I’d like to save enough money to pay for school when I graduate next spring.

to become debt free.

Payoff my student loans!

My financial goal is to somehow find a way to pay off my student loans and build an emergency savings fund.  Right now, these both seem unreachable and impossible.

We want to be able to save enough so that our son can go to a private Christian school and not go deeper in debt.

to save money to help my family more.

I plan to have a credit card and car paid off, I do have this as a plan for this year, but my husband was laid off from work just before Christmas and we have 2 young children (7 years old and 2 years old) that we have to figure out now just to stay a float until he can be hired again. He works as a Web Developer and is a really good one so I fear not that God will put one good one in our path :) Thank you so much for the opportunity to win this gift.

Save enough money to buy a piece of land for our next home outright, while increasing missions offerings per month by $10.

Make $2000 a month in my business.

Our goal is to pay off our credit card this year to start saving for a down payment for a new house!

Our goal is to pay off a house this year!!  If we can pull it off, we will have paid off 2 houses in 2 years!!  We are what you might call extreme savers.  We see saving as an extreme sport.  Thanks to your website, we save even more than we ever thought we could.

I have been wanting to get on Dave Ramsey’s plan for about a year now, but I haven’t been able to get my husband to agree. my financial goal this year is to get my husband on board with doing the Dame Ramsey plan FIRST, but I would like to pay off all my credit cards(thanks to my younger unresponsible days) and medical bills!

I would love to have this kit to get us on the road to financial freedom.  It feels like an impossible dream.  I need something to guide us and get my husband in line on a plan.

We plan to save up for a new-used car.

I’m pretty excited about this post! Our goal has always been to get out of debt. One smaller goal for this year is to 1. Pay off our credit card and 2. pay off one of our student loans :)

Having an emergency fund and than paying off our two credit cards

We are going to work on paying off credit cards and student loans. It is always depressing to pay bills in our house when there never seems to be enough money but we make good money.  We could really use something like this..

My goal is to deposit more money into our retirement fund and pay toward the equity in our home.  Would love to cut our total number of house payments in half!

to buy a house this year

I plan to finally pay off my student loans, which will just leave me with the house to pay off. I already have my emergency fund, no credit card debt and my car is paid off. I will be able to double up payments on my mortgage to pay it off faster!

Hopefully we will pay off Sallie Mae, one credit card, and not accrue any more debt in 2012!

I would like ot cut all my bills in 1/2 then add to savings. :)

We want to set some goals and pay off some debt and not get into any more debt!

We want to build a sizable savings account by living below our means.

Pay off my last student loan!!

We just finished FInancial Peace University at our church and what a difference it has made in the way we manage our money!  My goal for 2012 is to continue to follow the principales we have learned and pass them on to others.  I would love to win one of these kits to give to a family in our church that could benefit.

My goal is pay off at least 2 debts and raise credit score by 20pts this year.

We are wanting to focus more on giving than just gathering more ‘stuff’!

We are going to pay off our 2nd mortgage in 2012.

My goal is to save $1000,pay off 2 credit cards totalling about $2000, and stick to my budget each month.

I’d like to build my emergency fund back up.

Save 15% of my income

Be on track with my mortgage and pay all credit card debts! By God’s grace…

Stop living paycheck to paycheck and save for my two sons college education.  I also want to learn how to be smart with my money so that I can educate my children when they get older.

To save enough for an extra graduate course this year.

to buy a reasonable used car with CASH, fasting from unnecessary shopping for the January Daniel fast.

My husband and I plan to adopt at least 2 children and we already have 3 kiddos of our own. He’s finishing residency and starting fellowship so we have several more years before he has an income that would pay for the fees to adopt. We’d love help to figure out how to live below our means and start saving for the adoptions. 

I want to yell “I’M DEBT FREE” on his show……

Clearly I cannot type well on my phone. Ugh! Smartphones are stupid.

I want to pay off out last credit card so we can start paying off my student loans!

Continue to aggressively attack our only debt…our mortgage.

my goal is to change the way i think about money and stop living paycheck to paycheck.  i am ready to get out of debt once and for all!!!!

Pay off all of my surgery bills & be completely debt free!!

To pay off some of our bills before my husband retires from the Air Force.

We would like to pay off our last student loan and pay an additional payment on our house payment. 

paying off a student loan

Our goal is to continue to build up our Emergency Fund in our savings acct.

I want to live a different life than my parents but that’s all I know. I see myself living paycheck to paycheck and shouldn’t. I make good money and so does my husband but have no idea where it goes. I’ve heard nothing but good things about Dave Ramsey. Would like to experience it for myself. My husband would be onboard also. Hope you consider us as we need re direction before we get much older. Thank you

i would pay off my student loans and car payment!! :)

to pare down our expenses to so we can tithe more and pay more on debt to be debt free in 5 years

Our financial goals for 2012 are set a realistic, tight budget & stick to it so that we can pay down our unsecured debt.

Our biggest financial goal this year is to pay off some collections that we have that are preventing us from purchasing a house. We aren’t really sure how to go about paying the collections off but we are still going to try.

Making our new budget work

My financial goal this year is to pay off 2 credit cards and not use any credit cards this year.

Pay off our car and build our savings

We want to pay off our credit cards and save more money.

My goal for 2012 is to pay off my credit cards, my student loans, and begin to save for a house for my soon-to-be husband and I. :D

Merging mine and my new husbands finances together ad saving for our first home!

Would love to significantly lower our debt and add to savings.

Our goal for 2012 is to have all debts paid except the mortgage. My husband says “This IS the year!”

I would love to get the medical bills paid off!

We want to pay off our mortgage quicker

my boy friend and I are trying to pay down our debt (my student loans and both of ours stupid credit card mistakes) so we can get married! 

We want to start saving (a little late ok a lot late) more money for our Daughters college fund.

To save up enough money to start building a house!

Pay off debt!

Would like to get our BEF done, pay off all our current debt, and work on old debts(sitting on credit reports). In hope by next year we can start working on doing our FFEF and saving for a house!

Like many, I’d like to pay off credit cards.  I also have school loans.

Many goals for our family in 2012… included are budgeting and sticking to it!

We plan to demolish our debt and restore our savings after 10 mos of unemployement

Pay off credit cards so we can start working on our saving account

This year I would love to get several of my credit card bills paid off!

I had to resign my job working at school due to an on the job injury. It has been difficult to continue paying all of our bills. It is a struggle every month. My hearts desire is to pay off our mortgage and other bills so that we will be debt free and be able to help others that are in need.

Our big goal for 2012 is to fully fund our Emergency Fund at around $15,000(6 months worth of expenses)! We have our ‘baby’ emergency fund of $1500 & we’re debt free, so it’s on to Baby Step #3!

Our goal is to pay off our credit card and hospital bills then we can focus on my student loans and mortgage. We will like to be debt free with everything except our home within 2 yrs.

We would like to stop spending and start saving for our future.

Make a budget and go to the cash envelope system!

My goal is to get control of my money ~ have money for a vacation, and pay all my bills on time!

