Tuesday, December 16, 2008

Pink or Blue!

We will let you know! We are expecting =:)
Merry Christmas!

Sunday, November 16, 2008

Being a Seller

How can sellers avoid bringing $ to closing?
Shudder to think you are paying the buyer to take the house.
Hmm. There is an interesting website that says Sell Your House in 7 days.
http://www.sellyourhousein7days.com/

If you put your house on the market at a low price do you need to go lower b/c the buyer always wants to negotiate or do you stay firm with your price? 250K would enable a buyer to see the listing if he / she was looking in the 250K plus range and the 250K minus range. What about the appeal of 99s? 299 vs 300. Which would you be more interested in? Does 299K make it more likely that someone looking 300K or above will miss your house? Probably not. The buyers probably have maximum limits but are more flexible with their minimums. Never saw a buyer who would not agree to pay less.

Tuesday, October 21, 2008

Some days>>>

Some days you just pause and think what could have been...

"Precious Child" song.

The song takes a few moments to load.

Sunday, October 19, 2008

Orgasmic Birth

One time, I read that child birth could be painless. I told my friend if I found this to be the case that I would let her know. Okay, no I definitely did not have a painless delivery. But now I heard that an orgasmic birth is a possibility. I wonder. Is that possible?
www.orgasmicbirth.com There is a documentary film that is being shown regarding orgasmic birth. It looks promising!

Saturday, October 4, 2008

Energy Waste

Right now or when you get a chance -today, unplug everything in your house except your refrigerator. Before you do this, go check how fast your electric meter is spinning. Unplug everything and check again. I hope you will now be able to read the numbers or words on the disc. My recollection is that disc spins pretty fast.
It is unbelievable how much energy is being used / wasted on a daily basis.
Many items are left on 24 hours a day for convenience. Cell phones chargers eat up power even when not in use. That old VCR flashing 12:00 probably is using some power. Land line phones sit on chargers, cameras and video cameras are powered by rechargeable batteries. The dust buster and the cat's water bowl are plugged in. Of course, the computer and the clocks are plugged in.
Wouldn't it be nice to flick a switch and all the power in the room is turned off? What else can we find? Lights turned on during the day. We can take advantage of the sunlight to illuminate our homes during the day.
Let's conserve power now. Don't forget to check those meters.

Preparing for a Famine

This post is partly in response to Happy Rock's post regarding the Dow tumbling. Happy Rock has been preparing a long time for a famine. He is debt free and saving for a new house. He has a vision of what he wants for his life and his family's life. Bravo to Happy Rock for being so prepared to take on this economic crisis.
It reminds me of Joseph preparing Egypt for a famine. They grew and stored all they could so that when the lean times came they were prepared.
Normally, I have heard that new companies are the ones that fail during these challenging times. Now the companies that are falling apart have been around for decades.
How can we continue forward? Folks, the sky might not be falling but the famine is coming. Housing prices continue to drop and the interest rates for savings are minimal.
Please share your tips on how to stay ahead in this struggling economy.

Sunday, September 28, 2008

"The Bucket List"

Over the years, I have seen a few movies where people knew they were going to die. These people finally started to live. In reality, few get this opportunity.
In "The Bucket List" there were many ideas of things to do, see, experience and time to do, see and experience.
Taking the events of 9-11, everyone spoke about their last memories of their loved ones. Each day is precious. Each day could be our last. But how many days end in anger or regret.
I have heard that some people keep gratitude journals; while others, like us, keep blogs. But we all have something in common. We live each day, one day at a time.

Go out and have a great day!

Sunday, September 7, 2008

Sunday Homily

The priest had a very interesting homily today.
A grandson told his grandfather that he would get very angry. The grandfather gave him a box of nails and told him to hammer a nail into the fence each time he was angry. The grandson did this. After many days the grandson was no longer as angry. He was not hammering in any nails. Then the grandfather told the grandson to take a nail out of the fence each day that he was not angry. When there were no more nails he told his grandfather. His grandfather took him out to the fence and asked the grandson to describe what he saw. The grandson said that the fence had a lot of holes in it.
The grandfather said to the grandson that when you get angry at someone even if you say your sorry or ask for forgiveness that the scars will remain.

Saturday, August 30, 2008

Close to Reaching my 100th Post

Just checking how many readers I have.
Please let me know if you are out there. You can just say hi on the comments.
I assume I have at least 3 readers. Just kidding. It is at least five (O, J, R, M, and A).

