Getting out of debt

moonflower09
moonflower09 Posts: 91 Member
edited October 2024 in Chit-Chat
I lOVE this MFP site. Does anyone know of anything similiar for finances? I would love to find a support group for getting out of debt. Thanks!
«1

Replies

  • Trixtabella
    Trixtabella Posts: 471 Member
    Haha me too, that would be awesome, I manage on my own ok but help in that area would also be brilliant.
  • lgwmab
    lgwmab Posts: 274 Member
    I don't know either, I have a great spreadsheet that can be used for bill paying and budgeting.
  • lynxcoco
    lynxcoco Posts: 58 Member
    This may by your chance to take an idea and run with it...i.e., facebook, google, myspace...and oh yeah My Fitness Pal...please remember to send me my royalties check...I don't have the patience to take on any new ventures but I will support you...:smile:
  • cassondraragan
    cassondraragan Posts: 233 Member
    www.daveramsey.com

    Dave Ramsey's Total Money Makeover or Financial Peace University. Using his steps we were able to pay off $50,000 and save a 6 month emergency fund. We are working on saving money for house repairs right now, but when we are done we will start working on paying our house off early. It has totally changed our lives and our marriage! Now, we are focusing on getting our bodies debt (fat) free! haha.
  • mommared53
    mommared53 Posts: 9,543 Member
    www.daveramsey.com

    Dave Ramsey's Total Money Makeover or Financial Peace University. Using his steps we were able to pay off $50,000 and save a 6 month emergency fund. We are working on saving money for house repairs right now, but when we are done we will start working on paying our house off early. It has totally changed our lives and our marriage! Now, we are focusing on getting our bodies debt (fat) free! haha.

    I'll have to check that out when I get home.
  • rmartin72
    rmartin72 Posts: 1,085 Member
    Your right Dave Ramsey's is a wonderful way to get out of debt!! Do anyone know how to correct your Identity problem if it has been stolen?
  • noexcuses1218
    noexcuses1218 Posts: 332 Member
    bump!
  • ninerbuff
    ninerbuff Posts: 49,043 Member
    Nothing like being debt free. We're almost there. Van will be paid off in May of next year and furniture too. No credit card debt. Next we'll work on the mortgage.
  • Qarol
    Qarol Posts: 6,171 Member
    Debt free is my favorite topic of conversation. We're debt free. We paid off our mortgage in 4.5 years (June 2010). No school debt. Nothing.

    I enjoy fivecentnickel.com. It's not exactly a community like this one, but it's fun to read.
    I also like this woman...gailvazoxlade.com/blog
  • moonflower09
    moonflower09 Posts: 91 Member
    :happy: I really appreciate everyones wonderful feedback. I cant wait to look these up. Thanks everyone!
  • moonflower09
    moonflower09 Posts: 91 Member
    Thank you for your wonderful suggestions!
  • justimogen
    justimogen Posts: 76
    I also like this woman...gailvazoxlade.com/blog
    I am also a fan of Gail Vaz-Oxlade! She is wise and very witty...and REALLY helped me find my way out of debt. :)
  • cassondraragan
    cassondraragan Posts: 233 Member
    Your right Dave Ramsey's is a wonderful way to get out of debt!! Do anyone know how to correct your Identity problem if it has been stolen?

    Dave Ramsey endorses Zander insurance and they have an identity theft insurance...I may be mistaken but they may still help you if you sign up...worth a shot.
  • questionablemethods
    questionablemethods Posts: 2,174 Member
    Debt free is my favorite topic of conversation.

    Me too! Oh, I am such a nerd.

    And yeah, I second (third, fourth) the recommendations for Dave Ramsey. He has a free podcast. I listen all the time even though my husband and I are debt free except the mortgage and I know pretty much exactly what he is going to say. I like the positive reinforcement and motivation that he provided.
  • moonflower09
    moonflower09 Posts: 91 Member
    I signed up for Dave Ramseys. I have all my financials in front of me. I am anxious to get started!
  • jpburcham
    jpburcham Posts: 98 Member
    I feel compelled to jump in on the Dave Ramsey topic. I'm a big fan!
    I've coordinated * of his "Financial Peace University" classes.
    I've had almost 200 people come through these classes - and most of them have made good progress.
    I'm also one of Dave's Certified Counselors - I've drunk the kool-aid ! :)
    And completely debt free - Yep - House and all -

    just a note: you will get out of any program just what you put into it. There is no such thing as a quick fix to most problems.
    Just like our weight journey, the debt journey is hard, and sometimes it seems like it would be easier to just quit and go back to our old ways. No one said that it would be easy . . . . BUT IT'S WORTH IT !!

