Family Balance Sheet

APRIL 9, 2021

We also didn’t feel comfortable with Dave’s suggestion of a $1000 starter emergency fund, which is his step #1. The point of the starter emergency fund is to get you through until you pay off your non-mortgage debts, at which point, you build a more extensive fund. Number 4 was knocked out in 2019.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

MARCH 19, 2014

Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. Save $$$ Home Emergency Fund – Dave suggests to start at $1000, but being self-employed, ours is much higher, but it is not quite 3-6 months of expenses. Unfortunately they’re not cheap. We estimate that this will take us 4 years.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

SEPTEMBER 29, 2016

We’re typical Canadians that spend most of our free time in the fall and winter months inside arenas. We used (and currently still follow) Dave Ramsey’s Baby Steps. We later did the big celebration during our summer vacation by heading down to Nashville to do our Debt Free Scream live on Dave Ramsey’s radio show.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

AUGUST 11, 2014

Use this to develop a budget & determine where you will cut back. (If I was spending the same on groceries as my mortgage because we’re grain free sugar free & there were way too many quick stops at the store on the way home, while hungry). (I Use cash system with envelopes for your over spending areas.

Debt Free 235

Debt Free Debt Mom Goals 235