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I’m excited to bring you guys a big discount and an awesome giveaway.
Dave Ramsey has helped millions of people get out of debt and take control of their finances. The biggest way to tackle your finances is with his Financial Peace University. On average families that have gone through the program, paid off $5,300 in debt and saved $2,700 in the first 90 days!
We have been a Dave Ramsey family since day one of our marriage thanks to sweet friends that gave us a number of his books as wedding presents. Now 9 years later I’m excited to say that hopefully this year we will make the last payment on our mortgage and then yell “I’m debt free” at the top of our lungs.
If you have been wanting to learn more about your finances, Dave Ramsey is offering Southern Savers readers a free book with orders of $20 or more. Use the code freemorebook to receive Dave’s book, More Than Enough, free with any $20 purchase. In this book, Dave Ramsey gives some of the essential steps to creating prosperity, and presents the 10 keys necessary to creating a financial plan that fits your income and creates wealth. This offer ends February 15th.
The Giveaway:
Dave Ramsey is giving away a Financial Peace University Kit to 2 Southern Savers readers! This means you could take a class in your local area for free!
To Enter:
Leave a comment below telling me one of your financial goals for 2012.
Winners will be chosen and posted to our Giveaway Winners Page 1/23/12.
Our goal for 2012 is to actually save some money. Enough with the spending, more saving!
I’d like to save enough money to pay for school when I graduate next spring.
One of our goals for 2012 is to start saving for our sons’ college educations.
to become debt free.
I plan to have 2 of my 3 credit cards and all remaining student loans completely paid off!! I would love to have this kit to help me with my goals!!!!
Payoff my student loans!
To be able to purchase a new car.
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.
Our goal this year is to get the couple of CC paid off that we owe on.
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 become more gazelle intense about paying off our mortgage
to save money to help my family more.
I want to pay of my credit card and start paying down my student loans!
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.
To not use all of the allotted grocery money, and use the left over for a treat – hopefully a BIG treat for the family!
Save enough money to buy a piece of land for our next home outright, while increasing missions offerings per month by $10.
pay off a couple of credit cards and move steadily towards being debt free
Make $2000 a month in my business.
We are a household where my husband works, I am a stay at home to a 3 year old. We don’t have credit card debt, but we have a air conditioning loan with the local power co, a loan for a lot, and a construction loan we added on to the house…I want to pay it all off by 2013! I am learning to just say no to Stuff!
Our goal is to pay off our credit card this year to start saving for a down payment for a new house!
My goal for the year is to have absolutely no credit card debt by the end of the year.
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.
Payoff our truck and van so we can get our credit cards paid off.
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!
Put as much money as possible in the IRA and HSA!!!
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.
My goal is to get my budget back on track now that I am finished paying 2 mortgages.
We plan to save up for a new-used car.
To pay off my student loans, get our family out of debt so we can afford insurance, to have a savings account for emergencys, & to be able to buy a house that our family can actually ‘fit’ in.. we are so cramped for space we feel like sardines!!! At this point in time I dont ever see this happening.
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 :)
We are paying off our final car loan and student loan!
Having an emergency fund and than paying off our two credit cards
My goal for 2012 would be to be able to cut up my Black Card Visa. For some reason I keep saying to myself “what if”.
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..
To finally pay off my wedding debt from 2010.
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!
I’d like to max out my IRA contribution this year & pay off my laptop that I just purchased today from Best Buy (0% APR for 18 months).
to buy a house this year
My husband has been working two full time jobs as a firefighter the last two years so that I can finish school and we can pay off our debt. We started Dave Ramsey’s program in August and have paid off several bills so far. Our goal for 2012 is to have all of our bills paid off except the biggest one which we will tackle last. My husband & I would be thrilled to win this kit!!
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!
Our goal is to pay off ALL of our school loans, credit cards and BUY OUR FIRST HOME!
Hopefully we will pay off Sallie Mae, one credit card, and not accrue any more debt in 2012!
Save up a nest egg for a new vehicle, so that we do not have to take out a lone if one of ours finally breaks down.
I would like ot cut all my bills in 1/2 then add to savings. :)
My goal for the year is to pay off a car and buy a new house!
We want to set some goals and pay off some debt and not get into any more debt!
pay off my credit card debt in the next 90 days then work on paying off my sons student loans
We want to build a sizable savings account by living below our means.
To not spend money frivolously, but instead spend wiser and start a budget
Pay off my last student loan!!
Budget and save!
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.
We have a townhouse that we have not been able to sell, and our main goal is to pay the balance down on that as much as possible in the coming year.
My goal is pay off at least 2 debts and raise credit score by 20pts this year.
Because I am self employed, I find it very hard to ‘pay myself first’ i.e.save money. One of the reasons I went into business for myself was just this. I also use my Discover card like cash. This causes me not to know what I am spending money on. SAVE ME!!!
We are wanting to focus more on giving than just gathering more ‘stuff’!
I want to increase savings and decrease debt
We are going to pay off our 2nd mortgage in 2012.
stick to my budget better, eat out less
My goal is to save $1000,pay off 2 credit cards totalling about $2000, and stick to my budget each month.
My goal for 2012 is to pay my bills on time. I have 2 loans that hope to pay off this year. I am the only one that works. The way this economy is it’s hard for my husband to keep a job. Any help learning to budget and get out of debt would greatly be appreciated.
I’d like to build my emergency fund back up.
Our goals for our family is to pay $100 extra each month on our mortgage, max out our ROTH IRA contributions(never have achieved that before) and hit our emergency savings mark. I dont think i have these in the right order but I bet Mr. Ramsey can help me figure that part out. Thanks!
Save 15% of my income
Our main goal is to have an emergency fund in place as soon as possible, 2nd is to start some type of fund for our daughters college, she starts Kindergarten this year, 3rd also get a down payment on a home. My parents will help us get one we just have to get downpayment and of course be able to pay loan. WE WILL DO THIS!!!!
Be on track with my mortgage and pay all credit card debts! By God’s grace…
Our goal is to be debt free (other than the house).
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.
We are wanting to lower our financial obligations and try to live within our means!! Pay off credit card/medical bill debt!!
To save enough for an extra graduate course this year.
Pay off student loans!
to buy a reasonable used car with CASH, fasting from unnecessary shopping for the January Daniel fast.
I will pay off my student loans this year!
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 am tired for struggling in make ends meet and spending money without a plan. I want ti pay off my $48,000 of debt. I want to bring in 2013 debt free and live my life free of the stesses of money. Please help my family!
I want to yell “I’M DEBT FREE” on his show……
Be able to stay home with my kiddos
Clearly I cannot type well on my phone. Ugh! Smartphones are stupid.
To get rid of credit card debt (it’s actually doable this year!)
I want to pay off out last credit card so we can start paying off my student loans!
We’re hoping to pay off our car!
Continue to aggressively attack our only debt…our mortgage.
I would like to give the knowledge to my daughter so that she and her son can move out of our house. She needs to learn how to budget correctly since we are almost to the point of taking away her checkbook and giving her an allowance to live on.
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!!!!
To be able to start an emergency savings account.
Pay off all of my surgery bills & be completely debt free!!
our goals are to get everything but our car and house paid in the next month and then start paying extra on the car and put a alot more into savings and i’m so excited to do so!!!
To pay off some of our bills before my husband retires from the Air Force.
Would like to pay off bills in order to save more for my son’s college fund! :)
We would like to pay off our last student loan and pay an additional payment on our house payment.
start building a saving account
paying off a student loan
We are working on living on one income and saving for retirement.
Our goal is to continue to build up our Emergency Fund in our savings acct.
I would like to pay off my car payment
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
Im hoping to pay off my credit cards Ive had maxed out for 3 years!
i would pay off my student loans and car payment!! :)
To pay off remaining credit card debt along with recently inquired emergent medical bills, all while trying to figure out how to stick to the budget with ever increasing food prices that are destroying each plan we make.
to pare down our expenses to so we can tithe more and pay more on debt to be debt free in 5 years
My financial goal for 2012 is to have 6 months of an emergency fund set aside.
Our financial goals for 2012 are set a realistic, tight budget & stick to it so that we can pay down our unsecured debt.
Pay off Credit card and establish an emergency savings account…then start saving for kids college
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.
1. Pay cash for vacay, already started saving.
2. After vacay, continue putting weekly money aside for Christmas.
3. Raise amount that we tithe by the end of the year by 2%.
Making our new budget work
attack credit card debt, so we can start putting money towards something fun like a Disney trip for my family of five!
My financial goal this year is to pay off 2 credit cards and not use any credit cards this year.
Build up our savings and emergency fund.
Pay off our car and build our savings
I would like to pay off credit card debt and student loan debt this year….then start tackling the mortgage!
We want to pay off our credit cards and save more money.
wanna get out from under a 2nd mortgage on a foreclosure.
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
To build the emergency fund, and pay off the smallest of our credit card debt.
Merging mine and my new husbands finances together ad saving for our first home!
Our goal is to pay off credit card debt and try to buy a house. I would like to start putting money back for our kids college fund as well.
Would love to significantly lower our debt and add to savings.
To be debt free.. even after paying cash for my may wedding. I am very familiar with dave ramsey and 100% believe that if you follow his guidance through his program, you can be successful in life.
Our goal for 2012 is to have all debts paid except the mortgage. My husband says “This IS the year!”
My boyfriend and I are planning on getting married and one of my cousins told me before we tie the knot we need to read a Dave Ramsey book. I would like to go into a marriage with finacial security and to never get into debt. For 2012 I would like to become more financially savy so in the future, we can raise a family without too many money issues.
I would love to get the medical bills paid off!
Pay off debt, and put money away so we can move into a house
We want to pay off our mortgage quicker
We would like to do better at saving money as we will soon experience sending a child to college.
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 pay off our credit card debt and work down our student loans!
We want to start saving (a little late ok a lot late) more money for our Daughters college fund.
We are starting a 529 savings plan for the kids and increasing savings for retirement.
To save up enough money to start building a house!
I hope to pay off debt and prepare for a possible lay off.
Pay off debt!
I want to build up our savings and start looking to buying a house.
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!
We’re trying to pay off a credit card and car loan. Would love to be debt free except for the house. Hopefully within 3 years we can make that happen.
Like many, I’d like to pay off credit cards. I also have school loans.
Our goal is to pay off our last credit card then work doubly hard on getting my van paid off. so hopeul that 2012 will be our debt-free (except the house) year!
Many goals for our family in 2012… included are budgeting and sticking to it!
Pay off all credit cards.
We plan to demolish our debt and restore our savings after 10 mos of unemployement
our goals for 2012 are paying off both vehicles and both credit cards and never buying anything on credit again. (w/ the exception of a house)
Pay off credit cards so we can start working on our saving account
Our goal is to pay off the car. One is paid off, now working on the other!
This year I would love to get several of my credit card bills paid off!
My husband and I are on a plan to build up our savings in order to survive for a 6 months off of that money. The first month has been so ridiculously easy, that it makes me wonder why we haven’t been doing it for years! Learning to be a good stewart of your money is such a rewarding feeling.
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.
pay off credit cards
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!
We want to save more money than we did in 2011 and get “small debt” free by the summer
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.
I would like to become a home-owner!
We would like to stop spending and start saving for our future.
Cut out needless spending and start saving. We will get our finances back on track this year. I want so much to be a good example for my daughters where money is concerned so they won’t make the same mistakes I have made.
Make a budget and go to the cash envelope system!
We are working to pay off our credit cards.
My goal is to get control of my money ~ have money for a vacation, and pay all my bills on time!
My first financial goal for 2012 is to use only cash for purchases, envelope method style!! =) I hope I wiiiiin!!!! Thanks!!!
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.
create a budget and sticking to it!
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!!
Pay down at least anouth 10K in principle on student loans
We are working on building an emergency fund and saving for a downpayment on a new house.
Pay off medical bills and actually start rebuilding our savings and retirement
Reduce my debt as much as possible this year! For sure!!
We would like to pay off our credit cards and build a savings, right now we have nothing to fall back on and that worries me everyday, I know what I need to do I just sometimes never know where to start!!
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!
We are planning to start paying off my husband’s student loans from seminary. ugh.
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.
To finish paying off medical bills and establish a savings for my pets and for any emergencies. I also want to be able to help others more than I have been.
We are planning on having all credit cards paid off and a nest egg built!
Our goal is to pay off credit card debt and save the money we have been spending on it to go on vacations.
To cut expenses and debt so that we can continue to live on one income.
I want to pay off our 3 credit cards and to have a savings
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 pay off my bills and help my family get back on their feet (financially).
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.
Our fiancial goal for 2012 is to start putting money back into our retirement. What little we didn’t lose in 2008 we had to pull out over the last 3 years in an effort to keep our heads above water after we ended up on one income.
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”.
Increase our income while keeping our expenses down
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 !
we are self employed and have no retirement. We are in our 50’s. This year it’s my goal to get some debt taken care of so we can work on retirement. It may be too late, but we’re going to give it a shot!
Build an emergency fund.
I would like to pay off my credit cards and start a saving.
pay off education loans from grad school!
I wish someone would have given us this as a wedding present. We are working on getting our emergency fund set up.
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
My goal is to pay off my existing debt and save $30,000 before I graduate from college in 2 years so I can enter law school debt free and pay for it out of pocket so as to avoid any future debt from accumulating. I know I can do this – I just need to get a plan established.
Pay off some debt and start saving more!!!!!
Get current on my house, student loan, and credit cards!
My Goal is to pay off credit card debt and car loans.
our goal is to pay off one car and some extra on student loans and to get a new house and not necessarily feel the tightness of the new higher payment.
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.
Pay off some credit card debt, and save $1000.
Rebuild our savings and pay off student loans
Build back up our emergency fund!
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.
pay off student loans and medical bills from my son,credit cards and house
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.
my fiance and I both have a mountain of debt that we need to pay off before we even think about getting married
Pay off credit card debt.
My biggest financial goals for 2012 are to get caught up on paying bills and to get out of debt. I have heard a little bit about Dave Ramsey and would love to try out his system.
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!!!
We plan to pay off our car and be debt free except for the house this year!
A fiancial goal of mine is to pay off at least two of my credit cards and help my mom!
To start digging myself out of credit card debt
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.
Our goal is to pay off credit card debt that has been incurred due to our daughters’ (twins) medical expenses for Asperger’s, vision issues, and foot problems. It has been an 11 1/2 year struggle We would like to build an emergency fund as well.
Pay off hospital bill and start saving!
Building an emergency fund and sticking to a budget
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!!!
pay off my car and save even more at the grocery store.
One of my goals would be to pay off some credit cards! (those things kill you) :)
We having been following Dave and working hard to get out of debt, but we have never been able to take Financial Peace. We are planning to attend this Feb and it would be awesome to have the kit and save us the money. We only have the student loan left and we are working hard to reach that goal this year!
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!
We want to pay off some high interest debt and build up some savings
To start following a written budget and get this debt snowball rolling.
to do better at budgeting and get our mortgage closer to being payed off!!
I would like to pay off my credit card!
To save college money for our 4 kids, have a medical savings for our type 1 diabetic daughter, become financially independent enough for my husband and I to start a new business and be able to have good medical coverage.
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.
My goal is to have at least 1 of the 3 credit cards I have paid off so that I can then apply that monthly payment to another card. I want to be debt free in a opulent of years.
Our goal is to pay off our van. That would be a wonderful relief!
One of my financial goals is to teach my children (10, 8, 5) about saving money and the importance of budgeting. This is important now as I watch my 20 year old struggle with college, student loans, etc with no savings and living pay check to pay check.
Pay off small debts (about 1500) and buy a car cash
Pa
Stop living pay check to pay check!
Our goal is to significantly reduce credit card debt.
Our goal this year is to save our 3-6 month emergency fund and start putting back 15% for retirement.
To get all my debt paid off… including student loans to be able to support my daughter and myself financially as a single parent! :)
Pay off credit card debt. To stay within our budget despite really awesome coupon deals.
Our goal for 2012 is to finish paying off the dreaded student loans and become debt free by the time we’re 30! We’ve been following Dave’s plan for several year, but have never been able to take a class. We are huge fans!
We plan to pay off our car and work toward a down payment on a house before my student loans come due.
To stay on budget and build a savings and emergency fund.
To pay off our credit card (again!) and start putting more into savings.
My goal, this year, is to make arrangements, either through getting a job, or cutting expenses more, for keeping our bills paid plus having savings each month.
Pay off all credit card debit and live off of my husband’s income and bank mine.
To pay off student loans and save more!!!
We need a better plan for blending house renovation costs with our mortage pay down focus.
Our goal is to MAKE A BUDGET and STICK TO IT in 2012. We are also planning on taking the FPU at our church in February…this would be a great way to attend for free! <3
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!!
To save enough on groceries to cover gas even if it goes up to $5 a gallon!
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.
Pay off our house, and credit cards!
Continue budgeting my financial aid to make it through these next 18 months of school, while continuing to help take care of my family.
Building a savings and retirement fund
To get out of debt except for our house. Almost there!
My goal is to pay off our credit card debt and set up an emergency fund in case either my wife or I lose a job.
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
Saving enough to be self reliant for 3-6 months. Start investing again.
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.
Our goal is to pay off my husband’s hospital bills and put money in savings that we don’t have to use to pay bills.
I want to be debt free! On our way but sure could use the extra help!
To buy a house!!!
To start to pay off things & workI joyfully instead of owing others :)
To be free of consumer debt at the end of 2012!!
Recoup financially after being out of work for 2 1/2 years due to cancer.
My goals this year is to finish paying off the debt we have as well as begin to save for the future. Setting aside money for the things that come up (like a new washer, etc).
My goal is to take my lunch to work everyday and save money
Our goals is to beef up our emergency fund and pay down student loans.
My goal is to have our family of five to truly live off one income without the use of credit cards.
We would like to be able to purchase a new-to-us vehicle that will fit all four of the kids (including carseats!) and build up our emergency fund and savings. Thank you!
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.
My husband and I were just married in October. Our goal is to raise a family with his salary as a police officer, so I can be a full time, stay at home mom (which can be challenging on a salary such as that, but we are both determined). Our immediate goals are to pay off the vehicle, save an emergency fund, and pay our house off in 10-15 years (instead of the 30 years most people take). Being in our 20’s, we want to have a fantastic financial beginning and avoid debt.
We would like to pay off our credit card debt and start on our student loans.
Our goal for 2012 is to simplify and get rid of “stuff” we don’t need and pay off our line of credit, sell our old house and not be bothered with renters finish what we need to do at our current property. We also need to save for our future needs as we saw the problems we had getting my mom settled into a nursing home as she had absolutely no plans for living into her 90’s. We don’t want our kids to have the isues and problems that we’ve run into with this.
To pay off some debt!
I want to be absolutely debt free. That means, paying off a credit card, student loan, and a car.
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.
We want to have a funding strategy for a special needs trust in place~
To get our account where we can save and not have to take money out of savings every month!
To pay off all of our debt (excluding mortgage) in the next 5 years!
To build up our emergency fund!
Eliminate debt that is causing me extreme stress and allow me to live a happy, stress free life.
Pay off all credit card debt for the first time ever
To pay down credit cards and become one with my husband in the area of finances.
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.
Getting out of debt and building an emergency fund!
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.
We need to get out of debt this year. I have already started paying off bills and trying to climb back up on top of things
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.
Our goal is to become completly debt free. No credit card,car, or house payments. This is our ultimate goal. In 2012 we will strive constantly towards this goal.
Trust in God more financially, tithe and stop living pay check to pay check!
To get out of debt once and for all and then start paying down mortgage.
Pay off 1 of 3 student loans for my husband and myself and be that much closer to being debt free!!
save more and build up a down payment on a house
To get rid of credit card debt!
My number one goal for 2012 is to save more and spend less!
To complete my 3 month emergency finance fund, and to start saving for our next vehicle so we can purchase with cash.
I am a stay-at-home mom. We live off of my husbands salary alone and would really like to own our own home someday. So our financial goal for this year would be to be able to save for a substantial down payment.
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.
My husband and I are in our early 30’s and would love to be able to get past our financial struggles. Our ultimate goal for 2012 is to:
1. Pay off all charge card debts & build an emergency fund
2. Work towards becoming 1st-time homeowners vs. renters
3. Start a family of our own to leave a legacy of financial freedom
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.
I am a big DR fan and started working on my financial goal in 2011 by taking on extra jobs for extra money. My goal is to get out of debt and begin to build the life I want for myself. Couponing and extra work is helping, but I would love to participate the program to help push me forward.
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…..
We had to repair our house a year and a half ago. It caused us to go into debt by 23,000. It feels like that loan is going nowhere due to my husband being out of a job. I’m only able to make the minimum payment each month. I know Dave could help us out and see where every dollar is going. I just need his guidance. Thanks for offering this giveaway. I really need it!
To be able to save/give more and spend less!!!
my goal is to get down to owing only 50K on our home
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.
