Comments on: We are DEBT FREE! Thanks, Dave Ramsey! http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/ Conversations among those passionate for teenagers. Fri, 19 Mar 2010 00:15:46 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Jamie http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-175981 Jamie Sat, 28 Feb 2009 04:51:26 +0000 http://www.studentministry.org/?p=2018#comment-175981 Hey Tim, Thanks for your story on becoming debt free!!!! Congrats! Freedom! Can I ask a technical question about ramsey's plan? Did you guys stop putting into your savings after saving your $1,000? He makes it sound that way in the book unless I haven't been reading carefully. He makes it sound that as soon as you save up your $1000 then you should put ALL your extra money towards debt. Is this what you guys did. Feel free not to ask if this is too personal of a question Jamie Hey Tim,

Thanks for your story on becoming debt free!!!! Congrats! Freedom!

Can I ask a technical question about ramsey’s plan? Did you guys stop putting into your savings after saving your $1,000? He makes it sound that way in the book unless I haven’t been reading carefully. He makes it sound that as soon as you save up your $1000 then you should put ALL your extra money towards debt. Is this what you guys did. Feel free not to ask if this is too personal of a question

Jamie

]]> By: Tim Schmoyer http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-161146 Tim Schmoyer Mon, 10 Nov 2008 15:29:51 +0000 http://www.studentministry.org/?p=2018#comment-161146 @Eric: Dana and I both play the role of the nerd and free spirit at times, depending on what the item is we want to buy. Generally speaking, though, she's probably the nerd, but not by a lot. @Eric: Dana and I both play the role of the nerd and free spirit at times, depending on what the item is we want to buy. Generally speaking, though, she’s probably the nerd, but not by a lot.

]]> By: Eric http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-161141 Eric Mon, 10 Nov 2008 15:15:24 +0000 http://www.studentministry.org/?p=2018#comment-161141 My wife and I started the TMMO journey before becoming full-time at another church. We got on a budget and moved. My wife doesn't have a teaching job yet, so our income dropped by about 30,000. We currently have about 40,000 in debt and 2 toddlers running the stairs. Thanks to Dave, we haven't been struggling due to the budget. I urge everyone to spend each dollar before you take it to the bank ON PAPER. "Imagine what the people of God could do for the kingdom of God if they were debt free." Congratulations Tim and Dana. Just a question, according to Dave, which one of you is the free spirit and which one is the nerd? My wife and I started the TMMO journey before becoming full-time at another church. We got on a budget and moved. My wife doesn’t have a teaching job yet, so our income dropped by about 30,000. We currently have about 40,000 in debt and 2 toddlers running the stairs. Thanks to Dave, we haven’t been struggling due to the budget. I urge everyone to spend each dollar before you take it to the bank ON PAPER. “Imagine what the people of God could do for the kingdom of God if they were debt free.” Congratulations Tim and Dana. Just a question, according to Dave, which one of you is the free spirit and which one is the nerd?

]]> By: Ben Moses http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-161097 Ben Moses Mon, 10 Nov 2008 13:04:40 +0000 http://www.studentministry.org/?p=2018#comment-161097 It feels great doesn't it? My wife and I were able to do the same a couple years ago and you would be amazed at what financial freedom allows you to do that you would never be able to any other way. God sure does bless and trusting in Him to provide is one of the blessings in this life. It feels great doesn’t it? My wife and I were able to do the same a couple years ago and you would be amazed at what financial freedom allows you to do that you would never be able to any other way. God sure does bless and trusting in Him to provide is one of the blessings in this life.

]]> By: David (Tims brother) http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-161092 David (Tims brother) Mon, 10 Nov 2008 12:50:29 +0000 http://www.studentministry.org/?p=2018#comment-161092 Nice job you guys, and just as an FYI to anyone out there, if you want to get one of Dave Ramsey's books for free you just have to send him 5 of your credit cards in the mail. (clearly the canceled/old ones) Of course you can put hole punches through the numbers and name. He uses them for live presentation disctruction!!! Adrienne and I are saving to pay cash for a car, I keep researching cars for motivation to stay on track :-) Nice work again and we'll see you soon. The address for Dave Ramsey is: Financial Peace Plaza Attn: Lara Johnson 1749 Mallory Lane Suite 100 Brentwood, TN 37027 Nice job you guys, and just as an FYI to anyone out there, if you want to get one of Dave Ramsey’s books for free you just have to send him 5 of your credit cards in the mail. (clearly the canceled/old ones) Of course you can put hole punches through the numbers and name. He uses them for live presentation disctruction!!! Adrienne and I are saving to pay cash for a car, I keep researching cars for motivation to stay on track :-) Nice work again and we’ll see you soon.

