Saving Cents With Sense
JANUARY 1, 2016
I am so excited for 2016 – there will be some very big changes with my family this year. My faith is in the Lord and where He will lead us… 2016 will also be a year where my family can start putting more in savings, too. Making Homemade Baby Food. Homemade Baby Wipes. Happy New Year!! Saving Money on Haircuts.
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. A lot of life happened over 7 years and our plan changed slightly, but our goal remains to achieve complete freedom from debt. 2016 & 2017 Update. In November 2016, we started contributing again to our retirement.
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Family Balance Sheet
APRIL 9, 2021
Becoming debt-free became very appealing and the idea of being able to give more, save more, and live more was the direction we wanted to go. He calls it his 7 Baby Steps. Our non-mortgage debt was in the six figures and included a student loan and business loans. We used Dave Ramsey’s debt snowball method. | Brain dump!
Family Balance Sheet
AUGUST 11, 2016
We charted out our course of action to pay off debts and start saving for retirement. My husband and I took Dave Ramsey’s Financial Peace University home course and we wrote Our Debt Freedom Plan based on Dave’s 7 Baby Steps. Our current priority is to pay off our last non-mortgage loan (our step 4).
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. We spent the next 6 years focused on paying off all of our non-mortgage debts.
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