So...there is a little housekeeping to do before diving into Dave Ramsey's Baby Steps to Financial Success.
- STOP using credit cards and draw the starting line.
- Get all your bills current.
- It's time to put a budget in place and track where the money is going.
I have over the years made budgets but have never really stuck with it or tracked our progress. I've always just used common sense and have done fine. The scary thing about using a budget is you start to see exactly where your money is going and it can be a bit of a shock. It's a whole lot easier to continue on the current path when you don't know exactly how much you are spending on fast food or that Starbucks coffee over time.
There are many options for putting a budget together. I am using
Mint.com to set up a budget, set goals and to track my progress.
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