why or why not consolidate

Why or Why Not Consolidate

In full transparency, and to document our debt-free journey, I will explain our credit card consolidation loan. Related: Our Debt-Free Journey Coming Out Letter Why We Consolidated Our Credit Card Debt Before we started our Total Money Makeover with Dave Ramsey,…

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Just Say No to Credit Cards

Just Say No to Credit Cards

We have cut and closed a total of 24 credit card accounts!  Let’s cut to the chase – if you can’t afford to pay cash for something, you can’t afford it. A lesson we’ve learned the hard way. Our Credit…

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sinkingfundshowwesaveinbs2

Sinking Funds: How We Save in Baby Step 2

Gasp, you’re saving in Baby Step 2?! Before we explain how and why we are “saving” in Baby Step 2, let’s step back and simply explain our financial situation, describe what ‘Baby Step 2’ is, and define what ‘sinking funds’…

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