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5 Steps to CRUSH Debt + FREE Debt Payoff Goal Tracker

Family Balance Sheet

Here are the steps we took to pay off that pesky non-mortgage debt. Your first assignment: Take the first step and calculate your debts by using my FREE Family Balance Sheet. The link will give you all of the information you need to complete the sheet. I offer the FREE tracker to my community. How much debt do you have?

Debt 130
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25 Ways to Find Money for Your Emergency Fund

Family Balance Sheet

And while I don’t like parting with our money, I am grateful that this repair won’t send us into financial distress. How would you pay for an unexpected car repair? Dave Ramsey suggests in his book, The Total Money Makeover (affiliate link) , that you create a starter emergency fund of $1000.

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Buying A House In 2023: A Step-By-Step Guide

Savings Corner

Get started: You can get your credit report and score from each of the three major credit reporting agencies, Equifax, Experian and TransUnion, for free once a year. Your bank or credit card company might offer free access to your score or credit report, too. Learn other ways to get your free credit report and score.

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25 Ways to Find Money for Your Emergency Fund

Family Balance Sheet

And while I don’t like parting with our money, I am grateful that this repair won’t send us into financial distress. How would you pay for an unexpected car repair? 2 – Decide where to put the money. We use an online account like, Capital One 360 (my referral link). Here are a few ideas: Meal Plan.

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Don’t Throw Away: Repurpose and Save Money

Saving Cents With Sense

Instead of throwing that broken item out, repair it. The group gets together on a monthly basis with members bringing in items they’d like to have repaired. Here are a few ideas on things you can fix and save: A Slow Computer. Free hard drive space. This site uses affiliate links. Read my disclosure policy here.

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2019 Debt Freedom Plan Update

Family Balance Sheet

We still have a mortgage, so we’re technically not DEBT-FREE, but we paid off over 6 figures of business debts and student loans since 2012 and have wiped out our NON-mortgage debt. We have definitely dipped into this fund often, so I’m glad I strayed from his advice here. It was a grind, but here we are, and #4 is DONE!

Debt 100
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Create your debt freedom plan

Family Balance Sheet

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. To stay motivated I would listen to the debt-free screams on The Dave Ramsey Show. We also had some building repairs that we needed to cash flow. But we needed a plan–our own plan.

Debt 130