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Viewing profile - JD&KL

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JD&KL
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Joined: Sat Jan 01, 2011 6:39 am
Last visited: Thu May 19, 2011 3:01 am
Total posts: 7
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 7 Posts / 100.00% of user’s posts ]
Most active topic: Our Journey : JD & KL
[ 7 Posts / 100.00% of user’s posts ]

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JD&KL Posts

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 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Re: Our Journey : JD & KL
Posted: Mon Feb 28, 2011 8:40 am 

Replies: 11
Views: 3373


another update on our debt snowball we have paid off $7500 of our debt. with a tax return showing up the end of this week, we will have paid off $10,000! not only that, we will have $1000 in our emergency fund. the important thing is that we no longer are tempted with credit cards, and we are puttin...

 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Re: Our Journey : JD & KL
Posted: Sun Feb 06, 2011 5:05 am 

Replies: 11
Views: 3373


Thanks suzwantstobefree! i feel as though our long term goals may vary at times, but i'm understanding now how important written goals are. we have tried to put into writing some short and long term goals that we agree on. i'm sure they may change with time, but if you have a list of goals in front ...

 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Re: Our Journey : JD & KL
Posted: Fri Feb 04, 2011 6:06 am 

Replies: 11
Views: 3373


we are grinding away. eating packed lunches is my new habit. i feel better and i'm more productive at work when i pack a lunch and i'm really starting to enjoy it. just like finances, you just plan ahead and pack your lunch the night before. i also adjusted my car insurance for a much better rate. o...

 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Re: Our Journey : JD & KL
Posted: Mon Jan 10, 2011 5:21 am 

Replies: 11
Views: 3373


yes we are!

i cannot overstate how important that is. after reading Ramsey's book, my wife was convinced as well that we needed to make a lifestyle change. we now put ALL our income together and sit down to go over our budget every two weeks (that's how often i get paid).

 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Re: Our Journey : JD & KL
Posted: Mon Jan 10, 2011 3:41 am 

Replies: 11
Views: 3373


as stated above, by mid 2010, i knew we had to make some changes. i wasn't sure how to go about it because any discussion of money took us to an argument. she blamed me for my big purchases, and i was upset because i knew that we could afford what we had, we were just spending too much on a day to d...

 Forum: Fiscal Fitness Journals   Topic: Our Journey : JD & KL

 Post subject: Our Journey : JD & KL
Posted: Sun Jan 09, 2011 6:46 am 

Replies: 11
Views: 3373


this is our journal, about our journey. we are a family of four, two boys in elementary school, and i am 36, my wife is 32. i guess i should start by outlining my poor management and other mistakes that led me to this site. last year i realized that i was struggling to make payments on credit cards...
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