http://www.daveramsey.com/ Real Life Money Stories en-us Thu, 09 Feb 2012 07:02:01 CST 180 Saturday Sunday http://www.daveramsey.com/article/dont-try-to-beat-the-system-dr/lifeandmoney_creditcards http://www.daveramsey.com/article/dont-try-to-beat-the-system-dr/lifeandmoney_creditcards Thu, 29 Sep 2011 00:09:00 CST When you try to beat the system, you assume much more in risk than you get in reward. And if the danger of risk hits you, it will wipe out any progress you made — and then some. http://www.daveramsey.com/article/are-credit-cards-a-way-of-life/lifeandmoney_creditcards http://www.daveramsey.com/article/are-credit-cards-a-way-of-life/lifeandmoney_creditcards Mon, 12 Sep 2011 00:09:00 CST When the first credit card was used in the 1950s, no one could have imagined how the landscape of personal finance in America would change over the next 60 years. Dave Ramsey discusses the progression of debt in American culture. http://www.daveramsey.com/article/stop-receiving-unwanted-junk-mail/lifeandmoney_creditcards http://www.daveramsey.com/article/stop-receiving-unwanted-junk-mail/lifeandmoney_creditcards Wed, 31 Aug 2011 00:08:00 CST Tired of getting unsolicited junk mail credit card offers in the mail? Find out how to opt out of these offers for up to 10 years. http://www.daveramsey.com/article/sneaky-ways-credit-marketers-are-baiting-college-students/lifeandmoney_creditcards http://www.daveramsey.com/article/sneaky-ways-credit-marketers-are-baiting-college-students/lifeandmoney_creditcards Thu, 04 Aug 2011 00:08:00 CST The CARD Act in 2009 was supposed to stop credit card companies from stalking college students. Find out some of the changes they have made and the new tactics they have been using to still get to the students. http://www.daveramsey.com/article/5-reasons-why-debit-is-better-than-credit/lifeandmoney_creditcards http://www.daveramsey.com/article/5-reasons-why-debit-is-better-than-credit/lifeandmoney_creditcards Mon, 27 Jun 2011 00:06:00 CST Here are five reasons for you to cut up the credit cards and switch to exclusively using debit cards. http://www.daveramsey.com/article/its-true-you-can-travel-without-a-credit-card/lifeandmoney_creditcards http://www.daveramsey.com/article/its-true-you-can-travel-without-a-credit-card/lifeandmoney_creditcards Mon, 27 Jun 2011 00:06:00 CST Here on Earth, unless you've time-traveled back to the 1990s, debit cards work just as easily as credit cards. Seriously. We're not joking. http://www.daveramsey.com/article/bill-collectors-are-not-superheroes/lifeandmoney_creditcards http://www.daveramsey.com/article/bill-collectors-are-not-superheroes/lifeandmoney_creditcards Fri, 24 Jun 2011 00:06:00 CST Think mean bill collectors have superpowers to bend federal law. Think again. It's more like a Wizard of Oz, as Jon Acuff explains. http://www.daveramsey.com/article/if-atms-acted-like-credit-cards-you-would-hate-atms/lifeandmoney_creditcards http://www.daveramsey.com/article/if-atms-acted-like-credit-cards-you-would-hate-atms/lifeandmoney_creditcards Thu, 23 Jun 2011 00:06:00 CST If an ATM acted like a credit card, you'd pay $27 every time you took out $200. You'd write politicians and protest with signs that said, "A.T.M.? More like R.O.B." http://www.daveramsey.com/article/write-a-break-up-letter-to-your-credit-cards/lifeandmoney_creditcards http://www.daveramsey.com/article/write-a-break-up-letter-to-your-credit-cards/lifeandmoney_creditcards Fri, 22 Apr 2011 00:04:00 CST If you've still got some credit cards lying around "just for emergencies," it's time to break up with them. Today. http://www.daveramsey.com/article/credit-cards-make-you-fat/lifeandmoney_creditcards http://www.daveramsey.com/article/credit-cards-make-you-fat/lifeandmoney_creditcards Thu, 03 Mar 2011 00:03:00 CST If you need another reason why it's a bad idea to use credit cards, here you go: Credit cards can make you fat. Say what? http://www.daveramsey.com/article/cards-on-campus/lifeandmoney_creditcards http://www.daveramsey.com/article/cards-on-campus/lifeandmoney_creditcards Tue, 16 Nov 2010 00:11:00 CST Ever wondered how much a credit card company will fork over for the chance to market to your son or daughter at college? http://www.daveramsey.com/article/the-secret-alliance-colleges-and-credit-cards/lifeandmoney_creditcards http://www.daveramsey.com/article/the-secret-alliance-colleges-and-credit-cards/lifeandmoney_creditcards Wed, 20 Oct 2010 00:10:00 CST Despite recent federal legislation, many schools are still aligned with credit card companies, and these companies can still pay colleges to receive access to students. http://www.daveramsey.com/article/skirting-the-credit-card-law-dr/lifeandmoney_creditcards http://www.daveramsey.com/article/skirting-the-credit-card-law-dr/lifeandmoney_creditcards Thu, 02 Sep 2010 00:09:00 CST If you think the Credit CARD Act of 2009 helped fixed your problems with plastic, here's a reality check! http://www.daveramsey.com/article/reading-your-credit-card-statement/lifeandmoney_creditcards http://www.daveramsey.com/article/reading-your-credit-card-statement/lifeandmoney_creditcards Thu, 22 Jul 2010 00:07:00 CST If you're still paying off your credit card, you may have noticed that your monthly statement got a makeover this year. Let's take a closer look at how this updated design