Comments on: Frugal Friday: When in Debt, Let Dave Help You http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html On the Road to Joyful Motherhood Sun, 14 Mar 2010 20:01:34 -0700 http://wordpress.org/?v=2.9.1 hourly 1 By: lkr12345 http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-6442 lkr12345 Fri, 09 Oct 2009 13:09:22 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-6442 I've read Dave Ramsey's Total Money Makeover book, and watched his TV show a number of times. I'm glad his advice works for some people to help them get out of debt. However, I am SO glad I didn't encounter his advice earlier as it would have cost me tens of thousands of dollars if I had followed his philosophy regarding credit cards. I've never paid a dime in fees to a credit card company in my 38 years of using credit cards. I don't spend more as a result as I make lists before I shop. <br /><br />What I find most amusing about Dave's TV show is the way he bullies people - "believe what I say or you are STUPID." Well I don't believe everything he says as some of it makes no sense at all. And guess what? I'm not stupid and am very financially comfortable. To those who see a different path, please don't let his bullying intimidate you. Not all that he says fits all people and all circumstances. He is a TV/radio personality with some very basic, simplistic advice that works for some folks, but certainly not all. I've read Dave Ramsey's Total Money Makeover book, and watched his TV show a number of times. I'm glad his advice works for some people to help them get out of debt. However, I am SO glad I didn't encounter his advice earlier as it would have cost me tens of thousands of dollars if I had followed his philosophy regarding credit cards. I've never paid a dime in fees to a credit card company in my 38 years of using credit cards. I don't spend more as a result as I make lists before I shop.

What I find most amusing about Dave's TV show is the way he bullies people – "believe what I say or you are STUPID." Well I don't believe everything he says as some of it makes no sense at all. And guess what? I'm not stupid and am very financially comfortable. To those who see a different path, please don't let his bullying intimidate you. Not all that he says fits all people and all circumstances. He is a TV/radio personality with some very basic, simplistic advice that works for some folks, but certainly not all.

]]> By: Anne http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5926 Anne Fri, 21 Aug 2009 17:36:48 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5926 I have never read his book; I should check it out of the library! I have never read his book; I should check it out of the library!

]]> By: Phoebe @ Cents to Get Debt Free http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5925 Phoebe @ Cents to Get Debt Free Fri, 21 Aug 2009 15:14:27 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5925 Oh man, Dave is the man! We wouldn't be where we are financially without him. His FPU classes is what initiated our debt-freedom journey, and ultimately the birth of my blog. His materials and shows definitely come with high recommends from me, as well. Oh man, Dave is the man! We wouldn't be where we are financially without him. His FPU classes is what initiated our debt-freedom journey, and ultimately the birth of my blog. His materials and shows definitely come with high recommends from me, as well.

]]> By: Amy Platon http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5924 Amy Platon Fri, 21 Aug 2009 14:18:43 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5924 The best way to stretch a buck is to not spend it. I stay in. The fewer trips I make out of my home the less I spend. But I did realize that I made the most progress in lowering my debt when I got honest with my situation. I think if you are showing your spouse the honest figures there is no arguing (not if your showing to make changes not to blame the situation on the other person.) Once you're honest about your finances and you start telling friends you're in debt you will believe it, then start living your way out of it. I don't say "Honey i saved $30 at the grocery store." anymore. Cause I haven't saved a thing until it hits the savings account. Keep on keepin' on! The best way to stretch a buck is to not spend it. I stay in. The fewer trips I make out of my home the less I spend. But I did realize that I made the most progress in lowering my debt when I got honest with my situation. I think if you are showing your spouse the honest figures there is no arguing (not if your showing to make changes not to blame the situation on the other person.) Once you're honest about your finances and you start telling friends you're in debt you will believe it, then start living your way out of it. I don't say "Honey i saved $30 at the grocery store." anymore. Cause I haven't saved a thing until it hits the savings account. Keep on keepin' on!

]]> By: Hattie http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5923 Hattie Fri, 21 Aug 2009 13:39:55 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5923 Some friends of ours took Financial Peace University earlier this year through our church, and they loaned us the book and CDs that came with the class to read and to listen to. The only debt that we carry is our mortgage (thankfully!), but we are still enjoying all of the advice and wisdom that he offers in the CD lectures. We would definitely recommend his class to anyone struggling (or not struggling!) financially. Some friends of ours took Financial Peace University earlier this year through our church, and they loaned us the book and CDs that came with the class to read and to listen to. The only debt that we carry is our mortgage (thankfully!), but we are still enjoying all of the advice and wisdom that he offers in the CD lectures. We would definitely recommend his class to anyone struggling (or not struggling!) financially.

]]> By: Southern Gal http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5921 Southern Gal Fri, 21 Aug 2009 12:30:18 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5921 Love that book. Ordered his deluxe money envelopes last month and it's putting grocery shopping into a new perspective. When it's gone, it's gone... Love that book. Ordered his deluxe money envelopes last month and it's putting grocery shopping into a new perspective. When it's gone, it's gone…

]]> By: Kimberly http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5920 Kimberly Fri, 21 Aug 2009 10:45:53 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5920 My husband and I attended Dave's Financial Peace University (FPU) at our church earlier this year. We are working on Baby Step 2---The Debt Snowball. It's tough, but we've paid off about $9000 so far this year. We've got a long way to go still, but we've got a good start I think. I can't wait to call Dave and tell him that "WE'RE DEBT FREEEEEEEEE!" My husband and I attended Dave's Financial Peace University (FPU) at our church earlier this year. We are working on Baby Step 2—The Debt Snowball. It's tough, but we've paid off about $9000 so far this year. We've got a long way to go still, but we've got a good start I think. I can't wait to call Dave and tell him that "WE'RE DEBT FREEEEEEEEE!"

]]> By: Diann @ The Thrifty Groove http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5919 Diann @ The Thrifty Groove Fri, 21 Aug 2009 06:37:38 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5919 We have been fans of Dave's for awhile now. I followed his basic principals to get out of credit card debt and I can say it worked! We have been fans of Dave's for awhile now. I followed his basic principals to get out of credit card debt and I can say it worked!

]]> By: Andrea http://lifeasmom.com/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html/comment-page-1#comment-5918 Andrea Fri, 21 Aug 2009 04:17:15 +0000 http://lifeasmom.net/2009/08/frugal-friday-when-in-debt-let-dave-help-you.html#comment-5918 That's one of my favorite finance books. :) That's one of my favorite finance books. :)

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