    Feel free to add me as a friend if you'ld like to.
  • pa_jorg
    pa_jorg Posts: 4,404 Member
    Not a support group, but a helpful finance site is www.mint.com
  • TheRoadDog
    TheRoadDog Posts: 11,788 Member
    Several years ago, my company offered the Dave Ramsey Course and they paid for it. I signed up. After the first night, I went home and told my wife that she needs to come to the classes with me. We attended them all and immediately put the concept into practice.

    It's not rocket science and it definitely works. We had a fair amount of debt at the time. We are now virtually debt-free. We still have a mortgage and some household expenses, but very little credit debt.

    Good Luck.
  • morganhccstudent724
    morganhccstudent724 Posts: 1,261 Member
    creditkarma.com

    Reviewes debts and credit score
  • stephr2014
    stephr2014 Posts: 311 Member
    I love the dave ramsey method!
    Ive been wanting to attend one of the classes.
  • Juliane1986
    Juliane1986 Posts: 138 Member
    I truly feel like David Bach is an amazing person to seek out financial advice from when you are in debt. His books changed my life. They are quick and easy reads. He keeps everything easy to understand and lays out the exact steps you need to take to get your finances in order. I have probably about 4 or 5 of his books. Please check out his website. There are tons of resources on there as well. Smart Women Finish Rich is a great book but I'd start with Start Over, Finish Rich. I swear you'll not be able to put it down. I read it in 2 days.
  • chocolateandvodka
    chocolateandvodka Posts: 1,850 Member
    www.daveramsey.com

    Dave Ramsey's Total Money Makeover or Financial Peace University. Using his steps we were able to pay off $50,000 and save a 6 month emergency fund. We are working on saving money for house repairs right now, but when we are done we will start working on paying our house off early. It has totally changed our lives and our marriage! Now, we are focusing on getting our bodies debt (fat) free! haha.

    THIS!!!!!!!!!!!!!! yeah i might be young - but this guy is a godsend. Best advice ever.
  • dls06
    dls06 Posts: 6,774 Member
    :flowerforyou: Yea maybe we could let the government in on it.
  • RunHardBeStrong
    RunHardBeStrong Posts: 33,069 Member
    My husband paid off our first house just this past June in 8 years by asking the bank to do bi-weekly payments. You still pay the same but it's cut in half every two weeks. So those months that are longer in which you get 3 paychecks you are making an extra payment plus you're constantly making payments slowing down the interest build up. We weren't going to but due to flooding ended up buying another house in July lol so we've started over but at 35 yrs old I'm good with having NO credit card debt, 2 newer vehicles paid for (we used the bi-weekly system for those to) a completely clear and free house and starting on another!! Good Luck! The feeling of virtually being debt free is awesome :)
  • fbmandy55
    fbmandy55 Posts: 5,263 Member
    Ok Dave Ramsey people. As a 24 year old who rents. would this guy be a good person to start with if I am NOT in any major debt?

    I have $10k left on my car loan. No other debits and no credit cards.My goal is to NOT rent anymore and NOT live paycheck to paycheck..
  • CasperO
    CasperO Posts: 2,913 Member
    Bump for later
  • TheRoadDog
    TheRoadDog Posts: 11,788 Member
    Ok Dave Ramsey people. As a 24 year old who rents. would this guy be a good person to start with if I am NOT in any major debt?

    I have $10k left on my car loan. No other debits and no credit cards.My goal is to NOT rent anymore and NOT live paycheck to paycheck..

    Better to learn the principles now and keep from getting in degt, rather than digging out later.
  • Qarol
    Qarol Posts: 6,171 Member
    Just like our weight journey, the debt journey is hard, and sometimes it seems like it would be easier to just quit and go back to our old ways. No one said that it would be easy . . . . BUT IT'S WORTH IT !!
    For me, saving/paying off debt/living under my means is WAYYYYY easier than losing weight. It's basic math for me. My body doesn't always understand basic math.
  • jpburcham
    jpburcham Posts: 98 Member
    Very Well Said. I do understand that! {* he says laughing to himself *}
  • questionablemethods
    questionablemethods Posts: 2,174 Member
    Ok Dave Ramsey people. As a 24 year old who rents. would this guy be a good person to start with if I am NOT in any major debt?

    I have $10k left on my car loan. No other debits and no credit cards.My goal is to NOT rent anymore and NOT live paycheck to paycheck..

    I've just become so militantly anti-debt that I get hives just hearing the word "car loan." :happy: I would absolutely start listening to him or pick up his book The Total Money Makeover. I felt like was in pretty good shape when I started listening, but he really changed my perspective and gave me a lot of motivation.
This discussion has been closed.

Categories