tag:blogger.com,1999:blog-24744976.post7639978532699619208..comments2008-04-22T22:53:21.037-05:00Kevin Surbaughhttps://profiles.google.com/114850083782944258911noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-24744976.post-1295868686376935592008-04-22T22:53:00.000-05:002008-04-22T22:53:00.000-05:00Anonymous -<BR/>thank you for your comments. You say you have been reading for a year. Yet you missed the various posts where I was excited to see a $1,000 credit card debt get eliminated. Now as of Tuesday night (at 10:40 pm CT)my $1,000 home improvement loan (with AmeriFirst) is down to $725. As soon they post the newest payment, that debt will be down to somewhere around $400. In addition, readers of my blog watched me pay down and eliminate a $500 debt for insulation. In the 2 years since starting this blog, I have paid off almost 50% of my debt. I expect to pay off the other 50% in the next year. <BR/>as for my emergency fund that you and HS wisely mentioned, every time I get it close to $1,000, I sweep the money into debt elimination. That is how I am getting these debts paid off. Of course, I have some repairs that are being neglected because I am in the debt elimination mode. I have made no secret that while I follow Dave Ramsey, my debt elimination process is somewhat a hybrid of Dave Ramsey, John Cummuta and Larry Wingett all rolled into one. They all teach basically the same thing, although Ramsey teaches building the EF 1st (which I try, but desperately want to get out of debt) and Cummuta teaches payoff the debt then build the emergency fund. I hope this explains what is going on, if you have any other questions or suggestions, feel free to ask (or comment).Prince of Thrifthttp://www.blogger.com/profile/07863514672517538661noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-82549714546285668702008-04-22T20:55:00.000-05:002008-04-22T20:55:00.000-05:00You claim to be a follower of Dave Ramsey's thinking, but your actions show differently. If you've read any of his books, or listened to his show, you know that step #1 is gather a mini emergency fund.....your's has been at $100 for EVER. I have read you for a year and have not seen you build an emergency fund or pay off any significant debt.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-24744976.post-9508401679762880082008-04-22T15:56:00.000-05:002008-04-22T15:56:00.000-05:00Where is your emergency fund? If you don't have one start one, I created an account at Etrade and I will be adding little bits of money to it in the next few months.HS @ Our Debt Bloghttp://www.blogger.com/profile/16131857251377260758noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-40559658454320357742008-04-22T06:25:00.000-05:002008-04-22T06:25:00.000-05:00Hi! I wanted to let you know yesterday I went to a we buy gold store and sold two broken pieces I had. The price of gold is really high right now, if you have anything you shoud sell it now. I made $30 for a broken chain and braclet that have been sitting in my drawer for 5 years. I needed gas money as I forgot gas in my budget this week. God is so good!Becky Rhttp://www.blogger.com/profile/02099347717228504160noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-18573863229512903422008-04-22T00:01:00.000-05:002008-04-22T00:01:00.000-05:00Thank you Becky. I appreciate your comments and your readership. <BR/><BR/>It is so awesome and mind blowing to see how God provides in so many unexpected ways.Prince of Thrifthttp://www.blogger.com/profile/07863514672517538661noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-66921673617048871722008-04-21T16:03:00.000-05:002008-04-21T16:03:00.000-05:00I love your trust in God. He will bless you for your desire to live His way and get out of debt. <BR/>I know, I have no spending money and am trying to increase my food money as well. Yesterday I had to spend $60 on unexpected medicine and today I had two drop off kids (in my in home daycare) so I made $65 not expected (which pays my tithe and for yesterdays meds.) Yeah! <BR/>I still have to come up with $120 extra by the end of the month, but I am sure I will figure something out.<BR/>I enjoy reading your blog. I hope you get out of debt this year! -BeckyBecky Rhttp://www.blogger.com/profile/02099347717228504160noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-21177264610467594022008-04-21T15:19:00.000-05:002008-04-21T15:19:00.000-05:00I wish I could have $95 left after paying my weekly bills. Oh well one day, I won't owe the $100/week car payment and that money can be going to savings, food, clothes and blow (mad) money.Prince of Thrifthttp://www.blogger.com/profile/07863514672517538661noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-82934802264574064292008-04-21T15:06:00.000-05:002008-04-21T15:06:00.000-05:00Isn't it weird how excited you get when you start pulling out of a debt hole? I'm with you here - I got smacked with a $75 late fee on my rent because the payment site was down, and they refused to credit it back to me.<BR/><BR/>As a result? I have $95 until payday - thankfully, that's only until Friday. The bad part is that I'm pretty sure I just contracted strep, which means doctor's visit and antibiotics. Woo!<BR/><BR/>Thankfully, I'm finally struggling up to a point where money has a normal flow again. I'm glad to see you getting there, too.Amphritritehttp://www.blogger.com/profile/04335320552964298416noreply@blogger.com