Debt Freedom Journey

Popularized by Dave Ramsey around the 2010s, the debt freedom journey is just in time for the average American to get their money straight.
The goal is to get out of debt to regain your time and mental well-being. This journey can help you reduce your stress, improve your financial security, and provide you with more financial freedom.
Here's How to Start Your Debt-Freedom Journey: Review your net worth; Add up all of your debt; Track your spending for at least the last 3 months with mint.com, personal capital, or the like. Freed is better, Create a realistic budget that you can follow; Negotiate your bills/lower expenses where you can with your service providers; Learn to adjust your budget as necessary, since things happen; Determine how much money you have left over after expenses; Build up your emergency fund first and follow it up with an emergency plan.

It's a start to Financial Freedom.

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