Modifying the Dave Ramsey Baby Steps to Pay Off Debt with Merilee of Easy Budget – EP 35

We’ve got Merilee from Easy Budget (instagram sensation!) on the podcast today. She and her family have used Dave Ramsey’s baby steps – with their own modifications – to pay off $52,000 of debt. Merilee talks candidly with us about her debt free journey and ways we can all experience freedom even in the process of obtaining financial independence!Sponsors:


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Reused Gift Bags: Can’t bring yourself to toss those perfectly good gift bags you got from the white elephant gift exchange? You don’t have to! By reusing gift bags you’re saving money, time, and the environment. Take those gifts home with you in the bags from wence they came and save them in the privacy of your home, away from your mother’s judging eyes. Gift bags of all sizes can be saved and reused for years to come. And as an added bonus throw that tissue paper right up in there and it’ll be crisp for next use, just don’t forget to check the gift tag for previously written notes.

Notable Notes:

We got to ask Merilee all of the questions! She shares more about their debt free journey and how they have made this process work for them.

  • Questions
    • When and how did your debt free journey start?
    • Tell us about the ways you and your husband approach money differently, and what struggles have you faced during it?
    • How are you modifying the baby steps and are you happy with those modifications?
      • Merilee’s modifactions:
        • Still contributing to 401k
        • Bought a house during baby step 2
        • Maintain a bigger emergency fund
        • How do you stay motivated?

BILL OF THE WEEK –  Thanks Merilee for sharing your favorite bill and your love for amazon prime!! (Here’s the link to the Tinkle Razor for anyone interested ;))

If you want to submit your bill of the week visit to leave us a bill

 More from Merilee

  • What are your recommendations for side hustles for stay at home moms?
    • Nanny – find gigs where you can bring your own children or watch others’ children in your home
    • Find stay at home work – such as appraisals
    • Consider selling items on Etsy
    • Ask around! Be creative!
  • Tell us about your debt snowball calculator?
    • Find Merilee’s awesome creations HERE

More To Explore