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Frugal Friday: When in Debt, Let Dave Help You

Posted By Jessica Fisher On August 21, 2009 @ 2:55 am In Budget Living,Frugal Friday | 12 Comments

This past week I was filling out an application for a housing rental. There was a part of the application that gave me pause: creditors. I had to think for a minute. Aside from the mortgage on the rental property we own in Kansas City, there was nothing to list! No car loans, no credit cards, no school debt. That realization was a very freeing moment.

On the Road to Debt-Free
Last week I started to recount our Get Out of Debt Story [5]. About two years ago, we set off on a path to eliminate debt from our life. It’s been a good walk, though the road has often been straight uphill or through apparent quicksand. And while it’s still a struggle to tow the frugal line, it’s a good life. Thanks be to God!

As I mentioned last week [5], the first thing we did was say goodbye to credit cards. We started to pay cash for everything, and we let the balance on our cards roll over. That was hard to do as we had always “paid it off every month.” Now, we had a balance — or two — or five (three credit cards, a home equity loan, and a truck loan) — to pay off. At the time it totalled over $16,000. (In the end we paid off more than that figure after interest and additional debt.)

Enter Our Good Buddy Dave
After ditching the plastic, the next step for us was to follow Dave Ramsey’s [6] advice to those yearning to get out of debt. “Our buddy Dave” as we affectionately call him at our house is a personal finance coach for the masses. While there are plenty of other voices out there giving financial advice, Dave’s was the one that “spoke to us.” His no-nonsense, tell-it-like-it-is manner really appealed to both FishPapa and I. He’s a hard hitter, but I think he speaks the truth in love. It helped that he had made million dollar mistakes himself. The voice of experience carries weight with me. And everything he said, made sense.

And each bit of advice that we followed, worked. But, I’m getting ahead of myself.

First I started listening to the free podcast of the Dave Ramsey Show [7] everyday, usually via the free 30 minutes downloadable through itunes [8]. Then, I tackled Dave’s book, The Total Money Makeover [9].


You can read my review of the book [10] or, better yet, get a copy from the library and just read it. It’s a great book, an easy read you could finish in a few days. It filled me with hope and gave me tools to start on the road out of debt. Within a few months of my reading the book, an audio copy fell into FishPapa’s hands. With us both hearing and heeding what Dave had to say, we were united in this monumental journey.

Roadside Help
Readers have commented that it is hard to pursue a debt-free life if your spouse isn’t on board. I would guess that it’s practically impossible. I thank God that my husband and I were usually on the same page as we started this journey. There were a few minor things that we disagreed on — and I’ll explain those later. But, I remember that first conversation we had about ditching the credit cards. I had been listening to the Dave Ramsey Show [7] and knew that was our first step. It wasn’t that I needed to convince my husband of something, but I needed to make sure I was willing to follow his lead. As we talked, it became evident to both of us what we needed to do. I am blessed to have a husband who is willing to do it the hard, but right, way. And I realize that is a gift from the Lord.

If you are not in the same situation, I do recommend listening to “my buddy Dave” [7] for awhile. He regularly answers calls from people who have unwilling spouses. The calls that I’ve heard him answer were always done logically and compassionately.

Following good advice is an excellent way to save money.

Part Three: Take a Financial Snapshot [11]