Our financial goals for this year are to finish paying off medical bill debt from the birth of my son, build up our emergency fund, and then pay cash for new living room furniture. Our couch is 30 years old, and really needs to go!
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.
Pay off the credit card and learn not to use it anymore! Learn to pay for things with cash. I hope I am a winner. I literally just called a local church last week to see about a Dave Ramsey class!
My goal is to continue to pay down debt and get closer to having just a mortgage payment as my only debt
increase retirement savings (added last year but took big loss in value…)
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.
My wife and I would like to get our loans paid off before our first child arrives in May. We also would like to be able to give more than we have been, but we are limited financially.
To be completely debt-free by the end of 2012!
To start putting money into a savings account, and start an emergency fund. And to pay off my husbands huge shed he bought last year!
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.
I would like for us to pay way down our student loan debt (combined total of $50k) & buy a house!!! I love dave ramsey, but I have yet to go through FPU or get any of the workbooks, books, etc. :)
Be debt free by the end of our first year of marriage by paying off $30,000 in student and car loans.
I want to get rid of all credit card debt. We have tons of medical bills we can’t pay because of credit cards!
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!
I would love to eliminate our debt and learn how to manage money so we can purchase things we like and not have to place on a cc. And I would love my husband to attend this and see that managing and saving our money is the smart thing for us and our 2 year old!!!
To create and stick with a zero balance budget.
My goal is to pay off our two credit cards and start saving for my 11-month-old son’s college fund.
Pay down debt! Save more, spend less!
Our financial goal is to pay off 2 credit cards! I can’t wait to be debt free! Thanks, Jen
Pay off all credit cards and open a roth IRA
Pay off student loans and credit cards!
I would like to payoff all debt.
After struggling to overcome some serious personal issues in our household which left us in financial ruin, our goal this year is to get our finances back on track now that our lives (with God’s continual guidance) are looking up. We are excited to see what He has in store for us, and this would be the perfect start to our new life of financial freedom. With baby #2 due is less than a month, we would love the opportunity to win this set from Dave Ramsey! We have heard nothing but wonderful things about him! Thank you so much for this opportunity.
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 financial goals for 2012 is to stop impulse buying so we can get out of debt. We have a credit card that has been a problem for several years now and I’m hoping this year to finally pay it off so we can be done with it.
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 get out of debt with credit cards and medical bills. My husband had cancer and continues to have tests and mounting medical bills.
We want to build some savings for our rainy days/repairs!
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 have 2 children 13 & 15 and I am really starting to panic about college. I stayed home for years with them thinking that’s what was important then I woke up one day and thought YIKES! what will we do for college!
I would like to be able to save some money so I didn’t have to borrow all the time.
Our goal is to eliminate our debt, master a budget and get on with living our lives instead of worrying about who we owe how much $$ to. :)
Goals…to spend less and save more!
Goals…to spend less and save more!
I would like to pay off our outstanding bills and put more away in our emergency fund!
We’ve gone from a two income two person family to a one income three person family. Trying to budget, save, repair, etc is an uphill battle that
we fight constantly.
Our two biggest goals for 2012 are 1) getting at least $1,000 in savings and 2) making a budget we can use and STICKING with it!!
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.
Our financial goals are to payoff the car, a student loan and a mortgage!!!!
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!
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!
We’re putting away “car payments” in savings now, anticipating a vehicle purchase in 2013. With luck we will be able to pay cash for our next car!
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 would love to eliminate all of our credit card debt and start college savings for our children.
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!
Our goal is to pay off three credit cards and have our emergency fund established.
One of my goals is to become debt free this year!
Build up Savings.
Pay off medical bills!
My goal is to save up to be able to take my kids to Disney World.
Pay off student loans. Those things stink.
I would like to commit to saving more from each paycheck to build my emergency fund.
I would like to be able to save for retirement and pay off morgage early.
Right now just hoping we can survive financially is my goal for 2012.
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.
My first goal of 2012 is to pay off a credit card. This will happen next month! I have been paying it down for 3 years. I will then roll that money into another credit card payment and start paying the next one down.
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
We plan to rebuild savings.
Pay off out credit card
I don’t know much about Dave Ramsey but I have seen you post things about him in the past. We are really interested in being debt free. We do pretty good at putting money in savings but it still seems impossible to pay off a mortgage. We would really benefit from learning more about how debt free is really possible.
Wanna get started on getting rid of student loans.
We just paid off our car and would love to start putting money in a college savings account for our 9 month old son. We have one credit card that is also close to being paid off which will happen this year. We have been only paying cash for needs and wants for the last three years and will continue to do so!!
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!!!
our goal is to pay off the $6,000 in dental costs our family incurred last year!
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!!
I’m a single mom (well, currently going through a divorce) and my hopes for this year are to finalize my ugly divorce and get the lawyer paid (No coupons for that! LOL!), get the one credit card that I have paid off, and to get a nice place for my kids and myself instead of living in a run down rental. Going from being a stay-at-home Army wife to a single working mom has really taken a toll on myself and my children. I just want to get out from under this umbrella of debt created by this divorce and be able to move on with my life.
Pay off our home
My husband and I have nothing for retirement. We are in great need of help. Our goal for 2012 is to figure out how to get a financial plan started and then start the process of getting on track financially. We know if won’t happen over night but we HAVE to start or it will never happen. We need guidance
We are trying to pay down out student debt.
To stay within budget on groceries…no extras in the cart!
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.
Financial goal for 2012: To tithe and really leave all of our finances up to God.
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.
My financial goal for 2012 is to pay off as much debt as possible and teach my children the importance of financial stability.
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.
pay off at least one car
Get rid of credit card debt! Start saving for a newer car purchase.
Would love to be able to earn/save enough to have half of our international adoption paid for.
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.
Our goals for 2012 is to pay our credit card debt off. With only one income and a house of three it seems like it is impossible. I am not good with money at all so this would teach me everything I need to know. This would be a great way to start my new year off right. Thanks for the chance to win this!!!
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.
My goal is to pay down credit card debt and build an emergency fund.
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.
want to pay off car and get real saving for kids college!
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!!
I’d love to pay off my student loans and credit card bill. So my husband and I can buy a house and take a honeymoon that we never had.
We are trying to save more for retirement and our kids college.
Hello my name is Rita hunt I have a 21 year old daughter shehas a child the father recently passed away my goal for 2012 is to help her and show her more about dave Ramsey so she wont have to struggle with raising her daughter alone thanks for all your help Dave
Reduce our grocery bill by 50%. With your site’s help, of course
Pay down debt and save money so we can have another baby. Fertility treatments are expensive but the end result is so worth it!
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. :)
Our financial goal this year is to follow our budget every month and create a better savings for those unexpected things!
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!!
We began reading Total Money Makeover in December. OUR 2012 goal is to start living it.
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.
My financial goal for 2012 is to create a budget to payoff more debt and save enough money to make some much needed repairs to our home without having to finance same.
Set aside some savings to build an addition!
To start a college savings plan for our triplets, in addition to the one we already have for our 9 year old.
Pay off two credit cards and save $5000.
Pay down debt and save for a disney trip!
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.
Our financial goal is to save a down payment to get into a new home by the end of 2012. We are spending less and saving more :-)
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…
With our promotion and move to Georgia we will have more income and I would love to get out of debt and repair our credit so we can buy a house. We have lived from paycheck to paycheck and now with two children, I want to be able to have a permanent home for them to grow up in!
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.
My goal is to GIVE more so that we can BLESS more!!
One of my goals is to start a college savings acct for my 2 year old!
eliminate credit card debt!
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.
Our goal is to save at least three months worth of income and to pay the last bit of our bad debts off.
to pay off our bills and become great stuarts of god
stewards
Goal: pay off all credit cards to have money for newer car & expand family
To get my husband to stop eating out so we can save money
To pay an extra house payment or 2 this year .
pay down debt – pay off my car!
One of our goals is to bring in more than three times our grocery budget per month – use $300 to bring in $1000 in value.
We have created a budget to pay off all of our debt over the next two years, then start to pay down on our home. With $10,000 a year in daycare, cars falling apart, etc. It is hard ot maintain the beans and rice mentallity. Dave is so great at re-energizing you to want to live like no one else, so you can, live like no one else:)
I’m going to try to cut back on my discretionary spending and put it towards savings instead.
We were recently married in October, and we are looking to successfully pay off our debt so we can start our lives together debt free as well as save up money in order to put a substantial chunk down on our first home together. (hopefully by the end of 2012!)
to pay off our car. we have done some dave remsey books before, love his insights. takes disicplne but so worth it
2012 Financial Goals: Pay off credit card debt, save at least $1000, and stick to a plan to be debt free in 10 years.
Wow! This would be a HUGE blessing to jump starting us in the right direction! Awesome give away!
Live within our means and try to cut grocery / toiletery purchases down to $50 week.
My financial goal for 2012 is to make the small business (antiques shop) that my husband and I own profitable. I’m happy if we make the shop rent some months. It would be really nice to actually make a profit.
Love Dave Ramsey! I have read The Total Money Makeover and would LOVE a FPU kit so we could take a class! Our goals for 2012 are to complete Baby Step 1 and start our debt snowball rolling!!
To make sure not to accrue any new debt, save, and pay off any current debt. All on a faith based missionary income!
My goal this 2012 year reguarding finances is to get “BETTER EDUCATED”! Being more involved and budgeting, All the while working toward getting rid of credit card debt. Having $180,00.00 in debt is a heavy load.
Our goal is pay off the credit card debt and be better stewards of the money that the Lord has given to us.
Pay off credit card debit. I could REALLY use this.
One of my financial goals for 2012 is to create and live within a budget, save $1000 in household goods and grocery by couponing. I am also saving towards my son’s college fund.
To pay off all my student loans!
My husband lost his job almost 2 years ago and we have been robbing peter to pay paul. I plan to get on the program and pay off our debt. We were able to pay off our house and one car. Have one more car and credit card debt and we will be debt free!
My goal is to spend less on myself, so that we can spend more helping others.
To get out of the hole. I need to find a job but any tips I could get on working with what I have would be great! Please pick me!
I just found out today that I’m getting a pay cut at work. So, my goal is to figure out how we are going to make ends meet.
Getting alot of medical bills paid off.
To pay down our debt and to open a savings account again and not dip into it. Hopefully my family will see some light at the end of this financial tunnel and have a little peace of mind back once more as we did in the past. :-)
To try and pay off credit card debt and save all the money we can.
My goal for 2012 is to learn how to better manage our money. In addition to helping pay our bills, we have recently taken on the responsibility of supporting my brother and his 3 children until he is able to find a job. We are also helping with my parents medical bills. We are trying to save for a wedding that we have been putting off due to money issues and would like to start a family of our own. We definitely need to pay off a few things and learn to better manage our money in order for our dreams to become a reality while helping our family that has been fortunate enough to help us in the past, but is not longer able.
Our goal is to set up an emergency fund and start paying off one car payment! We love Dave!
Pay off my credit card!
My goal is to pay off my credit card & to grow my small business so that I may create my own financial freedom & employee other people.0
I hope to have the opportunity to use the FPU gift to learn how to correctly create a budget and stick to it, to get caught up on our bills, and some day pay off the enormous amount of debt created when our business died during the economy downfall.
My family’s number one goal for 2012 is to PAY OFF CREDIT CARDS.
We are no longer a 2 income family, not our own decision.
Therefore, opening up monthly funds is imperative to keeping our home.
To become Debt Free!!!
Goal #11is to teach my daughter to live within her means! I also plan on paying my car off and one other loan.
My finacial goal this year is to stay out of debt, pay bills on time, and save, save, save! :)
I love Dave Ramsey, i have already saved our $1000 emergency fund and paid about $6000 in debt. My goal for 2012 is to be debt free, and start saving to buy a house. We recently moved to MN from FL. But there is so much still for me to learn.
Our family goal is to pay off all medical bills by the time our new addition arrives in September! Also we want to own a house before 2013!
Our goal is to pay off our credit card debt this year.
To increase savings..and to come up w/ a doable budget (my husband has a job that’s base + commsn.)
I am 21 years old and just got engaged! Our financial goal this year is to prepare ourselves financially for marriage. We want to make sure we make a financial plan so we do not end up with bad debt. This package would be great for us because education on finances is vital before marriage!
My main financial goal this year is to be able to set up an emergency fund for my family, unfortuanly working for a small non-profit makes it hard, but i am doing my best!
I hope to start saving more for future expenses like college.
My goals are to stick to my budget and establish a savings account with an emergency fund. Also, to start paying off my students loans, even though I’m still going to school. Its going to take a lot of effort and planning, but I’m hoping to make it happen!
Single mom who’s on Baby Step #2… my goal is to be through Baby Step #2 in 2012, and have 2 months in my emergency fund…
I would really like to put more in savings and start a college fund for our daughter this year.
Just received a discharge on the bankruptcy we filed 4 years ago. First financial goal for this year is to get caught up on bills and stay current with them. Then we will see were we go from there. Have 2 in college this year and because of poor planning on our part, the fact that we lost everything in a housefire and had to rebuild, these two are having to pay their way through college. With Fox’s,grace, we will get by.
That’t God’s grace.
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.
My financial goals this year include budgeting for EVERYTHING and trying to save more.
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.
My goal is to SAVE money. We have no credit card debt and no car payments but we are not very good at controlling all of the everyday spending. With 5 kids something always comes up.
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.
My goal is to use coupons and discounts whereever possible, maybe even haggle on price.
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 plan to continue contributing toward our kids’ college funds and saving extra
toward retirement (above the teacher retirement that is already withheld). We
were blessed to go through Larry Burkett’s How to Manage Your Money course as
newlyweds, so we paid off all debt and built our home debt-free before any of
our 4 kids were born. We made a commitment to the Lord early in our marriage
never to go into debt again, for anything. That was over 13 years ago, and He
has taken good care of us ever since!
We want to start saving for our kids’ college education!
2012 goal to begin eliminating our family’s small debts- credit cards,etc. and start paying cash for everything.
I’d like to start paying off my student loans.
We’re having another baby this year, so our goal is to pay for all baby-related expenses in cash, despite having only one income. My husband and I have already made a plan and we’re following it diligently.
To be satisfied with what I already have……..
we would like to pay off our credit cards and save for fertility treatments so we can start a family credit card debt free :)
I am trying to make a dent in our student loans, so we can start saving for our daughter’s school!
Our goals are to contribute a significant amount (we are aiming for $200 per child but that is certainly downwardly flexible) toward our children’s college accounts, per month. We want to continue using coupons to decrease our grocery spending. We also aim to pay off our tractor in about 4-5 more months — yay! We would love to figure out how to get our mortgage paid off early as well.
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!
I’d like to take a much needed family vacation and pay cash for EVERYTHING!
Goals:
Build up 6 -12 months emergency savings
Save to purchase a card out right
Build up long term savings
My goal is to pay down a bunch of my debt and try to work up my savings. I can’t keep living by the skin of my teeth like I have been. Being young, it is a good lesson that I’ve learned but its time to stop!
Our goal is to stick to a cash-only system (with a budget, of course!).
My goal is to figure out a way to buy a used Honda Odyssey to cart my growing family around in! The old station wagon just won’t cut it anymore after Baby #3 arrives!
Goals: Build up 6 -12 months emergency savingsSave to purchase a car out rightBuild up long term savings
To stick to our budget and save, save, save!
I would like to pay off the line of credit behind my checking account.
After being a stay at home mom for a long time I started a small business last year. My financial focus this year is making that business profitable while paying off medical bills we incurred last year.
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 our vehicles, leaving us with only our home debt. Replacing our flooring. Saving way more than we spend.
Pay off debt – especially medical and tuition bills from my child’s special needs school and hopefully start to save for college
When I made my ‘New Year’s Resolution’ for 2012, I decided that this year I would do my absolute best to only purchase products for which I have a coupon. For the past 2 years I have been on again, off again with using them. BUT, I DO know, when I get serious about using coupons I save a TON of money, have plenty of items to donate to charity and still have plenty for my family of 5. I plan on figuring out what I WOULD have spent without coupons and try to put that much money away, into paying bills, etc. It would be great to be caught up on simple bills, like water, elec., etc. We always are one month behind. I know there is a better way, we just don’t seem to get it right!!!
My goal is to pay off my student loans.
I really want to build up my savings account this year.
Completely pay off mortgage and have a healthy savings. Getting close to retirement and got to get really busy. Love Dave!!
My husband and I are on the baby step of elimating debt. We are hoping to have it complete by the beginning of next year. We have already paid off over 10k.
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.
to setup an emergency fund & get 2nd car paid off ~
2012 goal is to pay off as much debt and start building an emergency fund.
I would love to be able to pay down our credit card debt by the end of 2012 and learn to manage our money in more useful ways instead of wasteful spending. I would love to be able to have the knowledge of better budgeting to help my family in the future & help my 4 year old son grow up knowing the value of budgeting. I don’t want him to fall into my footsteps and live a life pay check to paycheck. This will help my marriage be about love & devotion for my family again instead of wording about how we are going to pay daycare and the power bill. Southern savers has helped to learn how to coupon and save money, now I need the help to learn to budget better and pay off our debt and be debt free!!
To eliminate as much of our debt as possible this year and not incur any further debt.
My husband I have been listening to Dave Ramsey since August. Our financial goal for 2012 is to change our family tree by eliminating ALL of our debt (which includes selling our house and renting for cheaper while we pay our debt), and building wealth. We want our childrens children to be taken care of, and following this plan will help us get there!
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.
Our goal for this year is to pay down all our debt by at least 50 percent so we can purchase a home.
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.
My goal for 2012 is to move closer to paying off my student loans so that I will have more flexibility to stay at home with our current child and future children! We plan to pay double on each monthly payment this year. I have wanted to participate in the financial peace university for a LONG time but never want to pay the 99 dollars lol, there is always some reason the budget is tight!
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!
Pay off the credit cards!
Continue to knock out student loans.
Continue to add to our savings and retirement! Pay off debt!
To pay off all of our unnecessary bills.
We are trying to pay all of our credit cards off and never use them again. I loved Ramsey’s book “Total Money Makeover” and this package would be a GREAT help in our family’s total money makeover.
Set up a budget and fund an emergency savings acct.
My husband and I have been following along with Dave Ramsey for two years now. For the first time every we have a $1000 emergency fund and have paid off close to $30,000 in debt. Living off of one income it makes it hard, but we are up for the challenge. It may take us a little longer to accomplish all of our goals, but we will keep on. Our goals this year are to continue to pay off our debt and save money by making wise choices.
My biggest financial goal is to get out of credit card debt.
to bee debt free
Pay off debt!
My goals this year are to get myself on a sound financial footing. I’m recently single, learning to thrive on one income, and am a student as well. I want to pay off my existing marriage debt and live comfortably debt free and within my income means. This would be very helpful.
To help my daughter find financial freedom!
One of my financial goals is to figure out a realistic budget based on one income and then stick to it.
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!!!!
Pay off debt!
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!!! :)
The goal for my family is to do with less, save more….. But more than anything else I want to work together with my husband on a set plan and not just as issues arise
To eliminate our credit card debt and car payment. Then start a college fund for our daughter.
I would like to get some bills paid off and get some money put in savings not sure where to start to cut. Please help this would be a great help for me.
Me and my husband would love to be able to pay off some bills in order to bless others in financial need.
pay cash for house renovations
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 knock off debt, pay off my car, and then work on the house, oh and did I mention wanting to do it on one income vs. two! I need help!!!
To save enough to pay cash for much needed new flooring for our entire house :)
To pay off the credit cards and quit using the plastic!
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.
My goal this year is to graduate nursing school and begin getting my credit repaired so that, Lord Willing, in the next few years I can buy a home!
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 love to pay off all credit cards this year. Mine and my fiancee’s. Then I can make a dent in student loans.
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!
I remember sitting down with a financial planner at 30 saying I wanted to retire at 50! Well now I’m 40 with 4 kids under 3. Don’t think I’ll be retiring at 50,but would love to have a larger nest egg set aside for the future to maybe retire at 65. That would be awesome
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!
I want to start a college fund for my son.
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.
I would love to sell my house this year and pay off my credit cards!
My goal is to pay off my car loan and to pay our tax return on our mortgage!
My financial goal is to finally start saving money. I also want to be able to take trips with the family, so i will spend less wildly.
I am going to stop sneaking online purchases
Our goal is to pay all of our credit cards off this year!!!!
To handle our finances with respect
Tithe to our church
Tithe to our savings
Emergency Fund
Home Repairs
Payoff Debt
To have money in a savings account and to be able to keep in the for emergancies.
Our financial goal is build up our emergency fund!!
My goal for 2012 is to save more money to be used for the purchase of a new lawnmower.
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!!
I am a young married woman with a one year old i try to coupon and budget but i dont have any savings i’d love to work on growing my account and becoming financially secure.
To start contributing to our 401k.
Set a plan for paying back graduate school loans.
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.
My goal is to save money…..
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…
Our goal is to save enough money so we family of 4 can get out of 2 bedroom place
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.
to start a college fund for my two boys- even it it means only saving 35.00 a month (hopefully more!)
