It's all about the Baby Steps...

BABY STEP 1 COMPLETED with the parental guidance of Dave Ramsey.  

Dear Dave Ramsey,
I'm going to pay off my 27k of debt in the next year by doing your baby steps.

I finished baby step one: setting aside a 1k emergency fund.  

To gather my emergency fund, I sold a vintage mirror & my bike, and gathered money from some debts owed me.  The last bit of the 1k came when I found a wallet on the street chock full of cash...
Right about now you think I'm a thief, but
I RETURNED the wallet to its rightful owner and received a lovely fern plant with an envelope tucked inside containing a crisp green hundred.  The wallet-owner said to go out for a nice dinner on her, but I put it in my emergency fund instead. Aren't you proud of me, Dave? 

I've moved on to baby step 2: the debt snowball.  You tell your students to pay off their debt with gazelle intensity.  When asked what kind of animal I remind them of, some have said a gazelle, so I feel I already have a leg up on this one.* To make extra money this month I decided to do a mini fashion & housewares line. Dave, if you happen to need a crop top, I know just the Etsy store for you. 

I'm also using your envelope system.  Besides the fact that it's effective to carry a finite amount of cash for different categories of spending, I like that the abundance of envelopes in my purse make me appear to be an avid letter writer.** 

Well, I must be off to work; I spend a lot of my time working these days, Dave. 
I'll leave you with my favorite quote, which just happens to be one of yours.

“Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.”   

I'm working on the 80%. Here's to being skinny and rich, Dave.

Trishawna "Debtbuster" Quincy  
*I have also been told a seahorse, which probably won't help me here.
**Which since I'm contacting you by letter, I obviously am.  I just need to be sure not to send this in the wrong envelope.  I don't want you getting my grocery money, now do I, Dave? Hahahar...hardy...harhar.

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