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Dave Ramsey’s 7 Baby Steps: Step 2 – Pay Off All Debt Using The Debt Snowball

In my last post in the 7 Baby Steps series, we looked at Baby Step 1, saving up an emergency fund of $1000. You save up that baby emergency fund in order to insure yourself against the risk of life's little emergencies that have a way of popping up at the least opportune time.   If you don't save up that money as an insurance policy, you can be assured that your plan to get out of debt will be set … [Read more...]

Dave Ramsey’s 7 Baby Steps: Step 3 – 3 To 6 Months Of Expenses In Savings

Last time we looked at Baby Step 2, paying off all your debt using the debt snowball. You take your bills, put them in order from smallest amount to largest amount, and proceed to pay them off one by one, snowballing the amounts until the debts are gone! Baby Step 3 – 3 To 6 Months Of Expenses In Savings In baby step 1 we built up a $1000 emergency fund in order to protect us from life's … [Read more...]

M1 Finance Review: The Fee Free Robo-Advisor

As a long term investor, I do everything I can to ensure that my returns are as high as possible over the long haul. What sort of things am I doing to ensure that I come out ahead? I'm doing my best to keep my investments diversified, and keeping the costs for my investing low. Typically people can see fees, commissions, expense ratios and account costs eat into their end returns, and it doesn't … [Read more...]

Things You Should Know Before Trading in the Stock Market

Have you set any financial goals for yourself in the new year? Many individuals want to get better with their finances and use the New Year as a starting point for setting goals and accomplishing those dreams. If your money goal happened to be earning more income next year, one option might be to start investing in the stock market. Believe it or not, the stock market, when understood, can … [Read more...]

Dave Ramsey’s 7 Baby Steps To Getting Out Of Debt

For my first real post on this personal finance blog I thought it would be appropriate to talk about one of the people who have influenced my financial life the most, Dave Ramsey. For those of you who don't know, Dave Ramsey is a personal finance guru who has a daily radio and TV show, in addition to personal finance seminar called Financial Peace University. Dave Ramsey is extremely popular, and … [Read more...]

Dave Ramsey’s 7 Baby Steps: Step 1 – $1000 To Start A Baby Emergency Fund

In one of my first posts on this site I gave a brief overview of Dave Ramsey's 7 Baby Steps, and gave links to a few other sites who talked about them. Today I want to begin my series on the 7 Baby Steps by talking about Baby Step 1, saving up $1000 for a baby emergency fund. Before You Start The 7 Baby Steps The 7 Baby Steps can be a life changing paradigm shift for many people, but like any … [Read more...]

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