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	<title>Comments on: NEW FEATURE:  Success Stories!</title>
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	<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/</link>
	<description>Personal Finances Blog Personal Finance Tools Dave Ramsey David Bach Robert Kiyosaki Debt Relief Investing Compound Interest Saving</description>
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		<title>By: Katie</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-312607</link>
		<dc:creator>Katie</dc:creator>
		<pubDate>Fri, 04 Dec 2009 21:50:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-312607</guid>
		<description>Joe, 

Ever since hearing you speak at our church this summer my husband and I have dedicated ourselves to getting out of debt and becoming financially free.  It hasn&#039;t been an easy road but just by paying more attention to where our money goes and trying to make wise choices we have paid off around $12,000.00 in debt!! We still have about that same amount to go but the Lord can do great things and we are hoping to have it completely paid off by this summer.  We too are expecting a baby boy in early Feb. and want to be able to start our family off on the right foot debt free.  Your tools have been great and every time I want to give up I just think about how you talk about being financially free so you are free to do what God has planned for you. I hope to honor God with our finances ( all of them not just 10%) and I hope to pass this way of life along to my children.</description>
		<content:encoded><![CDATA[<p>Joe, </p>
<p>Ever since hearing you speak at our church this summer my husband and I have dedicated ourselves to getting out of debt and becoming financially free.  It hasn&#8217;t been an easy road but just by paying more attention to where our money goes and trying to make wise choices we have paid off around $12,000.00 in debt!! We still have about that same amount to go but the Lord can do great things and we are hoping to have it completely paid off by this summer.  We too are expecting a baby boy in early Feb. and want to be able to start our family off on the right foot debt free.  Your tools have been great and every time I want to give up I just think about how you talk about being financially free so you are free to do what God has planned for you. I hope to honor God with our finances ( all of them not just 10%) and I hope to pass this way of life along to my children.</p>
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		<title>By: Sam</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-310019</link>
		<dc:creator>Sam</dc:creator>
		<pubDate>Wed, 18 Nov 2009 20:25:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-310019</guid>
		<description>My girlfriend and I attended your finacial learning experience in Florence at the Francis Marion Campus.  You inspired us to take control of our finances. We have had a working monthly budget, working envelope system, and have paid off 1,800 dollars on her credit card.  The balance on the card will be less than 1,000 dollars next month.  Thank you Joe</description>
		<content:encoded><![CDATA[<p>My girlfriend and I attended your finacial learning experience in Florence at the Francis Marion Campus.  You inspired us to take control of our finances. We have had a working monthly budget, working envelope system, and have paid off 1,800 dollars on her credit card.  The balance on the card will be less than 1,000 dollars next month.  Thank you Joe</p>
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		<title>By: Mary Beth</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-298050</link>
		<dc:creator>Mary Beth</dc:creator>
		<pubDate>Mon, 24 Aug 2009 22:12:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-298050</guid>
		<description>Joe, 

I just wanted to type up a personal note to say thank you!  Our (my husband and I) success story is still currently in the works, but we would not have gotten the fuel to light the fire of our finances if it wasn&#039;t for you and your book! We&#039;ve been attending a weekly group study of your book at Fair Oaks Church in VA.  Not only have your words and wisdom helped us to grow financially, pay attention, and become more disciplined, but the 1 hour study group itself has allowed us to focus and reflect on what we&#039;re doing w/our money, where it&#039;s going, and where we want it to go!  Praise God for using you to motivate and inspire others!  I once believed that I would inherit the bad habits of my parents when it came to $ - end of story.  After piles of debt, it seemed a bit hopeless.  The biggest change was realizing that it all came down to God&#039;s fruit of the spirit - self-control!  Just rethinking our own behavior and having just a little discipline goes a long way! :)  Thank you for inspiring us and giving us the motivation to make changes, put a lot of $ in savings, pay off card after card, and be closer to our dreams!  May God continue to watch over your ministry and use us to share the inspiration and financial tools w/others.</description>
		<content:encoded><![CDATA[<p>Joe, </p>
<p>I just wanted to type up a personal note to say thank you!  Our (my husband and I) success story is still currently in the works, but we would not have gotten the fuel to light the fire of our finances if it wasn&#8217;t for you and your book! We&#8217;ve been attending a weekly group study of your book at Fair Oaks Church in VA.  Not only have your words and wisdom helped us to grow financially, pay attention, and become more disciplined, but the 1 hour study group itself has allowed us to focus and reflect on what we&#8217;re doing w/our money, where it&#8217;s going, and where we want it to go!  Praise God for using you to motivate and inspire others!  I once believed that I would inherit the bad habits of my parents when it came to $ &#8211; end of story.  After piles of debt, it seemed a bit hopeless.  The biggest change was realizing that it all came down to God&#8217;s fruit of the spirit &#8211; self-control!  Just rethinking our own behavior and having just a little discipline goes a long way! <img src='http://www.josephsangl.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />   Thank you for inspiring us and giving us the motivation to make changes, put a lot of $ in savings, pay off card after card, and be closer to our dreams!  May God continue to watch over your ministry and use us to share the inspiration and financial tools w/others.</p>
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		<title>By: Dave</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-158996</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Wed, 23 Jul 2008 17:02:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-158996</guid>
		<description>Hey Joe, I&#039;m fired up and I&#039;m not kidding... when I saw that you were offering a free book for the best success story post and then saw that there were no new success story posts since my last post in June, I knew I had a fighting chance.

