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Credit Savvy Diva

credit savvy diva

empowering women to be smarter, less stressed and more aware of their finances

Author: Stacy Smith

— Every Day Life, Family, Time Management —

Ways to Make Life Simpler

October 1, 2018

It’s October and life is settling into a routine.  Kids are back to school, after school activities have started and sometimes I pray for the weekend and Monday’s hardly over.  One of the things that really helps our family is scheduling and meal planning. I never really thought much about meal planning in the past.… Read More Ways to Make Life Simpler

— Mindset —

How to Stop Fear from Destroying Your Financial Future

September 24, 2018

Positive thinking isn’t a new way of handling financials but it is important to remember that mindset does create our reality in many situations.  It is time to figure out why our fears are controlling us so we can start taking control and make our financial situation less stressful and more in line with what… Read More How to Stop Fear from Destroying Your Financial Future

— Mindset —

Our Brains Are Trained to Fit Our Narrative

September 17, 2018

The way you think about money will determine how much or how little money you have in your life.  Sounds a bit weird right? Money is an object. It has no power. It has no ability. It has no ideas or preconceived ideas or fears. Money is a tool. It can help you to become… Read More Our Brains Are Trained to Fit Our Narrative

— Uncategorized —

Giving Will Change Your Life

September 10, 2018

Dave Ramsey’s 7 baby steps have been life changing for so many throughout the United States.  A return to financial basics.  Setting up emergency funds, getting out of debt, wise spending, creating a budget, setting up retirement and education accounts and not relying on loans and credit cards on our path to financial freedom. But… Read More Giving Will Change Your Life

— Budget, Debt, Financial Goals, Mindset, Saving —

Creating Wealth Takes Time

September 3, 2018

The focus for the past few weeks has been Dave Ramsey’s baby steps.  Baby step 6 is to pay off the mortgage.  This one is hugely debated.  Many believe that the tax benefits to paying a mortgage are more beneficial than paying off the mortgage in full and no longer having that benefit.  Regardless, paying… Read More Creating Wealth Takes Time

— Uncategorized —

Education is a Choice, Retirement is Not

August 27, 2018

There are a number of reasons why Americans are unable to retire at the recommended age and much of it has to do with debt.  Dave Ramsey’s 4th baby step has to do with retirement and unfortunately if you are only on baby step 3, you may not be ready to delve into this but… Read More Education is a Choice, Retirement is Not

— Uncategorized —

Why a $1000 Emergency Fund Just Won’t Cut It

August 20, 2018

A $1000 emergency fund isn’t going to go very far in the grand scheme of things.  Yes, if you get a flat tire or something unexpected comes up, that $1000 comes in handy but if you need a new hot water heater or have a major disaster, $1000 is probably not going to cut it.… Read More Why a $1000 Emergency Fund Just Won’t Cut It

— Budget, Debt, Mindset —

Budgeting and Getting Out of Debt Go Hand in Hand

August 13, 2018

When it comes to Dave Ramsey’s baby steps it is really important to take stock of where you are financially and figure out how to get ahead. Once you’ve put away $1000 toward emergencies, there are two things you need to do in order to accomplish baby step 2, paying off all debt except your… Read More Budgeting and Getting Out of Debt Go Hand in Hand

— Uncategorized —

How Baby Steps Can Change Your Life

August 5, 2018

My husband and I took Dave Ramsey’s Financial Peace course through our church a few years ago.  It was at a time when we weren’t really sure how to invest in our future and while we were mostly debt free, we were relying on credit cards more than we cards to admit. Taking Ramsey’s course… Read More How Baby Steps Can Change Your Life

— Uncategorized —

What are the Benefits?

July 30, 2018

One of the questions that I come across quite often in various Facebook groups I belong to is, “Is there a benefit to keeping an account at a financial institution that I have had since before I was married?” The short answer is, no, there is no benefit.  However, this answer does need to be… Read More What are the Benefits?

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