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Baby Steps Dječji Koraci

Cut up your credit cards. Izreži svoje kreditne kartice. Pledge never to go into debt again! Zalog nikad ići u dug ponovo! Don’t rely on your credit cards as an pseudo “emergency fund.” Not having them will motivate you to get on the ball. Ne oslanjati na vaše kreditne kartice kao pseudo "hitne fond." Ne da će ih motivirati vas da se na loptu.

“When he reached the New World, Cortez burned his ships. "Kad je dospio u New World, Cortez spalio njegove brodove. As a result his men were well motivated.” Kao rezultat toga njegovi ljudi su dobro motivirani. "

- Captain Marko Ramius;  Captain of the Red October - Kapetan Marko Ramius; kapetan Crveni listopad

1. Make minimum payments on all your bills (get current first). Provjerite je minimalna uplata na sve vaše račune (dobiti tekuće prvi). Save $1,000 cash. Spremi $ 1000 gotovinu. This is your beginner Baby Emergency Fund. To je vaše bebe početnik Hitni fond. The baby emergency fund should help you avoid incurring more credit card or other debt when the transmission falls out or an other emergency strikes. Bebe hitne fonda trebale bi vam pomoći izbjeći incurring više kreditne kartice ili druge dužničke kad padne iz prijenosa ili drugim vanrednim udara. Some use and reestablish the baby emergency fund multiple times. Neki koristiti i reafirmirati bebe hitne fond više puta.

2. Pay off all of your debts in order of smallest balance to largest. Isplatiti sve svoje dugove, kako bi od najvećih do najmanjih ravnoteže. “Snowball” the payments as you go. "Gruda snijega" isplate kao i ti ići. “The Debt Snowball” is analogous to a snowball rolling downhill. "U dugom gruda snijega" je analogan za valjanje grudva snijega spusta. Each time you payoff a debt, you pick up more snow. Svaki put kada se osveta dug, ti podići više snijega. This is where Dave’s plan may deviate from math. Ovaj je gdje Dave's plan svibanj odstupati od math. Dave has learned that personal finance is 80% personal behavior. Dave je saznao da osobne financije je 80% osobnog ponašanja. Dave calls these payoffs, “attaboys.” Get a few attaboys and your confidence grows. Dave poziva ove payoffs, "attaboys." Uzmite nekoliko attaboys i vaše samopouzdanje raste. This is by far the most difficult baby step for most people. To je daleko najteže beba korak za većinu ljudi. This is the stage that requires the most Gazelle intensity. To je faza koja zahtijeva najviše Gazelle intenziteta.

2b. Call Dave and SCREAM, I’MMMMMMMMM DEBT FREEEEEEEEEE! Call Dave i Scream, I'MMMMMMMMM dugom FREEEEEEEEEE!

3. Create a full-fledged Emergency Fund containing 3 to 6 months’ worth of living expenses. Napravite punopravni Hitni fond sadrži od 3 do 6 mjeseci 'vrijedan življenja troškova.

4. Direct 15% of your annual pre-tax income into your retirement plans. Direktni 15% svog godišnjeg pre-prihodi u svoj mirovinski programi. Utilize tax-advantaged accounts such as 401ks and Roth IRAs, if eligible. Koristiti porezne advantaged računa kao što je 401ks i Roth IRAs, ako je kvalificirana. Get to your 15% with employee matched first (up to the match), Roth IRAs next if eligible, then go back to 401k, etc. until you get up to 15%. Dobijte na svoj 15% zaposlenika sa podudarajuće prvi (i do utakmicu), Roth IRAs pokraj ako podobni, a zatim se vratite na 401k, itd. sve dok ne dobije do 15%.

5. Take care of college funding. Pazite na faksu financiranja. Fully fund Educational Savings Accounts and/or utilize 529 plans for your children(s) college fund. Potpuno fond Obrazovni štedni račun i / ili koristiti 529 planove za svoju djecu (a) koledzu fonda. No kids yet? Br. djece još? Skip this step. Preskoči ovaj korak.

6. Become 100% debt-free: Pay off your home early. Postanite 100% duga-free: otplatiti svoj dom rano. This is the holy grail to Dave Ramsey’s flock. To je sveti gral za Dave Ramsey stado. Once baby step 6 is achieved, the home owner is encouraged to take shoes and socks off and walk around in the yard with bare feet. Kada beba je postignut korak 6, vlasnik kuće je ohrabrilo da se cipele i čarape i hodaju isključite oko na dvorište s gola stopala. The grass feels different. Travu osjeća drugačije. At this point, you don’t owe one red cent to anyone. U ovom trenutku, ne dugujete jedan cent crvene svima. Everything that is yours is actually yours (and God’s). Sve što je tvoje je zapravo tvoj (i Božju). Enslavement ends upon completion of Baby Step 6. ROPSTVO završava na završetku Baby Korak 6. The borrower is slave to the lender no more. Dužnik je rob na vjerovnik nema više.

7. Build wealth with paid for real estate and/or mutual funds. Izgradite bogatstva s plaćeni za nekretnine i / ili investicijski fondovi. Live like no one else, so later, you can GIVE like no one else. Žive kao nitko drugi, pa kasnije, kao što vam može dati nitko drugi.

Dave Ramsey Soundboard - Play Dave. Dave Ramsey Soundboard - Dave igrati. Great Prank! Velika podvala! Try it on your Dave Ramsey fan friends or use it on the next credit card collector that calls you. Probajte ga na vaš obožavalac Dave Ramsey prijateljima ili ga koristi na sljedeći kreditne kartice kolekcionar koji poziva vas. Just put your phone by the speaker, pull up the soundboard, and let the fun begin. Dovoljno je staviti svoj telefon uz zvučnik, zaustaviti se na soundboard, i neka se zabave početi.

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