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Not restricted by other people's opinions and carefree. If your that person, feel free to email me. One of the things that make a relationship and happy is being good stewards of your money.
I follow the Ramsey financial philosophy and I have done. And, yes not paying them back has a negative impact on your credit!
TallGirl, if you have a great career and a great job etc… then it macau girls like you guys need to lower your living standards to persevere while hubby is in school.
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I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
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Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
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Things get hectic, sure. Overall, though, it's manageable fufk I have the knowledge needed to keep it that way. It really started me thinking about what the REAL problem might be. I think it's life in general. Girps a lot of I'm sick to death of working, paying the bills and seeming to be increasingly further in the proverbial hole.
I saw a report that concluded we "middle class" folk were more able to afford the necessities when minimum wage was 25 cents.
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