I know I'm not the only one that had an affair with credit. We were so in love with each other and just like everything else in my life that has been easy, credit turned out to be my downfall.
Purchasing items, going out to eat, and buying gifts felt good. Well temporarily until the bill came at the end of the month. Then it really hurt once the teaser rates ended. All of a sudden I was a slave to the debt I had incurred. Mortgages, credit card payments, car payments, income taxes and business slowing down was the perfect combination for disaster. Then add salt to my wound and we take our tax money to bail out the banks for their irresponsible business practices. Let me just file bankruptcy but my ex-wife had led me to BK before and I knew it wouldn't solve my love/hate affair with money.
I came across Dave Ramsey's show on Fox Biz. Not sure what kept my eyes glued to his show but it was probably a combination of his common sense talk and his accent. I would watch him on a regular basis and then found him on the radio. His show is now on 980am KFWB from 9am-12pm Monday through Friday. I eventually took the plunge and bought his book,
This book has really opened my eyes and put me on a basic plan of getting my life back. It's also teaching me values that I can now teach my kids. For those of you who are having any kind of financial difficulties or would like some material that you can use to teach your children then tune in to Dave Ramsey. He's helped thousands of people get out of debt and move on to financial prosperity. I'll let you in on what most people say is the secret. Create a budget and stick to it. He doesn't sell a get rich quick scheme cause the only ones that seem to get rich off of those are the ones who sell it. Christian values and biblical teachings about how to handle money is what you'll get from Dave Ramsey.