Tag: debt free

7 Easy Steps To Simplify Your Life Today

Published on by Susie @ Pollywog's Place Blog1 Comment

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I had originally written this series of posts in honor of National Simplify Your Life Week, which falls during the first week of August, I decided to make a shortlist of 7 easy steps that almost anyone can use to simplify their life starting today. With the New Year fast approaching I thought it might be helpful to post this again for anyone looking to simplify their life and have more FREE time. Continue reading “7 Easy Steps To Simplify Your Life Today” →

Living Debt Free And Loving It!

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If you have followed along with Dave Ramsey’s baby steps that I’ve been posting about over the past couple of months then you know what I’m working towards.

I really want to become debt free and pay off all of my bills so I have no financial obligations. Well, maybe not none per se  but as few as possible. Can you imagine how good that would feel?

I know how that feels and I really want to feel like that again, soon! Once I reach this goal I will be able to do a lot of things that I’ve always wanted to do but haven’t been able to do.

Once I have freed myself from these financial burdens I will be able to help others, including my children, to learn to build their wealth.  I want to teach them by example how to be debt free and stay debt free. This is something I am seriously committed to doing and hope maybe you will want to join me on this journey.

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Paying Off The Big Bills

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Well, I don’t have a mortgage or a car payment at this time but if I did I would definitely be working on this one. This would be a very big step towards becoming debt free for anyone according to Dave Ramsey.

There are a couple of ways to work on this. You could just apply extra money towards the payments to pay it off quicker. You could also consider refinancing to get a lower rate so that you can achieve your goal of becoming completely debt free!

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Saving For Our Children’s Future

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OK, so I’ve been paying off bills and saving up money for emergency funds. I’ve also been looking into investing some money for retirement but what about my kids’ future?

Well, my oldest three went into the military and therefore have some benefits to help them get their education. My fourth child is super smart and I have no doubt that she will be able to get some scholarships and I will try to help her out as much as I can.

My next three children have some scholarship money available from their adoptions. My special needs son also has some scholarship money that we have been able to use to provide for his current education. The money not used could possibly be used for his education later on.

My youngest two will probably need some type of account set up for them. Who knows where their paths will lead. I know right now they have plans to follow their big brother’s foot steps in the military but that may change in the future. There are a couple of different educational savings plans recommended by Dave Ramsey that I have been looking into for saving.

I do want them to have the best future possible and I plan to do the best I can.

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To Invest Or Not Invest

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I have been trying to follow Dave Ramsey’s Baby Steps to get out of debt and save a little bit of money. Now that I’ve made some progress it’s time to make another decision.

Mr. Ramsey emphasizes how important it is to save for your retirement no matter what age you are at. I am no longer working a public job so I haven’t been paying in anything towards my future.

He suggests investing at least 15% of your income into pretax retirement funds like Roth IRAs. He also suggest investing in your company’s 401k plan where your employer could match your investment. I did do this when I was working.

He also goes into more explanations about how and where to invest your money. I will need to do a little bit more research on this before I make any permanent decisions on where or what I will do.

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