Once again, we have met the third baby step in Dave Ramsey's baby step plan! Yep, we went backwards for a few months so we could replace my car. Praise God we were able to save back the extra money we spent on the car fairly quickly! That's right, our emergency fund is funded enough to support us for 3-6 months should one or both of us lose a job. I certainly hope that we're not in that situation anytime soon, but if we are, I have some confidence now that we're financially prepared.
Now the fun part begins; dreaming and saving for our first house! It's a bit depressing to think that it will take us well over a year, if not two years to save 20% for a down payment- especially when I think about all the friends our age or younger who already own their first or second house and have for several years. However, we have the goal in mind, and we're ready to work our butts off to make our dream of owning a home a reality! I know we can do it, but it will no doubt require discipline and lots of time!
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