tag:blogger.com,1999:blog-7067409052402303144.post3465672020557596329..comments2023-04-19T02:22:14.661-05:00Comments on Honeycomb : With a little knowledge, finances can be your friend.Teresahttp://www.blogger.com/profile/12764866689330676750noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-7067409052402303144.post-28102641098369397512008-04-21T10:28:00.000-05:002008-04-21T10:28:00.000-05:00My parents taught me many things - one being the c...My parents taught me many things - one being the concept of PERSONAL RESPONSIBILITY. I continue to pass that on to my young adult children. I sent them the link to the Dave Ramsey article. Thanks for this post!Mary (Bookfan)https://www.blogger.com/profile/00573126476574980169noreply@blogger.comtag:blogger.com,1999:blog-7067409052402303144.post-73801083489492278542008-04-21T08:53:00.000-05:002008-04-21T08:53:00.000-05:00Living beyond our means seems exciting at first bu...Living beyond our means seems exciting at first but when that heavy debt burden comes it can seem almost impossible toget out of it. Many only learn that to their cost.Barbarahttps://www.blogger.com/profile/05799594980600477320noreply@blogger.comtag:blogger.com,1999:blog-7067409052402303144.post-22409026650449502672008-04-20T10:43:00.000-05:002008-04-20T10:43:00.000-05:00But, I will take the debt free downside of Dave's ...<I>But, I will take the debt free downside of Dave's any day of the week, and twice on, Sunday!</I><BR/><BR/>Amen to that! Why complicate our lives? If we're going to suffer either way, might as well suffer without having to jump through all the credit score hoops. And as Dave says, your credit score isn't a big issue if the only thing you need good credit for is to buy a house. And there ARE lenders who actually THINK and look at the real data rather than a number.<BR/><BR/>Yes, he's cute! Sick 'em, Dave!Kimhttps://www.blogger.com/profile/07011962056021112099noreply@blogger.comtag:blogger.com,1999:blog-7067409052402303144.post-5270303192577101172008-04-20T10:22:00.000-05:002008-04-20T10:22:00.000-05:00Thanks for being so candid, Kim. I think secrets ...Thanks for being so candid, Kim. I think secrets can often be our biggest crazy makers. Personal finances are to a degree personal, but here in the USA we treat them like an omnibus god that must be protected. When we bring them out like you just did and call them what they are, a tool, we can get free from the stress they are often allowed to cause. I hate seeing people bound up like that. Thank you, for sharing! I mean that from the bottom of my heart.<BR/><BR/>Yes, there is a down side either way. There has to be a sacrifice somewhere thanks to the as you so rightly put it "discriminatory" system we are forced to be in. But, I will take the debt free downside of Dave's any day of the week, and twice on, Sunday!<BR/><BR/>And, ain't he cute?Teresahttps://www.blogger.com/profile/12764866689330676750noreply@blogger.comtag:blogger.com,1999:blog-7067409052402303144.post-5376936503335326142008-04-20T10:12:00.000-05:002008-04-20T10:12:00.000-05:00I love Dave, as you know! I love his simple approa...I love Dave, as you know! I love his simple approach. I don't always agree with everything he says, but I agree with about 90% of it. Were it not for doing things Dave's way we would be like many right now - a basket case. But instead we are more content living without the heavy burden of paying off the past by struggling in the now. Debt is a heavy burden to carry and I entreat anyone who is in debt to suffer and live way under their means for awhile and get out! It is SO worth it. <BR/><BR/>Now, despite our being debt-free except the house (and that has a 15 year mortgage on it - again Dave's way), anything can happen. Hubby can become unemployed, a family member can become gravely ill, etc.. So much can come into play. BUT it would be much easier to weather if debt wasn't already loaded on your back. And if we can ever get our 3-month's expenses emergency fund fully funded we'd be even better off. We spent a few years helping our daughter (and then son-in-law) survive total poverty (mainly for the sake of our daughter and grandchildren), not to mention helping a few friends in situations that blessed us immensely to be ABLE to help in. So we have struggled a bit at that step. Once you are out of debt and have money, the temptation is always to givegivegive, which weakens one's resolve to build that emergency fund! lol<BR/><BR/>Anywho, I'm with ya, girl! Preach it! I have that newsletter in my inbox and need to go read it.<BR/><BR/>I also like Clark Howard, but I am much less likely to follow his advice (maybe 50% of the time) as he is all about a good credit score. Unfortunately, with the way EVERYONE is now treating our credit scores as our total identity, it's very tempting to play the game just to keep the score up. I HATE that system and think it to be GROSSLY discriminatory. Unfortunately, with Dave's way we will have to accept that there will be sacrifices and suffering of a different kind because of the system that we now live in. Phooey on that!Kimhttps://www.blogger.com/profile/07011962056021112099noreply@blogger.com