{"id":3076,"date":"2021-06-17T12:08:25","date_gmt":"2021-06-17T18:08:25","guid":{"rendered":"https:\/\/nominalnerd.com\/?p=3076"},"modified":"2022-12-01T11:17:43","modified_gmt":"2022-12-01T17:17:43","slug":"dave-ramseys-7-baby-steps","status":"publish","type":"post","link":"https:\/\/nominalnerd.com\/dave-ramseys-7-baby-steps\/","title":{"rendered":"How Dave Ramsey’s 7 Baby Steps Can Help You Take Back Your Finances"},"content":{"rendered":"\n

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Are you, like many others out there, financially struggling every month? Paying minimum payments only to not see the needle move? <\/p>\n\n\n\n

Dave Ramsey’s 7 Baby Steps were what pulled us out of exactly that<\/a>. We were struggling to keep up with paying over $1,000 each month in debt (that’s not even including our mortgage!). And struggling with the idea that it would take us a very long time<\/em> to get those debts paid off. <\/p>\n\n\n\n

So what are Dave Ramsey’s 7 Baby Steps? How can they help YOU? <\/p>\n\n\n\n

How to succeed at the Baby Steps<\/h2>\n\n\n\n

The first few steps in Dave Ramsey’s Baby Steps can come with a lot of resistance. They’re tough, not only because you’re just starting out, but also because you have to change your way of living. <\/p>\n\n\n\n

To get through those first few steps, there’s a lot of sacrifice involved. <\/p>\n\n\n\n

But don’t let that deter you! You’ll never feel more in-tune with your finances than you will when you go through these steps. <\/p>\n\n\n\n

First off, you have to have some sort of a monthly budget<\/a>. I’d also highly recommend a good budget planner (this one is my <\/a>favorite<\/a>!<\/a> And this one is a close second<\/a> for me). <\/p>\n\n\n\n

The biggest piece of advice I can give to succeed with the baby steps is to persevere. There will undoubtedly be days that you want to give up and “not worry about it right now”. <\/p>\n\n\n\n

On those days, you have to remember why you started and what you’re working toward. Are you tired of paying your hard-earned dollars in principal and interest every month toward your debt, only to not get ahead? Or are you sick of living paycheck to paycheck, and just running out of money? <\/p>\n\n\n\n

Remember those feelings! <\/p>\n\n\n\n

And know going into this that it’s of course going to be tough. If it were easy, everyone would be out of debt and doing great with their finances. <\/p>\n\n\n\n

So, you persevere! <\/p>\n\n\n\n

Before you get started with the Baby Steps<\/h2>\n\n\n\n

I definitely recommend getting a few things in order and ready to go before starting the baby steps. <\/p>\n\n\n\n

On the physical or tangible side, I’d recommend having the following things ready to go:<\/p>\n\n\n\n