Dave Ramsey - What do you think?
05-26-2020, 08:15 AM
I think Dave Ramsey makes a lot of valid points about maintaining monthly finances. I am just not sure I can get on board with placing monthly budget funds into envelops to spend on certain expenses.
Having a credit card is a need these days with many retailers no longer accepting cash. As long as people use their credit card like it is cash and not spend more than that can afford to buy each month having a credit card should not be an issue.
In general I am not a fan of debt cards because there is no built in separation from a bank account, so it can take quite a long time to get your money back if their is an issue or an item is returned.
Having a credit card is a need these days with many retailers no longer accepting cash. As long as people use their credit card like it is cash and not spend more than that can afford to buy each month having a credit card should not be an issue.
In general I am not a fan of debt cards because there is no built in separation from a bank account, so it can take quite a long time to get your money back if their is an issue or an item is returned.