Lately, I have been trying to read different blogs and articles about personal finance. Looking at different programs, so far I like the Dave Ramsey approach. Some people write about how simplistic it is and if it is the right approach for these tough economic times. I am not a personal finance expert but I like the program. I like how you are able to accomplish little goals and that encourages you to keep going. When we finished Step 1, we were so excited and we even cheered out loud as we saw $1000.00 in our savings account.
I have been wondering about others I know and if the program will work for them and some of them were interested but have not taken the first step. My mom, two sisters, and cousin and his girlfriend bought the book, but they haven't yet finished step one. I know my cousin and his girlfriend are now working towards it, they have sat down together and figured out what they want to accomplish. One of my sisters is tying to get it together now after she was faced with not having any money for gas to get to work a whole week before her next paycheck. I tried to counsel and share our experiences with them, but I don't want to come off as lecturing or judging them. When they finish step one, I am going to ask them how they feel and post it here for them, so they can track their progress too.