How to Win With Money in 7 Simple Baby Steps

Raise your hand if life is busy? Phew! Glad we’re not the only ones. Sometimes it can feel like we’re winning at life if we get the kids fed and in bed by 8:00. Still, we all have bigger dreams, don’t we? And, let’s be honest, most of them require money and financial stability. If only there was a proven way to go after our goals while also living our busy, day-to-day lives . . .

If only . . .

Okay, teasing time is over. We have the answer: Baby Steps.

What Are the Baby Steps?

The Baby Steps are your key to financial peace. And the steps are simple. So why isn’t everyone winning with money? Because each step also requires a bit of discipline. After all, if you want to live like no one else, you have to live like no one else. Don’t worry if this sounds redundant now—you’ll get there eventually. Let’s dive in!

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Retire a Millionaire on Just $35 a Week

Whether you work at home or in an office, you work hard to make a living. But the truth is, providing for a family is expensive. Add financial setbacks into the mix, and it takes all your energy just to cover the bills.

Saving for retirement? Well, that’s a dream for another day. 

Or is it?

We’ve got good news! You don’t need a big, cushy salary to fit a comfortable future into your budget. Here’s an easy plan you can start today.

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6 Ways to Pay for College Without Debt

It probably goes without saying that college isn’t cheap. But we just said it anyway.

The good news is that you have all kinds of options when it comes to paying for your kids to go to college—and none of them include student loans! And most don’t include a mandatory diet of ramen noodles.

Don’t believe us? Here are five ways to pay for college without using student loans: 

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2 Big Perks of Baby Step 7

You’re totally debt-free. You have no car payments, no house payment, no credit cards or student loans. Your retirement is well funded, and your kids have enough money for college.

Welcome to Baby Step 7 (also known as the good life).

It’s time to start enjoying more of your hard-earned income. Just remember, the point of the last Baby Step isn’t to escape reality. The point is to allow yourself some well-deserved freedoms in daily life.

How will you live and give like no one else?

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3 Questions to Ask Before Using Your Emergency Fund

So let’s say you’ve completed the first three Baby Steps. You are free from debt, and you’re well on your way to saving for a great retirement and a loan-free college experience for your kids. But inevitably, something comes up that will cost thousands of dollars to replace, repair or redo.

Some of these things—a broken air conditioner in the heat of the summer, a leaky roof or a major medical issue—are obvious grounds for breaking into the emergency fund without thinking twice. After all, that’s what it’s there for.

But there are some events that are just out of the obvious zone. How do you decide when it’s appropriate to tap into those emergency savings?

These three questions may help you make up your mind before using your saved-up stash.  

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