I suspected I'm doing the absolute best I can, but I posted my situation on the msn boards. (My sitch: possibly as much as $25K in CC debt due to nasty custody battle; working 2 jobs; finished Dave Ramsey's Baby Step 1 but will be stuck for years on Baby Step 2 and need to get to Step 3.) I got a couple of responses that said to keep doing what I'm doing. Also, I was validated in my suspicion that as much as I love Dave, I just cannot follow his plan 100%. The comment was that the important thing was that I have a plan, and not just financially flounder around aimlessly. And I do have a plan! It may only be MY made-up, customized plan, but so far it's the best I can do.
I'm just concerned that DH will need another car here in the next year or 2. I would love for his $2500 1994 Mitsubishi to last several more years, but we've already spent at least another $1500 on repairs since we got the car last summer. His next car I'd like for him to move up into the $4000-4500 range, which means I need to start saving now, even while paying down the CC bills. Dave does not advocate this, but then again, he also advocates suspending your 401K contributions until you get out of debt, which horrifies me! I follow David Bach in that area, and pay my damn self first! Like I've said before, you cannot beat the concept of compound interest. It's about the best, most reliable deal out there!!!
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