Alrighty, folks! So by now you either have your baby emergency fund of a thousand dollars set aside (or you are working towards it) and you have created a budget! Now let’s move on to Ramsey’s second baby step and our third step to preparing financially for marriage: the debt snowball! How many of you are from a snowy climate? We don’t get too much snow here in central Virginia; however, when we do, it is a big deal! I’ve never seen a snowball roll down a hill and pick up more snow, but I would imagine it would sure be fun to watch, assuming you weren’t at the bottom of the hill about to be … [Read more...]

Whether you’re engaged, dating, trying to get up the courage to ask someone out, or simply chillin’ and waiting for the right man or woman to come along, now is a great time to start living on a budget. If you put twenty random people in a room and asked them how they felt about the idea of budgeting, you’d likely get a myriad of responses. “Budgets are for people who can’t handle money.” “Budgets are for people who don’t make enough money to be comfortable.” “Budgets are essential for a bright financial future!” “Budgets are a necessary evil.” “Budgets are loads of fun!” No matter how you … [Read more...]