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.
we would like to pay off credit cards, save for kids college and pay more on our mortgage.
One of our goals this year is to pay off the debt!!
My goal is to pay off the credit card debt.
Oops! Meant to say”if we don’t develop a plan”
YAY!! I am so excited about this giveaway!! We have been recently discussing and pricing the FPU Kit!!! We are interested in doing a class at our church, but trying to work out all of the details. We have three children and our main goal is to pay off student loans and hospital bills this year! Winning this giveaway would truly be a blessing to our family!! Thanks for the opportunity! :)
Our biggest financial goal for 2012 is to pay off our Credit Cards!
to pay down credit card by EOY
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
To pay off two credit cards this year so we can be better off financially!
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.
To save up for retirement and to start a college fund for my 4 kids.
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.
One of my goals is to have money to take a vacation this yr.
I definitely need your help!
my husband listens to Dave Ramsey on the radio and our goal is to build a emergency fund this year. (among other things we want to implement.) It would be so great to win these to have available for reference!!!)
My Husband and I would love to be able to pay off all bills, so we can bless others in financial need.
cut my student loan in half this year
To continue saving for retirement, paying off credit cards and starting a savings account.
I would really like to be able to payoff our medical bills. Last year was really tough on us, we had 3 surgeries and a bunch of medical tests done on our son. We had a change of insurance half way through the year and it really did a whammy on our finances. We’ve listened to Dave Ramsey on the radio, but haven’t taken his class. Our medical bills are very high and taking the class would help us to get on track to paying this off or at least getting plan for paying it off.
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!
I love Dave Ramsey. We are currently working on baby step 2! Our goal is to be at least 1/4 the way through our debt snowball (of at least $40,000 :-/) by the end of this year!
Contribute more the retirement savings
To take a family vacation without being a financial burden afterwards.
To become DEBT FREE!
We want financial freedom to be able to give more! My friend and I were talking about this series and both missed out on the Mamapedia offer a week or so ago. We were disappointed that we didn’t take the opportunity. Winning this would be a God send!
We have been trying to get out of debt for a while now. we are doing pretty good, but now need some outside help.
I’d like to pay off the credit card debt we accrued while repairing damages to our house…
Pay off all my credit cards
After just having our second child, my goal is to be able to provide the childhood for my two boys that I had; to be able to tell them no out of principle v. telling them no because of money. To do this, I know we need to get out of debt and be smarter with the money that we have.
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!
To actually have enough money saved up to cover 3 months of bills.
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.
Our goal this year is to pay off our mortgage by Oct.
I need to use more coupons
Finish school without taking out a loan!
to save for a family to trip to Canada!
We would like to add to our emergency fund.
Be able to save for retirement while keeping our heads above water paying the bills.
Save enough money to remodel kitchen without accruing debt elsewhere.
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.
One of my goals for 2012 is to have ZERO credit card debt!!
Pay off my credit cards!!!!!
I have heard wonderful things about Financial Peace! Two of our main goals are to increase our emergency fund and start paying above the required payment on student loans.
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!
My goal is to create and use a spending plan in order to become debt free ($20,000 credit card debt and mortgage) and strengthen my marriage by working together with my husband on this. Our debt is currently negatively impacting our marriage and keeping us from freely following where God might lead us.
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.
My goal, and I have been successful for 18 days so far, is to live a cash only lifestyle so I can pay down my debt. If I dont have it then I cant spend it. Sounds easy? Not after 40 years of living so far beyond my means that the light from my means may not reach me for another 2,000 years.
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.
Get our finances under control, getting the smaller bills paid off, living below our means, and paying extra on our larger bills to see a much lower total debt by the end of 2012.
I’d love to save to build a house in the country.
Try to be free of credit card debt!
Pay off car loans.
Start a savings account
Our goal is to have all student loans paid off this year and make a big dent on our house payments.
Finish getting a daughter through college while putting more into retirement.
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.
My biggest financial goal of 2012 is to Live on what we make and pay down credit card debt. For years we have been using credit cards to make ends meet and that needs to stop. Hopefully this will be the year we turn the cycle around
Our 2012 goal is to make it possible for me to be a stay at home mom to our 2 children.
My goal is to be able to live on only 1 income. I had a workers comp s
ugery that has left me unable to work anymore. Now our family income has been cut in half and times are very tough for us.
Would love to win this so I can show hubby WHY I am always saying NO to buying things. LOL
I would love to be able to give more to missions.
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 goal is to pay down credit card debt and be able to reduce my hours to be home more with my four month old.
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
Pay off credit card debt and save more.
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.
My goal is to pay cash for a new deck we need for the house.
We are going to attempt and putting a dent in our mortgage this year since we paid off our cars last year!
To stop unnecessary spending!!
Get rid of credit card debt.
i would like to save more on groceries, and not spend as much on unnessary items.
My 2012 goal is to start saving for old age. So i dont have to worry about anything in my years to come.
I would love to have both vehicles paid off and be Debt Free by the end of 2012
Our goal is to put some money into savings this year!!!
Oh, I was just looking at Dave Ramsey’s website last night . . . I want to do his program but money is way to tight to buy the kit or attend a class . . . I would LOVE to have this . .. . my goal for 2012 is to get on the same page financially with my husband and to JUST START the debt snowball!
Our goal is to pay off our credit card debt and save enough money to buy a house.
My goal for 2012 is to start a 6 month bills fund, so if something happens my family will be prepared.
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!
My goal this year is to sell my small business & pay off all my debt, save what’s left & finally be debt FREE!
To pay off my credit cards
I plan on having two small loans paid off & hopefully one of our cars.
We want to live like no one else so that later, we can live like no one else! :-)
We are already on our way to be free from the death grip of our bills.We have energy improved our home some and hope to do more. And have a plan in place to be free of credit cards in the next three months.and then our next goal. is ours cars then the house.It’s great to know we will be free from those things We are so thankful we are on this track. Most people right now are worried about how the are going to make it at all.Let us all find a way to give back.
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 use cash as much as possible.
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!
Our goal is to save the money to buy a car this year with cash.
My goal – have all credit cards paid off. And/or some medical bills.
I plan to save more and get my credit in order to purchase my own home.
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.
Our goal is to pay off both vechicles and both credit cards!
Credit card debt – be gone!
I want my credit card debt GONE. I love Dave! There’s not enough room here for me to say all the ways he’s changed my life!
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!
Goal to find lowest credit card APR, consolidate bills, and save money!
My financial goal for 2012 is to pay off all of my medical bills!
i’ve read some of dave’s stuff and i really want this to be the year we start moving in a positive direction. i need the structure and support of the FPU… and a swift kick in the butt… to make 2012 the year we begin getting it together! i would like to pay off at LEAST 1 credit card in 2012 and have a realistic plan for the rest.
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!
I just lost my job and at this point we are trying to pay off anything and everything we can. Our goal is to be debt free in 2012.
This is I want to save more for retirement.
Pay off all small debts and build a great savings account!
Our financial goal is to pay off our car. I would love to be debt free except our mortgage!
to have our credit card debt gone!
Wow, my goal for this year is to pay down a loan from my closed biz and to stop living paycheck to paycheck.
Start paying interest on student loans
Our goal for 2012 will be to set aside 6 mos. of living expenses.
Pay down my credit card.
Our goal is to pay the last bit of credit card debt and begin saving our six month emergency fund.
Pay off ALL personal and business credit card!!
to build my new marriage on sound financial principles!
Trying my hardest to pay off my charge card in 2012! It is not going to be an easy task, but I am going to do my best at it!
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 the rest of our credit card debt AND the majority of our car loans!
Pay off debt so that we can go into full-time Christian ministry sooner.
Savings!
Pay off my student loan and credit card. Also, tell my husband about them. :-(
To save to buy some land in the mountains.
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.
Our goal is to quit living paycheck to paycheck.
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!
I read Dave’s book, and by June will be out of debt by paying off my last student loan. If I were to win, I would really like to gift the class to some friend’s of mine.
would love to cut our debt at least halved by years end
Stop living paycheck to paycheck, or short each paycheck due to budget cuts and furlow days at work. Plan for a financial future, including another baby, owning cars without payments, and college savings for our son.
Looking for a way to get on a budget and stop living paycheck to paycheck.
paying off our credit card
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.
One of our financial goals for this year is to pay off a business loan. I would love to have the Dave Ramsey kit!
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!!!!
Our 2012 goal is to get rid of the $$$ CC debt we racked up during unexpected job loss!! It’s time to live like no one else….
I want to pay off my hospital bills. :-(
I have been eager to take this class since last summer!! I’ve been waiting for one near me, that is on an available day of the week for me. I would LOVE to have my car paid off by the end of the year.
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
Wow! how amazing. We used some of Dave’s practices and got gazelle intense last year to get rid of all credit card debt. Now in 2012 we’re just working on selling our house and getting rid of car payments. This class is offered at our church a couple of times a year – sure would be nice to attend for FREE! PICK ME!!!
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!
Buying a house. My husband and I are finally empty nesters and are looking to put everything together the way it should be and live a more comfortable “rent free” life. We’ve already been working on this since I lost my job and we lost our home and a car in 2008.
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!
We finished FPU Dec-10 & have been working the program, admittedly not as gazelle intense as we should be at times. We’re 1/2 way to debt free and plan to pay off my jeep and 1 more credit card this year.We’ve personally given away 4 FPU kits and are leading our 2nd FPU class at our church next week.
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.
I want to pay down my line of credit and put money in savings for a car.
One of our goals is to pay off a credit card debt.
Our goal is to put an extra $500/month in savings, so we have some cushion for when we have children!
with two kids in college….I am always trying to find ways to put something in savings.
My husband and I have paid down 1/3rd of our debt within this past year and I’m determined to have the other 2/3rds GONE by Christmas!!! That’s our number one goal. But the biggest reason why we’d like to be debt free?? We’re trying to get pregnant with our first!!
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 goal is to pay off our second car loan and to work hard to build up our savings, pay off our mortgage and save for our kids’ college.
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 family’s goal for 2012 is to be debt free by 12/31/12! I love Dave Ramsey! While I have read some of his information, I have been DYING to find a way to attend one of his seminars. Please help me, my husband and our son reach our goal!!
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 husband and I are hoping to purchase our first home by using one of Dave’s qualified ELP’s. We could use all of the help we can get with these awesome products. We have no debt and want to keep our finances as steady and smart as possible.
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.
I’m a fan of Dave and his daughter, Rachel. I love the app on my phone. I’m looking forward to accomplishing baby step one and two- getting an emergency fund and paying off credit cards!
Our goal this year is to Go Green, paying cash for as much as possible and try to use the envelope system.
Debt- free would be nice.
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 is to set aside money in savings to ultimately make a down payment on a house.
One of my financial goals this year is to begin saving.
I will be getting married in the next year. My financial goal is to have my car paid off before we get married.
Our goal for the year is to pay off all of our credit cards!
cash only
Our finicial goal to to have our car paid off and to increase our chilcren’s college fund!
I want to be able to pay off my credit card and personal loans. It has been very hard since I lost my job and just making ends meet is hard sometimes. i have fallen behind in paying some of my bills so I want to keep everything current. I would also love to have an emergency fund.
Some of our goals include eliminating credit card dept and paying down our auto loan.
Debit free & actually have cushion in the bank for emergencies.
In 2012 I will learn to live as a one income family. Scares me to death would love to win this.
Being a 1 income family with 2 small children, our financial goal is to pay off and destroy the credit cards and to start an emergency savings while also contributing to our kids savings accounts.
My goal is to get an emergency fund started and pay off all my credit cards in 2012! Anita
One of our financial goals this year is to put money into our girl’s savings accounts every month!
Continue to pay off our student loans!
My financial goal this year is to start a bank account for my twins. I wanted to do it before they turned 1 but missed out. I am determined to do it this year!
Put more away this year so I can retire young!
To pay cash for two “new to us” cars.
Since being unemployed, my financial goal of a single parent family is to pay down debt and become debt free.
What an awesome giveaway! One of our goals this year is to pay down my much deserved “Mommy makeover!” We have about $5,000 left on it and I know it can happen! – May
Our goal is to have financial peace even though my husband may lose his in the next 2 months.
Our biggest financial goal of 2012 is to stay within our budget.
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.
Not be tempted to use my credit card for any reason!!
Pay down debt – car and student loan – and save more for emergencies!
getting rid of debt is a big step
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
Pay cash for a for a van with a wheel chair lift for my son,and my back:)
Learn to live on a budget that I can stick to!
Our goal for this year is to save for a down payment on a house.
Bring my credit score up!
My 2012 goal is to be smarter with my money and to spend it on what matters the most!!!!! thank you
To cut down on spending
Our goal is to get back on our feet after a bitter motion/child custody case that lasted over a year, & drained our savings & checking. Continue to support and raise our 4 kids and eventually open a savings account for each one. Also to stay within a budget.
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!!!
Pay off our IRS debt and take a vacation!
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!
make a budget.
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.
My first financial goal for 2012 is to get a job! I have been unemployed since Feb. last year and have been living on my credit cards and 401k… HELP!
would love to limit debt to mortgage only
Completely overhaul our finances and get our debt clearing & investments for retirement back on track!
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.
Pay off our credit cards and then save for me to get a car.
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.
To get our finances in order and get our debts paid off. I would love to be able to make extra payments on our mortgage.
Get out of credit card debt!
To cut down on unnecessary spending
put money into savings instead of spending as much as I earn
To pay off my last two credit cards. I cut them up a few years ago, but can’t seem to get them paid off with the high interest.
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 pay off debt quickly and afford to send our children to college. We have children who are 18, 17, and 16, so we need to do something quickly. Our first child graduates this spring.
To finish paying off my student loan!
To keep the dentist and chiropractor paid off!
We would love to pay off our student and car loans and start saving for a house…
To have some money left over every month for savings would be GREAT!
I want to pay off our car!
I would like to get my lake house in shape to rent by the week.
We are actually just starting his program and hope to be debt free in a year!
I am having a baby by induction this weekend and one of my goals is to not go baby buying crazy with the credit card and get back into the credit card debt game after paying off all cards last 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.
One of my goals is to eat out VERY much less than I did last year.
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
Our goal is to get back to tithing like we should be.
to pay off our debt and stop living pay day to pay day
I am in my mid forties and a full-time college student pursuing an Associate’s Degree. My short term financial goals are: get all of my debt paid off. As for my long term goals: I want to put 40% of my income (degree will be earned by 12/20…12) into a Roth IRA, 15% away for an emergency fund that can be accessed immediately if necessary and live on the remaining 40%. Because of my individual circumstances, my goals can be met w/o any problems such as : job loss or catastrophic illness, etc. Lastly, I would like to use 5% for charity giving.
To pay off my student loans.
Create more income for my family without “working”. I quit my career to stay home with our beautiful daughter. I started couponing exactly one year ago. With that under my belt and mastered, I started selling things on E-Bay last month. I would love to increase my E-Bay business to contribute as much as possible. 2012 is all about E-Bay :)
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.
My husband has been out of work for 5 months and we are struggling. We want a financial overhaul. We want a second child, but I have to have thyroid surgery first. We haven’t done either because we don’t have the money to do so. We haven’t racked up more credit card debt since he’s been out of work, but it doesn’t seem like we are making any headway on the balances.
Our family would like to give more to the Church and be out of debt.
My goal is to finish paying off my car by May and then use that extra money from not having a car payment to pay off a credit card or two!
We would LOVE to be debt free!!
Our financial goals for this year are to eliminate the debt we encrued when my husband was out of work last year.
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.
Convert some of our retirement plans into a Roth IRA
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!
My goal for 2012 is to pay extra on our mortgage each month.
I would love to have at least one of my student loans paid off by the end of 2012!!
2012, is to pay as much as possible on my credit card debit that I accumalated as a single mom and pay off a medical bill that I had from breaking my foot last year. Finding a job is priority 1 since I’ve been out of work 10 months now!
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…
My goal is to pay down my student loan debt!
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.
I would love to be credit card debt free this year!
Pay off credit cards and have a savings account
My goal is to keep track of my business expenses so that I may deduct more on my taxes.
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.
One of our financial goals for 2012 is paying down credit card debt!!
We were just given the goal in our pre-marital counseling to read Dave Ramsey. This would be such a help!
To be debt free and start saving for our dream house!
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.
My goal would be to manage money better.
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.
I would love to be able to save more money.
To payoff 25 – 50% of my mortgage
To save more money and get out of debt. We are expecting out first child in June!
My goal for the year is to get the “debt snowball” rolling!
To pay off my student loan!
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!
Since I have been unemployed for over 3 years, we had to stop making an extra mortgage payment. I’m hoping to start again this year.
Love Dave Ramsey!!!
We first heard him on the radio when moving to St. Louis with the military. Loved his ideals. I would love this giveaway as we are entering retirement and really need some help with our debt. Thanks
One of our financial goals for 2012 is to stop using the credit card!
My goal for the new year is to pay off my mound of debt accrued while I was a single mom.
My financial goals are to be debt free and pay off my student loans!
I have read Daves books and am trying to re=read and get more out of them. I would like to pay off my student loans this year!
our goal is to follow and budget and pay cash for a new to me car!
My goal is to save for retirement while still paying down current debt.
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!
Most importantly – pay off credit cards! My daughter also needs braces this year and would prefer not to finance those!
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.
Our goal is to be out of debt by the end of the year!
start a college fund for our daughter and start contributing to my retirement fund.
we have a 2 yrs & a 4 month old. So for this year our goal to is to open them savings accounts and pay off some debt
Our goal is to pay off as much debt as possible by the end of 2012!
Well, we already reached one goal this month which was to pay off credit cards totally. Next goal: pay off car loan.
Our goal is to pay off all of our credit cards!!!
We are way I debt. I he been couponing for a year, and making cakes on the side. We have began reading daves total money makeover and made lots of changes but we still have a long way to go. Wanted to see Dave next month at Gwinnett arena but tickets do not fit our budget do this pack could really help us.
My goal is to pay off my student loan so I can start saving for my chidren’s education
I had good credit until I got divorced, I would like to be able to payoff credit card debt left by my Ex and start saving for retirement
I want to get out from under my crushing debt.
My goal is to pay off my student loans so I can go back to school and start a college fund for my son.
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!!
Get some credit cards paid off!
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.
Our goal is too pay off as much debt as possible with the help of God. We are in a really hard place now because of credit card debt. We have to work hard this year to get back on track.
To end credit card debt~ Snowballing since 5/2011 :)
Financial goal: remain debt free other than mortgage while being a stay at home mom while my husband is living somewhere else due to military. Couponing so far has enabled us to do that.
Live off of one salary and allow me to stay at home.
My goal is to pay off student loans so that we can prepare for baby number one who is on the way!
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!
My goal is to keep track of exactly where I spend all of my money for the next 3 months, so I can look more closely at areas I can cut.
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 chipped away at over $30,000 in credit card debt in the last 3 years. I only have a little under 10,000. So my goal is eliminate the last debt and start saving to buy land to start a small garden business. Debt -free of course.
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.
we want to have a wedding for our daughter and pay as we go…and not charge.
My goal is to pay off my credit cards and finally have financial peace!!
My financial goal in 2012 is to handle my finances with my husband so that it becomes a blessing and not a burden!
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.
Our goal for 2012 is to use our debt reduction plan while thinking & speaking prosperity! Proverbs 23:7 For as (s)he thinketh in (her)his heart, so is (s)he (couldn’t leave us out ladies ;)
My goal for 2012 is to pay off my CC and car.
Our plan is in place to pay off the rest of our debt by March (3 years left of debut will be paid off in 3 months – yay!), and our next goal is to save up for our emergency fund.
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
Would love to be in a position to purchase a new home in the next year or so!
we hope to build up an emergency fund and finish paying off our car
I owned a Curves franchise until May, 2011. It closed b/c of financial problems. My personal finances are a mess. My husband doesn’t make enough to pay for all of our bills, much less anything extra. I’m trying to start a home daycare, but that’s going to cost quite a bit of money in order to meet the compliance regulations. I’m a stay-at-home mother (I have 5 children), and even if I did get another job (which I’ve tried for 8 months to do), I would only make enough to pay for the gas to and from work & daycare. I’m better off staying at home with my child (all the others are in school). This daycare could bring in significant income for my family, all the while I would be able to stay home & not spend any “extra” money. I’m tired of collection agencies calling every day, and me not being able to even scrounge up $5 to make at least a little payment. I’m tired of being on government assistance. Our TV service has been cut off a few times, my husband cancelled his cell phone, and I’m constantly borrowing money from family members to buy gas for my own vehicle. We are blessed, however, to own our house & 2 vehicles debt-free. But, there’s still the insurances that go with those. My children deserve better, and I’m praying that one day we’ll be able to give them what they deserve.
Saving money in our TSP account, as well as paying off all medical/dental/orthodontic bills!
Our family’s financial goals are to “remain afloat” once our first baby arrives in April. Though we’re excited we are expecting a lot of changes in our bank account!