The address for Dave Ramsey is:

Financial Peace Plaza
Attn: Lara Johnson
1749 Mallory Lane Suite 100
Brentwood, TN 37027

]]> By: Dana http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159969 Dana Sat, 08 Nov 2008 05:23:18 +0000 http://www.studentministry.org/?p=2018#comment-159969 Thank you everyone for all your encouragement. It is so nice to have others around you working on the same goal. There are/were many other couples in our church working to get out of debt at the same time. It is good to keep each other updated on when another debt is gone and the snowball keeps getting bigger. Spread the word and stay encouraged! Thank you everyone for all your encouragement. It is so nice to have others around you working on the same goal. There are/were many other couples in our church working to get out of debt at the same time. It is good to keep each other updated on when another debt is gone and the snowball keeps getting bigger. Spread the word and stay encouraged!

]]> By: mom schmoyer http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159779 mom schmoyer Fri, 07 Nov 2008 19:56:37 +0000 http://www.studentministry.org/?p=2018#comment-159779 Proud of you both AGAIN as ususal !! When Dad and I were first married we had to decide whether to have heat in our PA house or tithe. We tithed and God kept us warm enough somehow. Later we had to decide to save for the future @ $25/month or buy REAL milk ( you know that liquid stuff all you Schmoyer's crave) or buy NON instant "miliatry" powdered milk. Well, 18 yrs of drinking that "white water" paid off when we had 4 teens in private Christian colleges at ONE TIME...With NO student loans.. and that was on a part time nurse salary and very small church pastor's salary. Less IS better . Everyone should be poor at least once in their life so they have the opportunity to learn to be good stewards of their resources You have done very well and God has honored that like He did your parents before you... God Blessed you both Congratulations -Mom Proud of you both AGAIN as ususal !! When Dad and I were first married we had to decide whether to have heat in our PA house or tithe. We tithed and God kept us warm enough somehow. Later we had to decide to save for the future @ $25/month or buy REAL milk ( you know that liquid stuff all you Schmoyer’s crave) or buy NON instant “miliatry” powdered milk. Well, 18 yrs of drinking that “white water” paid off when we had 4 teens in private Christian colleges at ONE TIME…With NO student loans.. and that was on a part time nurse salary and very small church pastor’s salary.
Less IS better . Everyone should be poor at least once in their life so they have the opportunity to learn to be good stewards of their resources
You have done very well and God has honored that like He did your parents before you… God Blessed you both Congratulations -Mom

]]> By: Friday Link Love: Volume 1 « Deep Roots. Wide Branches. http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159693 Friday Link Love: Volume 1 « Deep Roots. Wide Branches. Fri, 07 Nov 2008 15:32:38 +0000 http://www.studentministry.org/?p=2018#comment-159693 [...] and Dana Schmoyer share their story (Tim, Dana) of becoming debt free.  Their story gives me hope that I will be able to emerge from under [...] [...] and Dana Schmoyer share their story (Tim, Dana) of becoming debt free.  Their story gives me hope that I will be able to emerge from under [...]

]]> By: Jason http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159539 Jason Fri, 07 Nov 2008 06:19:29 +0000 http://www.studentministry.org/?p=2018#comment-159539 Congratulations Tim. My wife and I have been off to a rocky start with FPU as we get the $1000 put away, sometimes get the budget on paper, but after a few months it seems like we are dipping in the $1000 to support our spending. I'm really getting after the budget again for November. I can't wait to be able to post a similar blog. Congratulations Tim. My wife and I have been off to a rocky start with FPU as we get the $1000 put away, sometimes get the budget on paper, but after a few months it seems like we are dipping in the $1000 to support our spending. I’m really getting after the budget again for November. I can’t wait to be able to post a similar blog.

]]> By: Erin Satterlee http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159523 Erin Satterlee Fri, 07 Nov 2008 05:17:58 +0000 http://www.studentministry.org/?p=2018#comment-159523 Tim! Thanks so much for sharing your story - it has been such a blessing, and I can tell you that as a fellow youth worker with lots of debt accumulated from undergrad student loans, and paying as I go through seminary, it's good to be able to see that there can be a "light at the end of the tunnel". Enjoy the freedom! Tim! Thanks so much for sharing your story – it has been such a blessing, and I can tell you that as a fellow youth worker with lots of debt accumulated from undergrad student loans, and paying as I go through seminary, it’s good to be able to see that there can be a “light at the end of the tunnel”. Enjoy the freedom!

]]> By: Nathaniel Dame http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159489 Nathaniel Dame Fri, 07 Nov 2008 03:16:28 +0000 http://www.studentministry.org/?p=2018#comment-159489 Way to go!!! Way to go!!!

]]> By: Brian Eberly http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159305 Brian Eberly Thu, 06 Nov 2008 17:20:52 +0000 http://www.studentministry.org/?p=2018#comment-159305 Way to go you two! Such a freeing feeling that is! So glad to hear you are enjoying it! We are currently hosting a Dave Ramsey financial workshop at our church. So great to see others see the power of being debt free! The potential for helping the Kingdom of God when debt free is enormous! Congrats!! Way to go you two! Such a freeing feeling that is! So glad to hear you are enjoying it!

We are currently hosting a Dave Ramsey financial workshop at our church. So great to see others see the power of being debt free! The potential for helping the Kingdom of God when debt free is enormous!

Congrats!!

