We took the course...it was beneficial in getting us to start budgeting. BUT I am not going to eat beans and rice so that I can live like a king later. We live within our means, but allow ourselves the "luxuries" we want as well.
We took the course...it was beneficial in getting us to start budgeting. BUT I am not going to eat beans and rice so that I can live like a king later. We live within our means, but allow ourselves the "luxuries" we want as well.
curly sue (03-15-2016), FaithfulOne (03-13-2016)
I was looking at his website last night, and I saw what he calls "The Seven Baby Steps", which I may give a try..I'm still mulling all of this over. At this stage in my life, I KNOW I need to handle money better, but at the same time, I want to "live"..kinda like what Lista was saying--not living on beans and rice, but not living from check to check either.
ETA: Actually only five steps are applicable for me--Steps 5 and 6 aren't.
I don't think so at all, all of the ministers I have sat under who are considered 'prosperity preachers' tell you to stay out of debt, that if you can't pay cash for something then wait, don't buy it until you can pay for it in full.
Personally in all the years that I've had credit cards I have never paid any interest or finance charges, I only charge things out of convenience if I know that I can pay it off in full during the grace period.
I wasn't familiar with him at all but from the little I've seen so far, I like what he's teaching. Here are those 7 baby steps:
https://www.daveramsey.com/baby-steps/
FaithfulOne (03-15-2016), Romans828 (03-15-2016)
I hear ya, and that's why making and sticking to a budget works - You can also "budget in" your *Entertainment/Vacation/Shopping $$$$* as well.
EDITED TO ADD: Krys, how I admire your discipline, Girl - I got so behind and in trouble by only paying the "minimum amount due" on the couple of credit cards I had, which was why I had to cut those bad boys up - LOL -
FaithfulOne (03-15-2016), krystian (03-15-2016)
Romans828 (03-17-2016)
I am DEBT FREE!!!!
And I didn't need Ramsey to do it. I just followed the Bible and paid my tithes like Jesus says to do. I have not been in debt for years.
God is Good!! All the time!