I read a lot online about good debt v. bad debt. I agree with Dave Ramsey 100% that ANY debt is bad debt besides the occasional mortgage. Having said that, I completely understand why some people with student loan debt choose to pay it over the life of the loan... Continue reading

There is one thing I'm not planning to follow on the Dave Ramsey plan, which is to stop contributing to my 401k. At this point in my life I'm 28 and have never saved for retirement. My company offers a 3% match when you contribute 6% as well as a... Continue reading

For years I've used a simple excel spreadsheet budget and detailed each paycheck and where it would go. Good job, right?!? Not so much ... I would ALWAYS go over budget because I was completely abusing my credit cards and would end up transferring money from the little savings I... Continue reading

Step 1: Save $1,000 emergency fund - COMPLETE Step 2: Pay off all debt - snow ball method I'm currently in step 2 which is to use the snowball method to pay off all debt. For those of you who aren't familiar with the snowball method, you line up all... Continue reading

https://www.daveramsey.com/baby-steps/ For those of you who don't know the teachings of Dave Ramsey - here are his baby steps to financial freedom. I plan on following his plan because its easy and ANYONE can do it if they put their mind to it. It's going to be hard but if... Continue reading

I graduated with my MBA two years ago and came out with a fantastically large six figure amount of debt. I consolidated all my loans and refinanced so I now have a solid $132,000 worth of student loan debt. Even typing that hurts my soul. My financial situation before grad... Continue reading