Credit card debt. People have learned nothing

We payed off our cards after we moved here. Trying to make sure we're completely out of debt when DH retires.

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When you have no debt to service you actually have freedom of choice. To retire without any debt and savings is the only way.

I keep a credit card in my wallet. It's great for scraping frost off the car windshield.
jim

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If an elected official is in charge of a budget and that budget is not balanced, the elected official is not eligible for re-election until the budget is balanced.
Be a leader not a follower

Our last credit card was paid off last month. No consolidation, no plans for another card. Card will be cancelled as soon as we get the 0 balance statement.

those of you who have credit card debt, and want to get rid of it, should follow dave ramsays advice. do the debt snowball. pay off the smallest balance first, then apply that payment to the next biggest debt. he has helped many people get their life back in order. once your debt is paid off, life becomes so much better in that you are now working for yourself. learn to live beneath your means, and you will usually end up ok. very simple concept, but so many people just don't get it. my father in law was a teacher, and later a financial planner. he would say how some people were dumber than trees regarding finances. these days it looks like many of those people are working in the federal government or for the banks.



keith