I don’t have a BEF done yet because i’m trying to get caught up on my credit cards which was what everyone said Scott would tell me to do first. I’m behind on all of them except one and i’m making regular payments above the minimum on it every month. I’m also paying more then I can really afford on all the rest to get caught up faster. Citibank will have to wait until I get caught up to get a bigger payment and they agreed to wait. I make $693 a month not what some of you make $4 or 5,000 a mointh becuase you can work and earna goood salary and have two people working. I’m getting a divorce because my husband walked out on me nearly three years ago nad if you can’t understand my wanting to move on with my life then i’m sorry. I owe the attorney $210 and I will have it paid by the 3rd of September regardless of what I do now. My husband paid his half. I don’t see why you’re so angry with me.
I can afford the futon payments because i’ve already made up my budget through next year and will make extra payments when I can. It won’t take me eleven months to pay it off. And as for saving up the money, I have no money to save by the time i’ve paid my bills every month and bought things I need. I don’t have disposable income. I don’t have people or a bank I can just walk into and get a loan for a new car or a boat or some stupid vacation to Disney world. ALl of my money every month is accounted for. Isn’t that called a ZBB? Isnt that this group and Scott preaches? I don’t have satellite radio. I don’t pay the cable. I pay half the rent, half the electric, the phone and my bills. Then buy food and household items with the money left over. I’m following Scott’s principles. SUre, I don’t have a BEF yet but as soon as I get caught up on my credit cards to where i’m not over the limit and can pay less then i’ll be able to save it up and pay off the futon earlier then the agreement states.
And you know what, at least I didn’t go get a loan to pay for it. I have $3 to last me until the 3rd, how many of you can say that? Mom went to a foodbank the other day to get food to last us. The truck had to be fixed or we wouldn’t be going to the doctor or the store m,uch like some of you wouldn’t be going to work. I don’t know why some of you think it’s easy living the wya I do because it’s not and I don’t go around begging for money or help just because I have foodstamps or are on disability. You should try living in my shoes for a while and see how you fare, you’d find out how hard it really is just to survive. How often we go without. I’d kill to make thousands of dollars a month and live in a nice house and have enough money to pay my bills off in a couple of months. I’m happy that you’re debt free, I really am. More power to you. You need to remember that not all of us are as fortunate.
Would you like my backache? I’d be more then willing to give it away because i’m tired of it quite frankly and taking painpills all the time when it gets to be too much to take. I fell three times. My couch is broke. It’s uncomfortable. The cushions don’t fit no more. I let my mom have the bed because she’s my elder and I respect her and I love her and care for her. There’s no room in my apoartment for another bed. I’m getting rid of the coucgh and getting another that folds out into a bed so that I can sleep maybe without hurting so much. Do you not understand that? Apparently you’ve never fell and hurt yourself. I wasn’t on drugs or drinking when I fell. I slid into the bathtub. Had a grand mal seizure and fell. Had a bike accident. Then there’s millions of times that I just barely caught myself to keep from falling and all the other health problems I have. I’m glad that your health is great. Enjoy it while you have it.
I’m taking the advice i’ve been given. No more loans. This is the first thing i’ve bought on credit in more then a year thank you. And if i’d had the cash to pay for it outright I would have. Remember i’m broke.

but then he’s always been a tough love kinda guy though..no one would accuse him of not being a friend just because he is very blunt with people…I’m not going to empathize someone right down the road into more debt (to me that’s not love) when they admit themselves that they knew it wasn’t Scott’s way but that they did it anyway because that’s what they wanted at the moment. Especially when a person has been reading this blog for months and had much help and advice given to them numerous times in the past, but openly admits they chose not to listen to it.

And yes maybe this is just my own problem, but one thing that does bother me is when people come to the forum to ask for help in getting their financial picture in order, get lots of help and attention and advice from people here, but then turn around and say, “I dont care what Scott or any of you says, I’m going to do the opposite regardless”. That’s a deliberate choice they make, not just some mistake someone fell into accidentally that they need hand-holding for.

However I’m not totally heartless (lest you think I am)…If it had been a real emergency situation I’m sure many of us would do whatever we had to do in a real emergency even if it meant putting something on a credit card if we absolutely had NO other choice, especially if we had no savings yet to cover the emergency, which is another reason it’s imperative to get that emergency fund in place asap, instead of finding one more thing to make payments on for months first when better choices could have been made.

To encourage others that it can be done and not to give up, I want to say that we will be completely out of debt including the house at the end of this month..and starting BS 7 in August, so yes I see what following Scott’s plan can do for people, therefore I hate to see someone who is shortchanging themselves when they can do so much better if they would only decide to. I truly want the best for people which is why I am so blunt, and I think that’s why Scott is also.

So I repeat, a person has to make the decision on their own first before they will ever find freedom.