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 :)
To pay off my car and then start working on our mortgage.
Our Family’s financial goal is to become secure enough to put our 4 kids through college without ruining our future retirement goals.
Wow – I would so LOVE to win this to help get our family of seven out of debt. We really need to get rid of our credit card debt!
Pay off credit cards.
I had a few goals for this year. Number one is topay all bills before they are due; save for an emergency fund and then start paying stuff off.
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.
Having lost my job a few months back; my financial goals have come to abruptly smack me in the face and now have my full attention. My goal for this year is to turn my part time ebay business into a full time income for my family. I began couponing last November and have saved hundreds already! I
have to make this work, my son graduates this year and begins college!
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!
Our goal this year is to use the money from my new job and my husband’s recent raise to pay down our small loan and student loans. Just keep living like we didn’t even have any increase in pay!
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.
I would really like to win so I can give it to my husband’s brother. The have no idea how to save and are overdrawn in the checking buying things they don’t need and can’t afford. I would love to share Dave’s knowledge with them. They really need it.
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.
My goal for this year is to be debt free except for our mortage.
pay off credit card!!
We love Dave Ramsey– listen to every night on WSB Radio in Atlanta! One of our financial goals is to put enough inn savings to float us for 6 months if we need it.
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.
I have a terminal illness and despite how expensive medical bills can be my husband and I decided that our goal this year is to research Dave Ramseys plan and work it. I want to leave my husband and children debt free so that they will not have a financial burden when I am gone. And although I may not be here to teach them everything they need to know hopefully this example will put them on the road to financial freedom when they are grown.
God bless you friend . . . I am praying and rooting for you and your family!!!!!!!!!!!!
Pay off my credit card and make twice the payments on my student loans.
Our goal is to pay off our truck and start saving for emergencies.
This is a life changing plan that really works!! My husband and I read Total Money Makeover in late November. We are applying what we have learned and we will be debt free (excluding mortgage . . . but including pay-off of two vehicles and more) in 16 more months!!!! And thanks to Jenny, we are now saving an additional $500 / month!!!! So grateful for sharing hearts. Love Dave Ramsey’s motto: “Live like no one else today (frugality), so you can live like no one else tomorrow.” Being able to pass the blessings on to others in need.
I have started working Dave Ramsey’s plan after reading his books. My goal this year is to pay 1/3 of my largest debt that I have been chipping away at for nearly 10 years. I would love to take the Dave Ramsey class, and would love to win a free kit!
Donate more :)
Everything else in place
Thanks Dave Ramsey!
“Where the paid off home mortgage has replaced the BMW as the status symbol of choice.”
I have a one week old son and we have realized how important financial security and PEACE is and how empowering it will be to change our spending habits and begin to take ownership of our financial peace. My goal for this year is to pay off our wedding, begin to pay down our credit card debt and work on rebuilding our credit scores.
Getting things ready for a very large yard sale and putting it straight on credit card debt and workin part time to get out of debt cause hopefully by the end of 2012 I will have my emergency funds set up No credit card debt and then will start on car and house loans
With 2 going to college in the fall, we can use all the advice we can get to help pay for their education without breaking the bank.
My wife is learning first hand what “gazelle intensity” looks like. I’m selling just about everything not nailed down, to pay off about $10k in debt by the end of the year!
My wife is learning first hand what “gazelle intensity” looks like. I’m selling just about everything not nailed down, to pay off about $10k in debt by the end of the year!
One of my goals is to teach others the financial freedom that my husband and I have found!
My financial goal is to figure out a budget and stick to it!
Am 53 and hubby is 55. He is self employed….Since age 45, I have been trying to focus on retirement but at that time I had teenagers and college pending….well now I have learned my lesson(a little too late?). I plan on taking charge, though and need all the help to ensure financial freedom in our retirement. Hubby has not helped me but has been engrossed in his day to day workday activities. I have no one to blame but myself….will continue to look ahead and Dave Ramsey, I admire you for your persistence in helping families like us!
Am 53 and hubby is 55. He is self employed….Since age 45, I have been trying to focus on retirement but at that time I had teenagers and college pending….well now I have learned my lesson(a little too late?). I plan on taking charge, though and need all the help to ensure financial freedom in our retirement. Hubby has not helped me but has been engrossed in his day to day workday activities. I have no one to blame but myself….will continue to look ahead and Dave Ramsey, I admire you for your persistence in helping families like us!
My financial goal for this year is to save money to be able to use cash for Christmas purchases next year. I hate the stress Christmas time brings because of all the presents we need to buy and feeling like we don’t have enough money. My plan is to set aside so much every month and dedicate it to Christmas. I haven’t decided on the amount just yet, but whatever ends up being in the “Christmas Fund” that is all that we will spend for Christmas. It sounds good to me now, I just hope I can accomplish this throughout the next year.
Pay of my student loan and reduce my credit card debt by at least half or pay off completely!
Save for a mattress.
With my husband having been laid off a week ago, our newest goal is living off of my salary and using as little savings as possible. the second important goal will be to bring our savings fund back up to the original level as soon as possible after he finds a new job.
My goals this year are to pay off credit cards and close on our first home.
pay off my husbands and my student loans and help put our finances back on track. So when we have a family emergency like we just had we can go back home if necessary with out haviing to use the bill money and make things worse than thtey already were.
My husband, brother in law and myself want to start a new business!
My goals for 2012 is to pay on and reduce my credit cards, pay off my hospital bill, pay on my student loans, and shop using more coupons so that I can lower my overall grocery bill.
One of our financial goals is to be credit card debt free!!
save enough for a downpayment for a house.
Save enough for a down payment on a home!
Not have to take out student loans for hubby’s Nursing School tuition!
Dear Southern Savers,
My family’s greatest goal this year is to pay off our debt in preparation for our oldest child to start college in 2013.
to continue on our journey to a Debt Free life!! We have been working hard at paying down our debt – including using the envelope system. I am becoming quite good with couponing ( with your help) – and amazed at how much I am learning to save. Thanks
Pay off my student loans!
My goal for 2012 is to work on Dave Ramsey’s baby steps. Im working on baby step one and hopefully I can be debt free SOON!!
START paying off student loans and SELL our house!!!
I have wanted to get this for a long time and have been unable to afford it. My goal is to teach my children (especially my 17 year old who is in his first semester in college) and myself how to make my money work for me. I need all the help I can get~ thanks~
I’m trying to expect the unexpected and trying to sock away money for those extra things that don’t cost a lot but add up quickly. For example, snacks at church functions. I’m trying to be more diligent about couponing too.
2012 is the year that my husband and I finally get our finances together. We have been married for 4 years and always seem to have times that we just skate by. We would like to start an actually savings and pay off our credit cards and my student loan.
paying off my credit card
Pay down as much debt as possible and be on my way to being debt free
We are debt free except the mortgage. So I guess our next goal is to save up for our next car so that we won’t have a payment for that.
Over the course of 2010, I went from an 80K/year job to a 18K/year. I’ve drained my IRA and now I’m in the process of filing for bankruptcy. I’m a single woman, no kids, but am still drowning in debt. I do love Dave, have been reading his work for years and if not for the loss of salary I was on my way to being debt free. I’m selling off everything I can and have even sold my 17K Element in favor of a 3K Ford. My goal for 2012 is to make it to 2013 and if nothing else, still have my house and a better paying job.
Our goal is to save for our 3rd adoption without taking on debt.
To pay off my car note…after that only one student loan to being debt free!
My goal for 2012 is to build up my savings account
My goal is to pay off credit card debt, build savings, and get in a position to pay off my husband’s veterinary school loans quickly once he graduates next spring.
I love Dave Ramsey!!! My goal for 2012 is to finish the renovations on our first home :) In addition to hopefully saving a small amount on the side for our wedding. I think we can do it, but we will definitely have to follow a strict budget!
One of our goals is to stick to our budget. We have one, but we usually don’t spend more than we plan.
Our goal is to pay for our twins to attend college!
Save enough money to go back to school!
We would like to pay off credit cards and start paying more on mortgage so we can retire with no mortgage payments within 15 years. We are using and saving with lots of couponing and this saves money but we could use some assistance and knowledge on how to be DEBT FREE AS SOON AS POSSIBLE!
We just completed baby step 3!! The next goal? Get our retirement accounts rolling!
Would like to pay off home equity loan!
Start saving more and teach my kids about savings by opening up accounts for them
My husband and I just completed our first year as small business owners and that business is completely debt free at this point, so our financial goal for this year is to remain that way and keep chipping away at our mortgage – which is the only thing we owe on now!
Make additional mortgage payments and sell old stuff we don’t need.
Our financial goal for 2012 is to actually have some money in savings!!! And we have $200 already!! :)
Start college funds.
My goal is to help my husband understand the pain and stress brings to our family. In the last 2 years we have lost 20% of our income by no choice of our own and in return we have gotten second jobs, sold everything we can, and cut everything we can and now we are hanging on a thread.
whoops, missed an important WORD …..My goal is to help my husband understand the pain and stress DEBT brings to
our family. In the last 2 years we have lost 20% of our income by no
choice of our own and in return we have gotten second jobs, sold
everything we can, and cut everything we can and now we are hanging on a
thread.
My financial goal this year is to continue my financial plan of financial peace and continue to eliminate debt.
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!
One of our financial goals this year is to pay off credit card debt and then start a savings account for an emergency fund.
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.
My husband and I have been working on a plan to simply make ends meet and quit living paycheck to paycheck. So far we have been unsuccessful so it is greatly appreciated to have the chance to possibly win literature to help us to achieve our goals.
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!
We would love to be able to work toward becoming debt free – we have 2 in college and 2 more coming up in the next few years. We are working hard to limit the amount of debt from college. We would love to be able to take the course!!
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 wife and I want to reduce our non-secured debts 25-50% this year.
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!
What an amazing giveaway. Fingers crossed!!!!
My hubby and I have committed to putting extra money on our house payment each month…oh, and also saving tons of money couponing ;)
We took a FPU class at our church and it totally changed our life! Defiantly worth it!
Save over 50% on grocery bills
I want to pay off everything except our mortgage!:)
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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Hard for me to type because of my vision so I misspelled some words
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!!!
My financial goal for 2012, to finally feel at peace with money.
Our goal is to save money by eating more at home than at restaurants.
We want to build up our savings account.
We want to pay off student loan debt and get out of a car payment.
I would like not to live paycheck to paycheck. Also cut down my school loans.
To pay off credit card and car!
I’m hoping we can work on being debt free this year, we’ve been working on it intensely for the past few years and I can’t wait!
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.
Put more in a college fund for our daughter
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!
Pay off our mortgage and be debt FREE! Save for our two grandsons college funds and go on a diet to help cut our grocery bill each month.
My goal is to cut back on the grocery bills and eat the surplus we have stashed in the freezer and fruit cellar.
Our goal is to pay off some our medical bills which we have A LOT, to sell our 1000 sqft house which we have out grown & buy another one Lord Willing! God Bless!!
I want to pay off our credit card!
Our goal is to start paying off all of our credit card debt.
We’d like to pay off our credit card debt and actually save for an emergency fund
My goal is to pay off our credit card debt. I am a 36 year old mother of 3 going through nursing school! Unfortunately, we are getting deeper in debt as I can’t work and do school! Dave Ramsey, HELP US!
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
One of my financial goals this year is to follow a tighter budget and save more money. We have been living off of one income for the last 6 months and putting money into our savings account has been hard to do.
This year I am re-positioning my finances to be more self sufficient and live a less material yet more satisfying lifestyle.
10% to church/charities, & save for one year’s tuition to an in-state college for one child!! :))
Our goal for this year is to get out of credit card debt. c
This year my goal is to keep my hands OFF my savings account!!
To use the money I am saving from coupons to payoff my debt……
start putting money away in savings again for emergencies and less emergencies :)
My goal in 2012 is to pay off our van!
We are trying to pay off old credit card debt and start our little girl a college fund
I would like to pay off at least half of my student loans and finish paying off credit cards!!
buy a house
My goal is to half my home equity loan.
this year my husband and I hope to build up an emergency fund and not have to stressfully live paycheck to paycheck.
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.
debt free and building savingsssss
Our goal is to finish paying off our debt, and to still be able to give to others!
Our goal is to start over. The recession got us in 2009 and we have finally just gotten back to a starting point. We hope to buy a ca as our has bit the dust and get back into a house of our own.
Financial goal would be to pay more on debt and put more in retirement.
my goal this year is to pay off the debt we have and start our investment plan.
getting my IRA account on track
My 2012 financial goals are to pay off one of our credit cards
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.
I’m 28 and I can’t wait until I have a family, but I’d love to be debt free before that happens. Unfortunately medical bills and unemoyment has caused me to go I to credit card debt. Now that I have a job I want to pay off my car (I have 6 months on it), all my medicals bills, and at least one of my credit cards. I’d like to be debt free before 30.
Pay off DEBT!
Our goal this year is to start a budget and pay off some of our debt as a start.
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 help pay for my masters degree, and pay it off when I am finally finished.
To increase our emergency fund.
To begin saving each month!
To begin saving each month!
Our goal is to pay off student loans.
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 primary financial goal this year is to successfully accomplish a major lifestyle change including career change for my husband (from military to civilian life), selling the house, moving, and buying a new house/starting a new life with as little new debt as possible. Paying off as much existing debtas possible would be nice too ;)
My financial goal for 2012 is to diligently work toward lowering my debt, even if it means getting that second job.
My goal for 2012 is to purchase a home after becoming debt free with all other bills
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.
Our financial goal this year is to payoff both family vehicles and begin making extra payments on our mortgage. Hard to to with 4 children ( 3 that can drive, one of those in college)
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.
We have planned to pay off the last of our credit cards, reschedule our IRS payments to have the debt paid off by the end of 2013 and reduce our other spending by 25% this year. We are also looking to finace out of pocket a vascetomy reversal for my husband this year.
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!)
My goal is to get rid of credit card debt! I’ve got my spending under control now but I’ve got to get out of debt.
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.
Our goal is to pay off part of credit card debt and break free from car payments!. Have started college fund, would like to get better at saving larger amounts!
My is to become current with my bills. Many of my bills are past due.
Pay off car loan and roll the money onto the CC debt. Sell the current house and buy a new one that has a mother in law suite. My very healthy mother has moved in with us and we are looking for a home without a second floor and a little more privacy for her.
Establish a reasonable budget to accomplish goals, savings, and college fund for two kids.
My financial goals for this year is to pay off the all our credit card debt. We currently own our own home and have no car payments just a lot of Stupid Tax as Dave says on his show. I know we can do this. We did not use our Credit cards this Christmas so we are already ahead. We really need this. I have taken on house cleaning for my friends and neighbors trying to earn extra money. I listen to Dave every day at 1:00. I know his program could change our live.
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! :)
I actually have the Dave Ramsey Financial Peace kit. However, I would like to win this kit to give to a dear friend of mine, who I’ve known since I was 6 years old. She has 3 kids, a husband, and she works but they are in a great amount of debt. I’d like nothing more than to be able to give her the gift of Dave Ramsey’s FPU so that she can finally have that peace that I am in the midst of obtaining myself! Thanks to Dave Ramsey!
My Financial goal for 2012 is to clean up my credit report and start a college saving acct for my son.
Our goal is to work on paying off our credit debt.
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.
To pay of debt besides our house. I would love this kit.
I would love to pay off some medical bills
I went to an introductory meeting and loved it. I would like to be able to work towards getting debt paid off in 2012.
My financial goal for this year is to increase my emergency fund significantly while paying for 3 kids in college without any student loans!!
We want to pay off my hospital bills (we racked up some nice ones over the two years it took us to have our son!) and the credit card! We would looooove some guidance!
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.
This year we plan to start building our savings.
I would like to save for our retirement.
Our plan is to finish paying off all of our small debts and our car by the end of the year! It’s been really tough (yesterday was my first real grocery trip this year), but we’ve survived!!!
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!
My 2012 goal is to pay off debt & start saving money to buy a house.
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!
My husband and I retired this year, and our goal is to live frugally and save for the extras that would add richness to our lives. Every bit we can save on necessities means more for a nice trip.
Help my parents retire.
Complete baby step three!
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.
I really need to focus on funding my retirement! I finally have a job that matches my 401k contributions.
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!
I have been trying to save money any way I can and my goal is to get my husband to watch more closely. He had heard of Dave on the radio and wanted me to order his books for a long time now but I have a hard time paying for it when we got so much debt, feels like I should put that money to it but I am realizing I need the guidence and am not getting anywhere.
Paying off credit card debt is #1 for me.
I am working towards being a stay at home mom. I am 6 months pregnant with baby # 3.. once this baby is born I will have 3 little ones under age 5! I would love to win this. We have no debt, but are trying to lower our monthly expenses to reach this dream!
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 :)
To pay off our debt so we can start saving money for our kid’s college funds
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.
I plan to payoff our debt and start saving more money.
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 plan on paying off my credit cards and my student loans- finally!
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!
I would love to pay off all our credit cards and our two sons college loans so we and they can be debt free. Thanks! Katrina
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!
This past year we have gotten a lot of medical bills that for whatever reason our insurance decided not to pay. We are really trying to get those bills paid off and pay off our car as well.. We would love to learn how to better manage our money and get these bills paid off fast! Dave is an awesome teacher and we can’t wait to begin learning how to achieve the financial peace that he can teach us about. Thanks for a chance at this 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 husband and I are hoping to stay out of credit card debt although he recently lost his job:( This class could help us so much in this time of need! Good luck to everyone!!!
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.
Our goal for 2012 is to pay off our medical bills from last year.
One of our financial goals for 2012, is to have an income.
Selling my home and buying something smaller!! And reducing my mortgage debt!! Thanks!
My goal is to pay off a bill completely this year and start a untouchable savings.
Actually save money by couponing!
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 for 2012 is to make a budget and stick to it so I can work on paying off my credit cards and student loans!
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!!
Pay off all bills(medical, credit cards, etc)and save.
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
This year we’re working to get out budget set and start climbing out of the hole we’re in. 2011 ended up being a really rough year and we’re determined 2012 will be the beginning of better financial decisions.
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.
Jenny – I have had my eye on Dave’s material for a couple of years – just never have the extra $ to put towards it. I’m 27 and my student loan payments of $350 a month are about to start on top of needing a new car in the near future and trying to help my mom pay off my grandad’s funeral. I want so bad to get my credit cards paid off, put a little away for a car, and pay off this funeral so I can get financially prepared for my student loans to kick in. Thanks for your giveaways and taking time to read this :) – A
2012 is going to be the best financial year of our lives thus far! We are going to get out of debt asap. :)
This year I would love to stop living on out paychecks month to month, and actually be able to save some money in order to be able to give our children valuable life experiences, like traveling and different cultural events. I would LOVE to be able to win this kit so that we could learn to do this from the best name in the financial budgeting world!
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.
This year our goal is to pay off the student loan in it’s entirety & pay down/off our medical bill.
Pay off my husbands student loan!!! We love Dave Ramsey
We are going to take this year to practice a cash based system for the first time ever! No more swiping!
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!
financial goal for 2012, pay off our truck 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.
We have always dabled in the “Dave Ramsey type” style of budgeting but have never really taken that necessary and needed next step to our financial freedom. I love to listen to the impowering stories of those that have been successful and dream of the day we do can be right there with them. We really need the kick in the rear end to take that next step and I think this opporunity could be it. Fingers Crossed We make the next step to truly get out of debt! – Emily
Our goal is to eat out less and save more money!
Save money for a home & my sons college education
Pay off credit cards!!!
One of my goals is to have more in our savings.
pay off credit cards in full
My financial goals for 2012 include, being able to set a reasonable budget which still allows my family to be able to enjoy occassional things like eating out, going to the movies, etc. I would like to be able to begin to pay down my debt while still putting some money in savings that can be used in emergencies versus having to depends on credit cards. I would also like to be able to start teaching my daughter how to be financially responsible aswell
My goal is to pay off our credit card and start investing money for the kids college.
create savings for retirement
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
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
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.
1. Get Financially organize
2. pay of my house
3.start saving money for retirement.
Would love to get financially organized and learn out to make our money count and not always feel like we are living paycheck to paycheck….
Would love to get financially organized and learn out to make our money count and not always feel like we are living paycheck to paycheck….
When we got married a year and a half ago, we had 6k in credit card debt. We are now down to 2k.
Goal: to be completely debt free (including our 60k in student loans) in 5 years.
When we got married a year and a half ago, we had 6k in credit card debt. We are now down to 2k.
Goal: to be completely debt free (including our 60k in student loans) in 5 years.
Tighten up our budget and get my grocery bill down.
I have a lot of debt from being off of work with pregnancy complications I would love to get that paid off this year.
I plan on trying to actually start a savings account this year!!!
I have been unemployed since 2010; as well as my husband(who is self employed). It has been difficult juggling bills on unemployment & my husbands side jobs, but I have faith that we can help ourselves if we were chosen to receive this AWESOME gift of “Financial Peace University”. Goals that I envision for myself & family; start my own retirement account (my husband had one before we were married), pay down our $10,000 credit card debt, and pay down our mortgage significantly. Thank you for any consideration that you could give to me in receiving “Financial Peace University Kit”.
