Dave Ramsey
The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.
If you're able to pay your bills, you pay your bills. It's as simple as that.
There's always something that needs attention when you own a property.
As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal.
As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.
When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.
Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.
I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.
Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!Collection: Choices
You will either learn to manage money, or the lack of it will manage you.Collection: Manage
If you will live like no one else, later you can live like no one else.Collection: Ifs
Earning a lot of money is not the key to prosperity. How you handle it is.Collection: Success
You must gain control over your money or the lack of it will forever control you.Collection: Money
Being willing to delay pleasure for a greater result is a sign of maturity.Collection: Maturity
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.Collection: Discipline
Pray like it all depends on God, but work like it all depends on you.Collection: Praying
Goals are visions and dreams with work clothes on.Collection: Dream
The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.Collection: Decision
Those who don't manage their money will always work for those who doCollection: Manage
Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.Collection: Behavior
Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.Collection: Car
Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.Collection: Focus
Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.Collection: Pain
Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.Collection: Dream
Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time.Collection: Running
When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.Collection: Teacher
Enabling is the enemy of motivation.Collection: Motivation
A budget is telling your money where to go instead of wondering where it went.Collection: Money
If people in America would get their finances together and start taking care of each other, we could put the government out of business.Collection: Government
It's never too late to turn things around. You are the only obstacle.Collection: Too Late
You can get anywhere if you simply go one step at a time.Collection: Steps
Making mistakes and learning from them is crucial to winning.Collection: Mistake
Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.Collection: Legacy
Servant Leadership is the only #leadership that ultimately works.Collection: Servant Leadership
Poor is a state of mind. Broke is, 'I'm just passing through.'Collection: Mind
Do not let your life, ministry or organization go faster than your resources.Collection: Organization
When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.Collection: Christian
One definition of maturity is learning to delay pleasure.Collection: Maturity
For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.Collection: Your Future
We learned early on that if we help enough people, the money will come.Collection: Money
There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.Collection: Party
Adults devise a plan and follow it, children do what feels good.Collection: Children
The average millionaire can't tell you who got thrown off the island last night.Collection: Success
Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.Collection: Money
Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.Collection: Thinking
A lower interest rate doesn't make a debt go away.Collection: Going Away
I would not pre-pay. I would invest instead and let the investments cover it.Collection: Investing
Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done itCollection: Helping Others
I'm not against people having new cars. I'm against them having you. We spend a tremendous amount impressing somebody at the stoplight who we'll never meet. It makes you broke and keeps you broke.Collection: People