4 Ways Dave Ramsey’s Baby Steps Miss the Mark

Since you’re reading a blog about personal finance, there’s a good chance you have heard of Dave Ramsey and maybe even follow some of his financial advice. Much of it is very helpful, simple advice that working adults managing their own finances should know.

If you are not familiar with Dave Ramsey, he hosts a syndicated radio show on personal finance and is the author of several books, including The Total Money Makeover.  The show instills his Christian beliefs and a very very anti-debt message.  In fact, he is so anti-debt that some of his advice misses several basic financial perks that leave individuals better […]

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Why Building Good Credit Is So Important

My parents provided a great life for me and my siblings, but they rarely discussed good financial practices with us (something I want to do often with my kids). However, they did preach one very important thing the moment I turned 18. Building good credit is essential. And they were right.

Good credit lets lenders know that you are reliable and able to pay off your debts. But good credit is worth much more to you than a lower interest rate on a loan. Consider this partial list of times when our credit score has mattered:

  • Renting an apartment – our application […]
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2017-04-21T16:56:48+00:00 March 7, 2017 8:00 am|Categories: Building Credit, Travel|Tags: , , , |0 Comments