We would like to sell some property and use those funds to pay off our mountain of d ebt a well as avoid foreclosure. Our church is actually offering the Financial Peace University soon, so the timing couldn’t be better for us.

two fold goal – first and foremost to save some money and also to pay down some debt.  We have a daughter attending college now and the challenge to keep up has become overwhelming.  We definitely need the Dave Ramsey way in our lives.  We did this once before but with the accountability of a friend and I know IT WORKS.  Just need the tools to make it happen and NOW!!

We are working on building an emergency fund and saving for a downpayment on a new house.

Reduce my debt as much as possible this year!  For sure!!

Through Dave’s first book we have paid of my husband’s student loans & what we owed his parents. Our goal for this year is to pay off my husband’s truck. If we can do that we’d like to try for a baby!

I want to get all credit cards paid off and to start saving so I have 2 months worth in savings as a emergency fund in case of job loss or a illness.

We are planning on having all credit cards paid off and a nest egg built!

To cut expenses and debt so that we can continue to live on one income.

Our goals this year is to build the savings acct back up after hubby being laid off, contribute more to his work funded 401k and add to the IRA we rolled his last employer funded 401k into.

I would LOVE to win this! Our goal is to get the credit cards paid off (next month! yea!) and to build up a good emergency fund.

Since we are now debt-free (as of December 2011) our goal is to build up wealth.  We have a specific goal to have a certain amount of money in savings by May 1st.  We set our goal and made a plan to achieve it.  One other goal is to help others to reach where we are (smarter and quicker).  We have a number of friends in the same plight we have spent most all of our married life—we are ready to “pay it forward”.

I would totally pay off my debt and never  get back  in debt I am already learning to save and  buy things when only I have enough cash for it !

Build an emergency fund.

pay off education loans from grad school!

My finaniacial goals of 2012 are to get my expenses under control so that I can help more people. If this means getting rid of cable so that I can give someone a meal- I’m for it

Pay off some debt and start saving more!!!!!

My Goal is to pay off credit card debt and car loans.

To be a good steward with money provided in our household. To be able to save for kids’ college, retirement and to give more to worthy causes.

Rebuild our savings and pay off student loans

Our goal is to pay off all our credit cards so that we can use that extra money to pay towards my student loans and get them paid off faster.

we moved to NC 5 years ago a newly weds to take care of my mom whos health was failing.  she has since passed and we have 50,000 in debt and a toddler now.  This year we plan to move to FL to care for my hubbys parents who are in their 70′s. we have to figure a way to save, pay to move, and have money to hold us over once we move.  we need this to help us so i can repay my hubby for his sacrifice in moving here for me.

Pay off credit card debt.

My husband and I took in 3 teenagers who were in a horrible situation and then found out we were pregnant all with in the last year and a half. Now we have 4 month old and the oldest 2 are in college. Needless to say our finances are not were they should be. Our goal now is to get rid of credit card debt, pay of a line of credit at the bank and pay of the last of my studnt loans… and then start saving!!! Since I started couponing 9 months ago we have paid down our credit cards by half!!!

A fiancial goal of mine is to pay off at least two of my credit cards and help my mom!

our goal is to get into a better financial position with my hubby’s car payments to allow ourselves to pay for our children’s private education.

Pay off hospital bill and start saving!

Thank you for posting information about financial goals.
Yes, our family has discussed several goals for this year, and we’ve tried to be realistic about each goal.  Instead of stating that we will pay off ALL of our debt, we’ve re-stated that goal to name a specific bill to be paid off.  We’ve talked to our children (4 teenagers) about helping with the monthly expenses by helping to plan our dinner menus, find the coupons, and stick to a certain $$$ amount for each grocery shopping trip.  One of my children was very proud during the first week back to school after the holidays when she told me that she and her sister helped to save almost $20 this week by packing their school lunch instead of buying lunch.
Ideally, I think the main goal this year for our family is to keep better track of every penny we spend while also setting aside a specific amount each month for saving and debt reduction. 
So, to sum it up ($$$, that is) we are on a mission to be more disciplined in our spending/saving for 2012!!!

One of my goals would be to pay off some credit cards! (those things kill you) :)

My goal is to pay off credit card debt, my car, and student loans in 2012. I’ve been working at it for 2 years straight while working full time and paying for college tuition full time on my own, no loans and no financial aid. I know have 5 credit cards down to 3. Looking forward to a debt free life and hope that with Dave Ramseys help I can get there!

To start following a written budget and get this debt snowball rolling.

I would like to pay off my credit card!

I’d love to be out of credit card debt in 2012. I am single and just moved to a new city and am trying to make a new start for my life.

Our goal is to pay off our van. That would be a wonderful relief!

Pay off small debts (about 1500) and buy a car cash

Stop living pay check to pay check!

Our goal this year is to save our 3-6 month emergency fund and start putting back 15% for retirement.

Pay off credit card debt. To stay within our budget despite really awesome coupon deals.

We plan to pay off our car and work toward a down payment on a house before my student loans come due.

To pay off our credit card (again!) and start putting more into savings.

Pay off all credit card debit and live off of my husband’s income and bank mine. 

We need a better plan for blending house renovation costs with our mortage pay down focus.

1/23 is Chinese New Year and I am a Chinese.  So I hope I will be able to winn one of the kit.  Our goal for 2012 is to fix up an old house we bought last year with all of our savings.  So we are trying hard to save more so we can get it all done by end of 2012!! 

One of my financial goals this year is to get a real plan in place to help my husband and I start to get out of debt.

Continue budgeting my financial aid to make it through these next 18 months of school, while continuing to help take care of my family.

To get out of debt except for our house. Almost there!

Goals 2012:  My wife and I are expecting our first little one, so our goals will be:

1.  Start a college fund
2.  Live more within our means

We have more going out than is coming in.  We have 2 in college.  My husband works full time, I work part time, and one of our children works part time and attends college full time.  My other adult child has moved back home and is attending school part time and is not working. This child has significant student loans.  I want this to learn to budget and live with less so we can have more.

I want to be debt free! On our way but sure could use the extra help!

To start to pay off things & workI joyfully instead of owing others :)

Recoup financially after being out of work for 2 1/2 years due to cancer.

My goal is to take my lunch to work everyday and save money

My goal is to have our family of five to truly live off one income without the use of credit cards.

We are creating a budget for the year. We are putting money in a emergency fund. After we have 6 months of expences in the emergency fund we will start a car fund for repair or replacement of my husbands car. I am paying off my car by the end of the year. I have heard of the envelop method & would love to use it. I really need to learn how to be accountable for my spending habits & learn to stick to a budget. 

We would like to pay off our credit card debt and start on our student loans.

To pay off some debt!

To save more and spend less! We are so close to being debt-free and I want to stay that way! Would love to go to one of his classes.

To get our account where we can save and not have to take money out of savings every month!

To build up our emergency fund!

