NIce Job OP!!!!
yep, another modified DR plan. Well not really Dave Ramsey as I was doing this before I heard the show.
- debt free (totally but I rent)
- only have month to month bills; electric, cable and cell phone, insurances
- student loans knocked out within a couple years of graduation
it certainly takes the stress out of life to know you live well below your means and you have no one knocking on your door for payments.
I do use a CC but very sparingly, I learned my lesson in college when my minimum payment was just a couple bucks over the interest.
I do get car loans but they're generally pretty small and keep me with emergency cash in the bank. That said my car is going on 8 years old now. Long since paid off the 2 year note on it.
keep some cash in the bank! Shit always happens to you when you're broke!