will help you plan for the future. http://www.daveramsey.com/article/skydiving-plascetomy/lifeandmoney_creditcards http://www.daveramsey.com/article/skydiving-plascetomy/lifeandmoney_creditcards Fri, 18 Jun 2010 00:06:00 CST Some people burn their credit cards. Some let a blender tear them to shreds. Other cut up their cards and make an art piece out of the pieces. Mark in Dallas does something completely different. Watch his short plascetomy video! http://www.daveramsey.com/article/the-truth-about-your-credit-score/lifeandmoney_creditcards http://www.daveramsey.com/article/the-truth-about-your-credit-score/lifeandmoney_creditcards Fri, 11 Jun 2010 00:06:00 CST Like it or not, your credit score is not an indicator of winning financially. All it tells you is whether you are good at borrowing money and paying it back. That’s it. Read more! http://www.daveramsey.com/article/the-basics-of-your-debit-card/lifeandmoney_creditcards http://www.daveramsey.com/article/the-basics-of-your-debit-card/lifeandmoney_creditcards Fri, 04 Jun 2010 00:06:00 CST Think a credit card is safer to use than a debit card? Most people do. They convince themselves that credit cards carry a better track record, and you're less likely to have your money stolen from you when you use a credit card. Sadly, those people are wrong. http://www.daveramsey.com/article/celebrate-the-cut-up-credit-cards/lifeandmoney_creditcards http://www.daveramsey.com/article/celebrate-the-cut-up-credit-cards/lifeandmoney_creditcards Tue, 18 May 2010 00:05:00 CST How do you celebrate with your Financial Peace University class when people cut up their cards? Challenge everyone to create something with the pieces that symbolizes FREEDOM! http://www.daveramsey.com/article/what-you-need-to-know-about-the-credit-card-act/lifeandmoney_creditcards http://www.daveramsey.com/article/what-you-need-to-know-about-the-credit-card-act/lifeandmoney_creditcards Fri, 26 Feb 2010 00:02:00 CST Changes from the new Credit CARD Act are now in effect. How will they affect you, and how can you make it so they don’t? http://www.daveramsey.com/article/how-to-read-your-credit-report/lifeandmoney_creditcards http://www.daveramsey.com/article/how-to-read-your-credit-report/lifeandmoney_creditcards Thu, 25 Feb 2010 00:02:00 CST Confused about your credit report? Read this to bring clarity about what you need to know regarding your free report. http://www.daveramsey.com/article/dave-credit-industry-horror-movie-titles/lifeandmoney_creditcards http://www.daveramsey.com/article/dave-credit-industry-horror-movie-titles/lifeandmoney_creditcards Thu, 22 Oct 2009 00:10:00 CST Since its Halloween time, we asked our followers on Twitter and our fans on Facebook: "If there was a horror movie based on Dave Ramsey and the credit industry, what would be a good title?" http://www.daveramsey.com/article/the-truth-about-credit-card-debt/lifeandmoney_creditcards http://www.daveramsey.com/article/the-truth-about-credit-card-debt/lifeandmoney_creditcards Tue, 04 Aug 2009 00:08:00 CST There is NO positive side to credit card use. You will spend more if you use credit cards. Even by paying the bills on time, you are not beating the system! http://www.daveramsey.com/article/the-truth-about-teens-and-credit-cards/lifeandmoney_creditcards http://www.daveramsey.com/article/the-truth-about-teens-and-credit-cards/lifeandmoney_creditcards Mon, 03 Aug 2009 00:08:00 CST Giving a teen or college student a credit card is a great way to teach them financial irresponsibility. Teens are now the number-one target of credit card companies. http://www.daveramsey.com/article/credit-card-qa-with-dave/lifeandmoney_creditcards http://www.daveramsey.com/article/credit-card-qa-with-dave/lifeandmoney_creditcards Mon, 20 Jul 2009 00:07:00 CST Is there ever a good time to have a credit card? NO. NEVER. When you play with snakes, you get bitten. http://www.daveramsey.com/article/qa-about-collectors/lifeandmoney_creditcards http://www.daveramsey.com/article/qa-about-collectors/lifeandmoney_creditcards Mon, 20 Jul 2009 00:07:00 CST Be calm don't let some kid in a cubical 500 miles away take control of your life. Here are some of the top questions I get about dealing with collectors: http://www.daveramsey.com/article/credit-card-collectors-are-scum/lifeandmoney_creditcards http://www.daveramsey.com/article/credit-card-collectors-are-scum/lifeandmoney_creditcards Sat, 18 Jul 2009 00:07:00 CST A collector's job is not to help your overall situation. They are out to get your money only whatever it takes. Credit card collectors are not your friends. Think I'm lying? http://www.daveramsey.com/article/credit-card-rewards-yeah-right/lifeandmoney_creditcards http://www.daveramsey.com/article/credit-card-rewards-yeah-right/lifeandmoney_creditcards Tue, 26 May 2009 00:05:00 CST Brownie points. Free hats. Airline miles. It seems like every time you turn around, the credit card companies are thinking of new ways to bait you into signing up for their cards. http://www.daveramsey.com/article/youre-at-their-mercy/lifeandmoney_creditcards http://www.daveramsey.com/article/youre-at-their-mercy/lifeandmoney_creditcards Fri, 02 May 2008 00:05:00 CST When you do business with credit card companies, you are at their mercy. There IS a way to buy things that doesn't involve high interest rates.