Home Forums Hunting & Shooting Hunter's Campfire Dave Ramsey's First Baby Step - Save up $1000 Emergency Fund

Jesus Christ...

Three more mortgage payments to go and I'm debt free..

I liked the book Die Broke.

Your last check should be to the mortuary, and it should bounce.

My kids ain’t gettin’ nuthin’.





P

GD Biotch din't tell me she was headed there. For fuggs sake, I coulda saved money for the show and maybe one of them fancy hunts for the funny horned "elks" they got there.

Just saw Halsey on the SNL, I might have to switch allegiances from TS, Taylor's starting to get a bit old now too, doncha think? Gonna need botox in the forehead for wrinkles soon.

Geno

It's OK Dave,

I think it's just a protest against the evil "Profit Motive".

Geno

Taylor Swift mama gots a toomuh,

Halsy sounds like she’s drunk on cough syrup

‘Course, towards the end of life priorities shift somewhat.

I figure I’ve got one vehicle left in me, prob’ly a Toyota something, and will run it for twenty years or dead whichever comes first. I can make payments and drive it upon purchase, or continue to try and drive my two old junkers for another four years at a savings of about $4,000.

Would it be worth it to me to spend $4,000 extra in payments over four years to have a reliable vehicle all that time? Absolutely.

Prob’ly buy used when the time comes, I browse CarMax for relaxation.

I’ve been driving company cars for 22 years. Bought my ‘97 Ford F-250 Powerstroke used from my dad, the original owner. Just the house to go, maybe 3 more years.




P

Pos cars are easy to own, in the age of cell phones.

Also pos cars will go 200-300k miles if you don’t do no starsky and hutch type chit.

Back before cell phones, cars were played out at a 100k

Busting a u joint and no cell and having to walk 5 miles to the first hatchet murderers house always made for a bad day.

Wrong thread man... but I still dont see him?

Taylor Swift is a fugging goomba.

A rich goomba. ..

Lurch,s semi good looking kid sister from the Adams family whose world revolves around a couple of stupid cats that need the good ole back up 5 and punt treatment.

270 and 370 thou on the ones I’m running (the older one with a 170 thou salvage motor, still doesn’t burn oil) The school auto shop has been keeping me afloat these past few years, that and the fact they’re Toyotas

Good for you!

We bought furniture on one of these deals years ago.
I ask the shop owner what the hook was, no one gives me a couple
grand for six months for free.

He said, "I was just going to warn you."


It was through a small bank/high interest loan place.
They actually do it for free.

HOWEVER. the interest is calculated at around 25%, starting the day
you sign. No payment plan. No required payments for six month.

IF, you don't have it fully paid off before the 6 months expire, you go on a
monthly payment plan.

And owe all the interest from day one.

He told me that this costs
him nothing, he recieves nothing.
It does allow him to sell more furniture.

And, while it is a benefit to his customers,
He goes beyond Truth-in-lending rules to explain the situation to
people.

I would love to know the ratio of people who benefit/dumbasses who
get screwed.

Well, screw themselves.

Sheeeeit fella,

what the heck you think the roll of tie wire was in the toolbox in the trunk for? That and some ducktape, wire up that joint, wrap it good with the sticky stuff, get you back to the main road if you take it slow.

If it's a long ways you might have to repair the repair a time or two, but I'm not one for stopping at strangers houses on dark roads, specially as good lookin' as I am.

Some 'ol bearded toothless hag likely to snatch me up at gunpoint and have her way with me.................no way sailor, I'm a big proponent of tie wire and ducktape.

GEno

Sounds like it meets your needs. For others, like me, it would not. Different needs for different desires I suppose...

I love these threads!

Just by seeing all the payday advance businesses popping up around our small town lately, I’d say there is definitely a need for a guy like Dave Ramsey.

I suspect it would meet your needs just fine, Ed, but not your wants........

Wife and I buy a new car about every 4 or 5 years, get about 60K on them and they seem to sell for a little more.
I bought a new 2017 Explorer with cash, then a year later wife bought a new 2018 Terrain. We were going to pay cash but the dealer said he could give us another $500 discount if we financed with GMAC, I asked if the was any penalty for early payoff and he said none. Made one payment then paid it off, easy $500. I figure from past experience, trading in our cars is like getting a 40-50% discount on new ones.
We have no dept, house paid for, condo paid for, 3 cars paid for, only monthly payments are utilities, gas, food and some fun.
Unlike others here we have set up a trust fund for our kids, we brought them into this world, we figure we can help them out when we leave this world, both wife and I did receive some $$$ when our folks passed.
We have been lucky in life and money, from food stamps in college and student loan dept, to paying for our three kids 4 year college degrees, they seem to be following the same course in finances that we did, so now at 75 we've been married 53 years (that's a big money factor vs. divorce) and have stayed healthy. What worked for us may not work for everyone, but saving and investing from our early 20's has paid big dividends now.
Luck, good health, good marriage, and a good education was the secrete to our success.

I like Dave, and believe he provides a valuable service for most of America. It's really rather simple though......get out of debt, live on less than you make, invest all you can.