Comments on: The Day We Turned Our Financial Lives Around… http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/ Personal Finance Notebook: Ideas, education & motivation for financial success Fri, 09 Jul 2010 04:40:50 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: 10 Easy Tips to Save Money Now! — Personal Finance Notebook http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-560 10 Easy Tips to Save Money Now! — Personal Finance Notebook Tue, 23 Feb 2010 13:41:33 +0000 http://www.personalfinancenotebook.com/?p=904#comment-560 [...] you have been a regular reader or have had a chance to read a little about my story, you know that my husband and I were able to pay off about $93,000 on November 14, 2008.  No, it [...] [...] you have been a regular reader or have had a chance to read a little about my story, you know that my husband and I were able to pay off about $93,000 on November 14, 2008.  No, it [...]

]]> By: Patrenia http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-347 Patrenia Sun, 10 Jan 2010 16:23:19 +0000 http://www.personalfinancenotebook.com/?p=904#comment-347 I think we've all fallen victim to "insanity". I'm so glad you guys found Dave Ramsey. I don't think he gets enough credit for what he has done for America. Thank you guys for the sacrifice of serving our country AND sharing your story here! I look forward to watching your progress:-). I think we’ve all fallen victim to “insanity”. I’m so glad you guys found Dave Ramsey. I don’t think he gets enough credit for what he has done for America. Thank you guys for the sacrifice of serving our country AND sharing your story here! I look forward to watching your progress:-).

]]> By: Budgets are the New Black http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-346 Budgets are the New Black Sat, 09 Jan 2010 23:52:36 +0000 http://www.personalfinancenotebook.com/?p=904#comment-346 Just stumbled across you (through a tweet?) and this sounds so familiar. In our case it was our multiple moves as a military family and always reacting to our transient lifestyle instead of preparing for it. After all, we've known our lives aren't sedentary for about 15 years now! We also are Reluctant Landlords of a rental we own in Vegas. Yea. We're not getting rid of that place anytime soon. We've gone through several tenants over the years and have never been fully prepared when each one left. It was last Spring that I discovered Dave and his Total Money Makeover. To my surprise as well, my husband was on board! "The definition of insanity is to keep doing the same thing and expect a different result." We knew what we were doing wasn't working. We are on our snowball now, and the whole journey prompted me to start blogging about it, which has become a great accountability partner. I'm getting comments and emails that others are inspired by our story as well, and that just makes it all the better. Just stumbled across you (through a tweet?) and this sounds so familiar. In our case it was our multiple moves as a military family and always reacting to our transient lifestyle instead of preparing for it. After all, we’ve known our lives aren’t sedentary for about 15 years now!

We also are Reluctant Landlords of a rental we own in Vegas. Yea. We’re not getting rid of that place anytime soon. We’ve gone through several tenants over the years and have never been fully prepared when each one left.

It was last Spring that I discovered Dave and his Total Money Makeover. To my surprise as well, my husband was on board! “The definition of insanity is to keep doing the same thing and expect a different result.” We knew what we were doing wasn’t working. We are on our snowball now, and the whole journey prompted me to start blogging about it, which has become a great accountability partner. I’m getting comments and emails that others are inspired by our story as well, and that just makes it all the better.

]]> By: Patrenia http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-336 Patrenia Tue, 05 Jan 2010 17:39:10 +0000 http://www.personalfinancenotebook.com/?p=904#comment-336 Well said Walter! Each day we live we are taught lessons, but are we really learning? Thanks for the additional information. Well said Walter! Each day we live we are taught lessons, but are we really learning? Thanks for the additional information.

