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@Anonymous wrote:
I'll say it again: Clark Howard. He's the "Best Of DR - PLUS common sense credit strategies. DR sounds like my drunk uncle at Thanksgiving who's broke as **** and not a single credit card to his name while bragging about how smart he is.
Now THAT was funny!
If one lacks self control with their monetary expenditures, then the DR plan might be for you.
I haven't paid a penny in credit card interest in years. I think those that do are salamanders. My past problems with credit cards were my own fault. I used to use the old tired a** excusses like job loss, car broke down...again, and other assorted life happens excuses.
Cash liquidity is where its at for me. The plastic is nothing more than a vehicle to get business done and earn rewards. PIF every month. There is real power in having a fully funded 12 month or more cash emergency fund to handle everything from the rent/mortgage, to life happens moments. Plus I have 401k etc.
The only fall out I have is dealing with friends and some family who have no concept of 1st grade level budgeting. The DW and I always get the evil eye when life happens to us and its not a meltdown crisis.
We are not rich, but have disciplined ourselves to get where we are at.
It's kind a eff'n sexy to have $200k in available credit, and the discipline not get into trouble with it.
@TheVig wrote:If one lacks self control with their monetary expenditures, then the DR plan might be for you.
I haven't paid a penny in credit card interest in years. I think those that do are salamanders. My past problems with credit cards were my own fault. I used to use the old tired a** excusses like job loss, car broke down...again, and other assorted life happens excuses.
Cash liquidity is where its at for me. The plastic is nothing more than a vehicle to get business done and earn rewards. PIF every month. There is real power in having a fully funded 12 month or more cash emergency fund to handle everything from the rent/mortgage, to life happens moments. Plus I have 401k etc.
The only fall out I have is dealing with friends and some family who have no concept of 1st grade level budgeting. The DW and I always get the evil eye when life happens to us and its not a meltdown crisis.
We are not rich, but have disciplined ourselves to get where we are at.
It's kind a eff'n sexy to have $200k in available credit, and the discipline not get into trouble with it.
My only disagreement is with "kind a". No, it's definitely, totally sexy! Finally maxxing out the retirement contributions - THAT feels good too
@BurgeoningHope wrote:
maxxing out the retirement contributions - THAT feels good too
Sure does! That was a commitment I'm really glad I finally made.
Those extended warranties dealers try to be bad deals as they pressure you so much into buying one, I have never bought and have never regretted. If I buy on on my current car I will buy one right before manufacture warranty and contact a ton of dealers to see who gives me the best price.
@Anonymous wrote:Those extended warranties dealers try to be bad deals as they pressure you so much into buying one, I have never bought and have never regretted. If I buy on on my current car I will buy one right before manufacture warranty and contact a ton of dealers to see who gives me the best price.
Agreed. An extended warranty is never a good deal... because of the fine print. - The issue is that when you go to use your warranty, the warranty doesn't cover the most likely things that will go wrong.
Now, if there were an extended warranty that covered everything, including routine maintenence... it might be worth it.
Alas, Extended Warranties are nothing but pure profit, and not for the benefit of the consumer.
Consumers would do well to avoid the Finance Manager after purchasing a car. Learn how to say, "I'll pass on that."
If you cannot afford to provide regular maintenence and fixes for your own car, than the car is either too fancy, or too old... or you just cannot afford that car.
@Anonymous wrote:
...people hear the "don't use credit" step & ignore the rest.
I happily use my credit. What I won't do is let my credit use me. I think a lot of the Dave Ramsey crowd doesn't understand the difference, to their detriment.