Our goals are to do better with our grocery buying and plan on eating at home more to save money to put towards our kids college funds.
One of my goals for 2012 is to pay off all my credit card debt!
I have many financial goals this year. Since we are now a one income family, I would like to pay off all of our credit card debt and get started on paying off our car debt. I would love to learn how to sav more for emergencies and planning for our son’s college in the future!
start saving for retirement and open a savings account for my kids
My financial goal this year is to pay off as much debt as possible so I can be one step closer to my dream of starting my own animal rescue organization. It seems like a Catch-22 – that I have to work a certain kind of job to be able to afford the student loan payments for the education that qualified me to have the job..lol.
I would like to eliminate as much debt as possible so I can afford to start a family :)
My goal for 2012 is to have all my small bills paid off, (credit cards, dentist, drs, etc….).
This year I want to abolish my debt and start saving for our retirement while still living comfortably on a budget :)
my main goal is to set a realistic budget & contribute each week to savings as well as setting up a trust for my 1yr old Son. I hear Dave Ramsey is the best so I would LOVE to win this giveaway! Thanks for all you do!
My main objective this year is to build up our savings.
I really would like to pay off my school loans and start repaying it as soon as I graduate in June.
I would like to start saving more and avoid any unnecessary expenses.
Our main financial goal for this year is to start a savings account so we dont have to worry about unexpected issues
Our main objective this year is to get as close to debt free as possible!
my goal for 2012 is to save at least 3 months of my salary before the baby comes-
tcogbill at live dot com
My goal is to pay for my husband’s schooling without taking out any loans!
First off to get out of credit card debt and then pay for school. I was looking into his books and wondered which one was the best.
Live within our means.
No more student loans (doctoral student). Start paying student loans.
To pay off two credit cards (starting small) :)
Learn how to create a budget that is resonable that I can stick to.
To get a job.
I AM SO EXCITED ABOUT THIS! My husband and I started Dave Ramsey in December. I read the Financial Peace book and have been wanting to get the others. We started our budget in December and use the envelope cash system and it has worked awesome but I am a sponge and just want to keep learning more! My goal is to pay off our top 4 debt items in my debt snowball this year and am on track! I would love to attend his class!!!
I AM SO EXCITED ABOUT THIS! My husband and I started Dave Ramsey in December. I read the Financial Peace book and have been wanting to get the others. We started our budget in December and use the envelope cash system and it has worked awesome but I am a sponge and just want to keep learning more! My goal is to pay off our top 4 debt items in my debt snowball this year and am on track! I would love to attend his class!!!
To get my husband more involved in our finances!
Finish Grad school and start 2nd half of life career in low paying but gratifying job.
my goal is to pay off our last credit card this year & never use it again!!!lol!!!!
Our goal is to become debt free this year with only our mortgage remaining, then pay that off in 8 years or less, even while putting two through college. Would love to attend this class as an added incentive and possibly bring the kids along to get them started off right as young adults after homeschool.
Save money. Period.
We need to pay off debt, so we can save for college for our sons. One is 15 and one is 10
Goal: to purchase two young adult oriented Dave Ramsey books for my college aged children to get them on the proper path!
I want to begin getting out of debt. I am 56 with $30,000 of credit card debt, $30,000 in student loans, $80,000 mortgage and very little in retirement. Future “looks” bleak!
One of my financial goals for 2012 is to try and pay off my car.
Develop a budget and stick to it so we can start saving for our kids college
Develop a budget and stick to it so we can start saving for our kids college
Our financial goal for 2012 is to pay off our two year old twins NICU bill! We only have about $ 7000 more to go from $127,000. My husband and I have read the Total Money Makeover and have done the envelope system (using cheap white envelopes) but we would love to know how to continue our financial peace after we have accomplished this goal. We want to be good financial stewards and hopefully pass on the ability to live debt free to our children.
Pay off medical bills and then tackle the credit card.
My goal is to have enough money to pay regular monthly bills without wondering what to put off.
In 2012, we would love to finish the debt snowball we started quite a few years ago!
Financial goal: set a budget and stick to it!
Financial Goal… 2012 get at least 1/3 of the way out of debt by end of year.
My goal for 2012 is to start a college fund for my children.
My goal for 2012 to to save more.
One of my financial goals is to get my husbands and mine credit card debit paid off and money saved so that we can move some where that we can make a better salary. He currently has 3 degrees and can’t use them at all where we all.
My goal is break unhealthy spending habits and learn how to live debt free and be able to show my son that it is possible. I don’t want him to grow up dreading the phone ringing at night the way I did.
My college school loan.
get some debt paid down so i can start saving for my boyz education
My major financial goal is to finance my daughter’s college tuition and fees without taking any money from our savings account.
We want to save up and pay cash for a car!
finish paying off credit cards and 1/3 of the student loan debt!
I want to gain control of my finances and pay my bills on time while living within my budget!
My goal is to buy my first house and manage the associated finances while still saving
Our goal for the year is to become current on everything and have at least one month’s salary saved by the end of this year. My husband losing his job and being injured the beginning of 2011 got us off to a bad start but we have been made progress towards our ultimate goal of being out of debt.
My goal is pay off the credit card with the smallest balance and then move on the the next credit card
We want to be debt free.
Just read the Dave Ramsey’s book and am starting our Total Money makeover in February, hence just began couponing this month and must say that your site has been the most helpful in tackling the couponing mysteries. Who knew it could be so complex. So my goals begin in 2012 but go through 2014 and I will be debt free with 6 month income in the bank. And truly on my way to financial peace.
Need more in college fund in a bad way
Refinance my mortgage down to seven years!
Be faithful in saving monthly.
pay off credit card debt.
My goal is to make a total financial makeover since I have been disabled for 6 yrs. Now and for the last 2 yrs my husband has been sick and unable to work. We live on my Disability check so my goal would be to make our small monthly income work best for our family. I would like to save enough money to take my son on a real vacation he has gone without so much he desearves to have at least one good vacation. Laura A
My plan as a disabled person with a low income is to stop all catalogues coming into my home tempting me. I have bare boned down to the extended basic cable, cheapest package basic internet, no frills cell phone plan and I am still struggling. I HAVE started bank drafts for my utilities and credit cards to avoid late fees I can’t afford.I have budget billing on my enery billing and very energy wise. I have no home phone, As you know Social Security Disability is very low income, yet not low enough to qualify for help with food because I am by myself. My fico score is bad due to medical bankrupcy in 2006. I have my bank automatically put $10 per month into a savings account, As each credit card is paid off I plan to increase this. I have 7 cards with $20 – $35 per month with a total of $1900 credit card debt. I’m trying to pay off the highest interest card off first by paying a little extra than the minimun on those cards. I plan to compare my auto insurance and raise my deductible to $1000 to see if I can get a better rate. I try to be as frugal as possible and I still fear at 53, due to my health, I’ll never have that half year stash of emergency fund stashed away. My granddaughter told me the other day, “Granny, you never take us to the movies anymore.” I spoiled them for so long, Now we have plenty of arts & crafts, board games, and yard games.
Any suggestions for streching money under the poverty line?
Lower our student loan debt.
I got married in September so 2012 is our first full year of money management as a married couple. Our goals for this year include paying down our home loan for the remodel we did in 2011, tithing more to our church, and totally eliminating ALL credit card debt and maintaining $0 balances. We are so close to the last goal we can taste it. But it’s like the last 5 pounds of a diet…the last $400 seems to be the hardest!
My goal for 2012 is to maintain $0 in CC debt (recently achieved this!) and to avoid entering into new credit relationships as much as feasibly possible. This means getting a part-time job and using that $ to save towards a replacement car and save $ to send my daughter off to college.
I have returned back to school only taking one here & there. I’m changing careers and hope to go to school full time by the summer. This will mean I will have to quit full time job. My financial goal is to save as much money as possible and to pay off as much debt at the same time.
My goal for 2012 will be for my husband and I will continue to pay down our debt without adding any new debt. Which means that we should be debt free by the end of the year!
TO PAY OFF STUDENT LOAN AND CREDIT CARDS
I am ready to start learning to take control of my finances. I want to be able able to start paying myself something every month. I would like to be able to take the steps to be debt free and that means no mortgage payments! I would also like to learn how to start investing for retirement since I how none right now.
Thanks…
I am hoping to get out from underneath credit card debt that is suffocating us and get to where we can build savings!
Wow! Where do I start? The main thing I want to do in 2012 is really figure out where all of our money is going. I would love to pay down debt,too.
To start using cash and really set a budget and start sticking to it!
Save more for retirement.
Pay off credit card debt and save more.
We’re hoping to rework our budget to start giving away 50% of our income by living off only 50% of it. Hopefully we can learn to be more frugal and help others get essentials they need like clean water, food, and an education.
Get out of DEBT!!!
To put a dent in our student loans.
To be mindful of what I spend and where I spend it and to only spend it if necessary and then to spend it wisely.
Using what I have instead of buying more “stuff.”
To finally buy a vacation home we have been dreaming of for 4 years!
Our goals are to get out of debt and start saving for a bigger house. We have recently just adopted 3 girls and we live in a small doublewide – we need more room, but we can’t do that until we are out of debt!
I am obsessed with Dave Ramsey! He’s my hero.
My biggest goal for 2012 is to finish paying off my school loans from the evil Sallie Mae.
we have struggled for 19 years of our marriage and we have a senior this year going to college and i want to teach him the right way that we were not taught.
Start saving for our 2 year old’s college by paying off both cars. Once we do that , we can put our car payments toward his future!
Get on a budget and stick to it!
My goal for this year is to save 3 months living expenses.
Get our finances in order.
To pay off at least half our debt!
Our biggest financial goal this year is to pay off the loan on our car.
My financial goals for 2012 is to pay off the credit cards!!!!
I’m wanting to pay off my house and be DEBT FREE!!!!!!
To pay down debt accumulated while my husband went back to school
To lower our debt as much as possible!!
As of Aug 2012 EVERYTHING we have will be paid in full other then our student loans!!!!! GOAL… KEEP IT THAT WAY!!!!!!!
I would like to start a savings account while still being able to eat well.
Learn to be more frugal to save me from working so much overtime but still pay off my husbands medical bills. I want him to not have to stress about work or money so he can beat cancers butt!
our goal is to clear my dh’s credit since we have paid off the last his debt this month, and to start paying my debt off. We have been married fo 12 yrs and renting apts that long. I would love to have a house before my son goes to high school in 2 yrs. God’s will.
I just started on your site in the last year. I will be 65 in 15 years and have not even started (or know how to) save for retirement. This would be ideal for me. Thanks for all you do Jenny.
My prayer is to stop living paycheck, to paycheck, to have enough to give freely without worry, and to bring financial peace to my home.
We have decided to crack down this year and be debt free by Dec. 31, 2012. This is a revision of our plan to be out of debt in 3 years. Looking for all of the motivation and tools we can get to do this in 1 year instead!
To learn more about the financial world, so I can get a better handle on my future.
I’d like to finish paying off the house by the end of the year.
Our goal this year is to pay off all our credit cards. We want to be debt free-by 2013 (our daughter graduates from high school). We want to be able to help with college. Both our vehicles will be paid off 1/2013. I am so excited! We have 3 more kids right behind her so it would be really nice to help them all with college.
With my hubby going back to school, it is my goal to not incur student loan debt and paying off credit card debt while still managing to put 10% away into my 401K.
Our goal is to have one more credit card paid off, before the student loans come due!
I want to figure out where our money is going and where we can cut back on our spending.
i want to have both cars paid and be able to live comfortably in teh military pay that we get
My goal this year is make to the most of the financial blessings God has given my family. Not just to get more for our money, but to really spend less whenever possible.
Our goal is to pay off all credit card debt then cut up the cards!!!
My husband and I plan to buy a house this year. We won’t be able to purchase debt free like we had hoped, but we will be able to pay it off in a few years!
Pay off credit card and get out of debt and save our 3 months of living expenses!
My financial goal is to start saving for retirement and how to teach my children do to the same.
Paying off about some smaller debts with a house sale.
Just going to be a first time homeowner , my financial plan is to budget wisely to not get into further debt and to be able to donate to missions at my church
My goal is to be out of debt (except for my mortgage) by May of 2012
Start working to pay off student loan debt, working towards a new home, and providing for our first baby due in June!! I am recently graduated from college, and I really feel that I could benefit from the lessons Dave Ramsey teaches on how to better manager money, to get out of debt, and eventually how to even save money and be prosperous instead of scraping by. I know I am not the only American facing financial difficulties, but I would love the opportunity to be able to start young so that by the time our new son is an adult, mom and dad can give him the same sound advice and sense of financial peace that will hopefully change our lives now.
We are in our first year of marriage, and would like to pay off all of our medical debt so we can start saving for a house down payment.
I would love to pay off all of my credit cards and then save for my kids college!!
I have decided to try and get 6 months emergency fund by the end of 2012.
Our goals are to pay off more dept and save more.
We really want to build up our savings account and emergency fund.
I would love to build more credit this year and save a downpayment for a house. Our goal this year is to buy a house!
My biggest financial goal for 2012 is to not only save more with my grocery/household purchases but to also help others with theirs.
Can you ever have enough financial peace???? I want to be credit-card debt free by the end of the year. Go Dave!
My husband and I have a goal for 2012 to pay off all of our credit cards, our car note, and beginning paying off our $200,000 in student loan debt so that we can start a family in 2013 :-)
Me and my wife would like to be able to start saving money for a down payment on our first home together.
Paying off debt so my husband and I can start a family =D
Pay off student loans.
This is the motivation we need for 2012! Thank you.
Our goal for 2012 is to be credit card debt free by the end of the year! Hopefully we will achieve this!!
My husband and I have struggled financially for years. However, this last year has been exceptionally hard on us. We need to find financial peace so we can focus on our family. I want our boys to understand how to use money in a responsible manor and I know that we can not teach them this if we are living paycheck to paycheck and struggling.
Build back our savings.
With my son entering college this coming fall and financial assistance not available for very much of the cost I see this as an opportunity to get my budget in line. I hope to have his tuition and books covered as well as maintain my household of 4 and would love the assistance and guidance on how to get that accomplished!
Live within our means.
Pay off Orthodontist
Pay off Orthodontist
We hope to start a real savings account and pay off our smaller student loan
Since purchasing our first home at the end of 2010, it seems like everything that could go wrong did – my husband lost his job, I was 7 months pregnant so we racked up a lot of medical debt and then my husband had not one, but TWO kidney stone procedures done. We did what we could – I launched my own business working from home so I could be with the kids and not pay childcare costs, my husband found a great job (after 9 months of searching) and we learned the value of couponing. Our goal this year is to not go any deeper into debt and to pay off our 20 different medical bills!
We plan on paying off all the credit card debt and the car loan by November of this year! I cannot wait to start saving like crazy!
I want to refinance my mortgage, pay off one car, and put significantly more in savings. So far, so good!
I want to refinance my mortgage, pay off one car, and put significantly more in savings. So far, so good!
One of my goals is to have grocery money in the budget.
Our goals: pay off my husband’s truck (then both vehicles are paid), pay down the rest of our debt and get SERIOUS about building up our savings.
Our goals: pay off my husband’s truck (then both vehicles are paid), pay down the rest of our debt and get SERIOUS about building up our savings.
Start paying more on Student Loans. We have eliminated all other debt because of Dave Ramsey. After this is paid off we can start saving for a home!
Start paying more on Student Loans. We have eliminated all other debt because of Dave Ramsey. After this is paid off we can start saving for a home!
I already use the envelope system and strongly endorse it for anyone who has any amount of debt. But to get the whole set would be fabulous. I am paying off small debt and trying to stay on budget.
I already use the envelope system and strongly endorse it for anyone who has any amount of debt. But to get the whole set would be fabulous. I am paying off small debt and trying to stay on budget.
Pay off all debt before the end of the year & start retirement egg
Pay off all debt before the end of the year & start retirement egg
to not feel out of control with our finances.
to not feel out of control with our finances.
To be DEBT FREE and pay cash for a dependable car!!!
To be DEBT FREE and pay cash for a dependable car!!!
We want to increase savings and start college savings for the kids.
We want to increase savings and start college savings for the kids.
Would LOVE to be debt free in 2012. I saw you at the Becoming conference and was praying to win this kit from Dave Ramsey! Love the chance to win it again and hopefully I will win!!!! Thanks for all you do Jenny!
Would LOVE to be debt free in 2012. I saw you at the Becoming conference and was praying to win this kit from Dave Ramsey! Love the chance to win it again and hopefully I will win!!!! Thanks for all you do Jenny!
Pay off our van by June and then, get 6 months’ savings in the bank!
Pay off our van by June and then, get 6 months’ savings in the bank!
I graduated college January 2010 and have plenty of student loans I am trying to take care of along with many other typical adult payments/loans I have. I am getting married in May and we would like to start a family sooner then later so a goal we arer working on is trying to pay as much as we can on everything and go without eating out so much and buying things that are not necessary. It has been a hard change and we both wish we had some kind of guidance to see the bigger picture.
I graduated college January 2010 and have plenty of student loans I am trying to take care of along with many other typical adult payments/loans I have. I am getting married in May and we would like to start a family sooner then later so a goal we arer working on is trying to pay as much as we can on everything and go without eating out so much and buying things that are not necessary. It has been a hard change and we both wish we had some kind of guidance to see the bigger picture.
One of our financial goals for 2012 is to be rid of all bills that aren’t needed. So basically anything that is not utilities, rent, food, clothing.
One of our financial goals for 2012 is to be rid of all bills that aren’t needed. So basically anything that is not utilities, rent, food, clothing.
To save more money & budget better.
To save more money & budget better.
We need HELP. My husband has been unemployed for three years. At 50, he’s had to return to school to learn a new career. As he finishes, and we start to reassemble our lives…..financial guidance will be a prayer. And, we are ALSO thankful for YOUR site; you have SAVED us more than you know!
We need HELP. My husband has been unemployed for three years. At 50, he’s had to return to school to learn a new career. As he finishes, and we start to reassemble our lives…..financial guidance will be a prayer. And, we are ALSO thankful for YOUR site; you have SAVED us more than you know!
To pay our bills and stay out of debt!
To pay our bills and stay out of debt!
We are credit card debt free!!! Next we would like to pay off one of the cars. A big goal this year is to focus on teaching our daughter (a junior in high school) the Dave’s principals.
We are credit card debt free!!! Next we would like to pay off one of the cars. A big goal this year is to focus on teaching our daughter (a junior in high school) the Dave’s principals.
We’re going to pay off Sallie Mae (our last debt besides the house) this year!
We’re going to pay off Sallie Mae (our last debt besides the house) this year!
We simply need help getting on the right track of paying down debt. We don’t have a lot, but we need to build our savings.
We simply need help getting on the right track of paying down debt. We don’t have a lot, but we need to build our savings.
Our family has just gone through a MAJOR financial crisis. We are determined wtih God’s will to get our finances under control to avoid future crisis’. We can only do this with God’s help and the help of others who know more than we do. This program is what we are wanting to do with another couple and then share what all has happened with us in order to help others. We are looking for a free copy but I promise if we win we will use it and then share it FREELY to help others.
Our family has just gone through a MAJOR financial crisis. We are determined wtih God’s will to get our finances under control to avoid future crisis’. We can only do this with God’s help and the help of others who know more than we do. This program is what we are wanting to do with another couple and then share what all has happened with us in order to help others. We are looking for a free copy but I promise if we win we will use it and then share it FREELY to help others.
Pay off debt and start saving for our kids future.
Pay off debt and start saving for our kids future.
To pay off bills that built up from cancer treatments.
To pay off bills that built up from cancer treatments.
In 2011, I discovered that my husband, the man I had built a family and a life with, had been lying to me and cheating on me for years. Now a single mother of three young children, I am finding 2012 the year to find my inner strength and re-claim my independence. Part of this is financial independence. I am now a full time college student, and when I graduate I will hold my head high, knowing that I have bettered my life and my children’s lives not only financially, but in many other ways.
In 2011, I discovered that my husband, the man I had built a family and a life with, had been lying to me and cheating on me for years. Now a single mother of three young children, I am finding 2012 the year to find my inner strength and re-claim my independence. Part of this is financial independence. I am now a full time college student, and when I graduate I will hold my head high, knowing that I have bettered my life and my children’s lives not only financially, but in many other ways.
Our goal for the year is to payoff our car this year and still have a way to have savings. Which we don’t have at all now. We also have decided to put our trust in God to get us down the right financial path. Been wanting to do the Dave Ramsey Financial course for a long while just couldn’t afford it.
Our goal for the year is to payoff our car this year and still have a way to have savings. Which we don’t have at all now. We also have decided to put our trust in God to get us down the right financial path. Been wanting to do the Dave Ramsey Financial course for a long while just couldn’t afford it.
