BABY STEPS are little steps we take so we could start walking to financial freedom.

The principles and practices that I’ll share to you are taken from 2 of my favorite financial book:

1. Dave Ramsey’s Total Money Makeover

2. Dave Ramsey’s Financial Peace

The secret to Baby steps is FOCUS. One step at a time. Don’t hit all your goals at once. We first want to develop your behavior.

Here is BABY STEP 1: Save P50,000.

Wow, you might say that’s big! Trust me it’s not. Just learn and live this word: BUDGET.

I don’t have much but I do have a budget. My budget calms me down when I have emergencies. My budget calms me down when my car suddenly breaks down.

Why? Because I’ve learned to budget the unseen.

People who win at anything have written goals. Zig Ziglar says “If you aim at nothing you will hit it every time.”

download good budget forms here