Taxpayers pay for all mistakes through bankruptcy, hardship, social programs, debt reduction, etc. That is just a fact of life. If companies lose money on one customer who does not pay, they have to make it up by charging more money to the next customers.
Yes I am trying to change things, through forums, voting Libertarian, being a good example, etc… You give your advice your way and I will do it mine.
or asking for a handout, they’re merely asking for a break in the payments regarding the time that they’re due, interest rate decreases, and minimum payment decreases. If a lender agrees to lower the interest and minimum payment for someone having a hard time making the payments, how is that forcing YOU to bail them out? It doesn’t even affect you.
You can tell people to “BE PREPARED” until you’re blue in the face, but even the best laid plans can fail. Life happens and sometimes there’s nothing you can do about it. The other night on Dave, a family had been on the plan and had a baby with severe allergies. They had to buy special formula to the tune of $2K a month! Things that we can’t control will happen in life and we all do our best to roll with the punche.
There’s a difference between being firm and showing someone where they made their mistakes and how to fix them and chastizing people for their mistakes. Just by virtue of being a member of this group, I would venture to guess that most, if not all, of the members here who are trying to get out of debt have realized the error of their ways and are working to fix it. By belittling them and asking why they were not prepared is not helping them.
I appreciate your opinion. I had to change my yahoo ID many times in order to view the posts so I would call it ‘banned’.
Cruel? I think most of the posts here are way to weak compared to the severity of the problem. Financial problems have lead to many divorces and you think the best thing to do is give hugs and kisses?
Matt, these people need tough love and real answers so that they not only feel good but are able to actually solve their own problems and
be financailly independent for the rest of their lives.
Football coaches love to yell to motivate players. Have you ever heard of Bobby Knight? Is he wrong for yelling or is it just another way of communication that you need to accept?
So, plowing a paycheck on gambling and drugs is a valid reason for forcing me to bail someone out? Wrong!
People do not ‘BE PREPARED’ because they know they will be bailed out becasue they have been bailed out of everything else in life. Overcomming your own problems will make you a much better person.
I hope, so these ideas never crossed my mind. I stay here because it keeps me motivated. I very well could lapse back into the abyss of debt and not feel bad about it, but I stay here to remind me of whence I’ve come. Listening to struggles and offering advice (for what its worth) keep me grounded so to speak.
I came from positive net worth, I didn’t grow up witnessing debt but I tried it out for a time. Then sense was restored to me and I’ve decided never to walk on that line again. I was delighted to find a Dave Ramsey group, as listening to his local radio program (before he became a national phenom) on my drives through Tennessee, really enlightened me. I can’t say that I followed him on my path to freedom, didn’t get to hear enough of him, but when I compared what he teaches, with what my now ex husband and I did, it was like confirmation that I did the right thing and could be assured of a better future. I’ve been n the positive side of debt for about 9 years now.
No Im not here to write any expose’s, just a testimony that it works.
because the question was already answered in the post. I said I was living paycheck to paycheck. By sheer definition of that term, it means no 3 -6 months savings.Besides the fact that I am now following Dave Ramsey’s plan would mean that I was not the brightest with money.
I don’t think anyone else on this group was confused as to why I didn’t have an emergency fund. I think we can all agree that one is needed and would be the smart thing to have. So your question didn’t really need an answer, or were you just trying to “rub my nose” in my past mistakes? Or do you feel that I haven’t seen the foolishness of my ways?
What I don’t understand is why you want others to listen to your advice, and yet you can’t listen to what people tell you. You were told time and time again that your post were out of line and although you have “toned it down” you still don’t see the problem. You feel like you just “tell it like it is”, but what you do is way beyond that. Dave, Chuck, and several others on this list “tell it like it is”, you instead are mean and belittling. You were even banned so you say (the only one that I know of), and still you think that you were treated unfairly and the rest of us are just thin skinned. What will it take before you take a good hard look at the way you talk to people to before you see that perhaps that the vast majority of what others are saying is true?
It’s not that those with net worth “shouldn’t” be here, but that they don’t necessarily “need” to be in this group. I would make the assumption by the name of the group alone that most members are those who are trying to get out of debt. Or at least, that would be the original reason for joining…that was my reason. BUT, I can see myself a few years down the road being debt free and still participating in this group in order to help others and share my experiences.
I wouldn’t need to be on this list. Net worth means after debt, and if I had that much net worth, my debt would not be causing me grief. Also, if I didn’t have any debt problems, paid my debts on time and saved as I need to, lived within my means at all times, I again wouldn’t need this list. The reason I need this list is I have done, and sometimes continue to do, stupid things. Some I repeat, which is really stupid, and some are new “challenges.” Nevertheless, I need the advice and moral support of this list.
I was unjustly banned because I did not violate any rules, all I did was tell people the same thing I tell my self everyday. I give the same advice that I would want to hear.
This is not the playground at recess, financail difficulties are very serious and can even ruin marriages so why should I be ‘nice’ and
give bad advice when I could be ‘firm’ and give good advice?
I have been trying to say nice things and give good advice.
BTW, you did not answer my question and it could help me, you.
Do unto others as you would have them do unto you.
I think hardship is perfectly valid for perfectly valid circumstances. So, the question becomes ‘What is a valid circumstance?’.
My HUMBLE opinion is: Only extreem unforseen medical disabilities are valid circumstances, most/all other circumstances can be planned
Boy scout motto: Be prepared.Yes, I think I was banned unjustly because I am straight forward and honest. Financial instability is to important to have someone be nice to you and not give you good advice. I personally would rather have someone yell at me with good advice.