Forum: Financial Planning and Budgeting
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Post By luvmygirls333
October 11th, 2011, 09:31 AM
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Lovin life and family
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Join Date: May 2009
Location: Washington
Posts: 22,034
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What was the best financial decision you ever made?
What prompted you to make it?
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October 11th, 2011, 10:22 AM
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Platinum Supermommy
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Join Date: Oct 2006
Posts: 28,812
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Tracking every penny we spend is the best decision we made! I started doing it because we had no clue how much we were really spending on things.
It got us on the right path, we paid off our debts and are now building our savings.
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Thanks to tasha_mae for my siggy!
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October 19th, 2011, 07:46 AM
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Platinum Supermommy
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Join Date: Aug 2005
Location: USA
Posts: 7,429
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I don't think I could choose just one...budgeting monthly, paying off our debt, and closing all of our credit cards would be my top 3 though. By doing it all we have stayed out of debt 100% for a few years now and manage to put a decent amount into savings monthly.
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October 20th, 2011, 11:39 AM
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Nicole
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Join Date: Jan 2010
Posts: 9,774
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I did the same thing twice, I gave up the dream house I financially qualifed for for a house I can better afford. The second choice put us in a home morgage free.
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October 20th, 2011, 12:29 PM
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Mega Super Mommy
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Join Date: Nov 2010
Posts: 3,972
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Being smart with my inheritance. I used the little money I got to pay off all debts and its helped me stay debt free (aside from a mortgage we can truely afford).
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October 20th, 2011, 01:22 PM
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Super Mommy
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Join Date: Jul 2009
Posts: 623
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Finally deciding to live within our means and pay down debt. We used to put everything on the CC and just buy whatever we wanted, and paid the minimum balance every month (which was over $1000 at one point). It's been almost 2 years since we started budgeting and paying down the CC. We also stopped using it. We started off with 32K in debt, and now we are down to $3900 left to pay off.
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October 27th, 2011, 04:33 PM
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Mega Super Mommy
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Join Date: Jan 2005
Location: Buckeye, AZ
Posts: 1,539
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Wow PP, that's awesome! For us it was going to all cash. We never realized how much we were actually spending when we just had to swipe a card. Really helped us alot!
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Real Estate sellin' mama to Heaven,Sadie,Maddie,Jordan and Cisco
From now until 2/29, donating HALF of all proceeds to Olly |
November 4th, 2011, 12:52 PM
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Platinum Supermommy
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Join Date: Mar 2011
Posts: 8,545
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I'm impressed by all of you! Once upon a time I had that financial security, now it's not the same. I'd say my best financial decision in my married life was to not go out to WA for a family (cousin) wedding when we knew it would be more than we could afford and put us further into debt, or prevent us from doing any house repairs for the year.
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November 7th, 2011, 09:54 AM
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Expecting #2!
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Join Date: Jul 2011
Location: Small Town, Alberta, Canada
Posts: 4,848
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Our best financial decision would definately be to start living on a budget and be more careful with what we are spending, especially now since our family income has decreased.
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November 14th, 2011, 08:25 AM
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Platinum Supermommy
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Join Date: Feb 2005
Location: Offutt AFB, NE
Posts: 19,799
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Using Dave Ramsey as our guide to financial decisions.
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March 22nd, 2012, 06:05 PM
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Mega Super Mommy
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Join Date: Oct 2009
Location: Ohio
Posts: 2,924
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Hands down, the decision to become debt free! It has forced us to work together on our money and make a plan and most important of all, to stick with it!
Another thing would be buying a house way below what we can afford- our mortgage is less than 15% of our income thanks to a great rate, a decent down payment and low cost of living area!
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Best financial decision you ever made
