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
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
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
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
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?
One of the reasons so many people give up on budgeting is that it makes them nervous. It reminds them that they are irresponsible, makes them feel overwhelmed and it creates angst where there may not have been any. The fact is that you need to create a budget but you may not want to.… Read More “Budget” isn’t a dirty word
This week is Spring Break so I won’t be going live over in the Credit Savvy Diva Facebook group or creating graphics or writing content for the Credit Savvy Diva newsletter. It’s been 1 full year since I dedicated myself to the brand and here and I am taking an entire week off and praying… Read More It has been 2 years
Over the course of January the focus was on how to deal with creditors. In February, the focus will be on saving money – for emergencies, for retirement and for your child’s college education. Saving can be a really difficult thing for people, particularly those with a lot of debt or who aren’t sure when… Read More February Focus
When I was thinking about what direction I wanted to go when it came to my career, I realized that I had a wealth of financial knowledge (good and bad) but no where to share it. I knew that I didn’t want to go back to a traditional 9-5 with my girls in the picture.… Read More What is financial coaching?