Happy Labor Day!

Thursday, August 28, 2008

My Visit with a Redesigner

I contacted a redesigner to look at my home and make suggestions. For my time and money, I walked away with 5 drawings of ways that I could reposition my furniture. The money would be worth it if and only if we followed at least some of the designs.

The other alternative would be that the redesigner would come back after I make the necessary purchases and would redo two of the rooms for $700.00. The problem I see is that the redesigner is requiring that I buy certain items for the rooms. These items might spice up the room but might also be unnecessary. Only necessary for her to agree to do the work. The items in question are a large piece of art work for each room, three large lamps, light bulbs and some solid color pillows for each room.

The artwork and the lamps are what I would be questioning. There is also the possibility that the redesigner might add some things of her own that we can purchase if we like how they are displayed in our house.

I would have preferred a consultation that was free or at least the money could be applied to the cost of redesigning the rooms. Sometimes it is just a motivational issue. We can have the redesigner work on our house or we could leave it how it is. Yes we could follow the redesigner's designs but I would probably not make as many changes.
For example: my children would be switching rooms; my shelf in the living room (that is attached to the wall) would be coming down; my armoire in the bedroom would turn into an entertainment center in the living room; my vanity would turn into a desk for the living room

On the positive side I would get to purchase a coffee table (or sofa table) and an end table for the living room. That would be fun!

Ideally I would like a redesigner to use my existing furnishings and make magic happen!!

Sunday, August 17, 2008

Ways to Improve our Home

1. hire a housekeeper
2. rent a storage unit
3. take advantage of donation places pick up service

Thursday, August 7, 2008

Traveling Expenses

Our two trips / vacations were very different. One was spent traveling, hotel rooms and attractions while the other consisted of renting a home, grocery shopping and a few attractions.
It will be interesting to see which one was better financially. I guess it is time to tally the expenses!

Keys to Success

Pray, Eat, Live and Love (Repeat)

And don't forget to surround yourself with good friends.

Have a great day!

Wednesday, August 6, 2008

Credit Card purchases for the Summer

Here is a look at the percentages for July
Gas 37%
Food 17%
Dinners (out) 15%
Drug Store 5%
Gifts 5%
Car Main 5%
Baby items 4%
Online services 4%
Toys 3%
Hair Cuts 2%
Entertainment 2%
Clothing

August
Gas 45%
Eat out 21%
Entertainment 12%
Gifts 11%
Drug Store 5%
Groceries 2%
Internet Services 2%
Parking 1%

Tuesday, August 5, 2008

Normal Expenses

To follow Debt Defier's, a writer at Happy Rock, post regarding his expenses; here are my normal expenses for a four week period.

Savings $40 a week (160)
Savings for Tuition/Pool $90 a week ($360)
Babysitting $100 -not normal
Cleaning $160 (that was for two weeks)
Auto Insurance $200
ATM Withdrawals $100 (varies)
Credit Cards $1300 (no financing)
Church Donations $500
Groceries $600
Mortgage $1200
Snowball Payment $1000 (250 per week)
Water $50
Electric / Gas $300 -seems really high
Cell Phone $100 -would love to drop this one lower
DSL $ Phone $100

debt defier July expenses

Sunday, August 3, 2008

Money Spent with a Zero Return

93 -$100 deposit to a dealership to hold a new car
93 -life insurance policy to pay off a car in case of death
97 -warranty and maintenance plan on a video camera
00 -charged for a night hotel stay for a hotel that we did not end up staying at
00 -paid for a gift certificate that was not used by the recipient prior to the shop becoming defunct
05 -charged for a night hotel stay that we did not use b/c we left early
08 -charged $600 for returning a lease vehicle
yearly -charged $3.50 each month to pay a bill monthly rather than biannually

Thursday, July 24, 2008

Fun With Numbers

Today my lesson plan is to work with numbers. Son 1 needs to be able to write his numbers while son two needs to be able to write his numbers and recognize his numbers.
The goal today is to work with numbers 1 to 10.
I have one Word (Microsoft program) table for each child with the numbers 1 thru 10 in order.
I have a scrambled table where each child can cut the table up and paste the numbers to the other table or put the numbers in order.

Next step is to gather the books together that have numbers. We should have several.
Curious George is one.

