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Archive - March, 2008

Marching To Debt Freedom – Couple #3 – Month 03

March 6, 2008 in Couple #3, Debt Freedom March with 4 Comments

I am excited to introduce Couple #3 - the newest members of the "Marching To Debt Freedom" crusade.

Introduction

This couple has been married for many years and have one child. They have HAD IT with their debt and have been marching toward debt freedom since November 2007. They are THROUGH with credit cards.

What went well this month ...

We transferred our Bank of America card balance to another card at a much lower interest rate. We also got the interest rate reduced on one of the Discover cards. We "spent" our tax refund before we actually received it, and it went much further! Half of it funded our emergency fund which is now over $2,900!

What were the challenges/struggles this month ...

Not really any this month ... except we want it all paid off!

Updated Debt Freedom Date ...

Sangl Says ...

I am excited about the progress of Couple #3! One debt is already paid off, and more are getting ready to fall! It is AMAZING how fast debt can leave when you have your IHHE Moment!

I challenge everyone to seek lower interest rates on any debt you are carrying. Many times you can obtain a lower interest rate just by calling your credit card. Or you can avoid the conflict altogether by rolling the balance over to a "0% for 12 months" card.

Readers ...

Will you take a moment to leave a comment for Couple #3 and thank them for sharing their personal financial information with everyone? It takes a lot of courage to do this, and I am PUMPED to watch this debt fly away!

Read the Debt Freedom March updates for Couple #1 and Couple #2

Want to start your own Debt Freedom March? Check out the free tools HERE. My book also teaches you how to use all of the free tools. You can purchase your copy at AMAZON.COM or via PAYPAL!

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Marching To Debt Freedom – Couple #2 – Month 06

March 5, 2008 in Couple #2, Debt Freedom March with 0 Comments

Introduction

This couple is THROUGH with debt! It has now been five months since they announced that they were breaking up with debt.

Here is this month's update!

What went well this month …

Things are going great, and we are sticking to the plan.

Challenges and struggles this month …

I really don't have anything different to say as far as the challenges and struggles for this month.

Here is their updated Debt Freedom Date calculation …

Month By Month Progress …

What are the biggest changes you have seen as a result of the first six months of this march ...

The biggest changes we have seen as a result of the first six months of this debt freedom march is that we don't take our money for granted anymore. Before we met Joe we spent our money very foolishly and unconsciously. As a result, we are still paying for our past purchases today (aka: DEBT!). We appreciate our money now and make it a point to think about each purchase we make. I have to say, the march to debt freedom is one of the best things we have ever done. We have not accumulated any new debt and we are well on our way to paying off what we owe.

I am very proud of my husband and myself and extremely thankful for Joe and his brilliant plan. We really started this year off right. As of right now we have a plan for just about everything; Christmas, vacation, vehicle maintenance, taking care of the yard for Spring & Summer, car insurance, car taxes, pet care, birthdays, holidays, etc. Knowing we have the money set aside to take care of the "known upcoming expenses" takes a lot of stress off of us each month. There are no surprises!!

Overall, it feels great knowing we have a plan. This makes us feel in control of our money and our future. If there is anyone questioning whether or not to give Joe a call, please do not hesitate. If I had one regret it would be that we did not meet with Joe and start our journey to debt freedom sooner!!!!!

My husband and I want to say Thank You to Joe for all of his encouragement and support. He has been a wonderful blessing to us and our future. God Bless You, Joe!!

Sangl says ...

[BLUSH] I am humbled by the kind words that Couple #2 has shared. All I did was show Couple #2 the tools that I used to become financially free. They have taken it to heart, and I can not wait until I receive an invitation to their debt freedom party. My prediction is that this couple will be debt-free (except for the house) in 24 months or less. I know. I know. The Debt Freedom Date Calculation says 36.3 months, but I have seen way to many people who have had their IHHE Moment. They become debt-free way sooner than the calculation.

Way to go Couple #2!

Readers ...

Everything I taught Couple #1 and Couple #2 and thousands of others is in my newly released book, I Was Broke. Now I'm Not. It can be purchased via PayPal or Amazon. It is NOT rocket science. I wrote this book in such a way that it can be read in less than 1.5 hours and can be immediately applied to your financial situation.

Would you share with Couple #2 how their sharing of their personal financial situation is inspiring you?

