Wow this tv lasted a whole year

[Saul Good]

Originally Posted by Mr. Plow

Wife & I have a few cards between us. I've been bad about them for awhile and just recently decided it was time to put a stop to it - I've got her card paid down almost to $0 and then going to start on mine. Going to start using them monthly for a few things and then pay them off each month. But it'll be nice to have something to fall back on when the inevitable emergency happens and we need $4000 right now.

My personal experience is that you can save up $4,000 in cash pretty easily if you don't have debt.

I don't begrudge people a credit card. I would advise anyone to become debt free. From there, once all finances are completely under control, go ahead and use credit cards for the points or whatever. Just pay them off every month.

People who bag on Dave Ramsey are missing the point. Donald Trump isn't calling his show. He's getting calls from people who have lost control of their financial lives, generally for no reason other than being sloppy.

Not everyone needs to go on P90X, and not everyone needs to go full-blown Dave Ramsey. That doesn't mean that they aren't effective plans.