Comments for Rebound - Life After Foreclosure, Dave Ramsey style

Comment on Rebound 002: The Foreclosure by Allan

Allan — Thu, 29 Sep 2011 16:22:10 +0000

I came across your podcast surfing for financial advise on a Dave Ramsey search.. I started listening on my train commute the last few weeks and have to say that you guys have really helped in my situation… I to have had my dream house foreclosed on and am on the rebound. My relationship with my wife, family , and friends have been put to the test and felt that all the pressure put me on the brink of darkness. I had no one to turn to except to listen to you guys. We have also went back to church and are taking the baby steps to finanicial freedom. Thank you for having the courage to put your story out in the open.

Comment on Our Debt Snowball by Daniel

Daniel — Thu, 28 Jul 2011 12:57:54 +0000

hi guys, i’m from australia and started about a month ago working on paying off our 85k debt. i used to held a top job in the IT field but decided to trade online for a living. little did i realized that the debt we accumulated will affect us in the future.. so i made a goal and took a cleaning job at night at a school, and another one very early morning shift in an amusement park close to where i live. actually i don’t care whatever job as long as its stable enough to help me get rid of the debt as fast as i can. one significant lesson i’ve learned from taking the cleaning job though is that some of the cleaners own their own house outright and don’t use credit cards, they use cash and are actually doing better than some of the teachers i know fro the school. . anyway keep up, you’ll get there. -Daniel

Comment on The Getting Started with Coupons Guide by Bree Bruggeman

Bree Bruggeman — Tue, 29 Mar 2011 02:08:10 +0000

Thanks a lot for providing these coupon sites! Everybody can save money using these sites. I would like to suggest Kind Coupons. It is a similar site and donates half of its profits to charities.

Comment on Rebound 049: Avoiding Holiday Temptations by Corrin Tompsett

Corrin Tompsett — Sat, 12 Mar 2011 00:54:43 +0000

Using coupon codes is a great way to save money. I like to recommend KindCoupons.org for more coupon codes.

Comment on Rebound 053: A New Chapter by Kathy

Kathy — Tue, 01 Mar 2011 02:50:52 +0000

Dear Lisa & Spencer: I wish you both well on your journey. I’ve listened to all your episodes. I was surprised by your decision because you Lisa seemed so laid back, easy going. I would not have done well balancing all that you have for so many years. To be honest, I agree that Spencer getting a full time job is a good idea for the whole family. Perhaps you will find the road ahead is easier with two full time incomes. My very best to you both. Your youth is in your favor…

Comment on Rebound 053: A New Chapter by Carla

Carla — Wed, 16 Feb 2011 10:12:06 +0000

Lisa I got a little emotional listening to your last podcast today. Mostly because I understood how you felt and could relate. The need to find balance in your life should take priority over everything else so good for you both for making the decision that you did. Put yourself first and everything else will fall into place. I will miss the podcast but look forward to any updates you give on the website. Thank you for sharing!

Comment on Rebound 053: A New Chapter by Ty

Ty — Sat, 12 Feb 2011 01:01:03 +0000

Spencer and Lisa,

I haven’t ever commented on your podcast but you should know your story is inspiring.
I have been listening since the beginning and looked forward to hearing how you all were progressing each month. I cant lie I am disappointed that you all are not doing the podcast anymore. I do however wish you well on your journey to being debt free and balancing out your family life and time.

God Bless,
Ty

Comment on Rebound 053: A New Chapter by john

john — Fri, 11 Feb 2011 15:04:56 +0000

Lisa and Spencer,

I want to thank you for being such and inspiration to me.
You both have had to deal with so much and you have brought hope to so many people that have struggled with similar problems. You both will be in my prayers as you continue to rebuild your lives.

Sincerely,
John P

Comment on Rebound 053: A New Chapter by Amy M

Amy M — Thu, 10 Feb 2011 22:26:15 +0000

I just wanted to thank you both for sharing with us. My husband and I have been going through similar circumstances and it really helped listening to your story and experiences. Good luck! We’ll miss you.

Comment on Rebound 053: A New Chapter by Donna

Donna — Thu, 10 Feb 2011 03:20:01 +0000

Lisa – While I listened to your podcast tonight I completely understood where you’re coming from. I replayed the part about feeling guilty and having a hard time saying no to extra projects. I’m right there. I can relate. I feel those things while we are trying to get out of debt. It’s not fun and I will be praying for you (Lisa especially – you too Spencer).

Thank you for always being so upfront and honest about your story and your progress. It’s so refreshing to hear the truth with out the sugar coating!

