On Dave Ramsey

So, I had never heard of Dave Ramsey before I started doing some reading and research about debt - then the name was everywhere. I happened across him on TV one night, and since have been watching him every night and listening to his radio program while at work. He has a little too much religion in his finances for my taste, but his financial advice is sound and I have only disagreed with him a couple of times. I like to try to guess his answer to the question before he does. I find him very inspiring and he keeps me revved up and focused on my goal. He makes me feel like it is possible.

I am rethinking my plan. I had the same basic idea - to tackle the debt smallest to largest, and to build emergency fund, but I was trying to do it all at once, and I didn't want to just pay minimums on the larger debts. I have done 100 different spreadsheets and the thing about his plan is... we get out so much faster. We can be out of credit debt in July, and loan debt in May 2011. And then have over $20,000 saved by the end of 2011.

The thing that worries me about it is the combination of not having much savings and not using the credit cards. I am scared we are going to run into some areas where we may need to use the credit card if we don't have the savings built up. We already know we need roof work - we don't know the extent yet.... We also have some plumbing problems. And two old and rickety cars. We have an out of state wedding to go to in May. It is really stepping out on faith to try to tackle these things without credit or savings.... I guess we will do what we can now and cross these bridges when we get to them.