I&#039;ll largely borrow from that post as I think it covered the bases pretty well.

I learned of you in the most recent issue of Money magazine - probably the best issue of Money I’ve seen over the last couple years - and have now listened to all your podcasts within a few days of reading the Money article.

I’ve been listening to Dave Ramsey and following his advice for the last year and love finding like-minded podcasts or reading materials to further fuel and reinforce my efforts so I thank you for contributions in that space.

I just wanted to share my success-to-date so perhaps I can return the motivational fodder that I glean from your podcast success stories.

Over the last year, I’ve cleared over $155k in debt (including the selling of an under performing rental property), I wrote final checks for 2 credit cards in June and plan to write another final check later today!  We&#039;re also on target to be debt-free-but-the-house in early March 09. I find myself wishing away this time so I need some balance there but the excitement is real. I now I actually look forward to the bills coming in the mail because now that can only mean one thing… it’s THAT time of the month… yep, MONKEY STOMPING TIME!!!

Thanks… looking forward to picking up a copy of your book.

Dave</description>
		<content:encoded><![CDATA[<p>Hey Joe, I&#8217;m fired up and I&#8217;m not kidding&#8230; when I saw that you were offering a free book for the best success story post and then saw that there were no new success story posts since my last post in June, I knew I had a fighting chance.</p>
<p>I&#8217;ll largely borrow from that post as I think it covered the bases pretty well.</p>
<p>I learned of you in the most recent issue of Money magazine &#8211; probably the best issue of Money I’ve seen over the last couple years &#8211; and have now listened to all your podcasts within a few days of reading the Money article.</p>
<p>I’ve been listening to Dave Ramsey and following his advice for the last year and love finding like-minded podcasts or reading materials to further fuel and reinforce my efforts so I thank you for contributions in that space.</p>
<p>I just wanted to share my success-to-date so perhaps I can return the motivational fodder that I glean from your podcast success stories.</p>
<p>Over the last year, I’ve cleared over $155k in debt (including the selling of an under performing rental property), I wrote final checks for 2 credit cards in June and plan to write another final check later today!  We&#8217;re also on target to be debt-free-but-the-house in early March 09. I find myself wishing away this time so I need some balance there but the excitement is real. I now I actually look forward to the bills coming in the mail because now that can only mean one thing… it’s THAT time of the month… yep, MONKEY STOMPING TIME!!!</p>
<p>Thanks… looking forward to picking up a copy of your book.</p>
<p>Dave</p>
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	<item>
		<title>By: Dave</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-151137</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Fri, 27 Jun 2008 14:49:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-151137</guid>
		<description>Hey Joe, I&#039;m &quot;fired up&quot; about you being so &quot;fired up&quot;.  I&#039;m ready to set my hair on fire and monkey stomp some debt.  EEYYYOOWWW!!!

I learned of you in the most recent issue of Money magazine - probably the best issue of Money I&#039;ve seen over the last couple years - and have listened to about 2/3 of your podcasts over the last week and hope to catch up the rest over the weekend.

I&#039;ve been listening to Dave Ramsey and following his advice for the last year and love finding like-minded podcasts or reading materials to further fuel and reinforce my efforts so I thank you for contributions in that space.

I just wanted to share my success-to-date so perhaps I can return the motivational fodder that I glean from your podcast success stories.

Over the last year, I&#039;ve cleared over $155k in debt (including the selling of an under performing rental property), I wrote final checks for 2 credit cards just last night and am on target to be debt-free-but-the-house in early March 09.  I find myself wishing away this time so I need some balance there but the excitement is real.  I now actually look forward to the bills coming in the mail because now that can only mean one thing... it&#039;s THAT time of the month... yep, MONKEY STOMPING TIME!!!

