Tag : credit cards

Why I Love Dave Ramsey, But I Still Love Credit Cards Modest Money22 Comments


There ​I was. 18 years old. ​And I didn’t have a clue ​. ​

I didn’t realize that some people were actually debt-free.

I thought a car payment was just another bill. I mean, everyone has a car payment, right?

I thought credit cards were a way of life. I never noticed adults using cash. Only cards.

Enter: Dave Ramsey and The Total Money Makeover.

That book changed my life. More specifically, my finances.

All these years later, I still love Dave Ramsey, but now I love credit cards…again, but for a different reason…

Dave Ramsey on Credit Cards

“We want it all, and we can borrow to get it all, before we can afford it all.” -Dave Ramsey

Dave was a millionaire before he went bankrupt in the early 90s. He had a very unhealthy use of credit cards, like most people.

​It’s no surprise that he now says: when you’re trying to get out of debt, you should cut up your credit cards and stop using them. I agree that you stop using them, but I don’t think you should cut them up.​ And let’s be honest here…for most Americans, statistically, they shouldn’t use credit cards.

But for the responsible people out there (like the people…

This entry was posted in Credit, and tagged , Modest Money22 Comments
By : Adam | 12 Mar 2015
Tweet this article :
Modest Money

USAA Secured Platinum Credit Cards Review

By : Adam | 12 Dec 2014

The USAA is one of the largest financial service providers around. They’ve been in business since the early 1920’s and have a reputation for excellent, ethical customer service. You may be interested in these cards (both the MasterCard and American Express versions) because you are …

Tweet this article :
Modest Money
creditone bank

Credit One Bank® Platinum Visa Card Review

By : Adam | 24 Oct 2014

This Credit One Bank® Platinum Card is a card that can be useful, but should be handled with extreme caution. Do I have your attention? Let’s proceed. First of all, this is a card focused on folks with miserable credit. The card is marketed as …

Tweet this article :
Modest Money

OpenSky® Secured Visa® Credit Card Review

By : Adam | 26 Sep 2014

A secured credit card is an excellent way for anyone to build credit and improve their credit scores. It’s a responsible step that pays off fairly quickly. The OpenSky® Secured Visa® Credit Card will be backed by funds that you deposit as security for the …

Tweet this article :
Modest Money

Barnes and Noble MasterCard® Review

By : Adam | 12 Sep 2014

As one of the world’s biggest book retailers, Barnes and Noble stand to offer a lot to their millions of customers with a Barnes and Noble credit card. Barnes and Noble clearly understands their customers. This Barnes and Noble Mastercard proves itself to be one …

Tweet this article :
Modest Money

Travelocity Rewards American Express Card Review

By : Adam | 5 Sep 2014

Learning how to leverage travel rewards credit cards to your benefit takes some research and experience. We’re here to help with our review of The Travelocity Rewards American Express Card. This card is easy to apply for, use, and understand. We’ll give you all the …

Tweet this article :
Modest Money

Carnival World MasterCard Review

By : Adam | 22 Aug 2014

This Carnival credit card is an excellent choice for those planning to cruise with Carnival, Holland America, or Princess Cruiselines. Carnival is the largest cruise line in the world, offering service to many of the globe’s most exciting and exotic locales. For cruise lovers, this …

Tweet this article :
Modest Money
Page 1 of 512345