Thread: Money How does one get credit?
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Old 04-02-2013, 03:25 PM   #38
SLAG SLAG is offline
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Join Date: Oct 2005
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Quote:
Originally Posted by Pestilence View Post
Link to the Dave Ramsey baby steps?
Here is the book:
http://www.amazon.com/The-Total-Mone...money+makeover

I picked up the Kindle version for $10

He is on the Radio everyday too you can listen here:

http://www.daveramsey.com - hes on for another 30min or so


But here are the steps:

Step 1- Save $1000 Emergency Fund
Step 2- Pay off all Debts Smallest to Largest - using the funds you free up to add to the payment of the next debt - aka the debt snowball
Step 3- Complete the ER fund with 3-6mo of savings
Step 4- Put 15% of your income toward retirement
Step 5 - Save for Kids' college
Step 6 - Pay off House Early
Step 7 - Become Wealthy and give a lot of it away


Thats the VERY high level overview but the Key to step 1-3 is budgeting - give every dollar a name -- on paper - on purpose every month - Keep a $0 Budget meaning every dollar has a Job


we are hooked
We want to live like no one else so later we can live like no one else.
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