tag:blogger.com,1999:blog-5193745359560427451.post7332940368105943934..comments2024-03-28T17:07:27.195-07:00Comments on The Refiner's Fire Blog: A word about financial debtCarmenhttp://www.blogger.com/profile/14998146626031186940noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-5193745359560427451.post-25793310897607230392017-08-20T22:49:58.378-07:002017-08-20T22:49:58.378-07:00This comment has been removed by a blog administrator.Anonymoushttps://www.blogger.com/profile/14649216766477260367noreply@blogger.comtag:blogger.com,1999:blog-5193745359560427451.post-74965856927957994202017-03-19T18:08:52.981-07:002017-03-19T18:08:52.981-07:00Thanks, Shana!Thanks, Shana!Carmenhttps://www.blogger.com/profile/14998146626031186940noreply@blogger.comtag:blogger.com,1999:blog-5193745359560427451.post-42097241320416134232017-03-19T17:56:58.526-07:002017-03-19T17:56:58.526-07:00Shali, that's great! Congratulations!!!Shali, that's great! Congratulations!!!Sgaineyhttps://www.blogger.com/profile/12255258614226564521noreply@blogger.comtag:blogger.com,1999:blog-5193745359560427451.post-87422668731297882482017-03-19T04:23:52.207-07:002017-03-19T04:23:52.207-07:00Shali, as I wrote to you last year, I have a credi...Shali, as I wrote to you last year, I have a credit card but use it as wisely as possible, (i.e, not going overboard with it). Mainly I use it for food, gas, and clothing or if I don't have enough cash on hand.Kevinhttps://www.blogger.com/profile/09165901818107578168noreply@blogger.comtag:blogger.com,1999:blog-5193745359560427451.post-40126239478484067542017-03-18T09:35:39.893-07:002017-03-18T09:35:39.893-07:00EXACTLY, Shana! We do the same thing. I'm pr...EXACTLY, Shana! We do the same thing. I'm pretty sure Dave Ramsey insists on NO credit cards because most people simply don't have the willpower to NOT use them! We're totally out of debt, including the mortgage. We recently bought a new house and used the money from the sale of our own house plus some savings to simply pay for the new one. It feels GREAT not to have any debt or to owe ANYONE!Carmenhttps://www.blogger.com/profile/14998146626031186940noreply@blogger.comtag:blogger.com,1999:blog-5193745359560427451.post-87795168245284349172017-03-17T22:02:51.441-07:002017-03-17T22:02:51.441-07:00Thanks for the article! My parents church used Dav...Thanks for the article! My parents church used Dave Ramsey's class to teach the members how to manage their finances. I completely agree with this teaching unless one is actually capable of paying the card in full every month. Years ago I got into credit card debt and then put myself on a strict budget to pay it off and determined never to use credit cards again. But then I had to start traveling for work so I needed a credit card to rent cars and I vowed to only use it for work travel and pay it in full each month. Once I got used to doing that and saw all the rewards points I could earn and use for free vacations I opened personal cards that I paid in full each month...I had to stick to a budget and not spend more than that, and I made sure to save up a 12 month emergency fund so I wouldn't need to rely on credit for emergencies. So, it's possible to use credit cards without going into debt but one must be very diligent about not overspending and paying the balance in full each month...otherwise I definitely don't recommend using credit!Sgaineyhttps://www.blogger.com/profile/12255258614226564521noreply@blogger.com