Replies
-
Well good to find some common ground on the emergency fund. Still disagree that you will pay more fees and a higher interest rate without a good credit score if the other factors we mentioned (20% down payment, no other debt, etc) are in place. So we'll probably just have to agree to disagree on that one.
-
I think it is called the MODCard. Mine is bright green. I've had it for a few years. I would assume they are still offering it but not positive. And I apologize if I was coming across as telling you what to do. Everybody is free to do (or not do) the Dave Ramsey plan to whatever extent they choose, I just wanted you to…
-
You are right if you plan to finance a car or take out a student loan you need a good credit score. But I don't plan on ever taking out a loan to buy a car or a student loan. You can save up cash to buy both a car and a college education. The information about a not needing a credit score to buy a house is not old, Dave…
-
Thanks, Emily. You can still get a mortgage without a credit score. Dave mentions all the time that you just need to find a company that does manual underwriting, meaning they qualify you for the mortgage based on your financial standing not simply your credit score. And also I have a Nordstrom card that is linked directly…
-
There are two types of ounces (which I agree is stupid and confusing) one measures weight and one measures volume. The ounce (oz.) is a unit of weight The fluid ounce (fl. oz.) is a unit of volume You should always assume that when you see oz. it is a measure of weight. Hope that helps.
-
I will be starting on maintenance at the beginning of November and I am nervous too :(
-
Bahet, But on the Dave Ramsey plan there is no need to care about the credit score. Credit scores only matter if you are planning on borrowing more money in the future. But if you are planning on living debt free then who cares what your score is. The emergency fund is there to cover emergencies, no need for a card. In…
-
Hey Emily, I am intrigued by this no spend month idea. How did you set your budget for it and what are including and not including?
-
My husband and I have been doing Dave Ramsey's plan since July of 2009. We are planning to be completely debt free by our three year wedding anniversary this coming April. So far we've paid of $31,820 with $29,403 to go. We cash flowed a cross country move and new used car in the process. I just started MFP back in April…
-
I love chopping an avocado and a roma tomato in large chunks and adding a little diced red onion and lime juice. Makes a great filling snack. Also a huge fan of popcorn, relatively low calories for the volume of food. And my new favorite treat is jello temptations strawberry cheesecake or chocolate mousse, both amazing and…
-
Yeah, I usually weigh everyday, but only log my weight on Mondays.
-
Don't try to change too much too fast. If you were a couch potato, you're probably going to be pretty miserable trying to work out five days a week. Ease yourself into the change so you will have a greater chance of not getting overwhelmed. Don't cut out all of your favorite junk foods, this too will make you miserable. I…
-
- Tomatoes (chopped in large pieces) - Avocado (chopped in large pieces) - Red Onion (diced) - Lime Juice - Feta (optional) Not a salad in the classic sense but super delicious.
