Have you heard of Dave Ramsey's Baby Steps?

[Astarlessnightsky]

Sounds like another "Rich guys give advice to poor guys" book.

If you are in debt and live paycheck to paycheck, saving up 1000 bucks is nearly impossible in the first place.

And if you have enough money to spare and save at the end of the month you don't need it, cause these guys usually have it covered already.

[perfectchaos]

I love Dave Ramsay and I agree with his steps but I think of them as slightly loose because depending on income is going to change how easy it will be to follow those rules. For example I have a good job. I can follow fairly close to his rules. My bestfriend has a shitty job and he could not survive now a days without having to take on some debt. He cannot save for a house because there is no leftover money for house. He doesn't splurge either.

[rebeliouse]

can work for some but main thing is reduce costs and increase income then the above apply like others say on here hard to save and pay off debts if income is less than current outgoing. I would also say start to pay debts off first dont bother with the save 1k

pm me more ideas

[goaded]

"Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

Don't spend more than you earn.

[Sevenpointfive]

i live on the beach surf and rob rich people when i need to

[Tstrbrainer]

I haven't heard of it, but it looks cool. May not be feasible for everyone though

[msc545]

Sounds like another financial get-rich-quick scam.

[bklynbadboy1]

No never heard of him

[Agape93]

You spamming?