" by Thomas J. Stanley and William D. Danko. In addition, they scoured the internet for guidelines on budget writing and paying off debt. Much to Baggerly's surprise, at the time she was searching there weren't too many helpful resources online. But they put together everything they learned and made a plan.
Eventually, they developed one that worked well for them. Their new budget, which allocated money toward restaurants and other miscellaneous spending, was much easier to stick to long term.They leveraged the 'snowball method' "After we paid off each loan," Baggerly said, "I would cross it off the list. Then, we'd take our minimum payment from that loan and apply it to our next loan."There were times along the way when Baggerly and her husband had to press pause on the process, like when they had each of their two children or had to unexpectedly pay for a surgery or new car transmission.
Every Sunday at 7:00 p.m., Baggerly and her husband have a family business meeting to talk about their budget — they allocate each and every paycheck — and ensure they're on track to meet their money goals. They take this time so seriously that they even put it as a recurring meeting on their calendars.The Baggerlys' monthly payment calendar.Recently, while out to dinner, Baggerly and her husband had a more in-depth than usual chat about money.
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