Pay off all credit card debt for the first time ever

I would like to pay for any debt that are related to our kids and then start tackling the rest while keeping our family on a budget. It is a big year financially for us, our oldest starting school, paying off our car and getting a second vehicle, baby?, dental work and possibly buying our first home. We would love to have this. Thank you.

My main goal is to be free from needing credit cards to make ends meet at the end of the month, to save for the “what if’s” and have money in the bank to fall back on instead of credit cards. I also want to teach my 11 yr old how to be more responsible with money.

My goal is to better understand where our money is going!! You can’t be accountable when you don’t know what’s coming in and what’s going out.

Trust in God more financially, tithe and stop living pay check to pay check!

Pay off 1 of 3 student loans for my husband and myself and be that much closer to being debt free!!

To get rid of credit card debt!

To complete my 3 month emergency finance fund, and to start saving for our next vehicle so we can purchase with cash.

My 2012 goal is to get real about my financial future. It is time to get my head out of the sand and change 30 year old habits.

we’ve been DR fans for years!  Never had the opportunity to take FPU and would LOVE to!  Our goal is this year is to continue to work on Baby Step #2, paying down debt.  We are pinching every penny, getting intense about the debt snowball, and living intentional lives. 

for 2012 , I would like to get the credit card paid off and the car loan payment down because we will soon have a second child going to college. Husband hurt his back at work last year and we have been struggling a little bit since then. Our goal would also be to pay off some extra on kids college loans and try to build our savings back up for emergencies…..

To be able to save/give more and spend less!!!

Im 33 years old and would love to pay my parents back the tremendous debt that I owe them because of mistakes I made by myself in my early years on my own.

I would like to pay off my credit card and car loan debt.  With the recent birth of my twin boys, I want to purchase a home for them and be able to afford their college education.

My goal is to continue to pay down debt and get closer to having just a mortgage payment as my only debt

Baby #2 is coming in June and we are contemplating becoming a 1 income family, so we need to learn to live within a new budget and determine if it is even realistic for us to do so.

To be completely debt-free by the end of 2012!

I don’t think it would be possible with our household income to pay off all our student loan and car debt in one year, but I would like to pay off a big chunk of it this year.  I have always wanted to take this class to get my husband & I on the same page, but have always felt it was stupid to have to pay so much for a class when you are obviously already having trouble with finances.

Be debt free by the end of our first year of marriage by paying off $30,000 in student and car loans.

My goal for this year is to tackle the credit card debt and pay it off!!!  I want to win this because my son is graduating from high school and going to college.  I would REALLY want him to learn to be debt free right out of the gate!

To create and stick with a zero balance budget.

Pay down debt! Save more, spend less!

Pay off all credit cards and open a roth IRA

I would like to payoff all debt.

We are pregnant with our 2nd child and my husband is self employed so we only have catastrophic insurance, that means no maternity insurance!  We are saving and paying for the cost of our upcoming arrival in September!

My goal is to build our home savings account.  With six of us living in a 2 bed/1 bath house, space in getting quite cramped. I am trying to save up for a down payment on a bigger home.

I would love to get out of debt with credit cards and medical bills.  My husband had cancer and continues to have tests and mounting medical bills.
 

I would love to win this!!! We are trying to pay down as much debt as we can so that we can afford our adoption!!! :-)  We dont’ have a lot of credit card type debt, but we definitely need to better budget our money!  This would help a lot!!!

I would like to be able to save some money so I didn’t have to borrow all the time.

Goals…to spend less and save more!

I would like to pay off our outstanding bills and put more away in our emergency fund!

Goal is to pay of the credit card debt.  Husbands truck will be paid off hopefully after our tax return and once we get the credit card debt taken care of we will not be minus in our bank accounts every month and can actually save money for our 2 year old little boy’s future!  Thank you for the opportunity.

My goal this year to save $1000 emergency fund and build up my food storage!

We live paycheck to paycheck right now, and I know there are ways to save and get out of debt. My goal is just to get into a budget that would allow my family to pay our bills on time every month and save for emergencies. Being debt free is a #1 goal of mine, but I would love to get our financial head above water!

Paying off credit cards and starting a retirement fund.  Also would like to go on a vacation.  Since my husband got back from deployment we haven’t been able to save any money to go any where nice.  Would love to spend some time as a family enjoying each other.

I am a stay at home mom who is also on disability. Right now my husband and I are living pretty much paycheck to paycheck and would love to pay off some hospital bills and also try to start paying off our home loan!

One of my goals is to become debt free this year!

Pay off medical bills!

Pay off student loans.  Those things stink.  

I would like to be able to save for retirement and pay off morgage early.

I would love to be able to scream We Are Debt Free!!! We are working on our debt snowball at the moment and a new FPU is starting in Feb. we would LOVE to take the class.

I have several financial goals for 2012.

Establish an Emergency Fund
Save for a down payment on a used SUV….ours needs to be replaced (it just rolled over 230K miles!)
Grow a larger garden this year and put up canned foods to save on our grocery bill

Pay off out credit card

Wanna get started on getting rid of student loans.

Our goal Is to become almost debt free besides our home this year. Thanks to Dave and some of his books we’ve read and to listening to him on the radio. My husband and I have been married for 7 years now and if we would have only known then what we know now we would be completely debt free! Would love to win this:) thank you for the giveaway!!!

While most of our 2012 goals are based around finances, the main goals is actually paying down credit card debt. We can then move from those payments to paying off our auto loan early and up dating our house a bit. I am excited about these goals and would LOVE a few tips from an expert so we can get the job done!!

Pay off  our home

We are trying to pay down out student debt.

My financial goal for 2012 is to build my savings. Every little bit that trickles into my savings account will be a personal victory for me. Between student loans, bills and paying for a wedding it will be more than difficult. But I believe nothing worth having can come without a little (or sometimes a lot) of sacrifice.

Our financial goal: to pay additional amount on our monthly mortgage in order save money for college of my girls after we pay our house.

I want to continue paying off my debts.  I’m worried about finishing school soon and having student loan payments.  I’d really like to find out what I can do to help put myself and my family in a better position.

Get rid of credit card debt! Start saving for a newer car purchase.

Having just retired  we need to roll over retirement savings into something that will make money and not be too risky but we have a LOT to learn.

My husband and I are trying to pay off debt so that when we start a family (HOPEFULLY this year:-)) we can hopefully have a little stress taken off of us financially. We are trying to be good stewards of the money God gave us and get prepared as much as possible to start a family.

I am currently unemployed after the small business that I invested 16 years of my life to closed down in 2011. My goal for this year is to get off unemployment and build our savings back up that we had to dip into. Also need to pay off medical bills from my surgery in November.

Dave, My husband has just been diagnosed with advanced cirrhosis of the liver, congestive heart failure, enlarged heart, the chambers of his heart are thick, and he is a severe diabetic.  We are both on disability, me due to fibromyalgia, but I do work in the Title V mature worker program and love it.  Our edical bills are becoming astronomical and we are trying to juggle all our normal bills as well as the new medical bills.  Please help us!! 

We are trying to save more for retirement and our kids college.