Donna S

Comment on Rebound 052: Your Motivation Toolbox by Lisa Ashby

Lisa Ashby — Fri, 04 Feb 2011 02:32:04 +0000

Susan, great suggestion! Thanks for sharing.

Comment on Rebound 052: Your Motivation Toolbox by Susan

Susan — Sun, 30 Jan 2011 18:08:20 +0000

you reminded me of a favourite site I lived on after my son was born and I was desperate to solve our financial problems. Btw son is 14 and debt still not solved. Anyway the site is the dollar stretcher http://www.stretcher.com

Comment on Rebound 052: Your Motivation Toolbox by Dee

Dee — Thu, 20 Jan 2011 16:03:30 +0000

Two words…AWESOME PODCAST! You guys really did a great job…although I have to admit I missed the outtake at the end. Keep up the great work and I am really looking forward to the next show.

Cheers!
Dee

Comment on Our Debt Snowball by Lisa Ashby

Lisa Ashby — Thu, 20 Jan 2011 02:26:30 +0000

Laura, I just sent you an email…

Comment on Our Debt Snowball by Laura D

Laura D — Thu, 20 Jan 2011 02:06:35 +0000

Hi ! Just listened to your pod cast for the first time today. So nice to hear how others are working the Dave Ramsey System. Since I havnt listened long I am curious about your car debt. Are you upside down. My Husband and I have a Kia that we owe 9,000 dollars on more than its worth! We don’t know what to do. My husband did not know the Dave Ramsey plan before we married and he kept tacking on debt to upgrade cars. Any advice you have learned or how you are handling your car debt. Would be great to hear !
Thanks Laura

Comment on Rebound 047: Christmas Gifting on a Budget by Spencer and Lisa Ashby

Spencer and Lisa Ashby — Mon, 17 Jan 2011 02:30:07 +0000

I love, love, love this idea! I think we’re going to have to do the story jar next Christmas. What a wonderful gift!

Comment on Rebound 047: Christmas Gifting on a Budget by Cathy

Cathy — Thu, 13 Jan 2011 15:36:04 +0000

First of all, great podcasts. You mentioned putting together a family cookbook. I did that 3 years ago and it was a big hit. I am planning on getting more recipes together for Christmas this year. About 5 years ago, I put together a story idea jar for my nieces and nephews. I printed out story ideas and put them in a jar. Ideas such as telling about their first pet, about their grandparents, their favorite food and so on. I also included a spiral notebook and a pack of pens and pencils. All the kids loved the story jar.

Comment on Our Debt Snowball by Lisa Ashby

Lisa Ashby — Thu, 06 Jan 2011 17:48:29 +0000

Hi Dave,
I appreciate your viewpoint. We actually removed that blurb from the intro starting with Episode 51 (the first episode of 2011) because we don’t want the donations to be all about our snowball. That being said, some of our listeners do enjoy donating to us to help our snowball because of the content we provide on our podcast, and we do put in a lot of time and effort to produce the show. So in all fairness, we do earn our donations. We will continue to do the show and provide the best content we can whether or not any of our listeners decide to donate and ultimately, we’re paying off our snowball by working hard and being diligent. I hope that helps!

Comment on Our Debt Snowball by Dave W.

Dave W. — Thu, 06 Jan 2011 17:29:17 +0000

I listened to your show up until you began opening it asking for donations to support your debt snowball. I started my snowball in Nov 2010 and am doing it on my own. I understand the need for donations for the podcast, but really, asking people to pay your debt is wrong. How about paying for the podcast with donations and DONATING the rest after the podcast bill is paid to your church or a charity.

Comment on Rebound 050: 2010, What a Great Year! by Jackie Walters

Jackie Walters — Sun, 02 Jan 2011 15:22:51 +0000

Dear Lisa and Spencer,

As I reflect on 2010 and look forward to 2011 I was wondering whatever happened with the $100 bet you both had? I don’t recall how that bet ever ended. And what about the rabbit cage – did you ever sell it?

- Jackie.

Comment on Rebound 050: 2010, What a Great Year! by Jackie Walters

Jackie Walters — Sun, 02 Jan 2011 15:20:10 +0000

Spencer – your weight loss goal can become another reality for you in 2011. Sharing it with your listeners was a great idea to hold you accountable.

I like Toby’s advice of writing it down just like your debts – it feels more tangible that way.

Best Wishes – Jackie

Comment on Rebound 049: Avoiding Holiday Temptations by Spencer Ashby

Spencer Ashby — Fri, 31 Dec 2010 14:50:34 +0000

Thanks Ken! We’re doing the slow and steady approach too.

