2009 Year in Review
12/30/2009 5:32:26 AM 2009 YEAR IN REVIEW: I guess it’s a bout time that I write a little bit about our year in review. Sally & I were discussing our highlights and lowlights of 2009 and we’re working on the top 10 issues. WE’RE DEBT FREE! On Nov 2009 I was able to pay off the home equity loan in full! The “HEL” loan had ballooned up to 18K at one point. We were using this loan as an excuse for spending more than we were making. I only have a little visa to pay off. I fixed up my “hearse.” The 73’ Ford truck was my parents’ truck from years ago. When DAD passed away in 1978, I bought this keepsake for to remain in the family. In order to be debt free we merely had to BUDGET our money. I use Microsoft excel to budget the figures. We are lifetime members of Dave Ramsey’s Financial Peace University. We first attended a class back in 2006. We used the turtle method as opposed to the gazelle method. Those who have participated in FPU would understand. Our Lutheran church here ...