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1. Lynn’s Kit Adv (making meat stretch) [12]
2. UnfinishedMom (Seek the Minimum Level) [13]
3. Lenetta @ Nettacow (Bathtub Fishing Game) [14]
4. ElizabethG (Best $1 Spent) [15]
5. Christian Frugal Mama (Coffee Drink) [16]
6. Jill @ MoneySavinDiva (Ways to Save when decorating!) [17]
7. Amy-Cutting Coupons in KC (Paper Towels) [18]
8. Screaming Pennies (Papa Murphy’s Chicken-Garlic Pizza Recipe!) [19]
9. Kate @ A Simple Walk (how do you define frugality?) [20]
10. Swappin’ Spoons – 1,000 ways to SAVE MONEY – Part 5 [21]
11. Amy @ Finer Things (Master Menu) [22]
12. Saving and Giving (Tips for New Couponers) [23]
13. Saving Cents with Sense (Make Your Own Body Scrub) [24]
14. Michelle @ Saving Some Green (Recipe Substitutions) [25]
15. Creative2xmom (Cheapest Fruits and Veggies) [26]
16. Creative2xmom (Nature’s Perfect Food … Free!) [27]
17. Joelle (nonstick cooking spray alternative) [28]
18. Diann @ The Thrifty Groove – Rainy Day Box [29]
19. Tracey @ Girls to Grow (Getting a Few Free Items) [30]
20. Nourishing Days – How to Choose Supplements & Superfoods [31]
21. Kate’s Kitchen: Homemade ice cream sandwiches [32]
22. Simple Bliss (Frugal and Natural Laundry) [33]
23. Missysthrifty (2009 debt update) [34]
24. Missysthrifty (2009 debt update) [35]
25. HoosierHomemade(Reusing Storage Bags) [36]
26. Corrie @ “Cents”able Momma (Cost of Discontentment) [37]
27. pennypinchinmomma(no deal) [38]
28. Jennifer (100 ways we save money Part 3) [39]
29. Twinsmom (Lowering Prescription Costs) [40]
30. Houstonmom (bartering in today’s world) [41]
31. Adventure Mom Janna~ Bigger Bubbles: Homemade Wands for Pennies [42]
32. Sandra @ A Lot of Savings (Food from the Garden w/Pictures/Cute Tomato) [43]
33. The Diaper Diaries (cheap tweets) [44]
34. SentimentsbyDenise (Freezing Corn) [45]
35. Susan @ Practicing Thrift (preschool workbooks) [46]
36. Gabrielle (What to do while waiting) [47]
37. Trixie @ FarmHomeLife (Meal ideas from freezer contents) [48]
38. Kitchen Stewardship (Should SAHMs cook from scratch???) [49]
39. Christine @ becomingp31 (Making your own specialty coffee) [50]
40. Janel (Cheap Espresso Drinks) [51]
41. Rachel (Cheap/Free Toys) [52]
42. Not the Jet Set… Free Family Fun [53]
43. Lisa @ A Stitch of Faith (Free Patterns) [54]
44. Anne (Inexpensive, Quick Breakfast Idea) [55]
45. Seeking His Face(Cheap, Versitile Household Cleaner [56]
46. Prudent and Practical (TVP Red Beans & Rice) [57]
47. nmetzler (homemade laundry soap) [58]
48. Michele (Disorganization) [59]
49. Valerie @ Frugal Family Fun Blog (Fun with Cardboard) [60]
50. Valerie @ Frugal Family Fun Blog (A Special and Frugal Gift for Baby) [61]
51. Abundant Living(Homemade Dog Biscuits) [62]
52. Debra (grocery shopping) [63]
53. Keeping the Kingdom First (Waste Less) [64]
54. A Mama in Seventh Heaven (penny) [65]

Powered by… Mister Linky’s Magical Widgets [66].

Article printed from Life As Mom: http://lifeasmom.com

URL to article: http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave.html

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[5] Get Out of Debt Story: http://www.lifeasmom.com/2009/08/frugal-friday-where-do-you-start-when.html

[6] Dave Ramsey’s: http://www.daveramsey.com/

[7] the Dave Ramsey Show: http://www.daveramsey.com/radio/home/

[8] itunes: http://itunes.com/

[9] The Total Money Makeover: http://astore.amazon.com/lifeasmom-20/detail/0785289089

[10] my review of the book: http://lifeasmom.com/2008/06/book-it-the-total-money-makeover.html

[11] Part Three: Take a Financial Snapshot: http://www.lifeasmom.com/2009/08/frugal-friday-take-financial-snapshot.html

[12] Lynn’s Kit Adv (making meat stretch): http://www.lynnskitchenadventures.com/2009/08/making-meat-stretch-into-several-meals.html