Thanks... looking forward to picking up a copy of your book.

Dave</description>
		<content:encoded><![CDATA[<p>Hey Joe, I&#8217;m &#8220;fired up&#8221; about you being so &#8220;fired up&#8221;.  I&#8217;m ready to set my hair on fire and monkey stomp some debt.  EEYYYOOWWW!!!</p>
<p>I learned of you in the most recent issue of Money magazine &#8211; probably the best issue of Money I&#8217;ve seen over the last couple years &#8211; and have listened to about 2/3 of your podcasts over the last week and hope to catch up the rest over the weekend.</p>
<p>I&#8217;ve been listening to Dave Ramsey and following his advice for the last year and love finding like-minded podcasts or reading materials to further fuel and reinforce my efforts so I thank you for contributions in that space.</p>
<p>I just wanted to share my success-to-date so perhaps I can return the motivational fodder that I glean from your podcast success stories.</p>
<p>Over the last year, I&#8217;ve cleared over $155k in debt (including the selling of an under performing rental property), I wrote final checks for 2 credit cards just last night and am on target to be debt-free-but-the-house in early March 09.  I find myself wishing away this time so I need some balance there but the excitement is real.  I now actually look forward to the bills coming in the mail because now that can only mean one thing&#8230; it&#8217;s THAT time of the month&#8230; yep, MONKEY STOMPING TIME!!!</p>
<p>Thanks&#8230; looking forward to picking up a copy of your book.</p>
<p>Dave</p>
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		<title>By: jane</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-115030</link>
		<dc:creator>jane</dc:creator>
		<pubDate>Mon, 24 Mar 2008 12:56:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-115030</guid>
		<description>Joe, I had a &quot;life happens&quot; event back on Feb 4th... even tho&#039; it was out-patient with good insurance, we still had to pay $1,800 out of pocket....and when that bill came, Jack wrote a check, why, cause we were prepared for life!  Jane</description>
		<content:encoded><![CDATA[<p>Joe, I had a &#8220;life happens&#8221; event back on Feb 4th&#8230; even tho&#8217; it was out-patient with good insurance, we still had to pay $1,800 out of pocket&#8230;.and when that bill came, Jack wrote a check, why, cause we were prepared for life!  Jane</p>
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		<title>By: Lisa</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-111582</link>
		<dc:creator>Lisa</dc:creator>
		<pubDate>Sun, 16 Mar 2008 18:37:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-111582</guid>
		<description>My mom has said for years that people don&#039;t know where to shop for bargains. Her advice has rubbed off on me and I now find myself shopping at Family Dollar, Dollar General, The Dollar Tree, and Fred&#039;s. You can get grocery items for cheap at these places. They also have other stuff you would normally find at Wal-Mart. These stores have name brand and generic stuff like shampoo, lotion, deodorant, hair color, toilet paper, cleaning products, makeup, razors, shaving creme, hair accessories, car wash, sunglasses......and the list goes on. The Dollar Tree is my favorite because everything is $1.00. The only catch with that is you can probably get a few of the  items for less than $1.00 at one of the other stores I mentioned (like toothpaste and shampoo).</description>
		<content:encoded><![CDATA[<p>My mom has said for years that people don&#8217;t know where to shop for bargains. Her advice has rubbed off on me and I now find myself shopping at Family Dollar, Dollar General, The Dollar Tree, and Fred&#8217;s. You can get grocery items for cheap at these places. They also have other stuff you would normally find at Wal-Mart. These stores have name brand and generic stuff like shampoo, lotion, deodorant, hair color, toilet paper, cleaning products, makeup, razors, shaving creme, hair accessories, car wash, sunglasses&#8230;&#8230;and the list goes on. The Dollar Tree is my favorite because everything is $1.00. The only catch with that is you can probably get a few of the  items for less than $1.00 at one of the other stores I mentioned (like toothpaste and shampoo).</p>
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		<title>By: Lisa</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-111580</link>
		<dc:creator>Lisa</dc:creator>
		<pubDate>Sun, 16 Mar 2008 18:16:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-111580</guid>
		<description>Wal-Mart&#039;s $4.00 prescription plan is wonderful! You can go to walmart.com to see the list of prescription medications that are just $4.00! Two of my prescriptions are on the list. I get one month supply of both of them for $4 each. You don&#039;t have to have insurance to take advantage of this!! I had no idea Wal-Mart did this until someone at work told me about it. My doctor prescribed an allergy medicine that I was buying over the counter. I realized it was on the $4 list, so I asked her to give me a written prescription so I could take it to Wal-Mart and get it for $4. Hurray for the $4.00 program!!!</description>
		<content:encoded><![CDATA[<p>Wal-Mart&#8217;s $4.00 prescription plan is wonderful! You can go to walmart.com to see the list of prescription medications that are just $4.00! Two of my prescriptions are on the list. I get one month supply of both of them for $4 each. You don&#8217;t have to have insurance to take advantage of this!! I had no idea Wal-Mart did this until someone at work told me about it. My doctor prescribed an allergy medicine that I was buying over the counter. I realized it was on the $4 list, so I asked her to give me a written prescription so I could take it to Wal-Mart and get it for $4. Hurray for the $4.00 program!!!</p>
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		<title>By: chrysler car leasing</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-110951</link>
		<dc:creator>chrysler car leasing</dc:creator>
		<pubDate>Thu, 13 Mar 2008 22:07:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-110951</guid>
		<description>I think everyone should have a hybrid car.</description>
		<content:encoded><![CDATA[<p>I think everyone should have a hybrid car.</p>
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		<title>By: Jennifer</title>
		<link>http://www.josephsangl.com/2007/11/20/new-feature-success-stories/comment-page-1/#comment-110909</link>
		<dc:creator>Jennifer</dc:creator>
		<pubDate>Thu, 13 Mar 2008 16:56:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=499#comment-110909</guid>
		<description>I wanted to share another success story about GROCERIES! I shop only at PUBLIX for my groceries and I have a home daycare business (6 children) plus my husband and I... my grocery bill... $42 (average per week last year)Oh yeah, we have 2 cats and 2 dogs too! $42!!! At PUBLIX!!!! It is super easy to save a ton of money on your groceries. I do buy 1 Sunday paper (coupons), publix doubles coupons that are .50 and less, you can use a Publix store coupon and a manufacturers coupon for 1 item, and on Sunday/Monday they have a &quot;penny item&quot;. The penny item is as long as you spend $10 you can ask to get the penny item. For .01 I have gotten milk, crackers,bleach, soda,paper towels, toilet paper... just about anything!Plus every week, Publix has several BOGO items. If you begin to shop there regularly you will learn what items go on sale, and when. So when I shop I stock up on items long enough to last until the next time they are BOGO. You don&#039;t have to buy 2. They also have a Baby Club and Preschool Pals program that you can sign up for to get even MORE COUPONS!!!!!You can also buy coupons on Ebay.. yes, buy coupons. I just recently bought $84 worth of publix coupons for $12.The coupons are save $1.00 on any produce item, save $5.00 on $30 purchase, save 1.00 on any grocery item, etc. I love the atmosphere there, the people, the service. For all you Walmart grocery shoppers.. you are spending WAY more than you need to!

