The snowstorms may be over, but the good folks in the Northeast and Midwest ain't out of the woods yet. After days and days of the white stuff piling up, all those joes and jills can start putting things back in order. But it won't be easy. You're looking at no electricity, lots of shoveling and enough windshield-scraping to put anybody in a bad mood. Life threw a curve ball, baby, and tens of thousands of people got beaned.

Don't get caught off guard by Murphy. It may be snowstorms or a car wreck, but life happens. So be ready. Get started on your Baby Steps. Save up your baby emergency fund, then deep-six your consumer debt with the Debt Snowball (no pun intended). Then, once you stock away 3-6 months of expenses, Murphy will visit less, and you won't notice him as much. That's good advice straight from The Dave Ramsey Show.