Most peeps have to crash & burn (some multiple times) before they realise Dave Ramsey is right. It's a great feeling knowing one can purchase anything they can afford with cash, not to mention the abiltiy to sleep like a rock at night not having to worry about money.
If I can't buy it at the end of the month I'm not buying it at all, I'm off the credit Ferris wheel and never getting back on.
: ' )