]]> By: Walter http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-335 Walter Sun, 03 Jan 2010 07:33:44 +0000 http://www.personalfinancenotebook.com/?p=904#comment-335 Well, I don't have a really interesting story to share except the lessons I've learned in life. More often than not, we live our lives blindly and not being aware of our mistakes. The truth that I have learned in life is that our choice of actions have definite consequences. Unfortunately, we are too arrogant to see our errors, and instead blame life for our misfortunes. Life is what we make out of it, whether good or bad it depends on the choices we make. It is said that our outer world is merely a reflection of our inner world. :-) Well, I don’t have a really interesting story to share except the lessons I’ve learned in life. More often than not, we live our lives blindly and not being aware of our mistakes. The truth that I have learned in life is that our choice of actions have definite consequences. Unfortunately, we are too arrogant to see our errors, and instead blame life for our misfortunes. Life is what we make out of it, whether good or bad it depends on the choices we make. It is said that our outer world is merely a reflection of our inner world. :-)

]]> By: Patrenia http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-334 Patrenia Sun, 03 Jan 2010 02:27:47 +0000 http://www.personalfinancenotebook.com/?p=904#comment-334 Exactly, we only become aware when we run into a roadblock which forces us to really take a hard look at our situations. You've peaked my curiosity Walter. Do you mind sharing maybe a little of your story? Exactly, we only become aware when we run into a roadblock which forces us to really take a hard look at our situations. You’ve peaked my curiosity Walter. Do you mind sharing maybe a little of your story?

]]> By: Walter http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-333 Walter Sun, 03 Jan 2010 01:25:55 +0000 http://www.personalfinancenotebook.com/?p=904#comment-333 More often than not, we do not realize that we are spending more than our capacity. It is extremely important that we become aware of this, I did mine but in a hard way. :-) More often than not, we do not realize that we are spending more than our capacity. It is extremely important that we become aware of this, I did mine but in a hard way. :-)

]]> By: Patrenia http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-330 Patrenia Sat, 02 Jan 2010 19:56:31 +0000 http://www.personalfinancenotebook.com/?p=904#comment-330 That is a great testimony! I know your wife appreciates you for allowing her to be the best mother she can be:-). After reading your story, I was reminded of my layoff (in 2007) in the midst of our paying off debt. I had to take a job that was half of my previous salary. I'm grateful because if we hadn't started paying off our debt in 2005, we would have been in a serious crisis. Thank you so much for sharing! That is a great testimony! I know your wife appreciates you for allowing her to be the best mother she can be:-). After reading your story, I was reminded of my layoff (in 2007) in the midst of our paying off debt. I had to take a job that was half of my previous salary. I’m grateful because if we hadn’t started paying off our debt in 2005, we would have been in a serious crisis. Thank you so much for sharing!

]]> By: Patrenia http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-329 Patrenia Sat, 02 Jan 2010 19:49:34 +0000 http://www.personalfinancenotebook.com/?p=904#comment-329 Wow, 16%? But, if it were not for problems, we wouldn't seek better ways of living. Thank you so much for sharing your story and I'm glad your husband was not hurt. I wish you guys the best with paying off your debt. Try your best to use a cash based system to avoid using credit. If it's not paid off monthly, it's a never ending cycle. Let's make 2010 great! Wow, 16%? But, if it were not for problems, we wouldn’t seek better ways of living. Thank you so much for sharing your story and I’m glad your husband was not hurt. I wish you guys the best with paying off your debt. Try your best to use a cash based system to avoid using credit. If it’s not paid off monthly, it’s a never ending cycle. Let’s make 2010 great!

]]> By: Eric | Eden Journal http://www.personalfinancenotebook.com/2009/12/30/the-day-we-turned-our-financial-lives-around/comment-page-1/#comment-328 Eric | Eden Journal Sat, 02 Jan 2010 03:39:14 +0000 http://www.personalfinancenotebook.com/?p=904#comment-328 I don't remember our day exactly, but I know it revolved around looking to the future and realize we wouldn't be able to get there without a plan. We wanted a house and we wanted to have a child, and for that, we decided we would need a new financial plan. We created a budget and started living from it. Then we found Dave Ramsey's book and that further accelerated our get out of debt plan. Being debt free has allowed my wife to stay home with our daughter and has also allowed us to weather a layoff without much worry or stress. I don’t remember our day exactly, but I know it revolved around looking to the future and realize we wouldn’t be able to get there without a plan. We wanted a house and we wanted to have a child, and for that, we decided we would need a new financial plan. We created a budget and started living from it. Then we found Dave Ramsey’s book and that further accelerated our get out of debt plan. Being debt free has allowed my wife to stay home with our daughter and has also allowed us to weather a layoff without much worry or stress.

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