Comment on Rebound 050: 2010, What a Great Year! by Toby

Toby — Wed, 29 Dec 2010 21:18:44 +0000

Congrats Spencer on the weight loss goal!
If you want to keep track of your money, write down every cent.
If you want to keep track of your weight, write down every single thing that you eat and the amount. EVERY BITE! As Weight Watchers says “no licking the spoon”. Two pounds a week is possible but it takes discipline. You can download “The Nutrient Value of Some Common Foods” which should help you get an idea of what your intake is. You can find it here: http://dsp-psd.pwgsc.gc.ca/Collection/H58-28-1999E.pdf It your free gift from the Canadian government.
When you start writing your food down you will quickly see where you need the most help. For me it is snacks. If I have healthy things ready to go when I am hungry and impatient it helps keep the junk food out of my diet. I also really like Dr Phyl’s “No fail environment”. Don’t have chips, soda, pastries etc in the house. They have no food value and put your calories up quickly. Think of junk food as “Compounding Debt calories” and run away from them!
Exercise is great but food choices are what will make you lose the weight.

Enjoy the journey!

Comment on Rebound 047: Christmas Gifting on a Budget by Brandy Koster

Brandy Koster — Fri, 17 Dec 2010 23:27:38 +0000

Thank you for the great idea of making infused vodka! It was the perfect gift for a friend & she is now making a few batches for some of her friends. I bought my bottles at Michael’s for under $1 each (and no shipping). Also, thanks for the fabulous podcast. It is great to hear about “friends” getting out of debt.

Comment on Rebound 049: Avoiding Holiday Temptations by Ken

Ken — Fri, 17 Dec 2010 03:29:49 +0000

Hi, I just wanted to stop by and say what a wonderful job you guys are doing. I’ve been listening to yourPodCast for a few months now and it’s very inspiring. It really helps to read about regular people like “me” trying to get out of debt. My husband and I went through FPU about a year ago and we are working the baby steps slowly, but steady. Thanks again for all you do and keep up the good work!

Comment on Rebound 044: A Marriage Worth Saving by Lisa Ashby

Lisa Ashby — Wed, 15 Dec 2010 02:39:20 +0000

Terry, thanks so much! Your comment means a lot to us.

Meg, I’m so happy that you and your husband were able to work through the rough spots and are on the same page with your finances. It truly does make a big difference to be organized and willing to tackle the mess together!

Comment on Rebound 048: Living a Balanced Life by Lisa Ashby

Lisa Ashby — Wed, 15 Dec 2010 02:15:17 +0000

Hi John,
There’s a form we discussed in FPU this summer and for the life of me, I can’t remember the name of it. It’s a form that lays out all of your irregular expenses and then breaks them up into 12 monthly “payments”. So for us, for instance, we put away $70 per month for car repairs, oil, tires, etc. We put this “payment” into our savings account and keep track of it on our spreadsheet. Whenever a car repair comes up, we tap into that fund and subtract the amount we spend from our worksheet. We’re still feeling out exactly how much to allocate for certain items, but so far it seems to be working pretty well. Hope that helps!

Hi Toby,
Great suggestions! The crock pot is probably the one thing I don’t utilize as much as I should. I’ve tried the weekend cooking thing but can’t myself organized enough for it. But the crock pot… that one I’ll have to start remembering when I do my meal planning each week. I do usually cook more when I make our meals, and we use the leftovers for our lunches the following day. I haven’t tried making double in one night, but that’s a really great idea – freezing the other portion would be helpful. Now you’ve got the gears in my brain turning! Thanks for these suggestions!

Comment on Rebound 048: Living a Balanced Life by Toby

Toby — Sat, 11 Dec 2010 14:54:59 +0000

Hi Lisa,

I’m sorry to hear you are so tired with all you have to do. Are you cooking more than one meal at a time? When you make one meal, it is just as easy to make double and save it for the next night or freeze it for later. Pasta meals usually taste better the next day if you have a firm pasta like penné or lasagne.

A slow cooker or crock pot is another easy way to have meals waiting when you arrive home. If you don’t have one I recommend one with a ‘keep warm’ setting so it will switch to warm when it is done rather than keep cooking. Life is busy and if you are delayed coming home your dinner will not be overdone. If you are not a morning person you can put the ingredients all together in the crock pot liner in the evening, sit the entire contents in the fridge overnight then pull it out and turn it on in the morning before you leave for work. This is a great way to do soup, or stew. Add some bread when you get home and enjoy your family.

