Experiences with reducing/escaping credit card debt?

[Gina]

speaking of money.......I just went to lunch......meant to spend under $20 for me and hubby at Popeyes chicken and had to go to Ruby Tuesday and blew $40 because of a damn power failure 

[Zeus]

^This...and,
If your outgo exceeds your income, then your upkeep will be your downfall.

For many years folks chided me about being a tightwad, Miser because I lived well within/below my means. Now I work because I want to not out of necessity . Like Trump said in his first book,to paraphrase "Making a fortune is relatively easy preserving one is work".

[BEG]

speaking of money.......I just went to lunch......meant to spend under $20 for me and hubby at Popeyes chicken and had to go to Ruby Tuesday and blew $40 because of a damn power failure 

You could have gone to chick-fil-a. 

[obumazombie]

For many years folks chided me about being a tightwad, Miser because I lived well within/below my means. Now I work because I want to not out of necessity . Like Trump said in his first book,to paraphrase "Making a fortune is relatively easy preserving one is work".

If you will do now, what people won't do, then later you'll be able to do what they can't afford.

[Kyle Ricky]

That's not my impression from his show.

I haven't listened to him in a couple of weeks, but the last time I did I listened for about an hour before shutting it off; and every caller said that they made $100k+ a year. One of them said that her and her husband make combined $350,000.00 a year. I want to hear from people make less than $100K a year. Mainly for the fact if you are making $350,000.00 a year, you can afford to pay for things with cash, and shouldn't be in debt to begin with. If you are, then you are seriously money management stupid.

[BEG]

I haven't listened to him in a couple of weeks, but the last time I did I listened for about an hour before shutting it off; and every caller said that they made $100k+ a year. One of them said that her and her husband make combined $350,000.00 a year. I want to hear from people make less than $100K a year. Mainly for the fact if you are making $350,000.00 a year, you can afford to pay for things with cash, and shouldn't be in debt to begin with. If you are, then you are seriously money management stupid.

Like I said above, that is not my experience at all. I listen to him frequently, I have never heard someone call to say they made $350k a year. Most of the people I hear call make a modest income and really sacrifice to pay off their debt.

[BEG]

I am doing Dave Ramsey now.  I love it.

 

 

[GOBUCKS]

I am doing Dave Ramsey now.  I love it. It feels so good

I'm gonna wait to hear from Dave.

[BEG]

I'm gonna wait to hear from Dave.

I missed the "it feels so good" part. 

[IassaFTots]

Like I said above, that is not my experience at all. I listen to him frequently, I have never heard someone call to say they made $350k a year. Most of the people I hear call make a modest income and really sacrifice to pay off their debt.

Me neither. 

[obumazombie]

I haven't listened to him in a couple of weeks, but the last time I did I listened for about an hour before shutting it off; and every caller said that they made $100k+ a year. One of them said that her and her husband make combined $350,000.00 a year. I want to hear from people make less than $100K a year. Mainly for the fact if you are making $350,000.00 a year, you can afford to pay for things with cash, and shouldn't be in debt to begin with. If you are, then you are seriously money management stupid.

Regardless of your income, anyone can be broke. By that I mean zero or negative net worth. People with higher incomes can be broke just as easily as those at lower income levels. The higher income broke people are just broke at a higher level.

[Kyle Ricky]

Regardless of your income, anyone can be broke. By that I mean zero or negative net worth. People with higher incomes can be broke just as easily as those at lower income levels. The higher income broke people are just broke at a higher level.

Yeah, I can see that. But you would think that making that much money, they wouldn't be. Unless they go on a big time spending spree all the time. I guess the adage of 'the more you make, the more spend' could be true.

[BEG]

Yeah, I can see that. But you would think that making that much money, they wouldn't be. Unless they go on a big time spending spree all the time. I guess the adage of 'the more you make, the more spend' could be true.

You can have big time student loans, like a doctor, have business debt, etc.

[IassaFTots]

You can have big time student loans, like a doctor, have business debt, etc.

Or, you could have been a business owner that fell victim to our crappy f'n economy. 

[BEG]

Or, you could have been a business owner that fell victim to our crappy f'n economy. 

H5

[Freeper]

Or, you could have been a business owner that fell victim to our crappy f'n economy. 

What crappy economy? 0bama's policies worked.

[IassaFTots]

What crappy economy? 0bama's policies worked.

OY!   

[Evil_Conservative]

What crappy economy? 0bama's policies worked.

He tried our plan and it didn't work.  He tried his plan and it worked.  We are saved!

[Freeper]

OY!   

And according to the latest ad running on the Tee Vee Romney is the problem not the solution.

I swear if we had a real media 0bama wouldn't be able to get away with this crap.

He tried our plan and it didn't work.  He tried his plan and it worked.  We are saved!

Damn straight, it worked just as well as, the system did in stopping the underwear bomber.

[BEG]

He tried our plan and it didn't work.  He tried his plan and it worked.  We are saved!

H5

[Kyle Ricky]

I swear if we had a real media 0bama wouldn't be able to get away with this crap.

We will have a real media when Romney takes office in January. Well maybe not a real media, but they won't be letting Romney get away with anything. They will be broadcasting the number of sneezes he does a day, and the size of the dump he takes.. Heck, they might even examine his shit and report what was in it.

[Freeper]

We will have a real media when Romney takes office in January. Well maybe not a real media, but they won't be letting Romney get away with anything. They will be broadcasting the number of sneezes he does a day, and the size of the dump he takes.. Heck, they might even examine his shit and report what was in it.

If Romney wins here is what will happen,
1 Homelessness will be reported as being at record highs.
2 There will be nightly "body counts" for the war in Afghanistan.
3 Every mistake he makes while speaking will be the headlines of the day.
4 Every time Anne wears anything other than clothes you can buy at Wal Mart they will say how out of touch she is.
5 Every vacation, golf game, or trip to the bathroom will be complained about.
6 8% unemployment will no longer be wonderful, but super depression levels.

[Kyle Ricky]

If Romney wins here is what will happen,
1 Homelessness will be reported as being at record highs.
2 There will be nightly "body counts" for the war in Afghanistan.
3 Every mistake he makes while speaking will be the headlines of the day.
4 Every time Anne wears anything other than clothes you can buy at Wal Mart they will say how out of touch she is.
5 Every vacation, golf game, or trip to the bathroom will be complained about.
6 8% unemployment will no longer be wonderful, but super depression levels.

They will also:
1 be having a nightly tally of the national gas prices.
2 Claiming that we are in another depression
3 Complaining about how bad the economy is

[Freeper]

They will also:
1 be having a nightly tally of the national gas prices.
2 Claiming that we are in another depression
3 Complaining about how bad the economy is

Can't believe I forgot gas prices.

H-5 for making me look bad. 

[Kyle Ricky]

Can't believe I forgot gas prices.

H-5 for making me look bad. 

  I had to do a double take to make sure you didn't have it.