The year of 2020 was a year of changes for many people. For one Army veteran and single mother, it was the year she accomplished her financial goals and paid off $87,000 in debt. Nyajuok Tongyik Doluony knew she had to get her five-figure credit card bills and car payments under control. So, determined, she made it her goal for 2020. “I was desperate. I didn’t want to get out of the Army with my debt,” she told Good Morning America. “I wanted to just focus on taking care of myself and taking care of my kids.” Fortunately for Doluony, there were resources available for people in her situation. She turned to the personal finance advice of radio host Dave Ramsey and adopted his recommended “baby steps” method to ensure her outcome. These habits include: 1) naming a personal reason for your goal, 2) planning your spending ahead of time, …