Im here :)

I’m a newbie and I’m happy to finally see some chatter here. I’m new to Dave Ramsey’s system and loving it! We’ve been using the snowball effect to pay down some silly debt we have (credit cards- ugh!) and it’s working wonderfully! We’ve paid off 4 in the last few months and it feels great. I haven’t actually started the envelope system yet – but I plan to. I have however developed a budget, etc.
Look forward to talking with you more