Read Previous Updates For Couple #2

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Marching To Debt Freedom – Couple #1 – Month 06

March 4, 2008 in Couple #1, Debt Freedom March with 2 Comments

Introduction

Couple #1 is THROUGH with debt! They have been married for many years and have two children. They are now SIX months into their march. Here is this month's update.

What went well this month ...

WOW! This is like when you can fit into your skinny jeans again. God blessed us and sent us a bonus check and instead of blowing it, I put it to good use. I paid off my car, and paid $3,000.00 on the other car. I am stoked! In about three months, I will be shed of all debt except the big stuff. We are also getting a tax refund, and I am hurling that at debt too. I feel like David reaching for the stones, baby!

What were the challenges/struggles this month ...

The only struggle is feeling guilty because we did not do this early on. I would be a freaking gazillionare by now. God rocks. Joe rocks. Not being broke rocks. Yee Ha!

What are the biggest changes you have seen as a result of the first six months of this march ...

This has made us focus like a laser beam on our finances - both good and bad. It has let us have a glimpse of what life will be like with no debt, and I like it. I can only wish that anyone who reads this takes it to heart. Don't let credit cards ruin your happiness. I will always remember my IHHE Moment!

Updated Debt Freedom Date ...

Month By Month Progress ...

Sangl Says ...

ANOTHER DEBT IS GONE! Couple #1 has definitely had enough. Look at the progress they have made in just six months! Their initial Debt Freedom Date calculation was 42.9 months. They are now down to 35.1 months AND they have avoided all new debt. They had to slow down during Christmas so that they could avoid debt that month, but it allowed them to stay on the path toward financial freedom. In just six months, Couple #1 has made FOUR different debts leave their life!

Way to go, Couple #1! I am FIRED UP by the progress you guys are making!

Readers ...

How are you doing on YOUR debt freedom march? You can do this!

Read Previous Monthly Updates For Couple #1 HERE

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Sangl Home Pay-Off Spectacular – March 2008

March 3, 2008 in Home Pay-Off Spectacular with 1 Comment

Every month there will be an update of Joe & Jenn's Home Pay-Off Spectacular! The fifth monthly update is TODAY!

Here's this month's update!

Total Squares: 2,426

Paid-For Squares: ~~727~~ 731

Squares Remaining: ~~1699~~ 1695

% of House Owned By The Sangl's: ~~30.0%~~ 30.1%

% of House Owned By Wells Fargo: ~~70.0%~~ 69.9%

Here is the updated "Sangl Home Pay-Off Spectacular" (Click on the picture to view the larger version)

Yes. We slowed down this month. We have some known, upcoming expenses approaching, and we are slowing down for a short period of time. One of the most essential things that I have learned about money is that there WILL be known, upcoming expenses and they WILL come due. Jenn and I are ensuring that we are more than prepared for these expenses.

By the way, we are STILL committed to paying the mortgage off by October 2011 with the same stretch goal of October 2010!

Read previous Sangl Home Pay-Off Spectacular Updates

Get your own Debt Pay-Off Spectacular HERE and join the FUN!

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Financial Freedom Experience – Goldsboro, NC-style!

March 2, 2008 in Event with 2 Comments

I had a blast carrying the crusade over to Gateway Community Church in Goldsboro, NC this weekend!

Pastor Thayer Stamper, David Morrow, and the entire team at Gateway made the Financial Freedom Experience a first-class event!

It took less than one hour to be completely set up for the event and at 6:30PM Friday evening, the FFE launched. It was awesome!

Here is what I LOVE about teaching this material - lives are changed every single time! There were tears and laughter as we progressed through the FFE, but more than anything else HOPE was restored, marriages were encouraged, and dreams were brought front and center.

Every time that I teach, I start and end with stating my passion ...

To help others accomplish far more than they ever thought possible with their personal finances. Why? Because when people are financially free they are much more likely to go do EXACTLY what they have been put on this earth to do - Regardless of the income potential!

Gateway CC - Thanks for allowing me the opportunity to do do EXACTLY what I have been made to do!

This coming weekend, the crusade will continue on to Lumberton, NC where I will be speaking during the Sunday morning services at Hyde Park Baptist Church and then teaching the Financial Learning Experience in the afternoon. I can't wait!

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