I’ve been listening to more talk radio lately and I keep catching Dave Ramsey on the air. His basic tenants for living debt free are wise and make perfect sense to me. These are things that my husband and I already practice in our finances after digging ourselves out from under an amount of debt that we decided was too much for us to carry. We’ve never had to file bankruptcy, we never let our debt get that far. It just got tight one month and we made the rent by the skin of our teeth. That was when we got aggressive and paid off every card we had, and cut them up one by one.
Our home is something we never wanted to mess with or put at risk. We have never gambled on making sure there was a roof over our heads. That always came before everything else. Risking losing your house, so that you can live beyond your means is something that has never made sense to us.… [Read More]