Budgeting

Dave Ramsey’s 7 Baby Steps To Financial Freedom: Will They Work For Your Family?

A couple years ago, we started Dave Ramsey’s 7 Baby Steps to achieve financial freedom. We saved our starter emergency fund and paid off a good chunk of debt, but we never learned to budget. So, we fell back into old spending habits. Fast forward to last year, we were still deep in debt and struggling. …

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How To Create A Zero-Based Budget In 4 Easy Steps (Plus A Free Zero-Based Budgeting Template)

Are you sick of living paycheck to paycheck or wondering where your money is going every month? If this sounds like you…you need a budget in your life! Before my husband and I started budgeting, we spent money without any thought or plan. This led to enormous debt and no emergency fund. So, when shit …

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the importance of budgeting

What’s the Importance of Budgeting and How to Start?

Do you feel like you need to get your financial situation together? Chances are, you need a budget in your life…ASAP!   But if you have never had exposure to budgeting, you may be thinking, “why is budgeting so important”?   According to this article by CNBC, the average American has $90,460 of consumer debt.   How the hell …

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