Reduce our grocery bill by 50%. With your site’s help, of course

My goal is to find a way to stop living hand to mouth and to get some doctor bills paid down…and to start being able to do make some very much needed repairs to our home.  :)

My husband and I have moved around 6 times in the last 4 years for jobs. The moves have been beneficial for our family, but has taken it’s toll on our pocket book. We need some hands on training to keep from increasing our debt. I have been trying for years to use cash only, but something always comes up that requires more money, etc. I need my husband on board and to actually see the benefits of Dave Ramsey’s advice. Thanks!!

I have already went through Dave’s class and all I can say is even for all the people that do not win this giveaway, take his class!  My husband and I have been working on a plan for 1 yr now and have never felt more free of stress about finances, even though we still are working our way out of debt.

Set aside some savings to build an addition!

Pay off two credit cards and save $5000. 

Our main goal is to get back on our feet after our home short sells at the end of the month.  Then pay off our medical bills, and continue to not use credit while paying off the ones we do have.

Goal for 2012 is to build my credit and savings and to be debt free by the end of the year, minus student loans of course…

Our financial goal is to pay off our medical debt and the remainder of our other debt (except house) and to save up enough to replace one of our vehicles without financing one.

One of my goals is to start a college savings acct for my 2 year old!

Our family has seen a rough last year but we are determined to get rid of school loan and medical debt so we can work toward buying a home for ourselves and our three girls ,God willing.

to pay off our bills and become great stuarts of god

Our goal is to learn how to make ends meet on one salary and to be able to save for our 2 daughters college education.

I lost my job 2 months ago and I’m getting married in two months. I didn’t want to bring my debt into this marriage and burden my fiance and soon to be husband. In 2012 I want to be able to reduce any debt that has built up from the result of my time being unemployed. Hopefully, I will find a job soon and then all I will need are the tools to get me on track to starting my new chapter debt free.

One of our financial goals this year is to pay off enough debt so that we can buy a commercial building to use for our business.

I will be divorced this year. I am a single mom to two teenagers.  My goal for this year is to have my mortgage modified to fit my budget and have my spouse’s name removed from the loan.  I also intend to pay off my debt to the IRS.

We want to start saving for our kids’ college education!

I’d like to start paying off my student loans.

To be satisfied with what I already have……..

I am trying to make a dent in our student loans, so we can start saving for our daughter’s school!

My husband and I moved in together after two years of being apart. I was in a different state taking care of my mother who was diagnosed with cancer. This put a huge financial strain on us. We are slowly crawling out of the debt we created while living apart and trying to find time to see each other during our time apart. While it make our hearts grow fonder of each other, it put a huge financial strain on our family of 4. We can use any help available to us. We started out couponing but I believe Dave Ramsey could help us so much more then that. Please consider us in this giveaway. Thank you!

Goals:  

Build up 6 -12 months emergency savings
Save to purchase a card out right
Build up long term savings

Our goal is to stick to a cash-only system (with a budget, of course!).

Goals:  Build up 6 -12 months emergency savingsSave to purchase a car out rightBuild up long term savings

I would like to pay off the line of credit behind my checking account.

We have not done FPU but have been on Dave’s plan about a year.  The goal this year is to get the van paid off(2.5 years ahead off schedule!!)  Then on to the student loans.

Pay off debt – especially medical and tuition bills from my child’s special needs school and hopefully start to save for college

My goal is to pay off my student loans.

Completely pay off mortgage and have a healthy savings.  Getting close to retirement and got to get really busy.  Love Dave!!

Our goal is to continue to live debt free and to stay within a reasonable budget.  Also would love to buy rental houses as Dave suggests.

2012 goal is to pay off as much debt and start building an emergency fund.

To eliminate as much of our debt as possible this year and not incur any further debt.

This would be a blessing to us. We live in west Georgia and my husband recently took a job in upstate PA to try to keep us in our home and cars. He listens to Dave. We have both been wanting to take the FPU class. Getting our finances together would enable my husband and I the financial freedom we have desperately been seeking, and possibly get him home more often.

Oh my goodness.  With 2 kids in college and one 2 years away from college, we are spending more than we are bringing in.  A goal?  To be able to save money AND start some much needed renovations on our house.

Love Dave’s insight and plans… this year we are finishing paying cash for my graduate education at Vanderbilt University and then moving on to Baby Step #3!

Continue to knock out student loans.

To pay off all of our unnecessary bills.

Set up a budget and fund an emergency savings acct.

My biggest financial goal is to get out of credit card debt.

Pay off debt!

To help my daughter find financial freedom!

to be debt free, secure 6 months of expenses in the bank and get serious about a college fund for our son.  Pick me, pick me!!!!

We would love to be able to get our medical paid off and try to budget TOGETHER better.  It is so hard to focus and take care of 4 kids, a house and manage to keep it together when you are so worried about money.  PLEASE help us get there!!! :)

To eliminate our credit card debt and car payment. Then start a college fund for our daughter.

Me and my husband would love to be able to pay off some bills in order to bless others in financial need.

I have heard of Dave Ramsey’s teachings- would be great to win! One of my financial goals for this year is to pay of my credit card debit & then establish some savings. I need the steps to do this.

To save enough to pay cash for much needed new flooring for our entire house :)

Goal #1. Get our 6+ months of living expenses fully funded.
Goal #2. Get enough extra saved up so my husband can start flipping houses. (He usually gets laid off or else works extremely short weeks in the spring: his thinking is a house to fix up would be something to do, and extra income later on, as long as it does not dip into our 6 months of living expenses fund.)
Goal #3. Keep my grades high enough that between scholarships and one of the who knows how many jobs I’m trying to get, I’ll be able to pay for fashion school.. debt. free.
Goal #4. It would be great if we could end the year with enough in savings that when a foreclosure comes up in the area where we wanna move to.. we can grab it.
 

Our goal is to sell our house and use the equity we have to pay cash for a downsized house.  We will then be DEBT FREE.

I would so love to win one of these! I’ve been wanting to attend one of his seminars but we just  cannot afford it!

One of my financial goals for 2012 is to payoff credit card loans and increase my savings account.  I would love to win this prize!

My goal for 2012 is to get on the road to being debt free and saving for the future.  I also want to be able to give a lot more money to God’s work not just my tithe. I want to add more offerings also.

My goal is to pay off my car loan and to pay our tax return on our mortgage!

I am going to stop sneaking online purchases

To handle our finances with respect
Tithe to our church
Tithe to our savings 
Emergency Fund
Home Repairs
Payoff Debt

Our financial goal is build up our emergency fund!!

To pay off our credit card debt so when my husband retires we will be debt free!!!  After paying off our mortgage and credit cards we can put money into savings so we can have the emergency fund he talks about!!

To start contributing to our 401k.

Our goal is to create a budget, and stick to it!  Also try to save money this year.  We are a one income family as I stay home with the kids.

