2 Years Without Credit Cards: Do I Regret It?

November 11, 2011
Living without credit cards

We’ve been without credit cards for two years now. The question is do we regret cutting up those cards in favor of cash only spending?

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Financial Peace University: Is It Worth The Price Of Admission?

April 29, 2011
Financial Peace University Cost

Over the years I’ve written quite a bit about Dave Ramsey here on this site. For those that don’t know Dave Ramsey is a nationally syndicated radio talk show host, author and financial guru.  I’ve written about his 7 Baby Steps plan for getting out of debt, as well as his 13 week financial class [...]

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Dave Ramsey’s 7 Baby Steps Review: Is This A Debt Management Plan You Should Try?

February 10, 2011

The 7 Baby Steps is a debt management process popularized by Dave Ramsey and taught in his Financial Peace University class. Should you try it?

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When Is Enough… Enough?

October 20, 2010
What Is Enough?

First off I want to thank Peter for having me on his blog as a guest writer. I wanted to try and tackle a tough question for everyone and I am glad he gave me the opportunity. After reading Peter’s article on Dave Ramsey’s New House I started to dive into the comments, post a [...]

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Dave Ramsey’s New House: Did He Follow His Own Advice And Pay Cash?

October 15, 2010
Did Dave Ramsey Pay Cash For His House?

If you’ve followed this site for a while, you’ll know that I’m a big fan of Dave Ramsey, his 7 Baby Steps To Getting Out Of Debt, as well has his 13 week class, Financial Peace University (which we helped to facilitate at hour church).   Dave has several best selling books, does huge live events [...]

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Why Dave Ramsey’s 7 Baby Steps Really Work

May 21, 2010
Dave Ramsey 7 Baby Steps

If you’ve been around the past three years, you’ve probably heard the name Dave Ramsey. The recession has popularized his teachings about saving, eliminating debt, and sound investing. Perhaps you’ve been curious about Dave’s Baby Steps, and whether or not you should give them a go. For those of you who aren’t familiar, here they [...]

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Are You Participating In All The Doom And Gloom? Don’t! Have Hope.

March 27, 2009

Ever since last September our (or arguably before then) our economy has been in a downturn.  Big companies, small lenders and consumers all engaged in irresponsible behaviors that resulted in the failure of  businesses, and necessitated the bailouts of many others.  People are being laid off left and right,  and things are extremely tight!  So [...]

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Accountability: Sometimes You Need Someone To Slap You On The Back Of Your Head

March 19, 2009

When we were taking Dave Ramsey’s personal finance course, “Financial Peace University” last year, one of the things he stresses in his course is the need to have someone in your life who can keep you accountable for your financial goals.   For single people it might be a close friend, a mentor or a parent.  [...]

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Where Dave Ramsey and I Part Ways

March 6, 2009

We’ve all been following Pete’s series on Dave Ramsey’s baby steps program with the utmost interest. As someone that has never struggled with debt, the need for the program has never presented itself to me. However I discovered his radio show in college, and really like the call-ins from listeners with financial problems. The show [...]

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Dave Ramsey’s 7 Baby Steps Review: Get Out Of Debt, Build Wealth And Give.

March 5, 2009

Here is an in depth look at Dave Ramsey’s Baby Steps plan for getting out of debt, building wealth and giving.   The plan really is a pretty simple one, some might say it’s common sense,  but it brings home a lot of concepts that a lot of us don’t normally think about. I thought it [...]

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5 Keys To Overcoming The Urge To Splurge

November 21, 2008

Christmas is for debt? Christmas will soon be upon us with all of the good cheer, family get togethers and presents! All of the big department stores are already in full-on Christmas mode, with aisles upon aisles of decorations in the front of the store and Christmas music pumping over the PA systems.  It’s hard [...]

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Unintended Consequences Of Doing A Budget

November 20, 2008

Doing a budget has decreased our spending photo credit: Jeff Keen Within the past few months my wife and I have started doing a zero based budget where every dollar is allocated before it comes in.  When the paychecks are deposited each and every dollar is assigned a job, whether it be paying bills, groceries, [...]

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Reader Question: Is It A Good Idea To Get A 401k Loan To Pay Off Debt?

November 13, 2008

I had a question posed to me this week about 401k loans, and whether they were a good idea.  The person said they were considering using a 401k loan to pay off some higher interest credit card debt.  The rationale behind doing this was that they’d rather pay themselves interest than the credit card company, [...]

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A Way To Control Spending: The Envelope System

November 3, 2008

We need a way to cut our spending This past summer my wife and I took a class called “Financial Peace University“.  The class is built around the teachings and personal finance framework put together by Dave Ramsey. Ramsey has made it his career goal to help people take responsibility for their financial life, get [...]

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