We were financially normal: student loans, credit cards, car payments and a house payment. My husband and I were surviving, but not building a solid financial future.

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In 2008 we got caught in financial turmoil. Our income was cut in half and with a toddler we were not able to see a way out. We had to short sell our home and move in with my parents in 2009.

 

In 2010 we found Dave Ramsey and finally had hope for our future. We were $114,000 in debt...but we had a plan. Working the Baby Steps, we were able to save a small emergency fund and then start paying off our debt.

 

After 4 1/2 years we were debt free! Continuing to work the Baby Steps, we now have an Emergency Fund and were able to purchase a home.