I'm back and what a mess I have made of things
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|Thu, 02-16-2012 - 5:27pm|
I have not been here since early last summer, some may remember me. I came on here fall 2010 and started sinking funds and Dave Ramsey from advice I got here. I had 285 mortgage, 195 Heloc, and 31K cc debt, 17K efund. By last summer I had gotten cc debt down to 17K and efund up to 31K, also paid off 13K car loan, paid 4200 tax refund to heloc, etc.. Sinking funds changed my life and how I handled my finances. Then I lost my 2 spreadsheets for long term and medium sinking funds last summer when computer died, so I had NO idea what was left in all of my carefully managed funds. Long story short, I gave up. I knew our home repair sinking fund of 1200 was used up at that point, so was our car repair fund of 1200.