Personal Responsibility

[crakjak]

Originally Posted by ImThankful

My son is teaching these lessons at the apostolic church he and his wife attend. He is 24 yrs old and just paid off his house that he bought 2 yrs ago. It can happen if you are willing to buckle down and pay the price.

That's what I mean, there is a cultural mindset of debt in this country, it is promoted by the banks that sell debt.

We can, "live our wage" pay cash and not be a "slave to the lenders", Dave's books are the very best. They show exactly how the strapped person or family can get out of debt and stay out.

We found Dave Ramsey fifteen years ago, when we were broke and struggling, worked thru the program, began to pay cash, stopped making debt (its amazing, if you stop borrowing, you will eventually have no debt). No car payments or credit card debt for years, paid off children's private school in cash, paid college, three college graduates, nice house will be debt free soon.

Two married children, and one just out of college one year ago, none of them have credit cards, paying cash, no car payments, minor college loan soon to be paid off. They have a tremedous advantage, they got it early, and can't believe folks have tens of thousands on credit cards. But no matter, you can be debt free no matter the amount in two to seven years and live debt free for the rest of you life.

Get the book, stop doing the same things, denial won't get you there, action will!!! Credit card companies are the scum of the earth, but don't do consolidation, nor consumer debt companies, you can do it yourself, "Total Money Makeover" by Dave Ramsey will show you step by step exactly how to do it.

Find a one of his training programs in a church near you, it will give you the basics and a kick in the seat of the pants, the book is the guide. Follow the steps religiously, tells how to deal will creditors, how not to panic, and never ever give them access to your bank account or post dated checks. Then after you get out of debt, you can accumlate wealth at the same rate as you went into debt, have money to give to causes that you believe in, support kingdom work, what a way to live!!!!