Speaking of laundry I switched to washing all my clothes in cold water. Who knew, they still get clean.
I also make all my cleaning supplies. Previously I had been purchasing chemical free cleaning products from the health food store. With a big bag of baking soda and a gallon of white vinegar I can clean all kinds of things. Google how to make your own cleaners - books and answers are everywhere.
As promised I wanted to address Baby Steps One and Two with you about the program Dave Ramsey outlines that we have been using to get out of debt. So here we go...
The Baby Steps are meant to be followed in their specific order without questions and I promise you when I say they really, really do work.
Baby Step One -
Save $1000 Fast As A Starter Emergency Fund
Some ground rules need to be set here that will help put some clarity to this picture. Baby Step works on the premise that you have set up a budget as I outlined in earlier posts in this series. Yes, you have to have a budget. And if you whine and give every excuse for why you can't then just go away and stop reading this posts because you obviously prefer to be in debt and unable to retire and I don't even want to hear from you ten or twenty years from now on why you can't afford to send your kids to college and how they are going to have to get student loans thereby starting their adult life out in debt. Don't go there with me I promise I won't listen.
The way Dave Ramsey describes paying off debt is referred to as "The Debt Snowball" and it really does work like a snowball rolling down a hill, constantly gaining speed.
I raise my right hand here and solemnly swear to you that this will not work if you play at it. It has to be your number one priority.
That's Baby Steps One and Two in a nutshell. I strongly encourage you to visit Dave's website. He has all kinds of resources and much more information than I've given you here.
Best of luck and let me know how it is working for you. I love to here about your successes.
Click here to go on to "Get Out of Debt - Part 7."
Happy Wednesday All, Jamie