Weekend cooking is another way to get a break on weekdays. If you involve your children in the menu planning and cooking you will be teaching them good skills and have a great family activity. Cooking was something our daughter loved to do and she is now a great cook and Mom. Boys who can cook make great dads.

Anyway, this is just a little vote of confidence from Canada. You are doing a great job and we are cheering for you!

Comment on Rebound 048: Living a Balanced Life by john

john — Wed, 08 Dec 2010 13:56:33 +0000

Hi guys,

I feel your pain with the car repairs and thank you for your great podcast.
Within one week me and my wife both had car problems that required towing. We had to spend close to $500 on maintenance and repair last month.

The one thing I have always had trouble with budgeting is how to handle items that are not monthly. For example we know at the beginning of a month we will need oil changes, tires, whatever. It seems odd to budget $100 for car maintenance when most months there is no money needed. Other examples are water bill that is quarterly, vet bills that are typically twice a year for check ups. What I have started to be better about is thinking of the budget one month at a time. So this month we budgeted a lot for the vet, but put nothing in the budget for car maintenance (knock on wood we no issues this month), clothing, and other items that will not be spent this month. All the money that is not being applied to those areas is moved to paying off our debt snowball or shifted toward the non monthly expenses.

How do you budget for expenses that do not get spent every month?

Thanks,
John

Comment on Rebound 048: Living a Balanced Life by Nate

Nate — Wed, 08 Dec 2010 03:34:00 +0000

Hey Spencer and Lisa!

Great podcast! Balance is a great topic and something I struggle with all the time. I’m very much an all or nothing guy so it is hard for me to balance things.

Thanks for the shout out! Yeah, I was SOOO thrilled to see my URL was available! It did take me about 2 or 3 months to really figure out what I wanted to do and searching for the URL did help with that.

Lisa, I am definitely planning to start a forum. Right now I’m trying to concentrate on getting some good content out there.

Spencer, let me know when you want to redo the podcast. I’m starting to look into a microphone that will help with the quality from my end. Let me know if you have any suggestions.

Thanks and look forward to working with you all (and hopefully with some of your listeners)!

Comment on Rebound 047: Christmas Gifting on a Budget by Nate

Nate — Mon, 06 Dec 2010 18:17:10 +0000

Hey Spencer and Lisa!

Great post! Something we do is start putting away each month for our gifts budget. My wife is also very crafty so she makes several gifts

Comment on Rebound 046: People Think We’re Weird by Lisa Ashby

Lisa Ashby — Thu, 02 Dec 2010 12:19:48 +0000

We think it’s pretty funny, too. Personally, I don’t mind being weird! lol

Comment on Rebound 047: Christmas Gifting on a Budget by Lisa Ashby

Lisa Ashby — Thu, 02 Dec 2010 12:18:44 +0000

Thanks guys!

Comment on Rebound 047: Christmas Gifting on a Budget by Toby

Toby — Thu, 02 Dec 2010 11:33:41 +0000

We found you in the “Business” category and voted for you. Best of Luck!

Comment on Rebound 046: People Think We’re Weird by Toby

Toby — Thu, 02 Dec 2010 11:13:40 +0000

How weird is it that taking control of your money and your future makes you weird? We are enjoying your podcasts and look forward to seeing you thrive in the future!

Comment on Rebound 046: People Think We’re Weird by Toby

Toby — Thu, 02 Dec 2010 11:11:47 +0000

How weird is it that taking control of your lives and your future makes you “wierd”. We think you are doing a great job and look forward to watching you thrive!

Comment on Rebound 047: Christmas Gifting on a Budget by Amanda Smith

Amanda Smith — Thu, 02 Dec 2010 02:52:25 +0000

Just voted for your awesome podcast!

Comment on Rebound 044: A Marriage Worth Saving by Meg

Meg — Wed, 24 Nov 2010 21:21:28 +0000

This podcast hit a chord with me because my husband and I were on the brink of divorce during some pretty rough financial times a few years ago. We were married for less than 2 years and everything was crumbling around us. However, our relationship has grown (thanks to counseling!) and we are better than ever! I’m glad you and Spencer worked through it as well. It’s amazing when your finances crumble, everything else around you seems to as well. When they are organized and in order, it seems life turns out the same.

Comment on Rebound 039: Financial Peace of Mind Recap by Meg

Meg — Wed, 17 Nov 2010 20:49:38 +0000

I am a new listener and really like the show! I have subscribed to your show so I dont miss out!

