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I follow the Ramsey financial philosophy and I have done well. And, yes not paying them back has a negative impact on your credit! TallGirl, if Adult nursing Olinda have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.
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A transmission could go out, an out of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick. I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
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