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lovemymuffie
Member since: September 2010
Total Contributions: 1
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Top 5 Credit Misconceptions
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(1 Total Contributions)Top 5 Credit Misconceptions
I am a strong believer in "no debt" because I will be paying for everything with cash in the future. I have a $1000 emergency fund which will get us through the next 1.5 years until we're debt-free except for the house. Our income will be very substantial at that point, since we will have no debt, and paying extra on our mortgage every month. Currently we're able to pay down $1800-$2200 a month on debt, due to working our debt snowball since last October. At the end of this month, we'll have paid down over $18,000 in debt in 6.5 months! After our debts are paid, we'll save for our 3-6 months emergency fund and then begin contributing 15% of our income towards retirement. Wake up people, debt is slavery! The bible states that the borrower is slave to the lender. We will finally have our freedom when our mortgage is paid off, and we'll never look back. We will be so strong in our monthly income and emergency fund, we will never have to use surety again. Dave Ramsey showed me the way, and you can achieve your freedom too!
Comment Reply posted 1 year ago
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I am a strong believer in "no debt" because I will be paying for everything with cash in the future. I have a $1000 emergency fund which will get us through the next 1.5 years until we're debt-free except for the house. Our income will be very substantial at that point, since we will have no debt, and paying extra on our mortgage every month. Currently we're able to pay down $1800-$2200 a month on debt, due to working our debt snowball since last October. At the end of this month, we'll have paid down over $18,000 in debt in 6.5 months! After our debts are paid, we'll save for our 3-6 months emergency fund and then begin contributing 15% of our income towards retirement. Wake up people, debt is slavery! The bible states that the borrower is slave to the lender. We will finally have our freedom when our mortgage is paid off, and we'll never look back. We will be so strong in our monthly income and emergency fund, we will never have to use surety again. Dave Ramsey showed me the way, and you can achieve your freedom too!
Comment Reply posted 1 year ago