We would love to pay off our vehicles and start saving for our children’s college. I would love to get help and be able to say we are debt free!
We would love to pay off our vehicles and start saving for our children’s college. I would love to get help and be able to say we are debt free!
Set a realistic budget and stick to it.
Set a realistic budget and stick to it.
My husband an I need a total financial make over!
My husband an I need a total financial make over!
to reduce debt and increase savings and be more self aware of our spending.
to reduce debt and increase savings and be more self aware of our spending.
I have 2 kids in college and one graduating from high school in May !! I have 2 car notes and need to be able to help my Senior get one. We live paycheck to paycheck and I want to be able to find a way to not have to live this way. Thanks for all you do to help us save money.
I have 2 kids in college and one graduating from high school in May !! I have 2 car notes and need to be able to help my Senior get one. We live paycheck to paycheck and I want to be able to find a way to not have to live this way. Thanks for all you do to help us save money.
I want to start paying off my credit card debt!!!
I want to start paying off my credit card debt!!!
To pay off all our credit card debt and start saving money for our children to attend college.
To pay off all our credit card debt and start saving money for our children to attend college.
To be able to adjust my finances to be able to survive on my meager disability income.
To pay off a payday loan and be 1 month ahead on all of our bills!
Cut our eating out budget by half. Which basically means eating out once a week instead of twice.
Cut our eating out budget by half. Which basically means eating out once a week instead of twice.
The goal for my husband and I this year is to pay off our credit card because we have our first child on the way and are looking to start paying off some of our major debts.
to have my home paid off.
to have my home paid off.
to pay off some debt….not all, because I know that is unrealistic at this point :)
I would LOVE for my husband to leave the ranks of the unemployed, so we can start saving again…for our son’s education, remodeling that needs to be done, replace my 2002 vehicle…..I guess that is enough for 2012 to be realistic.
Financial goals: 1) Save enough money to pay for my son’s tumor surgery 2) Start a savings fund 3) Create a positive income situation 4) Have funds in our emergency/repair fund
Finish paying off our car this year.
Finish paying off our car this year.
Our 2012 budget goal is to pay off our mini van and to put money into savings account.
Our goal this year is to get rid of all of our revolving credit card debt.
Stick to our budget for once..especially now that we have a little guy to support and to look towards the future expenses for him! :)
I want to pay off one of our cars before the end of the year!
Our goals for this year are to pay down our mortgage to have it paid off in 3 years. Finish paying off our last two credit accounts. And finally not to pay more than $300 dollars a month for groceries.
To be smarter in spending/saving every week.
My financial goal for 2012 is re-invigorate my addiction to saving. Years ago I used to get so excited to put money into my savings account after paying my bills each month. It felt better than buying things. I want to get that feeling back.
Create a realistic budget
To be debt free and live with in our means! ; )
I would love to get on a budget and stay so I will not have to use credit cards between paychecks to buy necessities!
One of my financial goals is to reduce my student loan debt. Good luck everyone!
Would love to learn to make smarter financial decisions and plan for the future. It’s never to late to start!
To be able to pay off my husbands school loans, And to get our house paid off which we don’t have much to go. YEA!!!!
Pay off debt and start an emergency fund!
We have money going into places I’m not even sure what it’s for. So to get organized & then start to eliminating debt. Ohhh, that would be a relief!
Pay off student loans!
I hope to pay down as many credit cards as possible!
Our goal this year is to pay for a sizeable repair to the exterior of our home and also to pay off two debts.
After almost 25 yrs of marriage and several attempts to set up a budget, we are now at the point of no return. A couple of yrs ago we consolidated our debt into line of credit and kept one card for overdraft protection. Big mistake!! Just like Dave talks about, our relationship with money hasn’t changed so we find ourselves actually DEEPER in debt and no lifelines left. I am finally serious and have been laboring over our current budget (on a very irregular income) for the last 3 weeks, adjusting it and really coming to understand what it means to label every $ BEFORE it leaves my hands. Wow! What an eye-opener!! Our goal is to make a serious dent in our line of credit and pay off our one credit card. And our ultimate goal is change our family tree, so my children can learn how to handle money and so we can also really, truly bless them before they leave the nest. :)
My financial goal is to take the lowest credit card balance and pay it off then take the payment for that card that I would be making and put towards the next one to get that paid off and do the same for the rest of my cards so by the end of 2012 I should have them all paid off. Wish me luck…
My goal is to actually make a step in the right direction to get out of debt, and learn more how to do that instead of just talking about it and fighting about it every month.
To pay off my car and finally buy a home! :)
One of our goals for 2012 is to pay off some credit card debt that we incurred because of a move and just general bad decisions! GOD WILL BE FAITHFUL though!
To pay off some of my current school loans, save enough money to be financially at peace enough for me to continue on to get my masters degree and to be able to work less in order to focus on school
To get started saving for our kids college education.
To save enough money to go to school so I can make more money for my retirement.
We are planning on having our credit card paid off this year! I am so excited!
Pay off the credit cards and start saving!
We are going through the plan and it is working for us! I would give this kit to my brother & wife to use.
We are planning to switch to cash only!
To significantly reduce credit card debt!
to pay our late mortgage payments
I would love to actually be able to budget enoug for those unexpected things that come up like tires etc.. My husband was the budget man. Now I have to learn! I CAN do this!!! :)
Our financial goal for this year is to live within our means! And start saving more money in order to start saving more…. :)
to be able to get on a good budget plan for my family and actually stick to it. to be able to save some money and pay off some debt so i am able to quit my job and be home with my girls!
To have a wedding in September (my daughter’s) and not be owing for the next 10 years!
My goal for this year is to break even. We have gone through some incredibly hard times the last few years with my sons medical bills and my being in and out of work. It would be nice to be able to pay just one bill on time this year. I would love to try the dave ramsey system, but I can’t afford to buy it.
One of many financial goals for my family this year is to teach my children to become “financially at peace”.
My husband and I have had credit card debt for the past 3 years that seems to be going nowhere. Along with my student loan debt, medical bills from my delivery and daughter’s hospital visit, as well as two cars that we had to unexpectantly buy this past year we feel as if we are drowning in debt. Our goal this year is to pay off the credit card debt as well as the medical bills. I’ve always wanted to take Dave Ramsey’s classes but never had the money to do so.
My main goal for 2012 is to actually stick to my budget!
Our goal this year is to pay off our 2 credit cards.
Pay off our car and then add the payment to savings for our next one
I may not be able to get out of debt this year, but if I keep moving forward (and not backslide) that will be the best accomplishment I can make this year!
Just one of the financial goals for 2012 is to generate income to replace my “loss of income” due to becoming a SAHM. Transferring my accounting / bookkeeping skills to work from home opportunities. So far, we have a couple clients and hope to add another tonight.
One of our family’s goals is to pay off our vehicle loan and to teach our 3 year old how to “save, spend, and GIVE!”
My financial goal for this year is to reduce our debt by paying one bill off at a time. Hopefully I can get my mortgage paid off one year by doing this.
I would LOVE to pay off my student loans, And pay off my house. My oldest son will enter college next fall and i would like to help him as much as I can financially.
Our goal is to pay off credit card debt this year!
My goal is to pay off our credit cards this year and start saving for our children’s college.
We want to get rid of our debt so that we can get our Children in a Christian school. My oldest is being slightly bullied and so much Drama and not enough God in our childrens lives in Public school. For years we have been paying out more than than we were bringing in. Now we have that little bit of extra to start getting rid of the debt! We need that extra guidance to make sure we do it the right way!!!! Ready to make 2012 better than years past!
To pay off debt and build savings but making a budget that works!
I would love to get rid of our credit card debit I feel like I can do nothing b/c of bills and it completely stresses me out! I worry all the time. Not fun at all!
To delete our credit card debit and finally buy our “forever” home!
Our financial goal is to pay our home off and do some repairs. Decreasing as much debt as possible is something we work towards every day!
Pay off all our debt!
To be out of Debt and not feel like you are drowning each month, especially when the unexpected expense comes our way.
To pay off two of my three credit cards and start saving for our first home.
To be able to catch up on bills and actually save some money back.
My finacial goal for this year is to recover. We have lost a business and several jobs while trying to stand back up. This year we have implemented a budget and hope to communicate better about our speding and draw clearer lines between needs and wants.
To start cracking away at paying of my credit card debt!
To pay off CC debt and stop letting money control us.
Paying off those horrible credit cards is only GOAL for 2012
To pay off credit card debt and save 10% of our income!
Our goal is payoff our house and live on my part time pay.
To cut our household spending and start saving!
My goal is to get a savings going…it seems like every time we have a little savings, something big happens to eat it all up (car repair, new baby, etc.)
I plan/hope to pay off my credit cards and reduce my mortgage significantly. I also hope that my employment dilemmas can be resolved.
My husband and I do not have any debt but we would like to buy a house in the near future so we are saving as much as we can! =)
This year we are hoping to get our credit cards paid off!
We hope to pay off our 30 year mortgage in 7 years
We want to make and stick to a budget every month
We are paying off loans this year and doing really well with Dave Ramsey’s budget plan. Would love to win these books to teach a class at church.
Trying to pay off all credit cards this year!!!
Would love to use savings from couponing to save for and pay things off.
My goal is to get back on a budget and start putting money in savings
Our family’s financial goal for 2012 is to become financially healthy, to pay off medical bills, to have a savings account and to be able to save money to move back to California to be near family. Thanks for the chance to win.
Save money and offer financial assistance to my 77-year old mother who my father divorced and left financially dry after he swindled her out of her inheirtance.
To quit my job and become a stay at home mom – a true home economist! This will require a lot of organization because we have a LOT of debt to pay off!
Our financial goal for 2012 is to finish paying cash for grad school. 2 semesters down and 3 to go!!!
I would like to get out of debt this year and Dave’s program is just the ticket!
To increase my retirement fund
Our financial goal for 2012 is to pay down our debt (credit cards and loans) so that we can be more available for our daughter and grandchildren during her current military service and contribute more to retirement.
We hope to have everything but a mortgage and student load paid off by the end of this year
To get out of debt, AGAIN! Had to move across the country and that set us back after being out of debt for over a year. HATE to have debt, but are determined to pay of those credit cards this year!
One of my financial goals for 2012 is to pay off medical debt.
My financial goal is to pay cash for everything and follow my budget.
We would love to pay our house mortgage off as soon as possible…paying more this year!
Our family’s goal is to be debt free (other than mortgage) in 2012.
We have just been granted our financial freedom from God. Our debts were paid for us and now we need to know how to stay debt free and use our finances wisely. We have made a lot of changes over the past several years that have made us better consumers. Help us make the next step.
My goal is to have all of my credit cards paid off!
This year we plan to pay off our last credit card!
My 2012 financial goal is to budget enough to only have to work part time so I can spend more time with my children.
To pay off all our student loans this year!
save for a house!
Our family’s financial goal for this year is to increase our savings for retirement and cut down on our daily spending.
I would like to be able to start a colleg fund for my kids and to pay off my credit cards
Hopefully, 2012 will be the year we fully fund our emergency fund, which is hard to do!
to help my mom manage her money and not lose the house since my father just passed away
Pay off my credit card bill and work on building up my savings more!
Would love to see my family free from debt! We don’t have massive amounts like some, but it is enough to be a burden!
I’m currently trying to save up my emergency fund!
With children from college to preschool, it’s tough but our hope is to pay off all debt, except our mortgage…therefore leaving more money to live on
Our family’s financial goal for this year is to increase our savings for retirement and cut down on our daily spending, while putting a daughter though college :-)
We are paying down our Home Equity loan and hope to cut it in half – all while continuing to pay cash for everything and not using credit cards.
We want to pay off credit cards, build up savings and work toward being debt free.
Our goal is to payoff debt so we can afford better educationally for our three kids.
Pay off CC debt and start making a dent in overwhelming student loans
To pay off my credit card debt and have spending money each month. Hard being a single parent raising a child on one income.
Pay off my mortgage.
I want to increase my credit score, so I am able to buy a house!
We want to get our 4-6 months of living expenses saved up!
Our financial goals are to get out of debt!!! We’re almost through with the credit card debt which skyrocketed after a job loss that we weren’t prepared for then onto the student loans and car (per Dave Ramsey’s instructions through his Total Money Makeover book). We’d love to have FPU to help us attain our goals and possibly go on our first ever family vacation!
My goal is to try and undo all the years of financial mistakes I wish we had not made…need help SO badly…
We would love to pay down our mortgage even more! It’s our only debt right now.
With my husband going back to school, we are so ready to pay down debt. We are working hard to do so but I know that this kit would give us some valuable tools to support.
We hope to significantly reduce our debt this year!
Our goal this year is to buckle down and save to get our own house and to pay off some debt! We also want to budget more wisely.
We would love to start saving for retirement in 2012.
Our financial goal this year is to ‘put in’ more money than ‘goes out’ of our bank account. It would reduce so much stress for us if we could accomplish this.
Our goal is to begin saving for a down payment on a home so we can start a family!
This year, we hope to build our savings back up after adding on to our housr.
Our goal for 2012 is to increase our emergency fund from the amount of 6 months of pay to a year of pay if my husband would lose his job.
We would love to pay off our equity line.
This year, we want to reduce our debt, especially credit card debt, and also get ready to send our oldest child to college.
Pay off credit cards
pay off 2 credit cards this year
This year I am hoping to build a savings and try not to use it by the end of the year.
My husband and I are trying to buy our 1st home and we are working really hard to get our debt down and our savings up so that we have better financing options when it comes time. (While putting our oldest son thru college… Ughhh) But we can do it!!
This year my goal is to get all my medical bills paid off.
I would like to save more at the grocery store so that money can go to pay down on our mortgage allowing my husband to retire early
Our goal is to finally get a home for our 5 children. Pay off our student loans..
My goal is to become debt free so I can breathe a little bit!!
To up our savings by $300/month.
Our biggest financial goal is to sell our house! Once we’ve done that, paying off my husband’s student loan is next!
This year, hope to pay down some debt, and start rebuilding savings.
I am going back to college for my Pharmacy certification
I want to be able to buy our first “real” house this year… so, down payment, along with paying off the only debt we have, which is a car loan. AND, I want to be 100% debt free (includes house) in 7 years.
pay off our AMEX this year and so we can visit my family half way around the world debt free!
My goal this year is to budget well enough to buy a home and start a new chapter of my life.
to get our finances in order and out of debt
My goal is to pay off my school loans, learn how to save, and have a home of our own with my family..
I want to be able to move and buy a Farmhouse with some land!!
Save $1000
ONE goal is to get out of debt enough to buy a home!!!
Pay off credit cards!
We are having our first baby and contemplating buying a house, so financial help and advice would be great!
I would like to reduce my credit card balance to ZERO! I cannot stand having a balance, it ways on my mind.
Pay off my car loans
Our first Goal is to really learn how live on a better budget and pay off my Hubands truck.
I want to pay off credit cards! Need a plan of action.
We plan on paying off our credit cards and/or second mortgage.
We have been following Dave Ramsey for a while now and we got our CC’s paid off but are still working on other debt. It would be great to be able to take the course to learn more and get our car and student loans paid off!
Our financial goals for 2012 is to work on getting our credit in order. With job changes and unforseen incidents, our credit scores have dropped significantly. Also, to build an emergency fund and find ways to cut expenses to save more for our child’s future. But most of all, our biggest is goal is to learn to communicate more about finances to have a plan should anything happen.
First goa to pay off one of our credit cards. It’s the first step….and have many more to go.
To work toward better budgeting and planning with our money! Thanks!
We are building a new home this year after years of planning and working to get to the point that we can. We are almost done with baby step 2 and are close to all debt (besides the mortgage) being gone! Breathing is easier now and we look forward to it being effortless!!
We are close to our Debt free goal so hopefully be Debt free and have our Emergency funded with 6 months of expenses.
I would like to get rid of credit cards and get my car paid off. I’m tired of worrying weather or not I will be able to make my monthly payments are not. I would like financial freedom! Comfort knowing there is a light at the end of the tunnel…knowing the struggle, now, is so our future will be financially stable…for our children.
I would to get out of debt. Money is the one place where my marriage has problems time after time. I have be couponing but my husband still says we r low on money.
Our goals for 2012 are to be free from debit. We need to pay off our card and car and all we would have left is the house payment! Would love to start paying for things without using credit!
my goal is to get out of debt by 2013 so i can be a stay at home mom! we just got done paying off my car & my hubbys so we are using that money towards are other debt. my poor hubby has been working 2 jobs over 80hrs a wk to get the cars paid off so it would be nice to get out of debt so he doesnt have to work 2 jobs & i ca stay home with the kiddies!
Working towards lowering everyday costs by using coupons, eating at home, homemade etc. All debt is gone (other than mortgage), now just saving saving saving!!
One of our goals is to cut our food bill in half!
Financial goal is to be CC debt free
Our financial goals for 2012 are to pay off credit card debt, stop using cards altogether, pay my husbands truck off, and build up an emergency fund. :)
Our goal is to save more money and pay off my car!
Would love to pay off student loans!!
My financial goal for 2012 is to pay everything off incl medical collections and have money in savings and stick to my budget!
Our goal for this year is to learn how to keep away from those financial pitfalls, stay out of debt, and to manage our money betterWe have been on a debt management program for the past couple of years. It has been great to be free of all of the credit cards, but we are still struggling. Our biggest fear is once we are through with our debt management program we will return to our old ways. We have heard about Dave Ramsey and his financial advice. We have been wanting to take the course but can’t afford it. This opportunity you are providing would be a huge blessing to anyone of us who are hoping to win. Thank you so much for this chance!
Pay off all of our credit cards, auto loans and start paying down our mortgage. Ready to start living not just existing :)
My goal for 2012 is to convince my husband how much better off we would be without credit card debt!
Love to learn the best way to manage our money so I can continue to be a stay-at-home mom because we have a child with special needs and his therapy and medication bills are creeping up.
To budget effectively, so that I can save for money for traveling.
Financial goal for 2012 is to save for a new used truck for my husband!
Our goal for this year is to pay off credit card debt and build our savings again.
Our Family Goal is to fix our budget so we can start paying off student loans. My personal goal is to save money to buy a new (and GOOD) vacuum and pots and pans.
Can my financial goal be to not buy formula and work at breastfeeding instead? I know that’s not fully in my control, but it’s what I’m hoping for!
Start saving money for emergencies and for the future.
Recently engaged, I would like to get and stay on budget going into a new lifestyle.
We have been trying quite some time to get out of debt. However, it seems like something always comes up to deter us…My goal is to be diligent and steadfast in our climb!
We hope to finish paying off two student loans, then we will be down to just our mortgage!
We are expecting twins any day now, and so, I will no longer be working out of the home. We would love how to learn the best way to live off of one income while still paying off debt we owe.
To pay off 50% of debt…
My financial goals would be to focus on tithing regularly, commit to a budget which includes money for paying off my one credit card and student loan debt from law school and also for fun stuff!
To learn how to manage money and start paying off debt.
I actually have two. Build a 3-month emergency fund this year (6-month is aggressive so baby steps!) .$60 per week grocery budget for my family of 4.
My goal is to get out of medical debt. My husband and I have had a really difficult year this year. First, I my husband had a stroke at age 48, then I had a complete hyserectomy and 2 weeks after that my husband had a TIA and the list goes on, therefore my goal is to get medical bills paid asap!!
My fanincial goal for 2012 would be to pay off 40% of our debt!
Finding a way to save more to give more and teaching it to others. We have so many homeles students in our area. I want to find a way though better money mangement to help these kids with thier basic needs. I’m so proud of these kids for staying in school and fighting the odds to graduate.
I’d like to pay of my student loans.
To pay off 5 of 8 credit cards remaining…
Start saving for retirement
My goal is to find a budget my husband and I agree on and then stick to it in order to start tackling our overwhelming debt!
My goal is to learn how to budget and manage my finances in general since I’ll be getting married this year!
I was widowed when I was 31 with four boys all under the age of 7. I have struggled to keep us in our house. I’d love to put Dave’s knowledge to use so I can pay off my home and pay for college. I’d also like to be able to teach this at our church.
To pay off credit card debt
Our goal is continue to stay on budget, which is difficult on only one income right now.
My financial goal for 2012 is stick to my budget and work hard to save for a house.
save more
Our financial goal for this year is to build our emergency fund back up.
Our main goal is to get out of debt as soon as possible, its going to be real hard, but with the Lord’s help we can do it. A Dave Ramsey kit could help too! ;) Thanks
My goal to to save for my wedding so that my parents do not have to pay
Our goal is to have our signature loan and my car paid off before our baby is born in August :)
My goal this year is to give the Lord the 1st 10% of everything, trust in His blessings to payoff cc debt and be more financially free as a single parent.
With 3 children and a husband in college full time out budget it very tight. In 2012 I would like for our family to be able to save at least $1,000 for an emergency fund.
Our financial goal for this year is to pay off our credit card debt.
Our goal is to get out of dept soon, not to be dependent on Credit Cards and to save more money for our future.
