I'm sorry... So Sorry...

I'm on my lunch break at the moment and I just wanted to drop in and say I'm sorry.

The post about Debt Magnified gave me such a shock. . Maybe too much of a shock and I was hiding in denial. It was such an eye opener & I swore that things would change from then on. And then, REAL LIFE happened. A blow on our finances, home relationships & situations etc etc took more than enough of my time.

In lieu of the new year, I started making a 2011 Goals. Some financial, Some Personal & Some for home.

I'll post more as I'm starting to get some free time from the real life growls. I hope everyone had a Merry Christmas and we're looking forward to a prosperous New 2011!

Debt. Magnified.

Deep Breaths. Deep Breaths. 


I want to be truthful about our long long journey to Baller-dom. We're WAYYYY to far from that. Really far. Like. . . South East Asia far.

I initially ran these numbers after reading Dave Ramsey's Total Money Makeover about a month ago. I knew we were in debt - which is why I started reading that book. . but I didn't know it was THIS bad.

Numbers don't lie. We've had so many mess ups. . and that's why we're here. To clean up.

Ready for the numbers? It's ugly. As of today, 09/02/10 (90210 - lol)

The Budget.

There are many many websites that can explain budgetting better than I can. But I'd like to give my $0.02.
If there's one tool to make The PLAN work, it would be the budget. How would you know where your money is going?

Be the boss of your money, don't let your money boss you. During the past few months, I learned how to allocate my money on things that are important to me and my family. I do need to work on a few things. I'll get to those later.

The Plan.

As the old saying proverbs go, 'He who fails to plan, plans to fail.'

You'll need to aim at your target, otherwise - you'd be wasting your rounds on thin air. Finance wise - without a goal, you'll never reach financial peace. It doesn't need to be REALLY detailed - however, the more precise your planning is - the more likely you'd be able to follow the plan. Everyone strives to have financial peace - but how do you get to Point A to point B? PLAN.

I've mentioned where I want to be, where I would like to be. However - I'd like to go into more detail.

The Ultimate Goal : DEBT FREE.
Of course I have other goals (saving for retirement and our children's college) but DEBT Free is priority numero uno. I'm sick of giving people all my hard earned money when it can be MINE.MINE.MINE. I/We dug ourselves into this mess, so we just gotta pay (literally)

The Steps :  These steps are derived from Dave Ramsey's Plan & Part of the YNAB (You Need a Budget) system. A Hybrid Plan per se.

Hi There.

Thanks for visiting!

I chose to start a website of my own after reading a lot of personal blogs about finances. I've learned so much and would like to do the same someday.

Our current situation : Living paycheck to paycheck. No savings. TONS of debt. Bills GALORE. No budget. No Plan. I'm starting new.
          Sure, I've tried things here and there, but nothing ever adhered - but that's probably because I never put the effort on handling finances. It wasn't fun.. but I want it to be. That's why I'm here.

Where I would like to be : On the Dave Ramsey show screaming I'M DEBT FREE!!!! YEAH! I'd like to be a Proud Dave Ramsey Follower and be able to show it all. I want to be in the "... so you can live like noone else" coz, shoot. I do wanna live like noone else. I don't want to worry about dumb bills, stupid debt, leeching interest rates and all the other unmentionables. I want to be WEALTHY. I want to die and leave my children a dynasty - not like the debtpool my mother plans on leaving me.