Maybe this will get me some hate mail. Dave Ramsey‘s plan works great, but it does not always work for everybody…or does it. I want to use this topic to address thinking for yourself. Essentially Dave’s plan is a set of decisions that a person can make which will help them to prosper. We use…
Tag: Dave Ramsey
Getting Your Spouse On Board:The First Thing I Tried
When we got married, I first tried to get Andrea to go along with the Dave Ramsey plan. She was ready to stop being a college student and spend the money she worked so hard to earn. I had been paying down debt while I was waiting to get married so I was not on…
How to Change Your Life
This process will change your life. This is pretty simple but it takes hard work. It only requires discipline and knowledge. I will give you the knowledge. Are you ready to supply the discipline? The first step to pulling yourself up by your bootstraps is to build a foundation to grow from Step 1: Eliminate…
Dave Ramsey is an Amazing Man
Dave Ramsey is a national talk radio host and author.His teachings are basically get out of debt, build an emergency fund, and then become wealthy.Over the last few years it may have seemed stupid to pay down your house considering the increasing values; it virtually could be used as an ATM.To many, it seemed that…
Look on the Positive Side
We are all worried about the economic future, considering the doom and gloom the media is conveying. We need to regain our hope. Here are some different points of view to consider and some steps to take to get your hope back. First, many needs are being created with these changes in the economy. This…
Debt, er’ Life Snowball
I have been sharing many things I have learned throughout this blog.I write here to help you.So I can serve you better I need some of your input.Now it is time for you to speak your mind.I want to know about you.I would like to hear your thoughts, questions, and comments on the subject of…
Debt Philosophy
The other day, a friend and I stumbled upon the subject of our conflicting debt philosophies.As you have previously read, my wife and I want to eliminate all of our debts with our extra money, and then begin investing (debt snowball).My friend (we will call him Jose in this story) subscribes to the philosophy of…
Working Freedom
I have had numerous discussions about paying off debt; these discussions generally show that people fall into one of two camps. The first camp believes that you should not pay off your house because you could use that money to invest. The other camp (which Dave Ramsey belongs to) argues that if you invest your…
"To me, there is only one form of human depravity – the man without a purpose." –Ayn Rand in Atlas Shrugged
Why do we complicate our lives? This is a question I have been asking myself recently. Maybe it is a question you should be asking yourself. How many things in your life are needlessly stressing you out? I have been thinking back to when I was younger and how I did not have nearly as…