I bought a (used) futon with an extra mattress for $60 and we used it as a bed for a few months until I got my bed. Then we used it as a couch until I found the “once in a lifetime deal” on a living room suite. I answered an ad on CL for a college student wanting furniture for her first apartment! She bought the futon from me for $50.

We got a lot of use out of it for that $10 “rental” fee!!

My son’s bed was destroyed and he’s been sleeping on mine. Yesterday, I walked into a bed store with CASH and got a brand new queen mattress/box springs (floor model) that cost $900+ for $400. That’s for the mattress, box springs, a pillow, taxes and delivery. Then we put an ad on CL for my room mate’s king sized mattress/box springs for $50 and got a reply (but no cash yet!) within 10 minutes.

Actually, while I’m on the subject, we traded my son’s twin for his queen several months ago with someone. They wanted a small bed for their son and my son wanted a larger one (both dogs sleep with him!!!
LOL!). I did throw in all the twin sheets I had, too, but we had to buy him some queen sheets.

Is it too late to take the futon back?? I don’t think you can afford it. You can buy a nice, used futon or daybed for one or two of those payments.

See if you can get a public attorney, or ask around the courthouse. Book / movie club… I have returned stuff far after receiving them (like months).. ??? As long as they are in the same shape (movie not opened, book pristine) and you have the original packaging, put ’em back in it and return ’em. I have always had stuff accepted. Other option is to try to sell them on Amazon or Half.com and recoup at least some of the money. I got in lots of trouble with those clubs too – join the team!!!!! 🙂
Cats don’t scratch with their back claws, so you should be OK on that one. It’s the front ones they sharpen in the most inconvenient places. (Not all of them do – strange – had one that was never a problem and two that were total nightmares – the one even LIKED the spray bottle we disciplined them with.)

when my cat ripped a ever so tiny hole in the hose on my C-PAP machine. Had to be replaced and the cat got her front claws cut out which ended up costing me right at $99 for the procedure and some blood tests. May get the back claws out too.
And my broken couch has finally gotten to the point that it needs to be fixed before I need a crane to get up. My cousin is coming this week to see about how he can fix it because he knows about wood and I said i’d pay him for it. Then I had to charge some meds on mom’s account so we compromised that she wouldn’t have to pay her half on the electric bill this month. My pills were about $12 and the bill was $31 so it worked out.
I ordered a book and movie too thinking i’d have the money from my blow to pay for them, that was before the cat ordeal. So much for that. Too late to send them back so I may bum $45 from mom to pay for them or wait until july. Soon as I make my committments, i’m cancelling the movie club and have already got out of two book clubs which is good news.
The bad news is that my husband has jumped again so I can’t contact him at all and he owes me some money. I was planning on paying a bunch on my citibank card with it so now i’m screwed. I want a divorce but can’t file if I don’t know where to send the damn papers, can I?

If you have your BEF (or any emergency fund in place) you will have the money to replace the phone if you need to. Plus, you only paid $15 for the phone.
Don’t worry about not having the money to restart the landline. If you keep your cell phone charged and with minutes, you will be fine. Plus, you can always call 911 from any cell phone, even inactive phones (as long as the battery works)

I never talk on the phone and the only reason I have it is for my DSL, which I absolutely refuse to give up. I’ve got a TracFone which is all I need and since I never talk on it and only need to purchase minutes every few years, it only costs me $4.95/mo to keep it active without adding minutes to it. I pay ~$30/mo for a phone that very rarely ever gets used and that’s the least expensive plan that my phone company offers. We don’t have cable internet here, so the only other option is satellite high-speed internet, which would be more than my phone and DSL are right now.

I’m not technologically savvy, but I’ll do my best to explain. Your telephone is plugged into a box that is plugged into your computer that’s plugged into the internet, or something like that. You basically are talking on the telephone over the internet. You would probably get a much better explanation by googling it.
Sometimes the companies offer the first month free, but the standard rate per month seems to be $19.95. I hope this helps a little – please forgive my nontechnical jargon.

we were paying about $20 per month for our landline and our new area charged $50 (just for local, that did NOT include long distance or any extras) plus $30 and up if we wanted internet. I said forget it, got my cell phone with family plan ($65 for 3 people, unlimited mobile to mobile, nights & weekends free), and am saving at least $50 per month by not having a land line. I did try the VOIP service for about a year, and was extremely pleased with the price but the quality wasn’t wonderful and most people called me on my cell anyway, so we dropped that too. If you have to have a landline, are you able to get VOIP? You could save a lot of money – a flat fee per month which includes local and long distance, and caller ID too.

denim fabric at walmart and making a case for my cell phone. I really like to do things like this. Mom’s getting one for christmas. Velcro with the sticky back will secure it shut or a button. Just have to learn how to sew buttons. Can’t be that hard. It’s a little pink tracfone so it doesn’t have to be a big case.
I’m still on the fence about dropping the landline. What if I drop it and i’m too broke to replace it?