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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 you have a great career and a great job etc… then it sounds like you guys need to lower eseking living standards to persevere while hubby is in school.
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I was able to climb out of a massive debt when I was advised to seeknig bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it seekinv 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. DO NOT pay Centerprt than the minimum unless it is the minimum debt.
Do Centeprort focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
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Why do you think the law is written the way it is?
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