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[quote=Anonymous][quote=Anonymous][quote=Anonymous]While I don't listen to Dave Ramsey regularly, he is a firm believer in cutting out all the unnecessary expenses out of your daily life to save $$ and get out of debt. You don't NEED a new car and cable and a Starbucks.  He wants people to understand need vs wants.  Some people didn't learn basic finances early in their life and now need to dig out. Don't get off track with the credit score stuff.[/quote]

Yes, he is a big believer in ripping off the band-aid and getting your debt paid off.  If that means forgoing Friday night pizza, your Starbuck's habit and doing a staycation this year, so be it.

[b]But I had never heard of him telling people to cut up their credit cards altogether and pay for everything in cash instead. [/b] That would be nice to do in theory sure.  But it is not practical advice.  Buying old cars that you can afford to pay cash for only works if you are pretty handy with keeping old cars running.

[/quote]

??  That's pretty much his first piece of his advice.  Have you ever actually listened to his show?[/quote]

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