Example: Colgate Toothpaste
On sale 3 for $5.00= $1.67 each
1.67-.50coupon -.50dbl coupon= .67</description>
		<content:encoded><![CDATA[<p>I wanted to share another success story about GROCERIES! I shop only at PUBLIX for my groceries and I have a home daycare business (6 children) plus my husband and I&#8230; my grocery bill&#8230; $42 (average per week last year)Oh yeah, we have 2 cats and 2 dogs too! $42!!! At PUBLIX!!!! It is super easy to save a ton of money on your groceries. I do buy 1 Sunday paper (coupons), publix doubles coupons that are .50 and less, you can use a Publix store coupon and a manufacturers coupon for 1 item, and on Sunday/Monday they have a &#8220;penny item&#8221;. The penny item is as long as you spend $10 you can ask to get the penny item. For .01 I have gotten milk, crackers,bleach, soda,paper towels, toilet paper&#8230; just about anything!Plus every week, Publix has several BOGO items. If you begin to shop there regularly you will learn what items go on sale, and when. So when I shop I stock up on items long enough to last until the next time they are BOGO. You don&#8217;t have to buy 2. They also have a Baby Club and Preschool Pals program that you can sign up for to get even MORE COUPONS!!!!!You can also buy coupons on Ebay.. yes, buy coupons. I just recently bought $84 worth of publix coupons for $12.The coupons are save $1.00 on any produce item, save $5.00 on $30 purchase, save 1.00 on any grocery item, etc. I love the atmosphere there, the people, the service. For all you Walmart grocery shoppers.. you are spending WAY more than you need to!</p>
<p>Example: Colgate Toothpaste<br />
On sale 3 for $5.00= $1.67 each<br />
1.67-.50coupon -.50dbl coupon= .67</p>
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