Dave Ramsey says: Be passionate about getting out of debt

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  • Erika Salem, Utah
    March 25, 2014 2:41 p.m.

    I was so excited when I paid my last credit card payment. Right now it's just the mortgage. But with 4 kids, one starting college, keeping afloat takes everything we have. It's hard to stay motivated -- especially in anticipation of medical expenses.

  • ipr Spanish Fork, UT
    March 25, 2014 1:33 p.m.

    The most exciting time was when we worked hard at paying off our house. Every month we'd pay off an extra $1000. Making the last payment was so exciting. Next came the car payments. Since we no longer had a house payment, we paid $2500 a month. A couple of months later we were completely out of debt. What a wonderful feeling. A couple of years later I had to be treated for cancer - bills for thousands of dollars were no problem, because we were out of debt. I love it!

  • sally Kearns, UT
    March 25, 2014 12:25 p.m.

    I know Dave says pay off you debts rather than bankruptcy. From my experience it is best to visit with an attorney before trying to pay off debts. Many of the creditors are not friendly regarding arrangements for payoff. Every situation is different.

  • george of the jungle goshen, UT
    March 25, 2014 10:27 a.m.

    It's in your heart not your head The money has to come from some where. the only place I've come up with is groceries. Get good tires on your car and get some extra's away so you don't go to the store. If you don't see it you don't need it. use cash, to keep in line with what you got. Don't charge .