I've heard of some families overcoming step two of Dave's debt program in just one year, while other have taken seven years. But it's the small victories you accomplish with smaller debts that can keep you steady on your goal.
Men are often viewed as the breadwinners and household money managers, but not many people can say their dad is a bona fide personal finance expert. Rachel Cruze, however, is one of the few people who can.
Though some may find it trite when their Facebook feeds fill up with posts about gratefulness, I enjoy the gentle reprieve. To hear people intentionally looking for the good when so many days it is the bad that is easier to find.
Have you faced at some point in the course of your life, a V8 moment, where you suddenly find yourself in the throes of a monumental setback, aka, gut wrenching, cookie tossing, catastrophic failure and wondered what the heck happened?
It's time we applied such common sense to healthcare spending, and a much-discussed new book does just that: Cracking Health Costs: How to Cut Your Company's Costs and Provide Employees Better Care, by Tom Emerick and Al Lewis.
Money was always mysterious to me. As a child, the subject of money was only reserved for 'grown folks.' I knew that my father, a career officer in the United States Army, left home every day for some place called work. Still, I never knew how money was earned or how it affected my life.
Your gut knows how to make good decisions. Yet we often feel safer relying on logic or the opinions of other people, rather than letting our intestines make the call. So how do you learn to trust your instincts?
Though Christian financial "guru" Dave Ramsey claims not to understand Occupy Wall Street, he does know why protesters want to raise taxes on the wealthy: We are sinners. "At the core of this demand," he says, "is envy."
I've watched many people get in trouble with upside down car loans, second mortgages or high interest rate financing. Credit keeps many people from living within their means. Then a friend told me he was buying a large house.