Dave Ramsey-Cash only system

[Game On]

My wife and I have been living this way for about three years.We went from a 1500.00 a month mortgage and a 374.00 dollar a month car payment to a trialer paid for and two used cars paid for.
We also have more than 20 percent of a down payment for a house in the bank.
The hardest part is the stigma of living in a trailer, but as Dave says you have to live like no one else now to live like no one else later.
At this rate we will buy a house in four years with 100 percent down.
Is this a difficult transition? Yes.
Is it worth it? Yes.

[Denny]

can someone just come and set me up on this? I have been through it over and over and sorry, but I just can not grasp the whole budget thing....I know, I know, it's gonna bite me in the ass. I hate dealing with it. I pay the bills, buy the groceries, deal with the maintenance on everything, ughhh. I just don't get it. I suppose it's the whole "how do I really know what I will need this month."

What's worse is, I am really not this dumb. I deal with crap all the time that requires me to think outside of the box, the abstract. But the money end of things leaves me baffled...I think I will blame my parents...

Some of the "smartest" perople I know are money dumb. It isn't about budgeting for them that's the problem, it is more of breaking a lifestyle and bad habits. You need to get yourself into a certain mindset before making the plunge or you will end up hating it and never giving anything else a try except the downward spiral that most are already in.

It's like playing poker for money. I can play with many different people and come out ahead in most cases simply because of a certain mindset. People treat money differently.

[mschmoyer]

can someone just come and set me up on this? I have been through it over and over and sorry, but I just can not grasp the whole budget thing....I know, I know, it's gonna bite me in the ass. I hate dealing with it. I pay the bills, buy the groceries, deal with the maintenance on everything, ughhh. I just don't get it. I suppose it's the whole "how do I really know what I will need this month."

What's worse is, I am really not this dumb. I deal with crap all the time that requires me to think outside of the box, the abstract. But the money end of things leaves me baffled...I think I will blame my parents...

Wake-up call method: Take out bills + $20/day for a week in cash. When you run out...you may not get more. Depending on which day of the week you run out...these concepts should click in and make sense.

[Stunter Bob]

I prefer using cash unless its at the pump, So i usually leave in a few hundred dollars in the bank account for fuel but other than that the bank is just used to cash my check and hand over the cash, That way theres no pending transactions, or overdraft fees because I thought i had enough money for something.

[centexchick]

I'll come over and help with the biting in the ass part.

lol, hell....I may just throw that in if someone would just deal with all the bs for me. Plus having my own business really makes things a pain. ughhhhh

[GE]

can someone just come and set me up on this? I have been through it over and over and sorry, but I just can not grasp the whole budget thing....I know, I know, it's gonna bite me in the ass. I hate dealing with it. I pay the bills, buy the groceries, deal with the maintenance on everything, ughhh. I just don't get it. I suppose it's the whole "how do I really know what I will need this month."

What's worse is, I am really not this dumb. I deal with crap all the time that requires me to think outside of the box, the abstract. But the money end of things leaves me baffled...I think I will blame my parents...

I'll come over and help with the biting in the ass part.

[Mike]

can someone just come and set me up on this? I have been through it over and over and sorry, but I just can not grasp the whole budget thing....I know, I know, it's gonna bite me in the ass. I hate dealing with it. I pay the bills, buy the groceries, deal with the maintenance on everything, ughhh. I just don't get it. I suppose it's the whole "how do I really know what I will need this month."

What's worse is, I am really not this dumb. I deal with crap all the time that requires me to think outside of the box, the abstract. But the money end of things leaves me baffled...I think I will blame my parents...

Muff said he can be there in 20

[centexchick]

can someone just come and set me up on this? I have been through it over and over and sorry, but I just can not grasp the whole budget thing....I know, I know, it's gonna bite me in the ass. I hate dealing with it. I pay the bills, buy the groceries, deal with the maintenance on everything, ughhh. I just don't get it. I suppose it's the whole "how do I really know what I will need this month."

What's worse is, I am really not this dumb. I deal with crap all the time that requires me to think outside of the box, the abstract. But the money end of things leaves me baffled...I think I will blame my parents...

[Lone Sailor]

Dude get out of my thread. I didn't say I am big and bad. I simply said I am not intimidated to have a pocket full of cash to pay for something.

Lmao! Still waiting for you to show me where I personally attacked you. Seems that perhaps you saw my logic when I brought up some cons of carrying cash around and that has obviously struck a nerve with you for some reason. I never said anything uncalled for or personally towards you that could have been taking badly. I actually only came in here to point out those cons of carrying cash simply because my mother was a victim of a robbery as she always carried cash, but then you wanted to start the immaturity and name calling like you're in elementary school and made more of it than was necessary.

[2K2 LS1]

Dave Ramsey would not approve.

I am just to the point in life and with my 10 years on the board to only put up with the old schoolers who truly know me giving me crap for any reason. I don't know this guy from a pile of kangaroo dung. I simply made the thread to get peoples insightful advice not smart ass comments?

IBslow99. lolz @ Elvis. I've got everything I own in one stock, but its been working in my favor for 4 years, and should continue for at least another 2. Completely inadvisable, I know, but everyone does something that works for their own life.

[fordracing19]

Some things he says are good, others are a bit extreme.

Getting rid of debt, going to cash vehicles, limiting eating out have all helped us in this period because income is up and down and I needed to limit my exposure as much as possible.

The limited of eating out hurts me. Everyone needs to eat out. So much easier plus no clean up afterwards.

[Mike]

You seem to have little man syndrome by the tone of all your posts I have seen. I guess the lone sailor username is fitting. Someone with your attitude could only be alone. Don't get the facts bent sailor boy. I have money. Never will I be without. I just want to keep a better eye on it and be responsible with where it goes.

Rebuttal is I have money. I just want to retain more. You personally attacked me with your comments. I know I shouldn't have taken it personally from a lone sailor, as you like many are a keyboard warrior. I just don't like when someone replies to a post for no more reason then to bash or put them down.

How did I personally attack you? Go ahead and show me, I'll wait...


How am I being a keyboard warrior when you're the one talking about how big and bad you are, tough guy.


And I never said you didn't have money, the whole point is that you are risking the cash you carry around as well as your own personal safety by doing so, IMHO. How the fuck did you turn that around thinking that is a personal attack for god's sake?

Dave Ramsey would not approve.

[2K2 LS1]

How did I personally attack you? Go ahead and show me, I'll wait...


How am I being a keyboard warrior when you're the one talking about how big and bad you are, tough guy.


And I never said you didn't have money, the whole point is that you are risking the cash you carry around as well as your own personal safety by doing so, IMHO. How the fuck did you turn that around thinking that is a personal attack for god's sake?

Dude get out of my thread. I didn't say I am big and bad. I simply said I am not intimidated to have a pocket full of cash to pay for something.

[Moose242]

I always carry my flash-role of about 5 grand or so, along with a pearl handled Taurus pistol and a pager.

Dave Ramsey told me to do it.