So many financial goals! But I would really like to get rid of at least half of my credit card debt without adding to their balances. That’s just one….of many…

This is the first year ever that we have created a budget. We are using envelopes. We could really use this to help us even further. We have been wanting to go to one of his classes. Our goal is to save and stop living week to week. We are so sick of that. We are never going to have anything if we develop a plan.

I am just starting Dave Ramsey’s baby steps.. I had to file Chapter 13 bankruptcy last year and my goal is to pay that off early. It will not be this year, but hopefully doubling up on some of those payments.

One of our goals this year is to pay off the debt!!

Oops! Meant to say”if we don’t develop a plan”

Our biggest financial goal for 2012 is to pay off our Credit Cards!

my goal for 2012 is to make a huge dent in my debt.  Baby step one is complete, I have stopped using credit cards completely  and now I’m working the debt snowball… paid off my first bill yesterday.  Very excited, play to pay off at least 2 more debts in 2012

I created a budget to reduce our grocery, dining out, and random spending (going to get one thing coming away with 5 or 6) therefore blowing the budget.
We also would like to invest in a home since renting is crazy and wasteful. I could really use the help with something like this. I have no idea how you could be debt free after 9 years but I would love the ability to join in and be debt free too.

Our family just completed the FPU and we are very thankful for all we learned. My sister in law would be the one I would send these materials to if I win this give away. She wants to take the class but the entry fee is not within her means.

I definitely need your help!

My Husband and I would love to be able to pay off all bills, so we can bless others in financial need.

To continue saving for retirement, paying off credit cards and starting a savings account.

I have allergies, and there has been mold growing on our windows, so we got someone to come out and look. We have to get a french drain put in under our house, and it’s expensive, so our goal is to figure out how to pay for that without borrowing. Also, found out we are pregnant! Excited, but we have a high deductible. We need help!

Contribute more the retirement savings

To become DEBT FREE!

We have been trying to get out of debt for a while now. we are doing pretty good, but now need some outside help.

Pay off all my credit cards

My goal this year is to pay off all my credit card debt. My husband and I used his gi bill and credit to help fund our life while we were in college(we also had two kids to pay for).Now that we have both earned our degrees we really want to pay off that debt and have some financial freedom!

We’ve been following Dave’s plan for a year now and has made an incredible difference in our lives!  The goal for this year is to finish the credit cards and finish one of the cars off. 

I need to use more coupons

to save for a family to trip to Canada!

Be able to save for retirement while keeping our heads above water paying the bills.

Try to catch up on every thing so that we can be current on all of our bills. Pay our mortgage down and get rid of these school loans.

Pay off my credit cards!!!!!

Oh, where to start!  First, I plan to make a plan : ).  We are refinancing this month and will be saving $200 a month on our mortgage, and knocking off 6 years!  A portion of the extra money is going into savings to start an emergency fund, and a portion is is going to go straight to credit cards (that’s what Dave recommends, right?).  Our main goal is to be free of the revolving debt by the end of the year!

To be able to get out of debt.  My husbands company shut down which we were heavily invested in and we lost everything.  Had to file bankrupt and you know what goes along with that except we choose to reorganize and pay off our debtors which we think was the right thing to do so we do still have debt and have to learn how to pay everything off properly and learn how to live on a whole lot less.  Husband is also having a hard time finding a job.

I have taken the course before and it is how my husband and I were able to save to get married at 20 with a full years worth of living expenses in our savings. I would like to win this kit so that my mom can take the course. She has been struggling financially for a few years now and within the last month her debit card has been locked and is unable to buy food for my brother and sister. We would like to help her get a fresh start by having her take this course and help her to figure out the best ways to manage her money like we were able to.

I’d love to save to build a house in the country.

Pay off car loans.

Our goal is to have all student loans paid off this year and make a big dent on our house payments.

Our financial goal this year is to pay off our car (which is due to be paid off next Aug) so we can focus on paying down our mortgage.

Our 2012 goal is to make it possible for me to be a stay at home mom to our 2 children.

Would love to win this so I can show hubby WHY I am always saying NO to buying things.  LOL

One of my goals for this year is to find a system and get serious about saving money and getting rid of our debts.

My husband and I have agreed that we would study / attend one of Dave Ramseys seminars this year so that we could pay off our debt.  Winning this would bless our family so much!  thanks for the opportunity

I really need this, our church did the Dave Ramsey study but my husband and  I were not able to go.  This would really be nice to have.

We are going to attempt and putting a dent in our mortgage this year since we paid off our cars last year!

Get rid of credit card debt.

My 2012 goal is to start saving for old age. So i dont have to worry about anything in my years to come.

Our goal is to put some money into savings this year!!!

Our goal is to pay off our credit card debt and save enough money to buy a house.

My husband and I have talked about going for the cash only system, but this kit would help us know the best way to go about this – plus I need some motivation!

To pay off my credit cards

We want to live like no one else so that later, we can live like no one else!  :-)

Our goal for 2012 is to pay off our medical debt and pay off our vehicle!  It’s tough and we need all the help we can get!

My goal is to build a hefty savings account so we can do FUN things with our three boys and not feel guilty about it!  Would also like to save enough in the next couple of years to replace an aging vehicle without having to finance a hefty portion like we normally do!

My goal – have all credit cards paid off.  And/or some medical bills.

We have not take a FPU class, but we have read Dave’s books and started our debt snowball seriously about 4 months ago.  In that time we have been able to pay off about $10,000 in student loans, our goal for this year is to pay off the other $20,000 in student loans and at least half of our second mortgage which will be another $10,000.  So far we are doing great and it’s amazing how quickly we have been able to pay things off by staying on a budget and finding extra work to help increase the money that goes into our debt snowball.

Credit card debt – be gone!

2012 Goal: Pay off car/credit card so that by year end we can start paying off our mortgage. That HAS to be paid off so that we can afford health insurance when we retire! Hopefully that will happen before we are 65!

My financial goal for 2012 is to pay off all of my medical bills!

My husband and I have a goal to pay off car loans and personal loans, and build our savings account plus 6 months emergency fund.  Once we do that we want to start a family!

This is I want to save more for retirement.

Our financial goal is to pay off our car.  I would love to be debt free except our mortgage!

Wow, my goal for this year is to pay down a loan from my closed biz and to stop living paycheck to paycheck.

Our goal for 2012 will be to set aside 6 mos. of living expenses.

Our goal is to pay the last bit of credit card debt and begin saving our six month emergency fund.

to build my new marriage on sound financial principles!

Our family was on the plan but we fell off the wagon. I have his book but would love to attend financial peace university for free!

Pay off debt so that we can go into full-time Christian ministry sooner.

Pay off my student loan and credit card.  Also, tell my husband about them.  :-(

Our goal this year is to pay off all of our debt, and set money aside for our son for college, even though he is only 1. We want him to have something to look forward too.

My husband and I have been wanting to take one of Dave’s classes! We would love to pay off some medical bills then our car payments. After that we would love to pay our house off!

would love to cut our debt at least halved by years end

Looking for a way to get on a budget and stop living paycheck to paycheck.