[13] UnfinishedMom (Seek the Minimum Level): http://unfinishedmom.blogspot.com/2009/08/seeking-minimum-level.html

[14] Lenetta @ Nettacow (Bathtub Fishing Game): http://nettacow.blogspot.com/2009/08/bathtub-fishing-game.html

[15] ElizabethG (Best $1 Spent): http://amoderngal.com/2009/08/20/best-1-spent-managing-the-freezer-and-pantry/

[16] Christian Frugal Mama (Coffee Drink): http://christianfrugalmama.blogspot.com/2009/08/recipe-of-week-dark-chocolate-mocha.html

[17] Jill @ MoneySavinDiva (Ways to Save when decorating!): http://www.moneysavindiva.com/2009/08/ways-to-save-decorating-style.html

[18] Amy-Cutting Coupons in KC (Paper Towels): http://cuttingcouponsinkc.blogspot.com/2009/08/frugal-friday-paper-towels.html

[19] Screaming Pennies (Papa Murphy’s Chicken-Garlic Pizza Recipe!): http://screamingpennies.com/2009/08/20/frugal-friday-papa-murphys-chicken-garlic-pizza-recipe/

[20] Kate @ A Simple Walk (how do you define frugality?): http://asimplewalk.blogspot.com/2009/08/how-do-you-define-frugality.html

[21] Swappin’ Spoons – 1,000 ways to SAVE MONEY – Part 5 : http://swappinspoons.blogspot.com/2009/08/1000-ways-to-save-money-part-5.html

[22] Amy @ Finer Things (Master Menu): http://amysfinerthings.com/master-menu-plan

[23] Saving and Giving (Tips for New Couponers): http://savingandgiving.blogspot.com/2009/08/frugal-friday-tips-for-new-couponers.html

[24] Saving Cents with Sense (Make Your Own Body Scrub): http://www.savingcentswithsense.net/2009/08/make-your-own-organic-brown-sugar-body-scrub/

[25] Michelle @ Saving Some Green (Recipe Substitutions): http://www.savingsomegreen.com/2009/08/substitution-list.html

[26] Creative2xmom (Cheapest Fruits and Veggies): http://creative2xmom.blogspot.com/2009/08/frugal-friday_20.html

[27] Creative2xmom (Nature’s Perfect Food … Free!): http://creative2xmom.blogspot.com/2009/08/natures-perfect-food-free.html

[28] Joelle (nonstick cooking spray alternative): http://healthynhappyhome.wordpress.com/2009/08/20/nonstickcookingsprayalternative/

[29] Diann @ The Thrifty Groove – Rainy Day Box: http://thethriftygroove.blogspot.com/2009/08/thrifty-fun-rainy-day-box.html

[30] Tracey @ Girls to Grow (Getting a Few Free Items): http://girlstogrow.blogspot.com/2009/08/entering-blog-giveaways.html

[31] Nourishing Days – How to Choose Supplements & Superfoods: http://www.nourishingdays.com/?p=2060

[32] Kate’s Kitchen: Homemade ice cream sandwiches: http://katescreativekitchen.blogspot.com/2009/08/making-ice-cream-sandwiches.html

[33] Simple Bliss (Frugal and Natural Laundry): http://vanessa.hoozh.net/2009/08/21/kinda-krunchy-laundry/

[34] Missysthrifty (2009 debt update): http://missysthrifty.blogspot.com/2009/08/2009-goal-update.html

[35] Missysthrifty (2009 debt update): http://missysthrifty.blogspot.com/2009/08/2009-goals-update.html

[36] HoosierHomemade(Reusing Storage Bags): http://hoosierhomemade.com/?p=3044

[37] Corrie @ “Cents”able Momma (Cost of Discontentment): http://www.centsablemomma.com/2009/08/cost-of-discontentment.html

[38] pennypinchinmomma(no deal): http://pennypinchinmomma.blogspot.com/2009/08/not-getting-deals.html

[39] Jennifer (100 ways we save money Part 3): http://www.gettingaheadblog.com/2009/08/100-ways-we-save-money-part-3-vacation.html

