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[quote=Anonymous]What always got me with balance transfers is that I'd end up running up the original card again. The idea behind Dave Ramsey's plan is to ignore interest rates for the most part and focus on the behavior change that is required to get on a budget and pay off your debt. If you feel like you need some discipline/support, come over to the Dave Ramsey forums (www.mytotalmoneymakeover.com). People are extremely supportive and helpful. I also agree with the PP that you should first ensure you have a small emergency fund - DRs baby step 1 is $1,000 in the bank for a "baby emergency fund". I'd do that first. Then start working on the credit cards. [/quote]
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