Zitat des Tages von Dave Ramsey:
Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.
Pay your utilities, gas and other basic needs before paying on your debts.
If you're able to pay your bills, you pay your bills. It's as simple as that.
When people get scared, they quit giving.
You have to teach children about money intentionally - create teachable moments.
We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president.
Credit is an 'I love debt' score.
It takes some discipline and hard work, but relying on credit when things go wrong is a trap.
You don't need credit.
I really am not a gold fan.
I have to live my books before I write them.
Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.
If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.
You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.
Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.
You've got to tell your money what to do or it will leave.
Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.
There are no shortcuts when it comes to getting out of debt.
As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.
My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
I have done stupid with a lot of zeros on the end of it. I know what it looks like.
A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.