[40] Twinsmom (Lowering Prescription Costs): http://blessedbytwins.blogspot.com/2009/08/comparison-shopping.html

[41] Houstonmom (bartering in today’s world): http://houstonmom.wordpress.com/2009/08/21/bartering-in-todays-world/

[42] Adventure Mom Janna~ Bigger Bubbles: Homemade Wands for Pennies: http://theadventureofmotherhood.blogspot.com/2009/08/bigger-better-bubbles-homemade-wands.html

[43] Sandra @ A Lot of Savings (Food from the Garden w/Pictures/Cute Tomato): http://www.alotofsavings.com/2009/08/frugal-friday-more-food-from-garden_21.html

[44] The Diaper Diaries (cheap tweets): http://thediaperdiaries.net/frugal-friday-cheap-tweets/

[45] SentimentsbyDenise (Freezing Corn): http://bit.ly/11qRJv

[46] Susan @ Practicing Thrift (preschool workbooks): http://www.practicingthrift.com/2009/08/dollar-store-preschool-workbooks.html

[47] Gabrielle (What to do while waiting): http://couponingincriticaltimes.blogspot.com/2009/08/what-to-do-while-waiting.html

[48] Trixie @ FarmHomeLife (Meal ideas from freezer contents): http://farmhomelife.blogspot.com/2009/08/freezer-pantry-inventory.html

[49] Kitchen Stewardship (Should SAHMs cook from scratch???): http://www.kitchenstewardship.com/2009/08/18/mommy-come-home-work-in-the-kitchen/

[50] Christine @ becomingp31 (Making your own specialty coffee): http://becomingp31.blogspot.com/2009/08/specialty-coffee.html

[51] Janel (Cheap Espresso Drinks): http://jandbpiersma.blogspot.com/2009/08/frugal-friday-make-espresso-at-home.html

[52] Rachel (Cheap/Free Toys): http://randomramblings-rachel.blogspot.com/2009/08/frugal-friday.html

[53] Not the Jet Set… Free Family Fun: http://www.notthejetset.net/2009/08/week-of-almost-allfree-fun.html

[54] Lisa @ A Stitch of Faith (Free Patterns): http://astitchoffaith.blogspot.com/2009/08/moda-bake-shop.html

[55] Anne (Inexpensive, Quick Breakfast Idea): http://quickeasycheaphealthy.blogspot.com/2009/08/taste-create-beating-morning-rush.html

[56] Seeking His Face(Cheap, Versitile Household Cleaner: http://seekinghisface2.blogspot.com/2009/02/vinegar-wonder-household-cleaner.html

[57] Prudent and Practical (TVP Red Beans & Rice): http://www.prudentandpractical.com/cooking-with-tvp-red-beans-and-rice/

[58] nmetzler (homemade laundry soap): http://nmetzler.blogspot.com/2009/08/frugal-friday-homemade-laundry-soap.html

[59] Michele (Disorganization): http://savingmoneyirl.blogspot.com/2009/08/being-disorganized-will-cost-you-money.html

[60] Valerie @ Frugal Family Fun Blog (Fun with Cardboard): http://www.frugalfamilyfunblog.com/2009/08/important-info-and-frugal-fun-with.html

[61] Valerie @ Frugal Family Fun Blog (A Special and Frugal Gift for Baby): http://www.frugalfamilyfunblog.com/2009/08/special-baby-gift.html

[62] Abundant Living(Homemade Dog Biscuits): http://livingsoabundantly.blogspot.com/2009/07/homemade-dog-biscuits.html

[63] Debra (grocery shopping): http://september-acres.blogspot.com/2009/08/frugal-friday.html

[64] Keeping the Kingdom First (Waste Less): http://kingdomfirstmom.com/2009/08/frugal-tip-waste-less.html

[65] A Mama in Seventh Heaven (penny): http://amamainseventhheaven.blogspot.com/2009/08/frugal-friday.html

[66] Mister Linky’s Magical Widgets: http://www.blenza.com/linkies/

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