Prairie Eco-Thrifter

JUNE 30, 2014

We bought a house in 2012; we both have fulfilling careers and we have two little dogs that we consider fur babies. Setting Financial Goals: Make Them Smart and Simple So You’ve Maxed Out Your Emergency Fund – Now… How to Start a Savings Plan on a Low-Income. Money Tips'

Financial Goals 189

Financial Goals Goals Emergency Fund Finance 189

Family Balance Sheet

AUGUST 11, 2016

Start Saving for your Emergency Fund TODAY! If you are part of 70% of Generation X that has less than $1000 in personal savings account, start saving today for your emergency fund, whether it is the starter $1000 emergency fund that Dave Ramsey promotes, or it is 3-6 months of expenses. Where We Stand.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

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.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

MARCH 19, 2014

Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. We are self-employed small business owners and felt we needed to adapt Dave’s baby steps slightly to include our business. Increase our emergency funds for the home & office to 3 – 6 months worth of expenses. But we needed a plan.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

JUNE 11, 2014

We adapted Dave Ramsey’s 7 baby steps to reflect our lifestyle as self-employed small business owners. Our current savings is not at a true emergency fund level of 3-6 months, but further down our plan, we will save up to that level. Back in March I wrote about my family’s Debt Freedom Plan.

Debt 100

Debt Emergency Fund Financial Goals Motivation 100

Prairie Eco-Thrifter

MAY 27, 2012

Also include an emergency fund and contributions to a retirement account, even if just small amounts at first. Take immediate action, even if it starts out as small baby steps. If your budget doesn’t have a savings amount, put one in. Adjust your spending if you have to. Pay with Cash Start to pay cash for living expenses.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Saving With Shellie

MARCH 2, 2012

We have quite a few: Checking, Savings, Vacation Account, Business Account, Baby J’s savings account, New Car Fund, Emergency Fund. ING makes it easy to transfer money back and forth between our credit union. I love the fact that you can open as many accounts as you want.

ING Direct 40

ING Direct Emergency Fund New Cars Vacation 40

Saving With Shellie

APRIL 18, 2012

We have quite a few: Checking, Savings, Vacation Account, Business Account, Baby J’s savings account, New Car Fund, Emergency Fund. ING makes it easy to transfer money back and forth between our credit union. I love the fact that you can open as many accounts as you want.

ING Direct 49

ING Direct Emergency Fund Sonic New Cars 49

Saving With Shellie

MARCH 15, 2012

We have quite a few: Checking, Savings, Vacation Account, Business Account, Baby J’s savings account, New Car Fund, Emergency Fund. ING makes it easy to transfer money back and forth between our credit union. I love the fact that you can open as many accounts as you want.

ING Direct 49

ING Direct Emergency Fund Sonic New Cars 49

Saving With Shellie

JANUARY 5, 2011

We have quite a few: Checking, Savings, Vacation Account, Business Account, Baby J’s savings account, New Car Fund, Emergency Fund. ING makes it easy to transfer money back and forth between our credit union. I love the fact that you can open as many accounts as you want.

ING Direct 49

ING Direct Emergency Fund New Cars Vacation 49

Saving With Shellie

FEBRUARY 2, 2011

We have quite a few: Checking, Savings, Vacation Account, Business Account, Baby J’s savings account, New Car Fund, Emergency Fund. ING makes it easy to transfer money back and forth between our credit union. I love the fact that you can open as many accounts as you want.

ING Direct 45

ING Direct Emergency Fund DVDs New Cars 45

Saving Cents With Sense

JANUARY 1, 2014

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Homemade Baby Wipes. Making Homemade Baby Food. Record all your expenses for one month. It saved us $600 ($50 a month)!

2014 88

2014 Saving Bills Emergency Fund 88

Saving Cents With Sense

JANUARY 3, 2017

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Homemade Baby Wipes. Making Homemade Baby Food. Record all your expenses for one month. It saved us $600 ($50 a month)!

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JANUARY 1, 2015

How to Build a Starter Emergency Fund in 30 Days or Less | Jackie Beck @ The Debt Myth. Health Resolutions: Baby Steps to a New You | Ellen Christian @ Confessions of an Overworked Mom. How to Make This the Best Gardening Year Ever | Kendra Spencer @ a Sonoma Garden. 5 Ways to Make this Your Best Monarch Season…Ever!

2015 100

2015 Money Debt Home and Garden 100

Saving Cents With Sense

JANUARY 1, 2015

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Homemade Baby Wipes. Making Homemade Baby Food. Record all your expenses for one month. It saved us $600 ($50 a month)!

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JANUARY 17, 2018

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. Dave Ramsey suggests to have a starter emergency fund of $1000 while focusing on paying off non-mortgage debt. Read all of the updates: Our original Debt Freedom Plan.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

FEBRUARY 4, 2015

At the time I had a 1 1/2 year old and another baby on the way. I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan. Was there a particular event? We loosely followed Dave Ramsey’s plan for inspiration.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

We used (and currently still follow) Dave Ramsey’s Baby Steps. We are currently working towards fully funding our emergency fund. At that point I knew something had to change. Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living? What are your financial goals now?

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JUNE 22, 2020

Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

JANUARY 21, 2011

Get Rich Slowly shares with us how we can all put money in an emergency fund no matter what our financial situtation is. Kevin at Sweating the Big Stuff tells us why we shouldn’t save for an emergency fund. We have a small fund for emergencies but most of our money is invested so we can make some money on it.

January 124

January Emergency Fund Personal Finance Finance 124

Family Balance Sheet

FEBRUARY 10, 2017

” To get through that time, we crafted our Debt Freedom Plan , based on Dave Ramsey’s Baby Steps, but tailored to meet our own needs and self-employed lifestyle. Build up our Emergency Funds to 3-6 months of expenses. Start college funds for both girls. It turns out this was the best decision for our family.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

FEBRUARY 3, 2016

I also appreciated the simple, common-sense advice and the baby steps. However, since paying off our debt, I have become a much bigger fan of the baby steps laid out by Dave Ramsey and really see the wisdom in paying off debt in that fashion. What are the top 3 – 5 ways you found money to put towards debt.

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

MAY 27, 2015

We did follow Dave Ramsey’s 7 Baby Steps to becoming debt free. We skipped Baby Step #5 (college funding) because we didn’t have kids at the time. We’re now on Baby Step #7 (building wealth, which includes college funding). We purposefully waited to have kids (4 years) until we felt financially sound.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

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. I’m working on baby step 3 (3-6 months emergency fund) while paying cash for my new home projects.

Debt Free 235

Debt Free Debt Mom Goals 235