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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 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...]

What are Instant Small Cash Loans and 7 reasons on Why They Have Risen the Ranks in the Popularity Ladder

Instant Cash Loans have become the new synonym for personal loans. As a popular type of personal loan, the instant loan has taken its name owing to its attribute of reaching beneficiary accounts in super quick time. In all cases where applicants apply for instant cash from lenders, they can receive immediate approval based on their credit outlook. A point that cannot be ignored is the popularity … [Read more...]

Using Free Resources To Keep Tabs On Your Credit Score

One of the ways that you can stay on top of your finances is to track your credit score. While a credit score isn't the be-all and end-all of your financial snapshot, it can still be rather helpful as you keep tabs on your overall financial situation. While it might cost you money to access a more “official” credit score, there are plenty of ways that you can get a general idea of how … [Read more...]

How To Avoid Falling Into A Bad Credit Score

Building good credit is a years-long process, while destroying credit only takes a few bad decisions. With this in mind, it’s important for new credit users to avoid the many mistakes which lead to bad credit scores. Too often it seems inexperienced credit cardholders underestimate the ease through which bad credit can be acquired. For these folks – the young ones especially – we … [Read more...]

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