Sunday, February 22, 2009

Twenty Years ago....

I got my first credit card during my first semester of college in 1989. John got his first card a year later. Both of us have had credit card debt ever since. I was introduced to Dave Ramsey in May 2007 by my friend Mindy and her husband Jeff. (Man, do I owe them dinner)

We started FPU the last week of May and have never looked back.

The most exciting thing is as of last week, we have NO credit card debt!!! It's all gone, gone, gone. We have no car payments and only owe on 2 things - my education and our house.

Two houses down, a family moved out a few weeks ago. This makes the 5th foreclosure on our street alone. Even with this economy, we are better now than we ever have been. I want to scream it from the rooftop, but it's cold out there. Sorry if others feel like I'm bragging, but we have worked our tails off to get to this point. We were used to buying what we wanted, whenever we wanted.

Now I look at my Citibank card that says member since '89 and have decided I don't want to be a member of that club anymore. I'm also spreading the excitement. Three of my staff are now on the Dave Ramsey plan. They've all borrowed my FPU and TMMO books. One is in FPU now. We will change the world, one family at a time. We don't need a bailout, we'll do it on our own thank you.