From the category archives:

Dave Ramsey

Dave Ramsey’s 7 Baby Steps: Step 2 – Pay Off All Debt Using The Debt Snowball

February 13, 2009

Last time we looked at Baby Step 1, saving up an emergency fund of $1000.  You’re saving up that money for a variety of reasons, but mainly because you know you’re going to have little “emergencies” popping up all the time, and the baby emergency fund will help keep you from going further into the [...]

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Dave Ramsey’s 7 Baby Steps: Step 1 – $1000 To Start An Emergency Fund

February 11, 2009

Yesterday we gave a brief overview of Dave Ramsey’s 7 Baby Steps, and talked about why it is so important to prepare yourself for the whole experience.  You need to be ready to change your lifestyle, be ready to commit to no more consumer debt, and know that people are going to think you’re a [...]

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Dave Ramsey’s 7 Baby Steps By The Numbers: Getting Started

February 10, 2009

I’ve been writing about personal finance for just over a year now.   During that time I’ve written a lot of about Dave Ramsey and his class “Financial Peace University“,  but I realized that I’ve never written in depth about his 7 baby steps plan to getting your finances in order and on track.  So today [...]

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5 Keys To Overcoming The Urge To Splurge

November 21, 2008

Christmas is for debt?
Christmas will soon be upon us with all of the good cheer, family get togethers and presents!
All of the big department stores are already in full-on Christmas mode, with aisles upon aisles of decorations in the front of the store and Christmas music pumping over the PA systems.  It’s hard not to [...]

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Unintended Consequences Of Doing A Budget

November 20, 2008

Doing a budget has decreased our spending

photo credit: Jeff Keen
Within the past few months my wife and I have started doing a zero based budget where every dollar is allocated before it comes in.  When the paychecks are deposited each and every dollar is assigned a job, whether it be paying bills, groceries, personal [...]

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Reader Question: Is It A Good Idea To Get A 401k Loan To Pay Off Debt?

November 13, 2008

I had a question posed to me this week about 401k loans, and whether they were a good idea.  The person said they were considering using a 401k loan to pay off some higher interest credit card debt.  The rationale behind doing this was that they’d rather pay themselves interest than the credit card company, [...]

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A Way To Control Spending: The Envelope System

November 3, 2008

We need a way to cut our spending
This past summer my wife and I took a class called “Financial Peace University“.  The class is built around the teachings and personal finance framework put together by Dave Ramsey. Ramsey has made it his career goal to help people take responsibility for their financial life, get [...]

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Car Shopping DOs And DON’Ts

October 27, 2008

I am in the middle of looking for a new (used) car right now, and was looking for advice on the Dave Ramsey site in regards to buying a used car. I thought some of the information might be helpful to all of you out there, so I thought I’d share it here. Text [...]

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Dave Ramsey’s Financial Peace University – Week by Week

October 16, 2008

Teaching Financial Peace University

My wife and I were just asked by some friends at church if we would help them in hosting a Dave Ramsey “Financial Peace University” class at our church. They had been planning to teach the class by themselves, but in the wake of our tough economic times they had over [...]

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