My fiance and I have a goal to become financially stable, by saving more and sticking to our budget.
My goal is to save money for our baby girl who will be arriving April 2012 :)
My biggest financial goal is to pay off our credit card debt that we’ve been holding onto for a few years. I’m ready to be done with it once and for all!!!
We would love to have another baby (number 3!) but we need some extra money to pay cash for a minivan.
To continue climbing out of debt and build on our retirement savings. Our 2012 goal is to continue paying cash for everything, pay off our credit card debt, while putting our youngest daughter through college.
Save more!
I’d like to learn to budget better and then be able to pass that on to my children so they have that skill in the beginning of their lives rather than later like me.
We would love to pay all our credit cards and be able to take a great vacation this summer!
I am getting married this year and as a child of avid Dave Ramsey followers I have been instructed to complete Financial Peace University before the wedding! We both have student loans out already and need serious financial direction to begin our life together!
We would love to pay off my student loans and car this year so we could provide better for our child.
My 1st goal for 2012 is get back using our budget. We no longer have any credit card debt, and I want to get rid of all installment loans this year.
My goal is to pay off debt and then save one month’s salary for an emergency fund.
My husband and I would love to attend this. We’re frequent listeners of his show, we’ve read his books and this would be a great way to help us stay accountable.
We had just pinky-swore to restart our baby steps..and we found out this weekend we’re due with #2.
Murphy has quite a sense of humor!
To learn how to effectively use ynab to budget and track more effectively!
Our goal is to pay off our car this year!
I am disabled and want to be able to pay all of my medical expenses.
My goal is to pay down some of my credit card debt and get back on track with a focused budget.
My goal is to improve my credit score and become a homeowner in the 2012!
My goal for this year is to start making an extra payment every month towards my mortgage in order to have it paid off by 2020.
2012: to be consistent in paying down my debt
Payoff student loans, sell house, save a little.
I want to get out of debt and to be able to paid for my daughter’s college without worrying.
My financial goal for this is to pay off my student loan so we can start working on the credit card debt!
As a Mom of three, I really would like to pay off all credit cards, plan for retirement, and make a plan for putting our kids through college.
Pay off credit card debt.
2012 Goal = Maintain progress toward debt freedom and increase savings to at least 30% of income
My new husband and I (married 9-10-11) are saving to buy a house in six months!
Our goal is to get our finances in order for our retirement by saving as much as we can.
2012: I would like to start paying down from student loan debt.
Continue to save and stay within out budget!
I would like to get away from the high interest debt that I acquired in my early twenties and start saving for my son to go to college and honestly I am running out of time. He will be on his way in 6 years and our local university gave me their price per semester and I was completely blown away.
Stop living paycheck to paycheck!!!
To pay off credit card debt so we can work towards paying off our mortgage!
Have a savings account
Pay off all debt so that we can be debt free!!!!
Get out of debt.
To save $3k towards a first house!
Saving for my daughter’s wedding in 2013
I would like to save money to take a family vacation.
My goal is to double house payments each month.
pay off debt, start saving
Our 2012 goal is to tighten our budget so we can set up emergency funds and savings.
My goal for my family is to pay off the credit cards, student loans, and personal loans that we’ve taken out just to make it from paycheck to paycheck. I would love to be able to have fun with my 3 small children, instead of always telling them “we don’t have the money right now.” They’re only small for a little while.
I just finished reading Total Money Makeover, I’ve set up my budget on Dave Ramsey’s website and I’m working toward my $1000 Emergency fund. Next is to pay off my credit card by next January. Then on to 6 months income in my savings account. I’m so excited to now be in charge of my money!
Stop living paycheck to paycheck and not work 2 jobs!!!!
So I could be debt free. and start saving for a new house.. I have four little ones this would be a big help…
To not live from paycheck to paycheck, especially with unexpected baby #2 on the way :)
One of my goals is to pay off my car so that I can put that extra $300 away to start my emergency fund and be able to stay out of work for at least 5 more months so I can be home with my daughter. I am a single parent and quit my job because my kids were raising themselves because all I did was work.
adjust to living with a house payment and learn to budget for renovations! Hopefully start tackling student debt!
To have a good emergency savings maintained for the whole year and pay off at least one third of our credit card debt
One of my goals for this year is to get my last store credit card paid off and work on my budget.
My plans are to get a job and with what I make, pay off all our credit cards!!!
to build our savings back off after our last child has graduated from college.
My goal is to avoid going further in to debt and get one of our credit cards paid off.
To start another 529 plan for my new daughter who will be here in April!
My husband and I just created our budget last night. He wants to go to school this year and get his professional certification, so we’re saving for that while paying off my student (and other) debt.
To get rid of our credit cards. I was shocked to fin that we paid over $600 in interest alone (no late fees or anything) last year for our 4 credit cards.
We have struggled over the past 3 years with the economy and my husband’s business. My goal in 2012 is to begin reducing debt.
i would love to learn how to be better with our money. I am a stay at home mother and love every minute of it.
To pay off my student loan debt!
To build up our emergency fund.
our goal is to get completely organized and “on the same page” with our finances!
To buy a rental property!
Put one of my two paychecks directly into savings while living off my husband’s.
to pay cash for most of the building of our new house
We want to create our emergency fund.
My goal is to become debt free and no longer be a slave to my lenders!!
My husband is working hard, and extra hours, to pay an extra $500 per month towards the principle on his bass boat which will free money up for us to pay extra towards our mortgage principle. We are living paycheck to paycheck but trying hard to get our debts paid off while still giving to our church.
My financial goal for 2012 is to pay off enough debt that I can be a stay at home Mom!
We want to pay off debts and actually stick to our budget, which may be possible thanks to couponing!
I went through FPU classes with mt husband and we are now debt FREE. My husband year before last took advantage of Dave’s book sale and bought $20…then have them out to help others. If I were to win, I’d pass on to help someone else. Being debt free has allowed us to live a less stressful life.
My financial goal for 2012 is to pay off enough debt so that I can comfortably send my daughter to college after she graduates high school in 2013. Paying off my car is a top priority!
My financial goal is to save enough for an “Emergency Fund” and be able to furnish my new apartment this fall.
I would love to find better ways to manage cash flow. We don’t have a lot of debt but making it from the 1st to the end of the month without stressing the last week or so is getting old……
To get credit cards out of my life!
My goal for 2012 is not to lose my home as I am on Social Security and recently lost my husband.
To save enough for an emergency fund and a dinning room table
Pay down the credit cards and take my children to see their great-grandmother in Canada.
My financial goal this year is to get completely out of debt and begin saving for an emergency fund!
My goal is to get rid of my credit card debt!
Saving for a used(new) vehicle for husband whose truck has about had it.
We want to have financial peace and security. Something we have been struggling with fir a while now. This would be a blessing.
My financial goal this year is to continue paying down the debt on my home so that I can own it some day, debt-free!!! Yippee!
To eliminate my student loans. I need to work full time for that to happen in 1 year. So until then, while working part time, my goal is $22,000 this year on top of my regular monthly payment.
I so need help in getting me and my family out of this mess we are stuck in. We have been married for almost sixteen years and we have been over our heads for about ten or more of those years.. We need to make life changing habits but just don’t know where to start. We would love your help. Our financial goal for 2012 is to finally start the process of becoming debt free.
To pay off as many bills by the end of the year. Starting with the smallest and working up to the big ones!
I would like to set a budget and stick with it! Baby number two is due in March and we really need to do this.
pay down school loans!
My financial goal this year is to reduce our debt by using our tax returns to pay off the high interest loans we have.
Our goal is to live on one income so I can be a stay at home mom!
To get rid of our last credit card and start saving for a deposit on a house.
Pay off the debt.
To pay off all debt, including house in 9 years.
My goal is to be as frugal as possible, buy only what we need, and help others.
We just need to get started on a budget. Like someone said earlier, we have so much we need to pay off and just need a starting point.
My Husband and I just started a business, so our goal is to be successful in making our living doing what we love. We want to eliminate the past debt so that we can move forward with a clean slate.
Our Financial goal is to continue with our debt snowball….and keep our “Gazzle On”.
I want to be able to live within my means, so that I am not constantly stressing about how to pay for the unexpected…like a new hot water heater.
I want to save more money this year.
Financial goal for 2012… to put a huge dent in our 2nd mortgage….
would love to get out of dept (of course) and help everyone that i can that touches my life, pay it forward
I want to save $10,000 to complete the adoption of our child.
My goal is to pay off every last credit card and start a Roth IRA.
We would like to pay down our debt so I can go to school.
One of our financial goals is to continue paying off our house. yay…
I am going to watch more of what i buy online and in stores. anywhere from a cup of coffee at starbucks to that cute dress that i can’t keep my eyes off. every cent counts!!!
To get rid of my credit card debt
Pay off my jeep!
To pay off medical and credit card debt! We also have a goal to stick to a budget so we can show our children the best way to save, give and spend!
refinance a loan that is a variable rate to a fixed rate one and work on paying it off!
My husband and I are trying to pay off our debt (which not bad for being in our 20’s and newly married 1 car and 1house thats it). We would love to have Dave Ramsey’s training to help us get these paid off faster.
I would love to put more towards a college fund for our three amazing little blessings!
Find a new job and pay off the rest of my smaller loans!
Reduce or eliminate our credit card debt.
Support a missions ministry in Uganda.
Hi! One of my financial goals for our family in 2012 is to be able to get a handle on living on one income again. By learning to coupon, menu plan, and search local restaurants for kids eat free deals, we have already been saving, and its great! We decided to take the plunge, and our income reduced significantly by having me home, but we are learning to live more simply. I am already a frugal person, but this has been extremely hard on my personal “balance”. My goal is to not only save money, but to free up some time as well. I am confident I can achieve this goal! With the abundance of resources we have alailable, I plan on using the baby step approach. Financial freedom is worth the sacrifice and would be so incredibly empowering!
My wife wants to be a professional photographer…pay debt so she can go back to school.
To learn to utilize the tools in our lives to create the plan that will lead to financial freedom and stability to provide our family with a home we can call OURS!!!!
I am a single mom with a lot of debt. One of my financial goals is to reduce my debt so I can finally get back on my two feet again.
For two thousand twelve, my husband and I are trying to sell our house and either build or find a fixer upper so that we can be completely debt free. We’ve heard a lot of good things about this course and i’m sure it will be really helpful to help us reach our goal.
To have 3 to 6 months of expenses saved up.
Our goal is to pay off my car and we will be car payment free for the first time in 10 years.
To learn how to create a budget and STICK to it!!!!
My goal is to pay off all of our debt and start saving so we can pay cash to have our first home built :) Also to start saving for college for our unborn child
Our goal is to pay off the cars
One of my goals is to plan and pay for a wedding without charging all of it!
Recover our savings that was depleted after my husband had to have surgery last year and was out of work for 6 weeks.
I would love this!! We are adopting, hopefully in 2012, and our goal is to pay cash for our adoption. We sold a house and purchased a much smaller one with cash in order to help us! We, too, LOVE Dave but have never taken FPU!!
HOORAY! I am counting my blessings one by one and trying hard to have an abundance of patience….Anticipating saving the most money I have ever saved before! That is in the year of 2012. My son said, Mom we need to get a house…He’s 13 and told me he is going to get a JOB! The tears were flowing of course not in front of him….SO today I almost stopped at McDonalds for a kiddie meal yeah we Mom’s do it but 2 miles from home so I went straight home and made a banana sandwich…Best I ever had! My family is made of 2 and I being a Mom want to provide just like Mom/Dad do! I work really hard and I am a firefighter and we’ve taken heavy paycuts lately. SOO save save save the little amounts for the downpayment so I will one day have something to pass on to my family. I LOVE SOUTHERN SAVERS! THAT’s A BIG BLESSING!
My goal for 2012 is to have pool installed in my home, so that I may be able to do water therapy. I was diagnosed with MS in 1981 and would like to keep as much movement as possible. Unfortunately ,I’m almost a quadrapalygic.Show text statistics Save as text file Print text Convert selected text to upper case Convert selected text to lower case Select entire text Copy selected text to the clipboard
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unfortunely unfortunately
to get out of debt and pay for college
To get out of debt! My son, who is 16, wanted to sign up for this class at church. Problem is, he has school, a part-time job and will be in the school play. Not much time this year – hopefully I will win it and it we can study it together.
To eliminate debt and be more consistent in establishing a savings account.
My goals are: #1 get out of debt….#2 save enough to do fertility treatments so we have the possibility to have children.
Our main financial goal is to pay off our vehicle loan early and then take the money for that monthly payment and put it toward our too high credit card bills. Our hope is to have all the credit card debt erased in a year.
My wife and I would like to pay off student loans to grow our established emegency fund this year to ensure our safety in these tough economic times.
My goal is to buy a bigger house because I now have too many kids for the one I’m in! :)
I have really started to focus starting this year on getting my life in order! I can’t do it without the Lord’s help and the Godly counsel of someone wiser than myself!! I am excited about getting my finances on track, and plan on being able to get financially fit so I can help others like I want to! Thanks for the chance :)
To get my Disney Visa card paid down!
To make up for all of the mishaps that have happened to us (medical issues/job losses) and the mistakes we made ourselves and get back on track, into a better financial future. thanks for the great opportunity. Karen
My goal for 2012 is to stick to our budget. We will be debt free in about 6 months!!
Our immediate goal is to reduce/payoff pur credit card debt. Then, we are focusing on building our personal savings and starting education savings for our kids.
Our goal for this year is to become financially stable and buy a house and to pay off those credit cards :-)
We are working on a cash on system to pay off our student loans!
My goal for 2012 is to pay off my divorce attorney and get my credit score in the 600s (its in the 300s right now) HUGE goal and I need financial peace to get there!
generate some income with my new law practice and be more diligent about tax accounting during the year!
One of my financial goals for 2012 is to pay off 3 credit cards.
One of my goals is to find new ways to save money.
SAVE MORE. SPEND LESS.
Our goal is to be debt free, other than our mortgage, next month! Then we will start on baby step #3. We’ve been on Dave’s plan for the past 2 years and are huge fans!
I am being more fiscally responsible by taking my lunch to work two days a week and cooking more at home.
I just want to get college funding lined up for my daughter…she deserves to get to enjoy college life.
I plan to save up to pay my education
Our goal this year is to payoff our credit cards and build up our savings and add to our kids college fund.
Financial Freedom!
My goal is to have my income outlast my bills
to stop the stupidity!!! we want to be weird.
To be better stewards of the money God entrusts us with.
Background: Got Divorced 2/9/11. Bought a house with minimal down and bought high end Washer, Dryer, stove and frig on credit. Appliances paid off.
Plan, not goal because I will do it, pay off credit cards ~$10,000 and pay a mortgage payment twice a month.
Finish paying off our truck so we can start saving more for a house we want to buy in 2013!
to pay off half our home equity loan
To figure out how much needs to be saved monthly/yearly to retire early.
In 2011 our world (my husband, me, and our two kids) was turned upside down with the loss of my job, moving to the East Coast, racking up medical bills without insurance, cashing out my retirement plan, and both of us wrapping up the end of the year with new jobs… In 2012 my husband and I are focusing on putting 2011 behind us and rebuilding our financial goals, once we get out of this hole of debt we’ve dug. ;)
My financial goal is to actually learn how to set up with a budget, stick to it, use more coupons- that I learn about via Southern Savers, and save!!!!
To get out of debt and save more
Pay off the credit cards and save for a house.
Our financial goal for 2012 is to replace our 1994 Altima which has over 340,000 miles on it, with a new to us vehicle and pay cash for it.
Get a rainy day fund stocked!
One of my goals is to start saving a predetermined amount each month instead of what is just leftover.
My goal for 2012 is to get rid of the debt we have (way more than I’d like to share!!) and start a college fund for my son. By 2013 we’d like to be completely debt free!
Our financial goal for this year is to get married and pay off some of our debts so that we may send the kids off to school without worrying of how to pay for it.
Financial goals: Get rid of school loan and have 2 extra mortgage payments!
Got 2 year old twins and living on just my husband’s income! We could use a little financial peace!
To pay off all our old debt
To get out of debt!
Trying to get out of medical debt and one of our student loans!!!
My goal is to pay off my student loans, credit cards, and take off work to travel with my sons.
We need to get our emergency fund built up! :)
For this year, we need to pay off my husbands medical hospital medical bills, my dental bills and replace savings which we had to dipinto to pay for an outpatient surgery for me.
We love Dave Ramsey and are hoping to be able to share his ideas with some young friends of ours. Thanks!
Love Dave Ramsey!
We are debt snowballing at our house.
First goal is to re-establish our emergency fund – three emergencies in a row from October and November killed it. Also, we are hoping to pay off my hubby’s student loans by this summer.
We LOVE Dave Ramsey! In fact, he has helped us out tremendously, but we still have a LONG way to go before being debt free. We recently moved to Knoxville and purchased a house, so now we’re trying to rebuild our savings. We paid my car off in December 2011 and now we’re working on my husbands, and we have student loans to finish up in 2012, then comes the house ;)
This year’s goal: Get a job with a high enough income to make enough to pay the fixed expenses and overdue bills, sell our house and downsize, moving closer to our children.
Love Dave Ramsey! We will pay off our main family car in 2 more months! Then, we will use this money each month to start paying off some other debts. We would love to be debt-free and lot more stress-free!
Our financial goal this year is to pay off our credit cards.
2012 goal. Get out of debt & start saving money so that we are not always worried about trying to survive till the next paycheck
My husband and I are newly-weds and still trying to manage living on our own. We just want to be able to start saving on a small income and help ourselves budget for this new year.
Thanks for the giveaway!
We would love to take this class and learn all we can about getting out of debt and saving more.
2012 goal is to get out of all credit card debt and finish my emergency savings fund
attack my student loan – we won’t finish it this year, but hopefully we will make significant progress!
This year we are trying to finish paying off our car. It’d be nice to NOT have that car payment every month!
My husband and I want to have a second child but aren’t sure how we can manage the expense of another member of our family, a vehicle big enough to fit a growing family and day care on our income. We are looking to take this class starting next month at our church.
To get out of major credit card debit.Plus learn how to spend money wisely due to pay cuts and no health insurance.
brendadancemom@gmail.com
One financial goal I have for 2012 is to contribute to a savings account at the beginning of every month and not waiting until the end of the month, when there is no money left. I have also been taking my lunch everyday to work and have saved about $50 in just two weeks from doing this.
To pay off the credit cards
We have gotten serious about saving the goal is to put 40% of our monthly salaries away each month…so lots of couponing for me..no dinners out
Last year we met our goal of paying off our mortgage (did it in 8 years!). This year’s goal is to add our mortgage payment to our retirement funds.
We are making many of our meals from scratch. For instance, buying bulk dried beans instead of the canned. Healthier and less expensive. Also, juicing winter citrus and freezing it in the ice cube trays so we have it in the summer.
To find some peace in this out of control situation.
As a newly wed, I would like to manage our money a lot more effectively in 2012. We’ve been having issues like running out of our money for the month and small argument of paying bills, etc. I literally need the financial peace and I hope the kit helps me and my husband. Thank you for your consideration.
Our goal is to pay off our house ASAP. This means living off only one of our salaries but will save us TONS in interest.
I would like to end 2012 with far less debt than I have begun 2012 with.
We want to stick with a budget and save for a new car that will be needed too soon!
Please pick me !!! I need all the help I can get!!
We have some serious financial difficulties and could use all the help we can get. We are operating off of one income and have more bills than we can handle.
2012 goals are tackling small debts first to put those payments Ive made on the big debts to knock ’em out. I look forward to shouting one day that “I’m debt free!!!!”
Add to my emergency fund!
My family’s financial goal for 2012 is to budget for Christmas!
We want make a budget and stay with it to put money aside to add an addition to our house.
I have been a single parent for 23 years and have finally found the man of my dreams. We are engaged and want to get married this year but we are both living paycheck to paycheck. He is on disability and I work full-time. I would love to be able to set aside a little money to have a small wedding and a very small honeymoon but still have enough money to pay necessary bills. I would love to learn how to effectively manage my money and to finally be able to save money instead of being late on bills every month. Thank you for considering me for this amazing opportunity. Sandra
smgower@sc.rr.com
Rebuild emergency fund
I want to plan my wedding and pay for it in cash.
My husband and I are sick of living paycheck to pay check and dipping into savings for extras. It’s time for a change.
My husband wants to go back to school full time. That means only my income and perhaps some student loans. Not sure how we are going to swing this and could use some professional advice.
We live IN the Sandwich generation- elderly parents live next door but have to choose between medicine, food, and mortgage, so we pay what we can to help. And now daughter, fiance and future grandchild have moved in with us so that we can help them save to become financially independent. And we have NO savings and live paycheck to paycheck!! We NEED Dave’s help to do this. HELP!
I would love to reduce my credit card debt so I can put my children back in Christian school!
My financial goal for 2012 is to learn how to save for investing. I hear if you budget correctly you can save without feeling it drastically.
Would love to be debt free!!