Challenge: Eliminate Possessions

Okay I need some sort of small challenge to eliminate some possessions. Any ideas?
We can move to a larger house or start moving out some of our things. Moving is always an option but purging is always a good thing to do.
I know if you have not worn something in a certain amount of time that it should be tossed. I also know that we use and wear only 20% of what we own.
Why is it so hard parting with possessions? Clothes are easier for me that gifts of another nature to dispose of. Clothes are worn, outgrown and styles change.
Other possessions are clung to thinking they will be one day be needed.
Any idea for a challenge that others can do also?
I am willing to take on more than one.

For example:
attack the linen cabinet
donate some shoes

Cell Phones

The wave of the future for technology is normally smaller with more features but this comes with a larger price tag. You used to be able to wait for things to come down in price but now new items are created and the old items become obsolete.
How many people still have a stereo with a turn table or a tape cassette (raising hand)
How about records? (raising hand)
Cassette tapes (raising hand)

Now how many people still have land lines? (raising hand)

One of our vacation places had a sign posted by the pool stating that there was a phone in the lobby and in all hotel rooms incase of an emergency.
Now hotels seem to be doing away with phones in an effort to save money. But in an emergency these phones are still pretty valuable. I really had not thought about that until now.
Now lets go into our own home. If an emergency occurs and you no longer have a land line does everyone that could enter your house know where your charged cell phone is located? Is there an extra cell phone left for the babysitter incase of emergencies with instructions how to use the phone?

Originally cell phones seemed to be used in the car for emergencies. Now they have replaced land lines either for long distance or all together.
Our cell phone is older and is starting to get less reliable.
You would think for $1200 per year the phone could at least hold a charge.
I guess it is time to start researching new plans.
Can anyone share their plan info?

We have 2000 minutes (certainly way too much); two lines; unlimited Internet (can't see alot of newer sites) and unlimited text messaging.

Where has the summer gone?

Someone asks this question yesterday. From what I can tell there are still 6 weeks left and many adventures to be had.
A few years ago we stayed at home for our vacation to fix up my son's room.
Now many people are staying close to home due to the economy.
Getting away once in awhile is helpful. Gives you a chance to recharge and hopefully feel reenergized.
So whether you are able to go to Disneyland like KT or Starbucks; take some time out to smell the flowers while summer is still upon us.

Tuesday, July 22, 2008

Water Water Everywhere

Everywhere you looked during our vacation was water.
The Falls, a pool, a lake, huge bottles of water and even water parks.

Water is needed to survive and it is also very fun to play in or get mesmerised by.

What is your favorite form of water?

Sunday, July 20, 2008

My Story

On January 6, 2006, we excitedly went to see the ultra sound of our baby. Our hope was not to learn the sex of the child. The news was devastating. We were told that our baby would not survive. 100% -no chance of survival.
Our baby had some birth defects including polycystic kidneys. On March 15, 2006 our baby died. We choose to carry our child as long as God gave us.
Our baby died! Michael's due date was May 24, 2006. Michael would have been entering PreK 3 the following year (September 2009). God bless Michael Shaun!

In March 2005, we were also hit with some very heartbreaking news. We found out we were pregnant and then "moments or days" later the baby was gone. After losing Michael we named our other angel, Kathleen Maurine.
God bless Kathleen Maurine!

Sleep tight our angels in heaven!

Sunday, July 13, 2008

Seeing vs. Experiencing

We drove by Niagara Falls looking for parking availability. My oldest son at that point "saw" the Falls. He was interested in doing another activity. I wanted him to experience the Falls.

Currency Exchange

Most places in Niagara Falls, Ontario accepted U.S. money and gave change in Canadian money. Not sure if I made a profit or not. Maybe MommyChicky could comment on that. We didn't need to exchange any money since the U.S. money was accepted. At a 7-11, the total came to $22. I gave 22 U.S. dollars and they asked for another U.S. dollar to compete the transaction. That was the only time that happened.

Room Saver.com = Money Saver

Try this website www.roomsaver.com next time you need to book a hotel or motel. It might save you a ton of money. Some hotels let you book the rooms ahead of time. On the coupon it will specify if it is good on the weekend, whether you need to pay extra on certain days, etc. You can also find the books along the highway rest stops. We were able to use three of these coupons during our recent trip.

