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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I've read and followed some of Ramsey's philosophies. He's great for getting out of debt, bad for long term investing.

Are you willing to post your budget here? There are probably places to cut and rearrange so you aren't broke. You may need to get a job opposite your DH so that you can bring in some income as well. Retail is hiring like mad and would be getting paid almost immediately.

You need a snowball to pay off the debt, but you need an emergency fund first. [/quote]

This is the answer. 2nd (but not one that starts as early as 3:00 — they do exist) or 3rd shift. Almost no one on DCUM is ever willing to do it, though.[/quote]

When my family’s financial situation looked grim I looked for nighttime jobs. I looked at night work at the hospitals, assisted-living, grocery stores and anywhere I could think of that I could work when my husband was home with the kids. My family did Dave Ramsays plan to a T and it was successful. You have to be committed to succeed, which means reframing your mentality and temporary sacrifices. [/quote]

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