]]> By: Jason Stanley Marshall http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159286 Jason Stanley Marshall Thu, 06 Nov 2008 16:18:39 +0000 http://www.studentministry.org/?p=2018#comment-159286 Hey guys, Great job! It takes a lot of discipline to accomplish this. In a country and culture that loves to live way beyond their means you are a wonderful example to follow. DEBT FREE! You are now in a place where you can save up and GIVE more! An incredible book to read as a great follow up for this is "The Blessed Life" by Pastor Robert Morris. Way to GO! Jason Hey guys,

Great job! It takes a lot of discipline to accomplish this. In a country and culture that loves to live way beyond their means you are a wonderful example to follow.

DEBT FREE! You are now in a place where you can save up and GIVE more!

An incredible book to read as a great follow up for this is “The Blessed Life” by Pastor Robert Morris.

Way to GO!

Jason

]]> By: Conner http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159271 Conner Thu, 06 Nov 2008 15:46:20 +0000 http://www.studentministry.org/?p=2018#comment-159271 What a testimony! My wife and I are in a financial crunch now of trying to get rid of all the debt we've acquired. We're down to the 2 vehicles and a student loan (well and a mortgage.) Ironically, when I worked at a bank for 3 years they were so pro-credit cards and debt that we thought we were doing what everyone did! We have now decided we must get on a budget to finish these last few payments! Your story is awesome! What a testimony! My wife and I are in a financial crunch now of trying to get rid of all the debt we’ve acquired. We’re down to the 2 vehicles and a student loan (well and a mortgage.) Ironically, when I worked at a bank for 3 years they were so pro-credit cards and debt that we thought we were doing what everyone did!
We have now decided we must get on a budget to finish these last few payments! Your story is awesome!

]]> By: Ryan Akers http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159270 Ryan Akers Thu, 06 Nov 2008 15:41:28 +0000 http://www.studentministry.org/?p=2018#comment-159270 Totally awesome story. Every time I listen to Dave's show and someone calls in debt free I honestly can't help but get a bit emotional to see the joy they have that they have their finances taken care of, and can now start living and giving as wonderful stewards of God's blessings. Fifteen months is an awesome amount of time to get all of that taken care of. I'm not married - yet - but plan to be within the next 8 months. But, thanks to Dave being a bug in my ear since I was eight years old (thanks mom and dad) I have already figured out that post-marriage can be debt free within about 15 months, hopefully less! Again, Congrats! Totally awesome story. Every time I listen to Dave’s show and someone calls in debt free I honestly can’t help but get a bit emotional to see the joy they have that they have their finances taken care of, and can now start living and giving as wonderful stewards of God’s blessings. Fifteen months is an awesome amount of time to get all of that taken care of. I’m not married – yet – but plan to be within the next 8 months. But, thanks to Dave being a bug in my ear since I was eight years old (thanks mom and dad) I have already figured out that post-marriage can be debt free within about 15 months, hopefully less! Again, Congrats!

]]> By: Ryan Nielsen http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159268 Ryan Nielsen Thu, 06 Nov 2008 15:37:18 +0000 http://www.studentministry.org/?p=2018#comment-159268 Congrats Tim!!! Other than the mortgage on our home, my wife and I are completely debt free as well. We committed to working hard to be debt free by the end of our first year of marriage and we did it. It is an amazing feeling and freedom. Congrats Tim!!! Other than the mortgage on our home, my wife and I are completely debt free as well. We committed to working hard to be debt free by the end of our first year of marriage and we did it. It is an amazing feeling and freedom.

]]> By: Claudia Farr http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159240 Claudia Farr Thu, 06 Nov 2008 14:58:05 +0000 http://www.studentministry.org/?p=2018#comment-159240 Congratulations! My husband and I are trying to do the same. You give us hope :) Congratulations! My husband and I are trying to do the same. You give us hope :)

]]> By: Jeremy Blount http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159232 Jeremy Blount Thu, 06 Nov 2008 14:48:57 +0000 http://www.studentministry.org/?p=2018#comment-159232 Congrats Tim. Thats awesome. Way to set a good example again. Love the emergency fund priority over your down payment. Wont be long till your owning your own home. Way to go man. Congrats Tim. Thats awesome. Way to set a good example again. Love the emergency fund priority over your down payment. Wont be long till your owning your own home. Way to go man.

]]> By: Matt Horne http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159225 Matt Horne Thu, 06 Nov 2008 14:36:44 +0000 http://www.studentministry.org/?p=2018#comment-159225 Congratulations! Have you called into the radio show and yelled "FREEEDOM!" at the top of your lungs? Congratulations! Have you called into the radio show and yelled “FREEEDOM!” at the top of your lungs?

]]> By: patti http://www.studentministry.org/we-are-debt-free-thanks-dave-ramsey/comment-page-1/#comment-159204 patti Thu, 06 Nov 2008 13:12:11 +0000 http://www.studentministry.org/?p=2018#comment-159204 Congrats to you both! It's an awesome accomplishment! Congrats to you both! It’s an awesome accomplishment!

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