Family Balance Sheet

JANUARY 17, 2018

Our Debt Freedom Plan (an update): In 2013, we found ourselves with a lot of debt and not enough cash flow. We loosely based it on Dave Ramsey’s 7 Baby Step process, but modified it to address our needs. Save a starter Home Emergency Fund. How to Achieve Your Financial Goals (tips from the achievers).

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

OCTOBER 18, 2019

We loosely based our plan on Dave Ramsey’s 7 Baby Steps, but modified them to address our needs and lifestyle. 1 – Save a starter Home Emergency Fund. Dave Ramsey suggests to have a starter emergency fund of $1000 while focusing on paying off non-mortgage debt. It was a grind, but here we are, and #4 is DONE!

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

FEBRUARY 10, 2017

Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband. And to be honest, we don’t regret it one bit, but things changed rather quickly in 2013 and we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. The minimum payment is 2.5

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

AUGUST 11, 2014

The company I had worked at for 12 years when I started my journey in January 2013, announced it would be making significant job cuts summer 2013. I followed Dave Ramsey’s baby steps and did the Financial Peace University class twice, once at home last spring and I enrolled again at church this past spring to stay focused.

Debt Free 235

Debt Free Debt Mom Goals 235

Family Balance Sheet

JUNE 22, 2020

By the summer of 2013, we found ourselves in a pickle–we had too much debt and not enough cash flow. Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. Our non-mortgage loans totaled over six figures.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JANUARY 1, 2015

I’ll continue to offer additional money saving tips, ideas, strategies and recipes like I always have, but I have some new themes that I will be starting next week. In 2013, The Christmas Savings Club encouraged all of us to save monthly so that we could have a cash Christmas. My Themes for 2015: 1. Debt Free Stories.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

FEBRUARY 4, 2015

In January 2013 there was a blog post on Keeper of the Home that first awakened me to the concept of living debt free. At the time I had a 1 1/2 year old and another baby on the way. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. What inspired you to get debt free?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100