Quote:
Originally Posted by R8ers
Thats cool, I am not lecturing it's common sense, don't spend more than you make. The reason I am telling this is to hopefully prevent someone from doing it, and yes I have been up to my ass in debt and I don't want to see anyone do that.
See this is the problem, America lives and worships the FICA score, it's a way for people who have no money to buy things that they can't afford and should not own.
If you make 30k a year, you should not have a 250k house or a 40k SUV, it's plain dumb but just because someone says hey, you got the credit and we can put you in it, they jump right in as if that creditor is doing THEM a favor..
Call it bragging if you want, but it's not, I made the decision and did it on my own and it don't take a dime out of your pocket either way, nor does it take a dime out of mine if someone is butt cheek deep in debt.
Most could care less about being debt free and will spend every dime they make and be broke on pay day, this man wants to be debt free, he said so in many posts in this thread and if I can point him in the direction to help him get there, it's a good thing.
When an alcoholic is trying to quit, do you give him only a little bit of beer and string him along or do you help him stop.
You don't lose everything you have because of debt with the mindset of doing the same exact thing and expecting a different result.
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A couple of questions....
When you were in debt up to your ass, did you want some arrogant asshole helping you, or someone who had been there and was helpful in guiding you? ( I am guessing if you are honest you would want the latter not the former)
Are you a disciple of Dave Ramsey?
mmaddog
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