Being “Normal” Costs An Average of $600,000 Over a Lifetime: Here’s Why We Are Fighting Back

May 22, 2012
a lifetime of debt

Dave Ramsey is fond of saying that you don’t want to be normal because “normal” is broke.  Now, CreditLoan has graphic proof of that in the infographic, “A Lifetime of Debt: The Financial Journey of the Average American.”   Comprised of information from several sources, this infographic, which is laid out like the Life board game, [...]

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Paying Down Debt With Gazelle Intensity? How Much Of An Emergency Fund Do You Need?

April 18, 2012
Emergency Fund Size

Should some families have a larger emergency fund than others? What is the right amount for your family to set aside in an emergency fund?

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Which Method Is Best To Pay Off Debt: Lowest Balance To Highest Or Highest Interest To Lowest

April 2, 2012
debt payment methods

When it comes to paying off debt, there are a variety of plans offered by various financial gurus. Which debt repayment plan is the best?

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5 Things You Should Not Do If You Have Debt

March 26, 2012
debt reduction do and don't

If you have a significant amount of debt, there is no easy way around the fact that you must change your behavior to eradicate the problem.

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Paying Down Debt Should Be Like Interval Training

February 27, 2012
debt repayment

Sometimes when you’re in the middle of paying off debt you start to burnout and need a break. Here’s why taking a break on debt repayment can be a good idea.

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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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