11-12-2008, 11:56 AM
cuppie Wrote:We get Dave Ramsey up here in Grand Rapids too. He talks about no credit cards. He also talks about no mortgages if you can do it, but realizes that it's not going to happen. 99.9% of people are going to need a mortgage. His advertiser for mortgages is a company that he personally endorses and recommends everybody use because they're a company that will tell you honestly if you can afford a house or not.
On a side Dave Ramsey not, I have one more loan to pay off and then I owe nobody but Sallie Mae and it's going to be great.
Be careful what you say here. I got into that position too. I paid school off, my car, ALL credit card debt, etc. My reward was going to be the 42" LCD TV that I've been waiting for for so long. Instead my reward was a failed transmission.... I'm now back to square one, and I had to put the tranny on my credit card because I attacked my debt before saving up an emergency fund.
I'm only 25 though, so I have plenty of time.....just wanted to complain. ;D