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" If you're able to pay your bills, you pay your bills. It's as simple as that. "
Dave Ramsey
Simple
Able
Pay
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" 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. "
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" Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life. "
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" I really am not a gold fan. "
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" What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that. "
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" While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. "
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" To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats. "
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" Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money. "
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" When people get scared, they quit giving. "
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" 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. "
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" There's always something that needs attention when you own a property. "
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" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
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" As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. "
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" You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school. "
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" 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. "
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" This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone. "
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" When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles. "
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Family
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" My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid. "
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Age
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" Pay your utilities, gas and other basic needs before paying on your debts. "
Dave Ramsey
Pay
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Before
" People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan. "
Dave Ramsey
Business
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" I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful. "
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Lie
Yourself
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" Credit is an 'I love debt' score. "
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Score
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Debt
" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "
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Seen
More
Access
" Life will not make allowance for you, but it will pay you what you earn. "
Dave Ramsey
Life
Earn
Pay
" Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt. "
Dave Ramsey
Teach
You
Policy
" In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead. "
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Man
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" 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. "
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Face
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Work
" The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge. "
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Knowledge
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" I think that anyone who wants to start their own business can, but not any type of business. "
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Business
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" 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. "
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" We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products. "
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Good
Business
Children