Dave Ramsey says: How to slow down the credit card offers

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  • Erika Salem, Utah
    Feb. 19, 2014 10:05 a.m.

    Always, it seems, just when I feel like I'm getting ahead, something comes to drain my savings or put us back in debt. Once again, I'm getting on top of things, but I know one of the kids has some major surgery coming in the next three years. I'm out of debt (except the mortgage), I'm saving as much as our family can agree on, but if our only car breaks down between now and 3 years from now (knock on wood), we'll end up on the wrong side of the balance again.

    On the bright side, we may not have to borrow; we'll just continue to move forward with nothing when our transportation and/or medical expenses clean out the savings again.