Saturday, July 5, 2008

1st Night of our Adventure (updated)

My daughter and two sons had a very successful trip. Everyone traveled very well. Bedtime was not as pretty of a picture. Apparently my daughter did not like her pack and play. Instead she wanted the human comfort of Mommy and Daddy's arms while standing of course. Since we arrived around midnight we didn't want her waking our neighbors in the adjoining room. Normally we would let her cry it out. She slept comfortably in her car seat. Who knew?

The following night she slept successfully in her pack and play. Maybe the solution is to stick to her regular bedtime while on vacation to make for a happier child.

Friday, July 4, 2008

Traveling with Children

Today we are taking our three children on a two country tour. Our vacation began on Friday, July 4, 2008. Back home my best friend is about to deliver twins.

Packing for our trip was unusually easy. Normally I rush out and buy all the needed toiletry items etc. This time I enlisted help. My oldest child packed clothes for himself, his brother and his sister. No kidding. He put the clothes together. We did it in steps. First my oldest son put all the under ware in two piles. Later we worked on the clothes. I handed him clothes and he separated the clothes into two piles. He also put all of his sister's clothes that I set out into a travel bag. Not bad for someone his age. Yeah!! On the day of travel both boys packed a bag with their toys. Hopefully their toys are not obnoxiously loud. I forgot to check that. They also selected their special blankets for the trip.

My former manager once mentioned that his wife enjoyed a clean home after vacation so she would spend time cleaning prior to their trips. Surprisingly I did make an effort to make the house presentable prior to our departure.

Approximately 5 years ago we made this same trip with our oldest son. Since that trip we upgraded to a small minivan and then to a larger minivan. We also have a roof top carrier. This will be the first time my daughter has been in a hotel. Her baggage is fairly light. She has a pack and play to sleep. For dining, she has two seats. One seat we can take into the hotel and the other we will leave in the car. She is not potty trained yet so no potty chair is needed.

Toys, did we pack any toys for our daughter? Hopefully. Her toys are always a mismatch of various parts of toy sets.

Our choices for our destination varied but being summer what we packed would be the same for both trips. I love to travel and plan trips. We selected b/w 1000 Islands and Niagara Falls, Ontario. In the 1000 Islands, rest and relaxation seems to be possible. I have only taken a boat cruise through the area on the Saint Lawrence River so I don't know much about the area beyond the boat tour. Another interesting location is Rochester, NY. It appears to be on the water and has lots of fun museums that appear to cater to children.

Niagara Falls, Ontario has a fabulous attraction called Marine Land. They have a wonderful aquatics show and the patrons get to touch and feed the deer.
My husband and I were here in 1999. Now we hope to bring our children to enjoy the fun.

Saturday, June 28, 2008

Home Efficiency

Mission statement options:

Create an environment that leads to the development of healthy and loved children who feel special and loved every day. Have a home that adds strength to relationships between family, friends and the community.

Create an environment that encourages the individual talents of all members and rewards teamwork and unity.

Some families have a mantra. What is your mantra?
Businesses and organizations have mission statements. Why not have a mission statement in our homes?

Have a great weekend!

Wednesday, June 25, 2008

The Day of Reckoning

Do you remember the day of reckoning in the Game of Life? When you get your credit card statement, does it feel like the day of reckoning? Does the full amount due determine if you stayed in the black for the month? Do you currently know how much you owe on your credit cards?

Many if not most major credit cards have on line access to your current balance, current entries and the current statement. When you go on line to view your bank account you might be able to view your most recent credit card entries also.

Decide how much money you can put on your credit card each month and still be able to pay your balance in full. When you get to that amount either use cash or checks to pay for new purchases. Don't continue to use your credit card if you can't pay off the balance.

Tuesday, June 24, 2008

Do You Have A Passion for Decorating?

I attended a very good class regarding color instructed by an interior designer.
Here are some tidbits of information that she shared with us.

The neutral colors are white, black, gray and green. Brown would also be included in the neutral colors.
Warm colors tend to make a room look large while cool colors would make a room look smaller.
Shades of color (hue) are mixed with black and gray. Tints are mixed with white.
Use warm tones in the downstairs. Use cool colors in the upstairs.
Windows that open to the north rec. cold and harsh light.
Southern exposure rooms rec. warm light all day long that changes throughout the day and the year.
East rec. sunlight first thing in the morning while west rec the sun during the hottest part of the day (red).
Use a foam tag for painting samples and move the samples around the room at different times of day for at least a week.
Recommendations for shades -cellular shades -have woodwork showing
Magazine -Ballard Designs

