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See, that's the whole problem with the Dave Ramsey zombies. They can't comprehend the responsible use of credit. They see "living within your means" and "having credit" as two mutually exclusive principles.
Well, they're not.
It's actually kind of sad that Ramsey prays on the financially downtrodden and instead of teaching them the correct way to operate in the financial markets, he effectively turns them into lemmings and starts them on a march to financial suicide.
Problem is it seems that a LOT of people DO have problems with the use of credit.
So it IS probably better that people do not have as much or any.
But you can choose to have it,that is your business.
Although you do seem to think anyone thinking differently than you is wrong...
They don't have a cell phone.
They don't eat out.
They don't have cable.
They buy used cars, used clothing, used furniture, used appliances, etc.
They use the interent at work or the library.
They shop at discount clubs and/or always buy generic.
They don't buy junk food, soda, or candy.
Etc, etc, etc...
Is this supposedly sarcasm?
The only difference between using cash and credit is you actually have to count your money when paying for an item,instead of simply swiping a card.
Why would a person need to forego ANY of that if they paid cash instead of using credit?
I do believe you can still pay with cash,perhaps some people simply do not HAVE any cash but instead exist off credit???
I think the point is that none of those things are necessities and could/should be cut from the budget rather than relying on credit month to month. Understanding the difference between wants and needs (and properly prioritizing) is key to being able to stay out of debt.
I thought the key was having less going out than is coming in...
Ah...we're both talking about the same thing. When so many people confuse wants with needs they may think it impossible to do....as previous poster stated.
Quote:
I know some people manage to stay out of debt but in this day and age I really don't know how.
It's not that hard...live on less than you earn and bank the rest for future needs. If you can afford some of the 'wants' as well then that's gravy.
We've managed to stay out of debt for a decade and will continue to do so. Well, except for the house which is a debt even Dave Ramsey's plan accommodates...but that debt will be gone in a year. *Happy Dance*
See, that's the whole problem with the Dave Ramsey zombies. They can't comprehend the responsible use of credit. They see "living within your means" and "having credit" as two mutually exclusive principles.
Well, they're not.
It's actually kind of sad that Ramsey prays on the financially downtrodden and instead of teaching them the correct way to operate in the financial markets, he effectively turns them into lemmings and starts them on a march to financial suicide.
Sorry but I dont know who Dave Ramsey is, I'm fully aware that the two are different but MAJORITY OF THE POPULATION DOES NOT. That's great you are in the small percentage that realizes the value of both but when people don't .. they get themselves in trouble. If everyone thought like you did.. we wouldnt be in this predicament.. but people were raised these days that if they had room on their credit card and could pay the minimum only, they could buy whatever they want. My parents had credit cards and used them, they just paid in full at the end of the month or paid cash. People don't get it.. unfortunately some need to hit rock bottom to learn... just be glad you are one of the smart ones,some only learn the hard way when it's too late.
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When so many people confuse wants with needs they may think it impossible to do....as previous poster stated. 
