Comments on: Dave Ramsey’s Baby Step 1: Baby Emergency Fund http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/ Making You a Winner at Money and Life Sat, 31 Jul 2010 19:08:21 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: 7 Steps To Help Get Out Of Credit Card Debt « inMessment – Life Investments http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-2615 7 Steps To Help Get Out Of Credit Card Debt « inMessment – Life Investments Fri, 25 Jun 2010 03:38:32 +0000 http://personalfinancebythebook.com/?p=454#comment-2615 [...] the repair, you will reach in your wallet and pull out that piece of plastic you vowed not to use. Your emergency fund is your cushion for when life [...] [...] the repair, you will reach in your wallet and pull out that piece of plastic you vowed not to use. Your emergency fund is your cushion for when life [...]

]]> By: 7 Steps to Help With Credit Card Debt http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-2603 7 Steps to Help With Credit Card Debt Thu, 24 Jun 2010 20:07:32 +0000 http://personalfinancebythebook.com/?p=454#comment-2603 [...] the repair, you will reach in your wallet and pull out that piece of plastic you vowed not to use. Your emergency fund is your cushion for when life [...] [...] the repair, you will reach in your wallet and pull out that piece of plastic you vowed not to use. Your emergency fund is your cushion for when life [...]

]]> By: joeplemon http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-2404 joeplemon Wed, 09 Jun 2010 13:42:06 +0000 http://personalfinancebythebook.com/?p=454#comment-2404 Tina, Congrats for finishing FPU. You said that FPU has helped you gain control of your money and avoid overages at the bank, but you are having trouble getting traction on your Baby Step 1. Based on what you told me about your life, I can see why. But I urge you to not despair. Even if gaining control and avoiding overages at the bank is all you can do right now, then I say you are doing all right. I can't give any specific advise because I don't know any more about your situation, but I can say that many people who have persevered through tough times and learned how to manage very little money have done extremely well once they started getting more money to manage. This link http://www.singlemomrichmom.com/will take you to a blog written by a woman who has been through much of what you are going through. I don't know if she has ever been to FPU, but she has struggled and is now doing much better. I hope it will help you. Tina,
Congrats for finishing FPU. You said that FPU has helped you gain control of your money and avoid overages at the bank, but you are having trouble getting traction on your Baby Step 1. Based on what you told me about your life, I can see why. But I urge you to not despair. Even if gaining control and avoiding overages at the bank is all you can do right now, then I say you are doing all right. I can’t give any specific advise because I don’t know any more about your situation, but I can say that many people who have persevered through tough times and learned how to manage very little money have done extremely well once they started getting more money to manage.

This link http://www.singlemomrichmom.com/will take you to a blog written by a woman who has been through much of what you are going through. I don’t know if she has ever been to FPU, but she has struggled and is now doing much better. I hope it will help you.

]]> By: Tina http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-2396 Tina Tue, 08 Jun 2010 22:43:38 +0000 http://personalfinancebythebook.com/?p=454#comment-2396 I finished FPU in December, '09 and I find myself still on baby step one. Whenever I start to save up money and feel really good about it, life steps in. I am a single mother raising two children alone with no child support from their father. I cannot get a second job due to caring for my children, I cannot draw overtime as I am salaried, and I've had yard sales which have helped me break even during some months but they never yield enough to help me get ahead. FPU has helped me gain control over my money and avoid overages at the bank, but I'm wondering if that is all it'll be able to do for someone like me? I finished FPU in December, ‘09 and I find myself still on baby step one. Whenever I start to save up money and feel really good about it, life steps in. I am a single mother raising two children alone with no child support from their father. I cannot get a second job due to caring for my children, I cannot draw overtime as I am salaried, and I’ve had yard sales which have helped me break even during some months but they never yield enough to help me get ahead. FPU has helped me gain control over my money and avoid overages at the bank, but I’m wondering if that is all it’ll be able to do for someone like me?

]]> By: joeplemon http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-1741 joeplemon Sat, 24 Apr 2010 21:16:45 +0000 http://personalfinancebythebook.com/?p=454#comment-1741 Arthur, Congratulations on getting the truck paid off! I bet it drives better now. Does this complete your Baby Step 2? If not, you can snowball that truck payment into paying off other debt. If so, you can use that former truck payment to start building up your emergency fund (Baby Step 3). Either way, congratulations. You are taking control of your finances. Arthur,
Congratulations on getting the truck paid off! I bet it drives better now. Does this complete your Baby Step 2? If not, you can snowball that truck payment into paying off other debt. If so, you can use that former truck payment to start building up your emergency fund (Baby Step 3). Either way, congratulations. You are taking control of your finances.

]]> By: Arthur @ FinancialBondage.org http://personalfinancebythebook.com/dave-ramsey%e2%80%99s-baby-steps-one-step-at-a-time-step-one-baby-emergency-fund/comment-page-1/#comment-1740 Arthur @ FinancialBondage.org Sat, 24 Apr 2010 20:56:26 +0000 http://personalfinancebythebook.com/?p=454#comment-1740 Saving money is tough for me, despite working two jobs. I can't seem to get past the $1000.... Now that my truck is paid for, hopefully saving beyond the $1000 will be possible. Saving money is tough for me, despite working two jobs. I can’t seem to get past the $1000…. Now that my truck is paid for, hopefully saving beyond the $1000 will be possible.

]]>