now it's up. We'll be watching it tonight after the little ones are in bed.
Read more...Thankfully most people have heard of Dave Ramsey by now, so when we show up somewhere with an envelope full of cash, we can just explain, 'we're doing Dave Ramsey' and they get it. That explains our older paid for car, that yes, we would rather pay $250 every 3 months or so to repair than have a $350 car payment monthly. It's a decent, but loud, 92 izuzu rodeo that gets okay gas mileage and easily fits 3 car seats in the back seat. What more could you want? Works for me..
Read more...I started back up in credit counseling yesterday. Hubby and I were re-going over our Dave Ramsey budget, and while we can make our payments on the credit cards, the 28% interest on First Financial is killing us. $80 in finance charges each month. We had been in credit counseling (we went through consumercredit.org) two years ago, but stopped a little over a year ago because we could no longer make the monthly payment of $400 or something like that. We sold some property, paid off a couple credit cards, settled with one, and now are down to First Financial, Discover, USAA, and Sallie Mae (student loan). First Financial is nasty nasty nasty on the phone, they do the good cop, bad cop routine, and if I don't pick up, they call and harass my parents. Which is illegal, but they do it anyway. So we're going to try and get the rate down so we can actually make some progress on the account and get them out of our lives. If it weren't for contacting my parents, I'd likely just let them go and settle with them after we get a tax refund (we're broke, so we get the 'un' earned income credit). But I don't want them to harass them, so hopefully this works and we can make some progress.
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