Colors to use in rooms
Red -Dining room -stimulate appetite
Peach, Pale Orange -expansive, dining room, kitchen, family room and bathroom
Yellow -warm, uplifting, joyful -use in hallways, kitchen, dining room and living room
Green -life, rebirth (both a cool and warm color) tranquil
Blue -awareness, unity and balance -use in bedrooms, main bathroom if it does not compete with skin tone
Indigo -stimulate learning, sensual, peaceful, magical -use in a library, study or den
Violet -nature, light waves, contrasting rooms, romantic, cool powerful, bedrooms

Lighting -recommend GE Reveal Lights

White recommendations -dove white and decorator white

Color schemes include -monochomatic, complementary (opposing), analogous (next to) and triad (evenly spaced on color wheel)

Monday, June 16, 2008

Projects

Life Management
Be ready to reenter job market and handle all family responsibilities.
Update Resume
Create in case of emergency items

Digital Video and Photography
Put digital pictures and video into a usable format to share with others.

Basement Organization
Turn basement into usable space for family to use as a family room.

Debt Reduction
Pay down all debts to eliminate debts in the shortest time possible. Start saving additional money once debts are paid.

Home Maintenance - Outside
Have a nice appearance outside.

Travel - Family
Plan trips for family in advance. Utilize any savings possible for hotel, air, car, meals and entertainment. Reduce spending for meals when traveling.

Sunday, June 8, 2008

House Swapping

Interesting concept. I read about it in Tara Road. In the US, typical places to house swap to are California, Florida and New York. I am sure there are other places that are of interest also. Now this concept has been taken a step further to "swapping homes for good". It still looks like a real estate transaction to me. Although certainly a unique transaction. I think this would work better when the homes are priced similarly. Would you be interested in buying the home of the person that is buying your home if it is the home and the location that you desire?

Many times people are upgrading or downsizing or relocating due to employment, education, family etc. What are your thoughts?

I found this book in July 2006

Mother's Manual Copyright 1941 Page 51

"To Her Infant in Heaven"

(petition)

"My darling (mention child's name), now in joy before the throne of God, you are close to God, and in your spotless innocence which He loves, you can speak to Him with a voice that He will surely heed. You are still my little baby and will surely regard the prayers of your mother, who bore you. I address then my petitions to you. Intercede for me and obtain the favor that I here ask as a mother from her child who stands before the throne of God (here mention petition). But if what I here ask is not for the glory of God and the good of souls, do you obtain then what is most conducive to both. Amen."

Wednesday, June 4, 2008

Monday, June 2, 2008

House Buying in a Slow Economy

We stopped by an open house in our neighborhood. The real estate agent said that it was a good time to buy for those that were first time home buyers and for those moving to a larger house. 1st time home buyers were obvious. They would not need to sell their home in a slower economy but the buyers that were upgrading, I was surprised.
It appears to me that many people buying homes currently will need to stay in them for awhile to see any profit. For those selling homes right now they might not see any profit if they purchased the home recently.
Many homes have inflated prices right now. The homes are still coming down in price. The real estate agent's comments were very alluring to upgrade now. She thought that the people that would be losing money would be the people that were not going to re buy. She might be right that it is a good time to buy regardless of your situation. Only time will tell.

Wednesday, May 28, 2008

Car buying = rocket science

Car buying = rocket science. I did not know that. Correctly reading and understanding the ads has to do with the rocket science.

Attempt 1:
Lease Price: $243 per month
Apparently this is just a number. On top of that we need to add back the information on the purchace side of the ad. $400 recent college grad and $600 stimulus check.

Attempt 2:
Purchase Price: $21K plus $400 for recent college grad
Nope this one we need to add back the $1500 b/c we want the low financing option.

On a positive note.
Some dealerships have special pricing for AAA members.

Tuesday, May 27, 2008

buying used

It is a real struggle to get out of the leasing mode and buying a used car. Too bad that fits better into our finances.

Monday, May 26, 2008

car purchases

Apparently it is cheaper to buy cars than to lease and it is cheaper to buy used then to buy new. There is such a discrepancy b/w the interest rate of new cars and used cars. Cars being considered are the Chevy, Toyota and Honda.

Sunday, May 11, 2008

The Birthday Girl

This month our daughter turns 1! Yeah.
Dear daughter,
You are a vision of loveliness. Everyone says how pretty your smile is when they see you. I hope you always feel special and loved.
Love,
Mommy

Happy Mother's Day to everyone

Happy Mother's Day. Hope everyone had a wonderful day!

