If you are under a tight budget and are having a hard time financially, know that you are not alone. The pandemic has surprised everyone and has gotten us all off guard. It has paralyzed jobs and [...]

You have finally kicked-off your debt in the last step. Now, Baby Step 3 will require you to save 3-6 months of your living expenses for an emergency fund. We know it may sound pretty [...]

So until now, you are doing one thing at a time, from Baby steps 1 to 3. We are going through a step-by-step process to make things work. But today you can do baby steps 4 to altogether in order [...]

To solely depend on your monthly income for a living is very burdensome. What will happen are constituted in three things: 1) You will live paycheck to paycheck; 2) You work harder to gain [...]

I have met Sade Elam five years ago through a mutual friend and loved how she incorporates insurance and talks about it directed especially to women. Based on Dave Ramsey’s talk about [...]

Buyer Beware is the title of our next baby step. In Latin, it means ‘caveat emptor’. This step will talk about how important it is that a buyer is aware of his/her buying decisions just as much [...]

Credit scores can either make or break us. It can take us to several good opportunities or can hinder us from reaching the goals we most desire to aim. According to the National Foundation for [...]

Have you ever observed a small snowball turn into a big boulder after it has rolled down a snow-covered ground? As it rolls, the small matter picks up more snow, leading to a greater mass and [...]

Congratulations! You have passed the Baby Step 1! Now, we are taking another step towards financial freedom, and that is Baby Step 2: Paying Off Debts Using the Debt Snowball Method.   Debts [...]

According to Dave Ramsey, the percentage we should spend on food from our monthly wage should only be 10-15%. Groceries or food, entirely, is essential for our living, but it can be very [...]