I've spoken before about how we follow the Dave Ramsey plan for finances. We do with one exception. He is totally opposed to the use of credit cards - he doesn't want you to have one at all. Instead he wants you to have a $1000 emergency fund (which we have) and use that instead of a credit card if something crops up. Well, I don't know how he travels without a credit card! We would need waaaay ... Read More about Are Credit Cards Evil?
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How We Plan To Live On Less Money So as I mentioned before, when my husband was shifted into another position in his company we lost quite a bit of income - over $600 each check (that's $1200 a month!!!). Not only that, but, we didn't find out this was going to happen until 3 days before payday! Oh yes, somehow they didn't think it important enough to let him know. I found out because I always ... Read More about How We Will Manage On Less Money