Debt Payoff, Saving Money

How to Make a Debt Snowball

We are now officially in baby step two of Dave Ramsey's baby steps to financial freedom, the debt snowball. This is by far the hardest, and probably longest step of the baby steps. We have a total of $40,000 to pay off before we are debt free from everything but our house. That's a whole… Continue reading How to Make a Debt Snowball

Debt Payoff, Saving Money

Cash is Better Than Plastic

I've learned over the past few years that if I ever wanted to stick to a budget, I had to use cash. I don't know what it is about using a debit card that makes me not stick to a budget. Maybe it's because I need to physically see the cash leave my hand to… Continue reading Cash is Better Than Plastic

Debt Payoff

One Baby Step At a Time

In the process of saving money and paying off debt, I thought it was important to talk about our process that we're following to achieve success. First off, let me just say how much I love Dave Ramsey. I have followed him and learned from him since I started college in 2009. He is such… Continue reading One Baby Step At a Time