Our daughter is getting married this year…..we want to pay for it with cash and stop living paycheck to paycheck.
Help my son to get a job with insurance so I can save this money for retirement.
Decreased from a 2 income family ($100,000 year) down to $52,000 year HELP! Not sure how to live on 1/2 income..
To stick with a budget!
I am a single mom, self-employed at that. I have two great daughters that I would love to get set on the right path of financial freedom. I have never been able to get child support from their dead-beat dad so I am needing the tools to get myself set on a path to having a retirement fund. My oldest daughter is going to graduate high school next year and is wanting to go to orthodontia school so that she will never have the financial struggles I have had to endure. Please give my family great consideration when making your decision. Thank you and God bless!
My financial goal for 2012 is to get my husband to participate in the finacial peace university so we can go through the journey of being debt free together.
I am a newly single mom of a 3 year old son. I was left with a mortgage, all the household bills and the two pets we have to care for. I am doing everything I can to keep this house and keep my son’s life stable so he is as unaffected by this as possible. I would love to go through the program to learn more about managing debt and budgeting to help me in the process! I come from a long line of poor money managers, so it’s a struggle! Southern Savers has helped me greatly in this endeavor :)
Thanks for offering this giveaway and doing everything you do to help moms like me!!
My goal is to get out of & stay out of credit card debt this year, & ever more
We’re getting married in May of this year, and we’d love to grow our marriage by learning how to cooperate financially.
Pay off unsecured debit!
My financial goals for 2012 are to pay down my student loans, save money to purchase a home and help my husband start a business. I woud also like to have at least a years worth of salary in savings.
Finish our 3-6 months emergency fund!
One of my goals is to pay off my MK debt.
I have already cut my grocery bill by about 40% this past year but I plan to make that 60 % this year. I also plan to cut my electric bill by 20% by replacing out current light bulbs with the money saving bulbs and turning the temp back about 3 degrees.
After losing my business and home, my goal is to begin again keeping in mind that any step forward is important even if it seems small. I would like to begin again with more structure and learn so I can teach my children.
We would love to pay off our car loan one year early.
I want to pay off medical bills!!
I want to pay off my credit cards debt and save enough money to pay cash for a automobile that I sincerely need.
My husband and I plan to pay off both our credit cards and one car before next year
Our first financial goal was to cut $500/month in expenses. I checked that box last week, and am now working towards paying off the first credit card. :)
I would love to pay off our credit card bills and car so that I can start saving each month for my sons college education.
My financial goal for 2012 is to get rid of the $24000 of debt that’s before me! Give me the tools that teach me how to “…live like no one else, so that later I can LIVE like no one else”!
In 2012, I plan on paying off all of my student loans and I just graduated in May 2010! My fiance and I are also getting married this year and we will be paying off our car loan and purchasing our first home together!
I want to be credit card free, so I can start chipping away at that mortgage!
Get debt free!
Be financially savvy with my photography business.
We would like to pay off our credit cards and be debt free for life
My goal for 2012 is to pay off debt and start saving more.This mixer could help me alot by allowing me to mix ingredients faster for my 2nd job,baking and decorating cakes from home!!!!
to reduce our debt and save for kids college fund
To get our credit cards paid off so we can get rid of the car loan and student loans…. Also, to start saving more since we’re having our first child in April…
To maximize use of coupons, spend less and save more!
To give more away.
What a great giveaway! This would be so beneficial for the new year!
Brandi(dot)Mazur(at)gmail(dot)com
Cut our debt in half by the end of the year.
I want to get my house paid off and get ready for retirement!
One of my goals is to avoid eating out more than once a week and use the money I save from that (which is not excessive but every penny counts) for things and activities that really matter (including savings account). When we eat out, the money is spent with nothing to show for it.
Get rid of my unsecured debt and manage my limited income more effectively!
To spend $200 dollars less a month on food!
Hope I’m not too late! Our first of many financial goals this year is to pay off our credit card!
Our goal is to get half of our remaining business debt (on credit cards) paid off this year, and the last half paid off in 2013.
Our financial goals for this year include paying off existing medical bills, IRS, and a truck that has been haunting us so that we can begin paying off my students loans next year. Gonna be tight since I don’t exactly make the most money as a teacher, but we are determined to do better so that our girls can have a brighter future.
Our goal is to pay off 2 credit cards and ncrease our savings ten fold.
My goal is to pay off my car.
I want to be able to say, ‘I’M DEBT-FREE’! What a good feeling that would be!
Prepare for our and our children’s future!
Our goal is to pay off our car.
My biggest finicial goal for 2012 is to pay off the mortgage on my second home!
I want to be able to pay to send my 17 year old to college
My husband and I started this in October!! We are 4 months away from being debt free!!! That is my goal this year!!
We are eating out less and cooking at home more…that helps us put money in savings
I am graduating from graduate school this coming May and I am currently trying to prepare for the “real world”. So one of my goals is to be out of all debt within 3 years.
I’m getting completely out of debt and will be investing for my retirement so I can retire
My financial goal for 2012 is to become better with coupons to help save my family more money.
I am keeping better track of our budget so we can save money!
To melt away the debt snowball!!!!
To start our debt snowball rolling and battle this mountain of debt!
To pay off my home.
Our family goal for 2012 is to be faithful stewards of the resources God blesses us with. We want to experience the freedom and peace of not being tangled in debt,
Excited to get start the new debt free way of life!!
My top financial goal this year is to have all my commercial debt paid off!! I love Dave Ramsey and his financial advice is so easy and makes so much sense!
I want to set a budget and pay off some debt!
Definitely want & need to consolidate credit card debt. By doing this I will be so much happier doing coupons because I will truly feel the savings & not thinking it’s going to interest on those cards…ugh! I’d also love to take my girls to the beach for a few days. We didn’t do a vacation last yr due to debt.
To pay off my credit card debt.
Pay off mortgage, credit card debit and tackle student loans…geshhhh too much….
One of my fanancial goals is to get together a savings fund in case of an emergency.
My finanacial goals this year is to learn how to invest money. As well as pay off all debt.
I’m starting that class next week!!! I can’t wait! I want to pay off debt then focus more on helping others in need/charities.
Just started couponing, My goal is to cut my grocery bill in half!
One of my financial goals for 2012 is to get our credit in line so we can buy our new house!!!!
Pay down our mortgage — chipping away at it!
1) To start a good pattern of financial management for my kids. 2) Figure out how to save for desperately need car and kids education 3) Get out of debt as soon as possible, since I now have job after 3 longs years. Thanks the lord (and southern savers for teaching me how to stretch a dollar).
My financial goal this year is to learn how to pay off debt and start saving as we start a new family in June!
One financial goal for 2012 is to rebuild our credit and to spend wisely.
One of my goals this year is to have my children actively saving and giving to the church as part of their allowance.
Our financial goal for 2012 is to pay down all of our credit card debt and to start paying our mortgage down.
Would love to payoff our debt this year and buy a house! That’s going to a big undertaking for us but we are ready to be DEBT FREE!
One of my financial goals this year to get on a budget so we know *exactly* where the money is going and we can pay off my van and then the house.
My goal is to clear up debt except the house, for now
One of our financials goals is to make progress on our debt and actually build up a savings and not live paycheck to paycheck.
To pay off our last credit card
To prepare the budget each pay period before any money is spent.
Our family goal is to get everything paid off except our house at this time.
My goal for 2012 is the same as last year; loose weight and pay off my credit cards except this year and want to actually succeed.
My financial goal is to pay off all of my credit card debt! It would be a huge weight lifted off my shoulders to be able to do this!
My goal for 2012 is to pay down debt and establish a true savings plan for our future
Our goal this year is to pay off all debt except our house and build an emergency fund.
Our goal is to pay off all medical bills and debit including student loan, create a food supply closet and save for an emergency fund. We are also saving for the birth of our second child.
Our goal is to get an emergency fund in place and to pay off all credit cards.
Our goal for 2012 is pay off our van and save for baby #2 with good budgeting strategies and STICKING to it ;)
I am determined to pay off my medical bills and build an emergency fund this year.
I would like to recover the credit I once had and pay off credit cards.
Increase our savings and refi on our house to save money.
To complete my debt snowball and be debt free.
One of my financial goals is to pay off my last credit card! When I get that done I’ll start adding to my money market fund.
I plan to prepay the next month’s mortgage principal every month (in addition to the regular monthly payment).
My goal is to pay off credit cards this year!
buy a house!!!!!!
My husband and I would like to pay off all our debt. Then we would like to be able to build our dream home with cash not by financing it.
My husband and I want to be better stewards of our money and pay off our debt so we can save for college for our four sons.
Our goal for 2012 is to begin budgeting by tithing! When we tithed faithfully, it always seemed that the money was always there! Hmmm, we were putting God first in our lives and everything else fell into place! Go figure!
Our plan is to stay on a budget and pay off as much debt as possible so that we can live like no one else.
My goal is to learn what to do with the money I have so I can use it wisely.
We are reading Total Money Makeover and have completed step one and have started steps two and three. After making our debt snowball and saw on paper we are $97,000.00 in debt we were a little in shock. Our goal is to be debt free in 18 to 24 months except for our mortage.
We are trying to refinance our house to lower our house payments and our goal is to first pay off my husband’s truck and then to start working on paying off our credit card debt.
We want to pay cash for our next vehicle this year!
My goals are to pay off all debt. (medical, credit cards and mortage)and I want to save for a emergency fund and collage for the kids. Being a stay at home mom with one pay check coming in the house hole its going to be hard.
We want to position ourselves to hear God’s call. We need to be financially ready to respond to whatever it is He has planned for out lives!!
pay off 1 more CC
We have 2 credit cards that we want to get paid off as well as 2 car payments! I’ll take any help I can get!
We own our Auto Repair business. Due to the slow economy I’ve just had to lay off my only employee. It was either pay my parts suppliers or my employee. I want to get my head above water again and pay off my 2 business credit cards. It is so stressful to live week to week. Thanks for listening.
We own our Auto Repair business. Due to the slow economy I’ve just had to lay off my only employee. It was either pay my parts suppliers or my employee. I want to get my head above water again and pay off my 2 business credit cards. It is so stressful to live week to week. Thanks for listening.
I want to be debt free and start saving for a house!
I want to be debt free and start saving for a house!
We want to save more for college for the kids without me having to go back to work!
My husband (age 57!) is in his last month of nursing school, so 2012 will be the year we FINALLY catch up and become debt free, hopefully! We would love to go to Financial Peace!
We have finally started a budget! 2012 will be a journey toward becoming debt free! I could use all the help I can get. Help. HELP! :)
I have a goal to pay off the 3 credit cards I have, and have 6 months of savings in the bank for my essentials such as house and utilities. I have never been able to save and this year I am not making any excuses started couponing this past November and have seen amazing results.
Our goal for 2012 is to move “The Management of our Finances” up on our list of things to do. Early in our marriage our finances were priority (I am an accountant…of course they would be..Right?) Over the last 3 years we have moved that very important task down lower on the list. It did not happen overnight but due to two layoffs and numerous medical issues with my husband – it became less of a priority. God is good and he has always taken care of us and I know he will in the future. Since one of us is unemployed right now – this class would be awesome to recieve as a gift. I have kept up with Dave Ramsey for many years but have never signed up for his class.
My goal is to try to on top of our debt!!
My goal is to be more frugal with my income.
My goal is to get our debt under control, get rid of all our credit cards, and be able to regularly give and tithe more.
Getting finances in line in case husband’s job is affected by merger
My goal is to find a second job to supplement my income and by doing so pay off credit cards with the snowball effect I have heard Dave Ramsey talk about.
My goal is to be debt free soon and help my parents also. I have one son starting college this year and hopefully the other son in four years and would like to be able to send them without getting owing for life
Our family goal is to be debt free THIS YEAR!!!! Our cars are paid in full and we are working on that LAST credit card!! We have a sophmore in college and couponing has helped us be better stewards of the mony HE has blessed us with!!! All we will have is our mortgage on the house. GOD IS GOOD!!!!!
Our family goal is to get out of debt. Financial burdens can wreak havoc on a family and it has ours. We have four in college. I am in college with my three children. Me and my husband work and it just never seems enough. it is like hanging on to a ledge without a safety net. We have tried to get out of debt and have failed everytime. The ironic thing is we are so in debt that we can not afford to buy Dave Ramsey’s kit.
I graduate from UGA in May of this year, one of my financial goals this year is to find a rewarding career in my field of study and pay off our credit card.
my goal for 2012 is to determine the best way to get my retirement monies working in order to produce a nest egg in a short period of time.
Pay off credit cards as fast as possible
I have over $140,000 in student loans and our family of 5 is living off of one income. It would be nice to be able to make payments on this debt. We do not have a lot of other debt but live paycheck to paycheck. In 2012 I would like to live without this overwhelming debt hanging over me with no means to pay toward it.
To learn how to get caught up on my finances so I can spend more time on raising money for my cousin who has a brain tumor and can’t afford the surgery.
To try to become debt free enough not to live paycheck to paycheck and be able to thy more to church.
One of my financial goals for 2012 is to eliminate unnecessary debt and build an emergency fund.
I would love to cut up the credit cards for good this year!! 2012 here I cOme!
Our goal is to be focused on increasing our income to replace my income so I can stay home with our children. We want to pay off as much debt and live as simple as possible.
My goal is to be debt free!
To pay off all my debt and learn how to teach my children how to manage their finances responsibly.
I would love to pay off my husbands 2 lawn mowers purchased to start his new company,
My goal is to be consistently frugal so I can replace our family car.
I would love to pay off my credit card bills from when I was younger!
So excited for your family. Great job on working hard to pay off your debt. One of my financial goals this year is to continue to pay down our debt and pay cash for my husband’s tuition, instead of getting my student loans.
To pay off our truck
Reduce credit card debt is a biggie for this year.
We just had a new baby so we have lots of bills. This kit would help me learn how to budget our money and reduce our debt. I need to learn how to spend wisely and still be able to provide for the needs of my family.
To establish financial stability to not have to use credit cards no more.
Save/raise enough money to take a mission trip to Kenya.
To save up a good emergency fund and to start saving for my 1 year-old child future.
To pay off as much debt as possible and the break the credit card habit
To pay rest of our debt and finally break the cycle of living paycheck to paycheck!!
To pay for my sons college and to buy a home. He will hopefully attend UF if we can afford it.
Goal: To pay down half of our unsecured debt in 2012.
to get out of debt enough to buy a badly needed minivan for our family as well as start college funds for our kids.
To set a budget and to stick to it
To become debt free!!
To be able to put my kids in day care
My husband and I are going to pay off one credit card (already paid off one!) and hopefully better than half of one car payment (already paid off one of these as well!). We are downsizing where we rent at so we can put more money toward paying off our debt, toward the long term goal of paying for a house with a 50% down payment.
My financial goal for this year is to pay off all credit cards.
Pay off my credit card and not put any more on it.
Get rid of my debt so I can help and bless not only the Church but others.
Our goal is to actualy have a budget down on paper and stick to it so we know what we have done and where we are going.
Try to keep our expenses under budget.
Be debt free
Learn how to pay off my mounting debt!! I currently in college, two kids and trying to make it on one paycheck!! Coupons has helped us but we need to find other money to pay out other debts like student loans!
Begin a plan to get debt free and have peace, so that I can retire and help with my grand baby…..
My financial goal is staying on our plan for paying off our debts. We love the inspiration that Dave Ramsey provides. When I wonder if we can really do it, I like to read some of Dave’s material to boost my confidence that we can make it to being Debt Free. Thank you!
I would love to get out of debt and stop living beyond our means…the peace that would follow that accomplishment would be priceless~
We are within 1200 of being debt free…2012 is to become debt free and STAY there so we are financially able to help those who need it.
Our goal is to actualy have a budget down on paper. And to stick to it so we know what we have done and where we are going.
Our goal is become real about our spending. Budgets are great but do not always work in my experience. We have our “cushion” saved and now we are trying to cut back where we could be saving more. We need to start putting away for my student loans, and learn to use the money we are saving to pay off debt. We have one credit card down already and would love to learn the best ways to crush it!
My goal is to always live debt free. I listen to Dave on the radio all the time and always think, “One day I will take his course.” I currently am renting an apartment and would love to have enough money set aside to buy my first house.
I am a single mom of 3 kids, a full time student and have a full time job. I graduate with my BBA degree in May 2012. We consistently use coupons with store sales and incentives to help lower our food bill. My goal for this year is to find a good job with benefits for my family, and to be able to use the money we save with coupons to deposit in a bank account for a cushion. My goal is to be able to provide for my family and teach them that just because you make extra money, you don’t have to spend it. You can still use coupons to help build your savings and investments.
I would like to be stable enough to actually have a savings account for emergencies and savings for both children’s college. They are 4 and 6, would love to take part of this life changing event.
I am trying to set a budget and actually follow through with it for the entire year. I am trying to start a savings plan that will allow me to have some money saved up to not live paycheck to paycheck.
My goal this year is to be more financially responsible instead of letting things slide a little. My son was born in August, and my husband and I would really love to be able to buy a home of our own before his first birthday. I would also love to know how to be a better budgeter. I hope to learn how to make my finances better so that I may be able to teach my son when he is older.
I would like to start a budget and actually stick with it! My husband and I struggle with this every payday, living paycheck to paycheck. We have 3 children, who are always needing something whether it be clothes, lunch $, or funds for activites and I would love to be able to all this with my budget plan.
I would also like to be able to understand what budgeting means and be able to pass this along to our children, so they aren’t struggling like their parents have!
My husband and I have recently started getting our lives back on track with God being the center of it. Our life together now is so much better than I ever thought it could be, but as my husband is the one that takes care of the tithes and our bills I believe that there is more for us to learn in our finances so that we could have peace of mind and know what we are actually able to do for others in our family. I would love to have the chance to learn more and to show our children the right way to manage their finances later.
to begin my “snowball” as Dave Ramsey puts it…with the hopes of paying down $3000 of debt
My Husband and I would be so blessed to receive such life improving information. Both of us work and we have 4 children between us that we would love to be able to send to college and improve their cultural enlightenment. The knowledge to do this would surely help us achieve our goals to financial peace.
My husband and I are both 39 and we have no savings at the moment. Last year we were finally out of debt and living by a cash only rule. However, this year this proved impossible even with help from family. We went deeply into debt in order to visit family because we have twin nieces who we had never even seen due to our no cash rule. We also have two teenage children who are going to have to pay their own way through college. Our oldest is autistic and there is no way I can see him doing that on his own. Our youngest is planning on attending a very expensive college. We need to get back on track and have some sort of emergency cash to lean on.
My husband just recently walked out on me and my 2 kids. He has left me with a huge amount of debt and I’m not sure where to even start. I have heard about Dave Ramsey through some people at church and would love to get my hands on this:). I don’t have any other option but to get out of debt but it seems like an impossible task. This could really change our lives. Thanks for consider my family for this amazing prize.
I am in the process of teaching my kids the ways of financial responsibility but feel like such a hypocrite since I am not sure that I really know anything about it myself. I would like to educate myself before I teach my children wrong.
My goal is to start by beginning to write everything down so I know where our money goes!! It’s a start!
Our financial goals for this year is to pay off our smaller debts so we can start
paying at least half a payment more on our mortgage to get it paid off in 10 years earlier than we had first plan. We are really motivated to do this and a free program would motivate us even further!! My goal is to be a role model of my daughter, who is 18 mos. old, so that she thinks about how to stay out debt with the skills I will be modeling for her.
I would love to get my credit cards paid off
Our big goal is to be financially secure enough to adopt a child. We do not have children yet but, are ready to welcome this type of joy into our home.
if its not to late, I would love this to help get debt free
I want and need help getting Debt Free.
Where are the winners posted?
Would love to take a Dave Ramsey course or see him live! We are trying
so hard to get out of debt (like everyone else) and this would be the
perfect motivation to jump start our money makeover. We have 2 young
children so of course the goal is to pay off all our consumer debt
within the next few years so we can concentrate on saving for college
and an emergency fund.
I would love to have some kind of safety net, as of now we have no savings.
We were just discussing about taking a Dave Ramsey course so we can get rid of a loan or two. It would be a great way to start putting away some savings and start a college fund for our teenager! =) Thanks for having this sweeps!
My goal is to pay off my school loans
My goal is gain freedom and authority over my finances. My husband and I are taking back the freedom to purchase without credit and we are determined to teach all we come in contact with to be free from the bondage of debit. We are called to freedom not bondage and we take back what is rightfully ours. The enemy will no longer have a hold on our finances and we believe that God will help us to stand strong through each obstacle.
I want to increase my savings.
Our financial goal for 2012 is to get our emergency fund fully stocked. We just paid off all of our debt (other than our mortgage) and cannot wait for baby step3. We are hoping to enter the international missionary field within the year so this is a very important step for us.
I look forward to reading his insights in the paper. I have several friends that are using Ramsey’s financial plan and are succeeding. This is the perfect opportunity to get started on our path to financial freedom.