You mentioned on this show today how discouraging it is to hear people from Dave’s Friday “I’m Debt Freee….” show and all of them make $75,000+ annually.
Hubby and are are DINKS (double income, no kids) and we do not make that much (close, but not that much) and are chiseling away at our debts. We hope to be debt free mid-next year. Right now, we are paying down hubby’s car (less than $2,000 owed on it! We hope to pay it off by the end of the year!)

One thing that really concerns me is the fact that you dont have insurance. This scares me!!! I got H1N1 last year – something that was not in my control, and it put me in the hospital (ICU for 7 days – self-induced coma for 5 days) for a total of 17 days. The tab was nearly $200,000 for my stay. Have you looked into zanderinsurance for this?
I would hate for something to happen to either of you to delay your debt-freedom.

One question as a new listener. Did you consider bankruptcy?

Thanks!

Meg

Comment on Rebound 044: A Marriage Worth Saving by Terry

Terry — Mon, 08 Nov 2010 16:04:53 +0000

My wife and I listened to the podcast recently and think it was one of your best. I Hope you realize that your trials and tribulations that you and Spencer endured are now valuable lessons that young couples can hear and learn from. At one time your emotions were raw and it seemed that those times would never end. God is not only blessing you now but is continuing to write your story with exciting chapters yet to come. Great work guys.

Comment on Get the Newsletter by Becky

Becky — Wed, 03 Nov 2010 23:49:16 +0000

Love the podcast! Thanks!!

Comment on Our Debt Snowball by Lisa Ashby

Lisa Ashby — Wed, 03 Nov 2010 20:33:44 +0000

Hey Kristi,
Actually, we’re not looking for a dream job by any stretch of the imagination. We’re just looking for something that is stable and provides a good income. After doing some searching online with the BBB among other sites, we determined that the job would not be a good fit for us. We spent many years making desperate decisions because we were in desperation mode, and we’re unwilling to do it again. Spence is willing to take any job as long as it’s legit. Hope that helps to shed some light on it all!

Comment on Our Debt Snowball by Kristi B

Kristi B — Wed, 03 Nov 2010 19:20:42 +0000

After I found your podcast I went back and listened from the beginning. I’m up to date with your podcasts now and have enjoyed listening to them. One question though…..is it not better to take a “decent” job that pays better and allows you a normal sleep schedule again vs. continuing to keep a newspaper route? Spence, you’re not 12 anymore…get a REAL job, even if it’s not your DREAM job.

Comment on Rebound 043: Identifying the Why by Robert

Robert — Thu, 28 Oct 2010 08:48:37 +0000

Yet another wonderful episode guys. I’ll miss “author unknown” and their words of wisdom. Continued luck with the job hunting Spencer, you’ll get that perfect fit soon. Although I’ve not been through your situation personally, the wisdom you’ve gained will really help a lot of people. If you wrote it as a “what not to do” book, similar to what dave’s books are about you’ll probably reach a broader audience. I hope that makes sense.

Have a great week!
Rob

Comment on Rebound 026: Having Fun on a Budget by Lauren

Lauren — Wed, 27 Oct 2010 14:28:00 +0000

Our airport here in Charlotte has an overlook area for cars to park so they can watch the planes. My daughter LOVES this! We normally take a picnic and watch the planes for at least an hour or so and it’s FREE!!

Comment on There will not be an episode this week. by Spencer and Lisa Ashby

Spencer and Lisa Ashby — Wed, 27 Oct 2010 02:22:27 +0000

Thanks Lauren!

Comment on Rebound 034: Financial Peace of Mind Weeks 7 and 8 by Spencer and Lisa Ashby

Spencer and Lisa Ashby — Wed, 27 Oct 2010 01:01:35 +0000

Thanks Susan! I’ll take a look at it.

Comment on The Getting Started with Coupons Guide by Lisa Ashby

Lisa Ashby — Wed, 27 Oct 2010 00:55:42 +0000

Christina, we feel EXACTLY the same way about couponing! Thanks for sharing the link.

Comment on Rebound 034: Financial Peace of Mind Weeks 7 and 8 by Susan

Susan — Tue, 26 Oct 2010 18:38:21 +0000

FYI I checked out the frank site today and it doesn’t display well in IE 6.0 Parts are not “readable” because of font colour and some other issues.

Comment on Swagbucks by Spencer and Lisa Ashby

Spencer and Lisa Ashby — Sun, 24 Oct 2010 13:37:19 +0000

Hey Susan,
Check your email.