Remove Eating Out Remove Emergency Fund Remove Free Remove Property Taxes
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How We Paid off Six Figures of Debt

Family Balance Sheet

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. We didn’t eliminate eating out completely, but just cutting back the splurge to once a week drastically reduced how much we spent.

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How to Start a Budget (and be successful at it!)

Family Balance Sheet

You can find blank calendar pages by Googling, “free calendar template” or I’ve found blank monthly calendars at the Dollar Tree. Also, my friend, Raki, offers a free blank calendar page if you sign up for her email newsletter. You can find that here: [link]. Set your calendar aside, and grab some lined paper.

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