

Save this image to Pinterest so you can come back later! Dave Ramsey Baby Steps chart to pay off debt We still have a way to go, but we are well on our way to paying off our debt.ĭave Ramsey teaches financial advice for a living, and his methods are not complicated.

We took the $6,000 and put it to our credit card debt.īoy, did that sting! Seeing that amount of money in our checking account and then it disappearing within a matter of days was hard to watch.īut putting that money to our debt had now eliminated $300 of monthly payments, which gave us a bit of relief. So after we received a hefty tax return this year, what did we decide to do with the money? That book changed not only my life, but my entire outlook on finances. I was at my grandmother’s house one day and when I went to use her bathroom, she had his book sitting by the toilet. That’s when Dave Ramsey came into my life. I grew up with parents that lived off of credit cards, and my siblings and I kept up the charade after we got older as well. When we were going through a hard time financially, we maxed out credit card after credit card just to stay afloat.Įveryone in my family kept encouraging me to file for bankruptcy when they saw how we were struggling to pay our bills. We had accumulated a good deal of debt over the past few years, especially after I left my job to stay at home with our kids.
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