Donnie and Emily’s Debt Free Journey

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Donnie and Emily’s Debt Free Journey

Donnie and Emily’s Debt Free Journey First Married Mine and Emily’s debt free journey began when we got married in June of 2009. We went to Hawaii for our honeymoon maxing out our credit card at $5,000. When we came back from our honeymoon we knew we had to pay it off quickly. At this time in our life Emily was the only one working full time making $42,000 a year as a nurse. I was still going to school for my bachelors in political science. My income came from student loans, the Army National Guard, and part time painting.

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Dave Ramsey’s 7 Baby Steps

I’ve been following Dave Ramsey for the last 5 years. My wife and I have been able to payoff all our student loans and our mortgage using his steps. I believe in what teaches for several reasons. His steps are actionable and focused. Following his steps you know exactly what to do next. Every step you complete is creating a better life for you and your family. Always remember there are many ways to financial independence on the income side, but there is only one way to be financially “independent” and that is having independence from having no debt. Here

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My favorite Budgeting App!

Ok, I didn’t realize how important a budget was until I started tracking every penny I spent a year and a half ago. I want to share my favorite budgeting app as well as compile a list so you can find the right budgeting tool for you. I don’t care what type of tool you use, I just want you to pick one you will commit to! There are a lot of budgeting apps and websites to choose from. I have only used three Mint.com, Quicken, and EveryDollar. My favorite by far is EveryDollar by Dave Ramsey. I found this

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