jgumm : MyBlogHer Profile

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Hello, I'm jgumm!

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How to dump your debt without losing momentum

1/13/11 7:29pm by jgumm
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This is the 8th post in my financial series chronicling our debt free journey.So on to baby step #2 and the real reason that most people are looking for help. DEBT. We think it's normal. It's part of life. Everyone has a car payment. Everyone has student loans. Everyone has a Visa bill. Well, we were tired of being normal. Dave Ramsey has a saying "Normal is broke. Be weird!" I can't remember EXACTLY where we were on our credit card debt when we first began this journey but our debt looked something like this:  Read more >

Before you can get out of debt you need an emergency fund (a baby one)

1/6/11 8:46pm by jgumm
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Once you've made a budget and begun using the envelope system, it's time to attack those baby steps of Dave's. For a refresher, they are: $500-1000 in an emergency fundpay off debt except house3-6 months expense in emergency fund invest15%; college funding;pay off mortgage build wealth The sad truth is that up until that time our savings account probably fluctuated somewhere between $50 and $350. Maybe. It was obviously so minuscule that I don't remember.  Read more >

Using the "Envelope System" to help you stay on budget

12/24/10 9:46pm by jgumm
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This is the next post in a series about our journey to being debt free... At some point after graduation when we had real jobs and were facing a budget crisis we SORT OF tried the cash envelope system. It kind of worked but was frustrating and not fool proof and we soon gave up. The problem was that we didn't have a good budget in place and so it was doomed to failure. Really it's an age old system and has been around for a long time. Another signal that it's a good idea.  Read more >

The "B" word: B-U-D-G-E-T

11/19/10 9:25am by jgumm
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So Dave Ramsey lays out these 7 baby steps ($500-1000 in an emergency fund; pay off debt except house; 3-6 months expense in emergency fund; invest15%; college funding; pay off mortgage; build wealth – MORE DETAIL). (We’ve kind of adapted our baby steps/financial plan but that’s a different post.) Well to get to any of those places there’s one thing that needs to be in place and that is a budget. Preferably one that works. Our previous attempts had not.  Read more >

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Four Plus More

Family blog where I talk about adoption issues, orphan advocacy and living debt free.

World Orphans

I serve as Director of Communications

Information

Full Name
Julie Gumm
Member Since
March 2010
About Me: 

I'm an almost 37-year-old mother of 4 kids - 2 biological and 2 adopted from Ethiopia. I'm married to my high school sweetheart. We are both passionate about living debt free and advocating for orphans around the world. 

Profession: 
Director of Communications, World Orphans
Location: 
Phoenix, AZ
Employers: 

World Orphans

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