Free at last, thanks to Dave! We started the Dave Ramsey Total Money Makeover a little over a year ago when we took a class at our church. It was called his "Financial Peace University", and never was a program more appropriately named!
As of last weekend we paid off the last of our credit card debt and our vehicle is also completely paid for. When we started the program we had a car loan and credit cards totalling almost $20,000 in debt. Now we have no payments except for our mortgage...and we just received a letter from the county assessors office telling us that our home value has gone up about $3,000.
It really is a peaceful feeling knowing that you have an emergency fund and that there isn't a huge pile of debt looming over you just waiting for a disaster to happen. We had set a goal of being debt free before our next baby is born, and we achieved it! Little "Kevin" will be born into a financially peaceful home!
Click the title of this post to go to the Dave Ramsey website!