Hi everyone. New to the boards and somewhat new to GRS.

About me/my family: 32yo father of 2 beautiful daughters (4 yrs and 9 mnths). Husband to 1 pistol of a wife. We're currently about $32K in debt not including mortgage. This includes 3 student loans (1 of which is on a 0% CC), 2 car loans, and a small CC balance (on the same 0% card as the student loan). The car loans are 0% and 6.25% respectively. The student loans are 0%, 6.75%, and 7.65%. Throw in the mortgage and we're up to a little under $230K. Mortgage is locked in at 6.38% with 20 years left.

I've recently discovered the debt snowball method espoused by Mr. Ramsey and will be using it to be debt free in approx 7 years. Found a cool spreadsheet tool through GRS that maps this out for us by month. Thanks GRS for the link.

There are other issues re: the family's finances that I plan to touch on here and there. I plan to be active on the boards as long as things are slow at work. I look forward to being part of the community.

Welcome! It's great to have another active member. I think you'll find that you can get debt-free sooner than seven years. When I first plotted out how long it would take me to use the snowball method to get out of debt, it was going to take something like eight years. I managed to compress that to something closer to three. Seriously. Your milage may vary, but I'm willing to bet that if you stay on course, you'll beat your estimates.

Well that's VERY encouraging. Thanks for that.

I think that, once you see the snowball working, you get excited, and then it goes even faster.

Welcome to the community.