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Showing posts from August, 2016

Preparing for Childbirth

The last thing I recorded for posterity was my attempt at humor on customers’ doorsteps. That was on July 7th. One month and 20 days later, it’s time to talk about something else. But first, a bit about money.Freeing yourself from the slavery of consumer, personal and other debt is the longest and hardest baby step for us. It’s also the second step in Dave Ramsey’s Total Money Makeover, not the first. The first is to put away $1,000 for emergencies because life happens. But what if BIG life happens? Health problems, car trouble, ailing loved ones, and yes, childbirth. Those usually cost way more than $1,000. Your money in this situation is your ally. When storm clouds arise, you need to stop your Total Money Makeover and just hoard cash until the storm passes. Then, you dump whatever wasn’t spent on the emergency back into your Debt Snowball and keep rolling. Right now, let’s say you’re hoarding money. It’s just piling up. You’re getting ready for the storm, so that’s good. But what i…