Our goal is to pay off debt and save for our kids college so they do not have to take out numerous loans like we did. That way they can start out life ahead of the eight ball.

We are building a house and would love to finish debt free and work on my daughters school fund. Dave Ramsey is wonderful and would love to take his class!!!!

I want to pay off my hospital bills. :-(

We’ve been following Dave’s advice for about 5 months and I will have my student loan finally paid off at the end of the month! I’m super excited!!! Thanks Dave

To not only know WHAT to do, but to put it in practice in each transactiona nd financial decision I make.  That includes the vending machine to the drive-thru.  Having Dave in my car, reading at home- would be a nice daily reminder.  Thank you!

I’m planning to finish baby step 3 by the end of the year. Been following Dave for a year and would love to take the class!

I want to have $5000 in savings by the end of the year (the balance is currently $5 because the bank won’t let me get to it)!  Also to pay off some of the credit cards.

One of our goals is to pay off a credit card debt.

with two kids in college….I am always trying to find ways to put something in savings.

We need to save up a good chunk of money for a down payment by August this year and have no idea how to do it!!

Our goals are to pay off our car loan…then tackle our student loans, our two mortgages (we both owned prior to getting married)…save for retirement, our daughters college fund…ok so I know this will take longer than 2012 but we have to start somewhere…it’s just hard to know where to begin or if we are priorititzing correctly. I would love to win this kit for my family!

My goals for this year are to faithfully tithe to our church and to be a good steward of the money we have – making wise financial decisions!

My financial goal is to save $3000 into my emergency fund, already began on that, then to have back up money for atleast six month incase I lose my job or anything happens to where i cannot work. I want to be financial stable to support my daughter in school, pay all my current bills, and still have room to breathe. I need to get better at saving and find financial peace! 2012 I want to be a year of saving for me and one day maybe i can purchase my own home.

Our goal this year is to Go Green, paying cash for as much as possible and try to use the envelope system.

Our financial goals for this year are to be able to pay for my husbands college tuition next year without having to take out any loans or using any credit cards. Also, to pay off his car and to continue to save as much as we can in the meantime.

One of my financial goals this year is to begin saving.

Our goal for the year is to pay off all of our credit cards!

Our finicial goal to to have our car paid off and to increase our chilcren’s college fund!

Some of our goals include eliminating credit card dept and paying down our auto loan.

In 2012 I will learn to live as a one income family.  Scares me to death would love to win this.

My goal is to get an emergency fund started and pay off all my credit cards in 2012! Anita

Continue to pay off our student loans!

Put more away this year so I can retire young!

Since being unemployed, my financial goal of a single parent family is to pay down debt and become debt free.

Our goal is to have financial peace even though my husband may lose his in the next 2 months.

We are actually getting ready to start this class next weekend at our church. It would be great to win a FREE copy that we could donate back to the church since they were kind enough to scholarship 1/2 of it for US.  Our goal is to reduce our debt in order to give above and beyond what we ever thought possible and are very excited to get on a budget and relieve ourselves of the stress that this unnecessary debt has brought on. And also to start our children off on the right foot for their future by leading by example.

Pay down debt – car and student loan – and save more for emergencies!

One of my biggest goals is to pay down my mortgage so that I can drop PMI!!!!!! I also want to pay off my credit card debt. MP

Learn to live on a budget that I can stick to!

Bring my credit score up!

To cut down on spending

Our BIG goal for 2012 is to pay off all of our debt! Our last debt to finish paying is the car… YAY! Then we can begin to save, save, save!!!

to be able to pay cash to get HVAC installed in my unfinished basement (first step in making it into finished space) instead of going into debt to do it!

Pay off christmas credit card debt while it’s in the no interest time frame and start paying extra principal on my mortgage EVERY month.

would love to limit debt to mortgage only

One of my finincial goal this year is to save more money. I love to shop and never think about saving. So this year I will put some money away each month. 

Our goal is to sell some property and pay off our mountain of unsecured debt as well as keep our house from going into foreclosure. What great timing!  Our church will be starting the Financial Peace Seminar soon. Would love to get this and learn from Dave.

Get out of credit card debt!

put money into savings instead of spending as much as I earn

After always feeling behind financially, my husband and I figured out our annual income and I was shocked by what we discovered.  While it is a tight income, there was NO excuse for us to be in such debt.  For weeks that number haunted me and I was afraid that even after my husband graduates law school and we have a much higher income, we’d soon adjust our standard of living only to continue our legacy of debt.  After reading “Total Money Makeover” we are learning strategies to not only live within our means but MUCH less.  We’re working on our second week now and it’s hard but it will be so worth it once we meet our first goal of paying off our credit cards and car payment by this summer.  2012 is the start of us taking control of our money and health, and it feels good.  

To finish paying off my student loan!

We would love to pay off our student and car loans and start saving for a house…

I want to pay off our car!

We are actually just starting his program and hope to be debt free in a year!

My husband lost his leg two years ago and we have been struggling ever since. He can’t work and my income is the only income we have until disability is approved. Our goal is to catch up and they pay off all our debt. We are close to losing everything. This program wold sure help us achieve that goal. I think it is a great program. Several friends have been to these classes and we can see what it has done for them. Praying we get the chance to attend these classes too.

Idlove to be able to pay off debt nd my uncles medical bills this year. It would Venice to feel responsible again. Good luck to all

to pay off our debt and stop living pay day to pay day

To pay off my student loans.

As a newly married couple in college and out of state. Our biggest goal it to not have to much debt when we are finished.

Our family would like to give more to the Church and be out of debt.

We would LOVE to be debt free!!

My goal is to continue to pay down my credit cards and try to find a way to bringmore income into our home, so my husband who is 69 can retire. 

My goal for 2012 is to pay most of my credit cards off and hopefully be able to make extra payments to my car payment!

I would love to have at least one of my student loans paid off by the end of 2012!!

My husband and I fell off the debt free wagon a couple of years ago and want back on doing something we love and that will benefit others…

To pay off a majority of our debt, including a good way to figure out how to pay my medical bills from the past couple yrs. from my Fibromyalgia diagnosis.

Pay off credit cards and have a savings account

My goal is to figure out to handle and create finances. I am 61 yrs old and unemployed for almost 2 years and I am panicking. I need to find help and I would say that is also my goal.

We were just given the goal in our pre-marital counseling to read Dave Ramsey. This would be such a help!

I would love to win a free kit to the Financial Peace University! I was talking with a friend of mine last week who recommended this class. She and her husband took the FPU class last year and highly reccommended it! Our financial goal this year is to pay off our credit cards that we used to pay for a cross-country move to take a new job. We will be looking for a FPU course to begin soon.

Im a single mother of 2 and my goal of 2012 is to pay all my credit cards debt to be able to afford music class for my kids this will be a great help.

To payoff 25 – 50% of my mortgage

My goal for the year is to get the “debt snowball” rolling!

