If you have a financial plan, you know where you are going and why you are doing what you are doing, therefore, it makes it easier to save and spend less. However, even Dave Ramsey has made exceptions.
Step one of the baby steps for Dave Ramsey is save $1,000 for emergencies while you are paying off debt. However, he does specify that if you earn less than $20K per year, your baby step one should be save $500 for emergencies.
Be flexible and mend everything to your on situation.
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