LIVE'S ARE BEING CHANGED!

Wow, what a blessing it is to have Dave Ramsey's 3 hour radio program in Indianapolis, Indiana. Everyday we are receiving emails and phone calls from friends, co-workers and family asking us to help them get started with Dave Ramsey's Baby Steps. What an honor it is for us to help the people we care most about with the Godly principals that Dave Ramsey teaches.

If you don't know what the 7 Baby Steps are, then here is where you can start!

CLICK HERE for the 7 Baby Steps!

Let us know if we can be of assistance or pray for anyone that needs help getting started. Were not there yet but we are getting closer everyday to yelling - WE'RE DEBT FREE!!!

See Dave Ramsey LIVE in Indianapolis

Dave Ramsey is coming to Indianapolis, Indiana
Thursday, November 15 6:30-9:30 PM
Indiana State Fairgrounds - Pepsi Coliseum.

Below is the top ten reasons to attend:

1. How to spend purposefully with an easy-to-follow plan.

2. What it takes to get out of debt and stay out of debt.

3. How to deal with the differences between men and women when it comes to finances.

4. The power of compound interest and how it affects your savings.

5. How to become a cheerful giver.

6. How to invest with confidence using diversification.

7. How to communicate better with your spouse about money.

8. How to work the Debt Snowball.

9. The basics of mutual funds.

10. How to get a good deal on a car or house.

Ramsey is burning up the Airwaves!

Wow! It's unbelievable the amount of phone calls I am getting from family, friends and co-workers about how they have started listening to Dave Ramsey on the radio in Indianapolis on 93.9 FM. I have people calling me weekly and asking, "Didn't you and your wife do that Dave Ramsey thing?" Of course my answer is not only did we do that Dave Ramsey thing but we still do and always will live by the principals taught in Dave Ramsey's Financial Peace University. I'm currently without my copy of Total Money Makeover due to the fact that someone is always borrowing it. Listen if you have had the chance to hear Dave Ramsey on the radio you need to go to www.daveramsey.com between 2-5 PM EST and listen live. The principals that Dave teaches will totally change your family tree. It is time that we start Living Our Wage in the United States and stop letting debt dictate our lives.

PureOnline - 30 days to purity.

The primary objective of the Pure Online project is to enable a speedy and effective recovery for men dealing with Internet pornography and other sex-related addictions in the most confidential and professional manner possible.

OVERVIEW:

Internet pornography is a $10 billion US business. It has ensnared millions of men in addictive, destructive behavior. Yet remarkably, there are very few effective ways to get confidential, online help for Internet pornography addiction. There are tens of thousands of counselors around the world that are available to help, hundreds of books, seminars, and workshops – yet almost no effective way to get help while online...until now.

Pure Online is the first, online, confidential, streaming-video solution for dealing with pornography addiction.

The course material was originally developed by teacher and author, Joe Dallas [read more about Joe Dallas] and is comprised of a five-section outline, ROUTE:

Repentance
Order
Understanding
Training
Endurance

The Men's Workshop includes an introduction from Joe Dallas where he shares his story about God transforming his life. Then, once inside the Workshop, each of the five sections include three chapters with video and interactive fill-in-the-blanks as you watch.

The Singles Workshop (both guys and girls versions) features eight different speakers who are experts in their fields. The speaker team includes pastors, counselors, and authors--each with specific experience in working with men and women regarding sexual sin issues.

CHRISTIAN PROGRAM: While sexual addiction is not a religious-only or Christian-only problem, Pure Online has been authored for a Christian audience.

Additionally, the program was created by a team of men who understand what you are going through--and specifically the unbelievable barriers to getting help. We understand the need for confidentiality and the need for a program that can help without you having to tell four different people that you need help.

Learn how you too can get started on the 30 day road to recovery with Pure Online.

No More CREDIT CARDS

We Did It! We paid our last credit card off while on our vacation. We don't owe any credit card debit. What an unbelievable feeling of freedom. While on our paid for in cash vacation to Myrtle Beach, SC we made our last online payment to CitiBank Credit. You can't believe the stress that is relieved.

Our final debt to payoff is the mini-van. We are planning on selling the vehicle and paying cash for the amount we are upside down. Once we complete this we will be completely debt free except for the house. Be sure and check out Dave Ramsey's website at http://www.mytotalmoneymakeover.com to find out how you too can be completely DEBT FREE!

What is a good credit score?

When lenders talk about "your score," they usually mean the FICO® Score developed by Fair Isaac Corporation. It is thoday's most commonly used socreing system. FICO scores range from 300-850, and most people score in the 600s and 700s (higher FICO scores are better). Lenders buy your FICO Score from three national credit reporting agencies (also called credit bureaus): Equifax, Experian and TransUnion.

In the eyes of most lenders, FICO credit scores above 700 are very good and a sign of good finacial health. FICO Scores below 600 indicate high risk to lenders and could lead lenders to charge you much higher rates or turn down your credit application.

Now, as you know this is all just general information on how the lending world works. As followers of Dave Ramsey thru Financial Peace University, we do not borrow money. Except for a mortgage and put 20% down and finance no more than 1/4th our monthly income in a payment on a 15 year fixed rate loan. And yes you can get a mortgage without a FICO score.

Dave Ramsey has enough money to write a check to purchase an entire apartment complex but based on most apartment complex rental rules he couldn't rent an apartment because his FICO score is ZERO. We will cover this in more detail in future posts.

What BabyStep are we on?

Okay, things are better then we deserve in my household. We are on Baby Step #2 and will be completely credit card DEBT FREE at the end of March 2007. We are taking our first family vacation for spring break since starting Financial Peace University on January 21st, 2006. And the best part is that we are paying CASH for the trip.

It seems that the action that really got our debt snowball rolling was the sale of my 2004 Volkswagen Jetta. I was fortunate enough to get exactly what I owed for it. This in turn eliminated $13,000 of debt and freed up $325 per month to apply to our Debt Snowball. Keep praying for us as we continue this life changing journey. We truly are Living Like No One Else, So Later We Can Live Like No One Else.

Stop Identity Theft. Guaranteed.

Identity theft is the "Achilles' heel" of the information age, says LifeLock founder Todd Davis, because we can't function in society without our personal information becoming public.

LifeLock arranges it so that you are notified for your approval if you or someone else is trying to open a new credit card, equity line, cell-phone contract, etc. It does this by putting "fraud alerts" on all your accounts, which have to be renewed every 90 days, and then monitoring them for any suspicious activity.

If you do become a victim of identity theft, prepare for a lot of work. A 2004 study by Foley's center found that, on average, it takes a person 330 hours to undo the damage. Look at how LifeLock can Stop Identity Theft Today!

We're Living the Debt-Free Life!

Are you spending more every month then you bring in? Are you spending an Arm and Leg on coffee everyday? Learn from a young couple who got serious about getting out of debt. We're Living the Debt-Free Life! by Michael in Oregon.

No More Credit Cards!

Well, the scheduled date to pay off my Citi Card is March 30th, 2007. This is our last credit card bill. I can't tell you how much stress has been released with paying these cards off. We are planning a spring break trip and we are paying cash for it. What an awesome feeling. If you haven't already done so, you need to go to www.DaveRamsey.com and find a Financial Peace University class and signup. It really is time for you to take back your life! It was the best thing I could have ever done for my family.