Friday, May 2, 2008

For those of you who have experienced miscarriages; your children are not forgotten

I saw this and thought it was appropriate.

"No farewell words were spoken,
No time to say goodbye,
You were gone before we knew it,
And only God knows why."

There was also a reference to Isaiah 49: 15-16

Baby Items to be Used and Reused

There are alot of baby items that we have been able to use and reuse.

One problem that I have found with recycling toys is that if the child remembers the toy; the child wants the toy. Go figure.
It was easy passing everything from my first to my second but passing onto my third is sometimes a struggle. Son 1 doesn't remember having the toy but reminds Son 2 that the toy is his (son 2's) rather than third child's. Bummer!
Here is a good post from Moolanomy regarding spending tips when having newborns.

Recent posts from the Financial World of Blogging

Here is a good post from Squakfox regarding the things that you need to carry with you.

Prime Time Money has a good post regarding identity theft.

There are two posts from No Credit Needed that I would like to recommend.
1) interesting PF posts.
2)"How My Fellow Money Blog Network Members Have Helped Save Me Money."

Money Blue Book also has a good post regarding using the extended warranties offered by the credit card companies.

Wondering ... What is Mommy Time?

Is mommy time when you take time to be by yourself, with your husband, with your family or with your friends?
What does mommy time mean to you?
I tend to think that mommy time is time spent being a mom and you are having fun.

Wednesday, April 30, 2008

Things to buy

If I could buy anything today I would probably make a Shutterfly album for myself.
Pretty small purchase but it would be nice to have. Too bad I have to spend all the time searching through the pictures to make it happen.

Friday, April 25, 2008

Items that can be sold or donated prior or after a Yard Sale

Books
-Donate to a library or sell to a used book store

Children's Clothes and Toys
-Donate or sell to a kid's store

Kitchen and Household items
-Donate (any other sale methods) -ebay

Yard Sale

Things to do before a Yard Sale

Any suggestions?

Decide on staging
Get or make signs
Have change
Don't bring unsold items back home

Sunday, April 20, 2008

Memories of my Life

Through the looking glass...

2000's

Riding in my car, looking ahead, realizing that we are following the hearse that my beautiful infant son is in. It just seemed so wrong. I have always heard that burying a child is the hardest thing for a parent to do.

Looking out the windows of a fabulous boat on the Seine River seeing the magnificent Cathedral of Notre Dame in Paris as the narrator sang Ava Maria in English and French.

Looking out the airport window at my friends as they boarded a plane to celebrate their wonderful honeymoon in Italy.

Looking up at Pope John Paul II at his window as he blesses the crowd gathered in St. Peter's Square.

1990's

Looking down at myself as if I was in a dream during my marriage proposal.

1980's

Riding in a limo after my father's funeral looking out and seeing a house that I always have loved. Telling my brother, who is an architect, about the house. My brother offering to design a house for me someday.

1970's
Looking out the window of my front door and seeing my good friend, Amy, getting on a bus that is taking her to Montessori school.

Thank you to KT for pointing out this wonderful post from Jen called seven windows of my soul.

"Credit Withdrawal"

There is a blog called www.creditwithdrawal.com.Just the name gives me an idea for a post. How much did we charge in 2007 on our credit card? 18% of our take home pay. And how about on our "2nd credit card"? 7% of our take home pay. A total of 25% of our take home pay went to our credit card companies. We really should be doing a better job on not relying on credit. The host of this week's Carnival of Debt Reduction,No Debt Plan, has a good approach for using last month's paychecks to pay for this month's expenses.
No Debt Plan's Life Changing Concept.

Car Shopping = More Debt!

Car shopping (see Car Woes post) has been on my mind for awhile. I decided to listen to some of the call-ins on Dave Ramsey's show regarding cars. I thought this call was pretty appropriate. Call into Dave Ramsey's show "Wanna get back into debt". Actual call.
Currently I have no car debt. Why get back into car debt? There was another call regarding paying a large amount of cash for a truck and draining savings.
Call into Dave Ramsey's show "Trashing the truck".
So why do so many people buy new cars? Status, keeping up with the Jones. What is the motivation? I have leased two cars, bought/ financed two cars and paid cash for one car. All of these were new cars. I wonder what the total $ outlay would be on all these cars?