Family Balance Sheet
APRIL 9, 2021
Dave Ramsey has a plan and it has worked for millions of people. We also didn’t feel comfortable with Dave’s suggestion of a $1000 starter emergency fund, which is his step #1. But $1000 was not nearly enough money to cover sudden emergencies in both our home and business. He calls it his 7 Baby Steps.
Prairie Eco-Thrifter
SEPTEMBER 28, 2014
That worked for a little while, but as an adult, I needed to be fiscally responsible for myself and learn some impulse control. I’m all about the small steps lately, because they work. Starting small and working your way up is very effective and you will see examples of its effectiveness everywhere you look.
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Penny Pinchin' Mom
DECEMBER 17, 2023
Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. From a personal point of view, I much prefer living debt free. You will need to handle them first, even if your emergency fund is nonexistent.
Prairie Eco-Thrifter
NOVEMBER 4, 2013
It is vital to your future success and security that you don’t blow it at this point. It’s easy to think that you have plenty of time; to have the mindset that you’ve worked hard and so you deserve to relax and have some fun; that you’ll get organized about the future next pay check; and so the list goes on.
Family Balance Sheet
APRIL 11, 2020
I have written often about the importance of an emergency fund. We have an emergency fund, but after this crisis, we will likely need to replenish it and increase the amount that we keep. Are you working from home? Are you working in the front lines of this crisis? Cash is King. More family time!
Prairie Eco-Thrifter
OCTOBER 26, 2014
There’s no point in using more money than you need to. After all, there’s no point in making something just so you can give a gift, especially if it’s a gift the recipient wouldn’t like. Take on extra work. Are there any jobs you can work on the side like babysitting or freelance work from home?
Prairie Eco-Thrifter
SEPTEMBER 25, 2014
In a couple of decades, when people are just too old/and or disabled to work, but have a mountain of debt and no retirement savings, what will become of us as a nation? This brings me to my next point: make a habit of reviewing your spending. This is something that needs to change. Pay close attention to your weak spots. Money Tips'
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