We love Dave Ramsey!  We have never gone through FPU but have read his books and listened to him.  We are debt free except for our home which we will pay off in less than 6 years.  I would love this giveaway for ourselves or for us to give as a gift to someone.  Thanks for the opportunity!

Love Dave Ramsey!!!

One of our financial goals for 2012 is to stop using the credit card!

My financial goals are to be debt free and pay off my student loans!

our goal is to follow and budget and pay cash for a new to me car!

My goal for 2012 for my family is to have just ENOUGH. Enough to pay our bills and be less stressed when it comes to bills! Thanks for this amazing chance. I hope whoever wins, it helps them have just enough!

With a 2 year old at home & another one on the way, our minds are defiantly on the future. Our goal is not only to set up college funds for our girls but to also set up an IRA for us.

start a college fund for our daughter and start contributing to my retirement fund.

Our goal is to pay off as much debt as possible by the end of 2012!

Our goal is to pay off all of our credit cards!!!

My goal is to pay off my student loan so I can start saving for my chidren’s education

I want to get out from under my crushing debt.

Hi Jenny!  We have been working on our obtaining financial peace since I started couponing this time last year.  I love to hear Dave Ramsey.  After my husband had back surgery in 2009, I have been trying to stick to budget to keep him from having to go back to work and yet both of us still be able to retire at a decent age!!

My goal for 2012 is to pay off as much debt as I can and hopefully able to save some money as well for my retirement, if that is ever going to happen.

To end credit card debt~  Snowballing since 5/2011   :)

Live off of one salary and allow me to stay at home.

I would like to stick to a budget, and pay off our credit cards.  It’s no fun always having too much month at the end of my money.  I would love to be able to go to a class of Dave Ramsey’s but have never had the extra money.  Thanks for the chance!

after hearing many positive stories on this study, we like like to learn how to apply this knowledge not only for ourselves but to better help our aging parents. we could then also share the information with our children in order that they may follow a more positive debt free  lifestyle.  

I have three student loans that I would just love to pay off. I would also like to get my 2 little noys some new clothes. These are the 2 biggest things that I would like to accomplish in 2012.

My goal is to pay off my credit cards and finally have financial peace!!

We have a few, get out of debt (pay off CC and car), and save, save, save! We really need to have a better emergency fund too.

My goal for 2012 is to pay off my CC and car.

My son has a major medical illness so we are constantly accruing medical bills faster than I can pay them. This year my goal is to have at least 50% of those medical bills paid by the end of 2012.
scottandtennille at hotmail dot com

we hope to build up an emergency fund and finish paying off our car

Saving money in our TSP account, as well as paying off all medical/dental/orthodontic bills!

Our financial goal for this year is to contribute to our retirement (which we have not been able to do for many years!) as we continue to pay our bills and tithe! (Not in that order :)

Our Family’s financial goal is to become secure enough to put our 4 kids through college without ruining our future retirement goals.

Pay off credit cards.

The goal for our family is to start trying to live below our mean in order to try to start saving money for our son’s future.

To finally finish paying off the credit debt that we incurred when my husband was laid off for two years and my medical bills from two hospital stays due to severe illness.  I can finally see the light at the end of the tunnel!

We’re both out of work, so we’re looking for work or income streams of any sort right now. (goal 1).  Also trying to tighten up our belts – no eating out or buying new these days.  I hope to change over to paying off debt again as soon as we’re working again. 

Our goal this year is to have no late fees for any bills and to follow Dave Ramsey’s advice to pay off our lowest debts. 

pay off credit card!!

I plan to save more.  I need to tuck away more each month and try to spend less.  I’m retired and my husband will retire in 5 years.

My husband and I haven’t always been responsible with our money…..we’re working on it….in the middle of a scary economy and job changes….this could be very helpful!

My grown children & my grand-daughter are back living at my home, one is a full time student & the other has been jobless for the last 9 months. I would like get out of debt so it is not such a struggle to keep everything going. Just want to get started this year but at 55, I think sometimes its rather late getting started.

Wow! What an awesome opportunity!!! My husband is a contractor and we have had a rough couple of years! This year, I had my second child and decided it was in our best interest for me to quit my job and stay with my children! The best decision I have ever made! However, finances have become extremely tight … Extremely!!! We are having a hard time trying to figure out how to balance our finances and pay things off… I would give anything to be out of set! However, can’t afford Dave’s books… As much as we would love to have them! This would be a priceless gift for me and my family! In 2012, it’s our goal to pay off as much debt s we can while trying to put some aside for our future… No easy task! But I think we can pull it off!

One of my financial goals for 2012 is to learn how to budget my money better so that I’m not living pay check to pay check. I’ve tried different ways to budget on my own but they were not successful. I need help!!!! As a single parent, financial freedom would definitely lighten my load!!!!

My financial goals this year are to pay off credit card debt, plus I am getting married and am wanting to start a budget.  I’ve heard so many wonderful things about this system and would love to use it with my new family!

My hubby and I have committed to putting extra money on our house payment each month…oh, and also saving tons of money couponing ;)

Save over 50% on grocery bills

I am sick and tired of worrying in the middle of the night of what bill to pay next and how much should I put on this bill or that bill!! This is the year that I will make a difference. I lsot my job last spring after teaching for 14 years and also my health is not great. I have been diabetic for 30 years with amny other issues. I NEED Ramsy’s materials because I am starting a class at church that will tech me DAVE RAMSEY! Please please chose me!!!!!! This is my year!! Thanks for the opportunity to win this!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Our goal is to travel to Financial Peace Plaza and yell , “We’re debt free!” with our kids! We are FPU graduates as are our 10 and 13 year olds! We would use this to pay it forward to someone who needs FPU!!!

Our goal is to save money by eating more at home than at restaurants.

We want to pay off student loan debt and get out of a car payment.

To pay off credit card and car!

We are living on one paycheck now and I want to learn how to make it go farther and actually feel like we are getting ahead instead of behind.

Working on getting out of debt !  Also helping my husband find a job as he was recently laid off.  We are certainly working on making one income stretch! 

My goal is to cut back on the grocery bills and eat the surplus we have stashed in the freezer and fruit cellar.

I want to pay off our credit card!

We’d like to pay off our credit card debt and actually save for an emergency fund

We want to finish paying off our credit cards and quit using them.  Also praying that the Lord helps us sell our home in another state so that we can buy one in our present location

This year I am re-positioning my finances to be more self sufficient and live a less material yet more satisfying lifestyle.

Our goal for this year is to get out of credit card debt.  c

To use the money I am saving from coupons to payoff my debt……

My goal in 2012 is to pay off our van!

I would like to pay off at least half of my student loans and finish paying off credit cards!!

My goal is to half my home equity loan.

I would like to be able to pay my bills ON TIME and PUT money in a savings account for my Son and I.  Being a single mom dealing with a dead beat X and fighting that battle, I pray for the day I can successfully provide for my Son and I without wondering how I am going to pay the bills and keep a roof over the two of us.

Our goal is to finish paying off our debt, and to still be able to give to others!

