LOL. I did dash it off in a few seconds. Busy weekend and a house full of kids. Time to get in some work.
Like the old saying goes, No romance without finance. That being said, an old FB is sniffing back around. I guess I'll play with her in the meantime while I continue my work. Time to go shopping and get some new clothes this week!
I'm still working on my debt snowball. I'm fan of Dave Ramsey (
http://www.daveramsey.com/). And I was doing it ass backwards.
His debt snowball consist of the following.
1. get caught up on all outstanding (past due) debts first.
2. save $1000 for an emergency fund (less if you are on a lower income such as myself, $500 in my case).
3. Make a zero sum budget, every penny accounted for and applied somewhere.
4. All extra money in your budget goes onto you lowest debt.
5. Pay off the lowest debt first.
6. Take the extra budget money + the cost of the lowest debt and apply it to the next lowest debt.
7. Continue until all debts are paid.
I started at step 3 -5. Until the fire, as I was getting by...so I had to step back to step one and do it right.
Now I'm back up to step 4 with a solid foundation behind me. In a couple of months I should have all of my debts except for my car and college loans sorted. Another 2 years on the car loan will sort that out and then a few years on the college loans if everything goes to plan and I'll be debt free.
