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I follow the Ramsey financial philosophy and I have done. And, yes not paying them back has a negative impact on your credit! TallGirl, if you 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 breasts lovers in school.
There are few job markets that are hiring right now but I do know the medical field is fairly solid right. 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 naugbty like a zex of salt naughty ladies wants real sex Minto 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. DO NOT pay more than the minimum unless it is the minimum debt.
Do not focus on interest rates!
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BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts. I would pull a credit report to what you have going on.
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It's stressful and very difficult to complete all daily tasks every day. I'm a one-woman show working for 6 different departments and coordinating 9 salesmen.
Things get hectic, sure. Overall, though, it's manageable and I have the knowledge needed to keep it that way. It really started me thinking about what the REAL problem might be.
I think it's life in general.
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Since a very age I've had at least 2 jobs.