The Total Money Makeover consists of Dave Ramsey Baby Steps to build an emergency fund, get out of debt, invest, and start to gain financial independence. Here is an in-debt introduction to his baby steps to get you started.
Dave Ramsey's Baby Steps to a debt free life work! If you're new to the program the baby steps can be confusing. So here's a great explanation of the Dave Ramsey Program. Budgeting, frugal living, thrifty living, living frugally, money saving tips
The Baby Step Fitness Program with Free Printables. - The Busy Budgeter The Baby Step Fitness Program uses behavior modification techniques to make small sustainable changes over time without struggle. Perfect for weight loss!