Financial goal would be to pay more on debt and put more in retirement.

getting my IRA account on track

Our goal is to build up an emergency fund as ours was wiped out through unemployment. We also will pay down our credit card debt.

Pay off DEBT!

I feel like I am slipping underwater and I don’t want to lose my good credit rating. I’m at a crossroad on which direction to take to stop paying credit cards or make a new plan. I’m on the edge of my budget w/not much room to work with.

To increase our emergency fund.

To begin saving each month!

Our goal is to get rid of credit card debit, start a college fund for our boys, & start a fund for building a house… with God’s help!

My financial goal for 2012 is to diligently work toward lowering my debt, even if it means getting that second job.

My financial goal for the year is to start living within our means…which means me working part-time.  We already live very frugally, but hubby’s salary is lower due to the recession.

My fiance and I have set financial goals to pay for our wedding and to pay our credit cards and his car off this year.  Since we are starting a new life together and do it with financial responsibility we could really benefit from doing Dave Ramsey’s course.  Thank you. 

My goal is to simply find a starting point to create a budget we can live with, and still be able to save 20% of all income for retirement (in 15 years! Gulp!)

Like a lot of people, my credit card debt with high interest…I would love to use that money elsewhere. Heard about him and would really like to read his advises and use it to better my finance.

My is to become current with my bills. Many of my bills are past due.

Establish a reasonable budget to accomplish goals, savings, and college fund for two kids. 

We would pay off my husband’s student loans and pay down our mortgage so we could finally move and not be an hour away from my husband’s job and the kids’ school!  Also we’d save money so we could maybe take a vacation.  Haven’t had one in about 3 years! :)

My Financial goal for 2012 is to clean up my credit report and start a college saving acct for my son.

My financial goal for 2012 is to track more closely the money we spend to try and eliminate “unneccessary spending”.  I have already realized that by doing this, I tend to buy less (realizing that I don’t really need everything I may want) The only debt my husband and I currently have is a car payment and mortgage. Our goal is to save that extra spending money and put towards these two items to get them paid off sooner.

I would love to pay off some medical bills

My financial goal for this year is to increase my emergency fund significantly while paying for 3 kids in college without any student loans!!

This year we plan to pay off the new windows we bought for the house and contiue making extra payments on our school loan debt.

I would like to save for our retirement.

My boyfriend of 4 years and I are planning on getting married soon so I would like to be able to save for our future (house, kids, new car, the works) as well as being able to pay off the debt we have now so that we can have a good place to begin in our marriage.  We’re both public servants, I’m a Child Protective Services Investigator and he’s a police officer so we aren’t making a fortune here, but we do want the best lives we can have together and for when we start having kids.  Any help that we could get to achieve these goals would be amazing!

We’ve been following the Dave Ramsey advice since getting married 2.5 years ago.  We have successfully paid off most of our small debts and are now focusing on our mortgage.  This year, my financial goal is to figure out how to save more while paying down my mortgage faster than my the 28.5 years I have ahead of me!

Help my parents retire.

Our finacial goal for this year is to pay off debt that i have accumalated while attending school. We aslo want to start  teaching  our children how to be finacially independent so that when they are our age, hopefully they will finacially secure.

Right now we are working on his plan…almost got the $1,000 emergency fund done. Then we are saving up for a new sofa/loveseat set. We just bought a farm, so other than that debt free! I would love, love, love to win this!

Paying off credit card debt is #1 for me.

We are throwing every bit of extra money we can find at our credit card in hopes to be debt free by the end of the year :)

I want to pay for some renovations to my house in cash.  I also want to pay for Christmas in cash this year.  We always get it all paid for by the end of Jan.  I would like it to be done before the end of December this year.

We are attending a Dave Ramsey Simulcast in March but hopefully before then we can be on a budget that works for us! The Financial Peace kit would be icing on the cake!!!

I reviewed my credit report because my credit score is so low.  To my surprise, I found out that outside of my student loans & a mortgage I’m still trying to get my ex-husband to refinance, my remaining debt was a little more than $6k.  With my student loans and the mortgage being current, it’s these very old debts that are weighing down my score.  My goal for this year to eliminate those debts totally, improve my credit score & put myself in a better situation to do things like starting a small business. Looking forward to it! 

My husband and I have been married for a year and half and we are determined to be good stewards of our money. We are both young teachers trying to do what is right with our money. We save, I coupon, and we try to make daily smart decisions but still have $70,000 in student loan debt. We pay over $1000 a month toward the loans to pay them off quick so we can feel comfortable to buy a house. We have no credit card debt and no car payments but we need Dave’s encouragement and strategies to begin our live together and have financial peace. Thank you for considering us for this…what a great giveaway!

My husband and I are planning to pay off debt and add a lot to our retirement starting this year.  It is very exctitng to see this in our future!

My greatest financial goal for this year is to save a substantial amount to buy a modest house.  My auto loan will be paid off by next month (yay!) and I would like to redirect the amount I was paying on the loan to my savings account. 

One of our financial goals for 2012, is to have an income.

My goal is to pay off a bill completely this year and start a untouchable savings.

Ou financial goals for 2012 is to better manage our money so that we can send extra in on our credit card debt! We are trying to get to the point where I can quit my part-time job, quit paying a babysitter, and keep me where I’m needed most..home! We really need a kick in the butt to successfully manage our money so we can direct it to paying things off!

My goal is to pay off all my kids medical bills as we lost medical insurance on them when their dad lost his job. Now we have over $3000 in medical bill for them along with trying to play “catch up” from where he lost his job…..This class would really help us get back on our feet!!

We have 4 kids and need to get a budget together so we can stay on top of our behind bills and be able to think for the future rather than paycheck to paycheck

My husband finally got a job, praises to God after 3 years and we will be working to pay off our debt that came with the job loss.

2012 is going to be the best financial year of our lives thus far! We are going to get out of debt asap. :)

My husband’s small business fell apart with the downturn of the economy last year, and we are now living paycheck to paycheck along with everyone else.  We currently coupon and save money wherever we can, but we would be greatful for the opportunity to take a free class!  We desperately want to get out from under the business debt along with credit card debt, but our biggest goal for 2012 is to finally start a college fund for both of our small children. 

Pay off my husbands student loan!!! We love Dave Ramsey

I’ve been a Dave Ramsey fan for a few years now, and this year I would like to finish paying off my small debt so that I can throw everything at my student loan!

My husband’s job has dried up in the last few months and we can’t meet our mortgage this month.  I would love to learn from Dave how we can save money once we have any to save.

Our goal is to eat out less and save more money!

Pay off credit cards!!!

pay off credit cards in full

My goal is to pay off our credit card and start investing money for the kids college.

create savings for retirement

1.  Start saving for college for 4 kids
2.  Pay off my credit card debt
3.  Pay off one of our car loans

We just started reading Total Money Makeover and would LOVE the chance to attend Financial Peace University!!
1. Stick to our budget
2. Save $1000 for Emergency Fund
3. Start paying off debt

1. Get Financially organize
2. pay of my house
3.start saving money for retirement.