Dave Ramsey Plan

[CountValentine]

Put in the same effort to raise your income and make some real money.

Ouch!
Let me let you in on a little secret. Since I was in my teens I always had side hustles. Not once did I ever use those profits for everyday bills. I did the same with overtime income. So I made real money.

[CountValentine]

Another way DR is like AA: if you're in, you think everyone needs to be in.

The worse part about programs is they believe no one can be cured.

[ExGingi]

Put in the same effort to raise your income and make some real money.

If you think $25,000/yr isn't real money, then "Huston, we've got a problem". Just because it was produced with mental energy and smarts, doesn't make it not real. I don't believe @CountValentine is talking about any situation where there was a risk of losing money.

[YoelFried]

People these days finance couches and expensive winter coats, this is what it means

[YoelFried]

People these days finance couches and expensive winter coats, this is what it means

Iphone purchase you can't pay upfront
Car payment

[YoelFried]

If you think $25,000/yr isn't real money, then "Huston, we've got a problem". Just because it was produced with mental energy and smarts, doesn't make it not real. I don't believe @CountValentine is talking about any situation where there was a risk of losing money.

In my experience spending on credit doesn't have the same emotional feeling as paying with cash

[Lurker]

People these days finance couches and expensive winter coats, this is what it means

Iphone purchase you can't pay upfront
Car payment

Like all things in life, there is a lot of middle ground. Life isn't black or white.

[YoelFried]

Like all things in life, there is a lot of middle ground. Life isn't black or white.

Everyones middle ground is somewhere else and everyone thinks they have it right.

From my side everyone could do whatever they feel like, people just asked why someone should follow the DR plan, on that was.y original post.

[CountValentine]

In my experience spending on credit doesn't have the same emotional feeling as paying with cash

How about a 25 year old getting married and moving into their own house? That is one hell of a feeling.

[YoelFried]

How about a 25 year old getting married and moving into their own house? That is one hell of a feeling.

[mention]Lurker [/mention] This what I mean when people just don't have any reason on what they saying. They just want to push a agenda

[YoelFried]

How about a 25 year old getting married and moving into their own house? That is one hell of a feeling.

מה ענין שמיטה אצל הר סיני?

[yungermanchik]

מה ענין שמיטה אצל הר סיני?

It's an expression that means, what does that have to do with this? (lit. what is the sabbatical year doing by Mt. Sinai)

(Not commenting on the content just giving a definition) 

[CountValentine]

מה ענין שמיטה אצל הר סיני?

As much as this:

In my experience spending on credit doesn't have the same emotional feeling as paying with cash

Knowing you can afford something is a great feeling. Doesn't matter if you pay with credit or cash.

[YoelFried]

Did you try it out? I did

[CountValentine]

You got the wrong guy. Just had heating and air replaced and paid cash because of the discount. If there was no discount why wouldn't I put it on a CC so I can get the rewards.

[YoelFried]

You got the wrong guy. Just had heating and air replaced and paid cash because of the discount. If there was no discount why wouldn't I put it on a CC so I can get the rewards.

Yes or no, I was the same like you. Until I decided to try it out and my spending was down minimum with 10%. I get a more rewards in my cash cc.

[CountValentine]

Yes or no, I was the same like you. Until I decided to try it out and my spending was down minimum with 10%. I get a more rewards in my cash cc.

Sorry I am not understanding.

[ExGingi]

Sorry I am not understanding.

Let me attempt (I am not sure I got it right) to decipher this in English:

"Regardless, I used to do things just like you describe. Until I decided to pay cash for everything, and my overall spending was down by at least 10%."

I couldn't decipher the last sentence.

[Lurker]

Let me attempt (I am not sure I got it right) to decipher this in English:

"Regardless, I used to do things just like you describe. Until I decided to pay cash for everything, and my overall spending was down by at least 10%."

I couldn't decipher the last sentence.

The 10% "rewards" for paying cash was more than any CC rewards.

[good sam]

Lately I have been having guilt about using credit cards, especially Amex, at local stores. Like why should they pay for my couple of rewards points? Is there any known cure for this condition?