![]() I had my little spreadsheet budget that I had created and I thought I’d get something similar from him, but his was so much better! I couldn’t wait to get started! After that meeting, he reviewed my spending and came up with my budget, and then we met to discuss the spending plan. I contacted Daniel and he described his services – it sounded exactly like what I needed. Also, I learned from Dave Ramsey that I was paying interest on the debt that I would rather have in my savings, where it could earn me money. On top of that, I owed money which was really scary! I wanted to get out of debt for the security. When I retired from the military, it was scary not knowing what my next job would be. I told him I needed somebody to hold me accountable for my spending, so he referred me to Dr. Since I always owed money, I couldn’t work with a financial advisor to invest money and get ahead. He told me he couldn’t help me until I had some money saved. One day, I decided to seek out a financial advisor to help me. My thinking was “what’s another $5,000?”, so I just kept spending.īetween school loans, two car loans, credit cards and a loan against my 401k, I owed over $40,000. That’s when my debt snowballed! Closing costs were more than expected, and then everything after that just seemed like a drop in the bucket. When I was deployed, I managed to pay off all my debt and then I bought a house. About 10 years ago I heard about Dave Ramsey, and I thought “this is what I have to do to pay off debt.” So I created my budget and tried to save the $1,000 for my starter emergency fund, but something always came up financially and I could never do it. There were times when I would pay it off, but I would quickly get myself back into debt. DAVE RAMSEY SUCCESS STORY HOW TOI have a good job and income, but I couldn’t figure out how to stay out of debt. I am a single woman and I have a son in college who I support. Financial Wellness Committee: Bryan L., Michelle M., Kyle L.Do you feel you have so much debt that you will never pay it off? Do you want to travel more without feeling guilty about going deeper into debt to do it? Teresa* had been in debt most of her life and decided she no longer wanted to live with it. I want to thank you for making this course possible for us, as it is not something I would have sought out on my own. I will continue to utilize what I have learned throughout my life. This course has helped me, to date, eliminate $900.00 worth of debt, save my emergency fund, and save money on life insurance policies I found out I do not need. I feel this course has truly changed my situation long term as well as my outlook on money. I have been on the brink of bankruptcy for quite some time now. On I finished the entire Dave Ramsey course. This program is awesome and I am so glad we have been able to participate in it. This program has not only changed our money life, but my whole family. We have saved money on our car payments by lowering the interest and now have saved money on our insurance by raising our deductibles. We have paid off about $1,800 dollars in debt since we started. We now have $1,000 in savings for the first time in our 12 years of marriage. This is where Dave Ramsey’s course has helped us tremendously. We learned some hard lessons going through the bankruptcy and we changed our money habits, but we still did not know how to get to the next step of being financially stable. We have never had any savings and have always lived paycheck to paycheck or have been behind. We even went through bankruptcy 7 years ago. My spouse and I have had some tough life lessons with money. Tired of feeling overwhelmed every time you sit down to pay the bills? Not sure what your financial outlook is for retirement? Then it’s time to take control of your money and have it work for you! FINANCIAL SUCCESS is just around the corner! Fall 2014 Success Stories The stories below are just a sample of the changes participants have been able to make. The Dave Ramsey’s Financial Wellness class at MMH started in November with 23 participants. Take the first step in changing your Family Tree… 30th.Ĭontact any Financial Wellness Committee member if you have questions or would like to register. ![]()
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