![]() ![]() Basically, live simply (which sometimes feels like living in boredom). This means no dining out, not going to the movies, no extravagant gifts, etc. Another aspect Ramsey emphasizes is the reduction or limitation of “frivolous” spending. I mean, maybe when we are rich and it doesn’t matter, right? One can dream… But really, we take care of our cars, get them serviced regularly and budget each month for routine maintenance and repairs. Good thing my husband and I both had used cars coming into our marriage, and we really don’t plan to buy a brand-new car anytime soon. The drop in value as soon as you drive a new car off the lot is ridiculous. If you read Dave Ramsey’s book, one of his top recommendations - or “rules,” if you will - is to buy used cars. I don’t have time for that (and honestly, carrying around a bunch of cash gives me mugging vibes!) For my husband and me, the benefits just didn’t outweigh the hassle. Not to mention I haven’t stepped foot in a bank or drove to an ATM in literally years! Seriously, I know someone who currently follows the Dave Ramsey method and plans two weekly trips to the bank. However, if you are paying your balance off each month, and using your card(s) wisely, it can be a very useful financial tool. Essentially, you are flying for free! Of course, you have to be purposeful and pay off your balance each month and to avoid high-interest rates and going into debt. I know some people who use their cards to rack up airline miles and plan their entire family vacation each year based on these miles. If we used a cash-only system, as advised by Ramsey, we would not have access to those extra bonuses. #Dave ramsey success story freeI have both a Chase and Discover card because of the rewards offered by using them the cashback program is literally free money for what we are spending anyway. Instead, I can research and compare options online and skip the stores. Aside from the grocery store or Wal-Mart, these days, I rarely go shopping. You can even use platforms like Amazon that save your information and a purchase can be made in one-click – talk about a time saver! Plus, I have found myself purchasing online more this year because of COVID. Plus, online purchases are quick and easy as well (although Ramsey does suggest using a debit card for the “limited” purchases you make online.) Credit cards are super simple to use – you don’t have to wait around at the register while you count out your nickels and dimes, and wait for the cashier to count out their nickels and dimes. ![]() The ease of payment distances you from the actual money outflow so you don’t feel the “sting” of the purchase. Ok, this is a no-brainer and honestly, this is part of the reason why a cash-based program like Dave Ramsey’s works for so many people. Credit Cards Are More Convenient Than Cash So I tried it - I really did - but it just didn’t work for me. It’s a great plan I know multiple people who have had success with it and continue to use it long after their debt has been reduced to just an ongoing mortgage payment. Basically, you switch to an all-cash payment system, budget your expenses to the T, and focus on “snow-balling” your debt payments. Most likely, you’ve heard about his show, read his books or even done the Dave Ramsey program. All you’re doing is letting people know what’s working and that you’re thankful for it - and them.Dave Ramsey is touted as the “get out of debt fast” guru. You’re not talking about jumping around and yelling about how great you are while saying everyone else is a doofus. You’re not firing shots at other people when you do something like this with the right heart and an attitude of gratitude and humility. #Dave ramsey success story how toYou didn’t ask how to brag, you asked how you can still celebrate what’s going on in your business with your customers. You know, in most cases people who ask this kind of question are already self-aware enough to celebrate their business success with grace and social awareness. How can I navigate this time without making others feel bad? In the past, I’ve always shared highlights with our customers to show them how amazing they are and how much their support means. With everything that’s going on in the world, I find myself ashamed to celebrate business successes. So many companies and entrepreneurs are hurting right now. ![]()
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