Aligns with the Baby Steps completely and very easy to use. It's free (unless you want bank integration).
- the official Dave Ramsey budgeting tool.For a list go here to see what is near your neck of the woods. It's a phenomenal program and highly recommended by all us here if you are serious about getting out of debt and learning more about the Baby Steps.Ĭlasses are held all year long all over the US. A 9-week in-person or online course that comprises of videos and group discussions. BS4: Invest 15% of your gross income into retirementįPU stands for Financial Peace University.BS3: Grow your $1000 savings into 3-6 months of living expenses (fully-funded emergency fund).BS2: Pay off debts from smallest to largest using the debt snowball method.We tend to be a little more passionate in getting out of debt than some of the other subreddits. Both excellent subreddits to help you gain better control of your personal finances and get out of debt. We also are fans of /r/personalfinance, and /r/financialindependence. Cash is king.Ĭheck out our Wiki - there's lots of great information, advice, and FAQs that will help you get started! We all agree on one thing though: Debt is dumb. Some of us are die-hard DR fans and others are not. This subreddit is dedicated to helping people get out of debt by using the simple principles taught by Dave Ramsey. Welcome! Please read the rules and Frequently Asked Questions before posting.
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