The Budget Mom’s 9 Steps to Financial Freedom

True success is never just about the numbers. It’s also about learning how to manage your emotions, listening to your heart, walking your own path, and figuring out who you really are. A financial journey is a self-discovery journey. One that we all need to embrace.
  1. Anonymous says:

    The link to the printable doesn’t work:(

  2. Isabelle says:

    The link to the printable doesn’t work:(

  3. JP says:

    When paying off credit card debt, do you include auto loans in the credit card debt or do you handle paying off auto loans after you pay off credit card debt?

  4. Laura says:

    Great article, quick question…..kind of personal.

    Recently married and realizing my husband’s credit is FU**ed!!! Debt, collections, late fees and ect….plus I have my own debt. Should we wait to clear up his debt or pay-off everything from smallest to biggest

    • Heather says:

      Laura,

      I work in the financial industry and from my experience, it is most beneficial to pay of collection accounts first. Then, start tackling the debt. The key to success is not to allow any other payments to be late! Also, download a credit tracking app to keep track of what’s having the most effect. When you’re “out of the hole” or close to your goal, apply for small credit card and use it solely for gas purchases or something routine. Pay the balance in full each month. This will help the upward trend for your credit score. Hope this helps!

  5. Rachel Snyder says:

    I love these ideas! I rely a lot on online ordering groceries and basic household supplies (laundry soap, paper towels, etc) and then do store pick up. I have 4 young kids and it is much faster, more convenient, and more economical this way. But how do I utilize the cash envelope system with this more and more common shopping option?

    • YZ says:

      Hi Rachel! Sometimes it’s just not feasible to use cash to keep yourself in check, and then your spending becomes really hard to track! I think you should feel free to use your credit and debit cards AND track your spending daily. I built a tool that should help you do just that. Check it out at hellofin.app. I hope it helps you as much as it has helped me!

  6. YZ says:

    The thing that I’ve struggled with the most when I budget is actually tracking how much I’ve spent per month per category. I can’t remember to add it up every time I spend, and if I do it at the end of the month, it’s hard to remember what those transactions on my statement were when I look at it. So I made a tool to help me. I hope it helps other people too! Check it out at hellofin.app.

  7. Kristy says:

    I like seeing people motivated to live a Dave Ramsey lifestyle. His steps to financial freedom really work. Just wanted to suggest that you might want to look into the YNAB app if you haven’t already. It works great with the DR step by step method and is very easy to use – so much simpler than spreadsheets, calendars, and such. It also is set up so you budget for each paycheck. 🙂

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