Go here to see an overview of Dave Ramsey’s baby steps!

We were fortunate enough to start taking this class in January, so when it came time to get $1000 saved, we were able to use our tax return!  At the time we had two children, both still in diapers, so had we not gotten a tax return, this step would have been daunting.  We would of had to get second jobs, sell things, or both!