Congratulations! You have done lots of hard work and have demonstrated great discipline in the process of Dave Ramsey’s Baby Steps. First, you saved $1,000 in a small emergency fund (Step 1), which gave you a buffer against life while you strategically paid off all debt except your house (Step 2) using the debt snowball. […]
Use Your Emergency Fund to Save on Insurance Premiums
photo credit: alancleaver_2000 Your emergency savings is set aside to be used for NOTHING but emergencies. Right? Right! But that very fund (3-6 months of income) can also be used to help save on insurance premiums. On a side note, make sure your emergency fund is in a high yield interest savings account. Think of […]
Seasons of Life
photo credit: dougtone “For everything there is a season and a time for every matter under heaven” (Ecc 3:1). “What am I going to do when I grow up?” This is a question one expects of a 10 year old, or a 15 year old, or perhaps a 20 year old. However, as Janice (my […]
Is The Music In You Still Waiting To Be Sung?
photo credit: justalexanders Although Florence Littauer had been married for many years, she had never had a meaningful conversation with her mother-in-law Marita. In Florence’s mind, Marita had always been a little too busy, a little too distant, and never seemed real. But all that changed one evening when Florence asked Marita, who was nearing […]
Should Employers Use Credit Reports to Screen Job Candidates?
photo credit: TheTruthAbout… In the midst of a national recession and rising unemployment, many who are seeking to dig themselves out of their financial woes are being hit with a double whammy: potential employers are disqualifying them from employment because of low credit scores. These employers are using a number (credit score) as a rationale […]
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