Finally gave into Ramsey+ App

  1. $200 a month for groceries really shouldn't be a problem, but you have to be willing to do your own cooking from scratch. There are plenty of blogs and youtube channels dedicated to cheap meals or meal planning on $5/day or whatever.

  2. Hi! Can you elaborate further on the Ramsey+ app in relation to your story? I’m glad you were able to take time off to take care of yourself.

  3. I signed up for it to get budgeting organized along with my financial coach, i meant to relate back to it and kinda forgot lol

  4. I'm not single but I budget like mad for groceries. I could give some useful tips to help you stay under your desired budget:

  5. 1- I'm in good shape and healthy yet 2 years ago I had to change to a healthier diet than I had previously and even back then my diet was fairly healthy. I had to choose recovery and being able to go back to work ( I had a stroke ) or depend on medicines and side effects and most likely changing careers and working for much less money. The new diet won and because of my diet changes our food bill went up. I am currently not taking any medicine and the moment I stopped I began feeling better and better. Eating healthier despite the higher cost was a choice I had to make and the difference in income had I quit my job would have been tremendous, not to mention loss of medical insurance and other benefits this job pays. Short answer, my health far out ways and 8 dollars per day ( 210 per month ) is not something I'm going to consider. 2- short answer I have not been in your shoes but I have dealt with debt issues that at one time seemed overwhelming to me . That is a very long story but 26,000 credit card debt and IRS 32,000 . I paid all that down over a 3 year time frame. 3- Once I had a settlement agreement with the IRS I went full on with paying down debts. The IRS debt I paid with in a few months of the agreement it was the credit card debt that took me a while to get through. I would call on the phone and check my credit card balance and pay down a portion of the debt every 3 weeks or so and every time the balance went below a round 1000 dollar market I would make sure not to let it go back a above . Say 14868 to then 13937 as just an example . Once that 14,xxx was removed I focused on removing the 13,xxx and so on. I got into it. I have never forgotten the process though and because of that I have kept my debts manageable and I do my best not to get carried away on frivolous spending.

  6. thank you so much for sharing your story, i also took a severe paycut, but after hospitalization that is okay. I'm young (29) but I know that debt isnt forever it does suck right now tho haha, i also owe the IRS money... so the 130K isnt the total, but i havent found out exactly how much it is yet because my CPA's are working on it

Leave a Reply

Your email address will not be published. Required fields are marked *

Author: admin