Dave Ramsey believes that by following his Seven Baby Steps people can achieve Financial Peace. Eliminating debt, saving for the future and paying off your home are all financially important goals, but trying to do them all at once will dilute your efforts. The Baby Steps plan works by focusing all your energy--and income--on one of these goals at a time.
Baby Step 1: $1,000 in an emergency fund
You might be tempted to skip this step and jump to paying off your debt, but...
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Dave Ramsey's Baby Steps to Financial Freedom
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What to Do When a Debt Collector Contacts You
When you are behind on your debt payments, every ring of the phone can fill you with dread. While there is no magic wand to make your debt disappear, there are some steps you can take to protect your rights when dealing with a debt collector.
The Fair Debt Collection Practices Act (FDCPA) enforced by the Federal Trade Commission regulates debt collectors. Certain behaviors are not allowed under FDCPA. A debt collector is not allowed to call you during unreasonable hours; too early or...
