Stay out of debt by buying everything with cash.
That and follow Dave Ramsey’s ‘seven baby step.’
Best Financial Advice Ever
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Warrior and rabid defender of the US Constitution. We strive to remain financially friendly. Amen😇
ST UnWoked & UnVaxxed! 
Thank you for this 🙂 Americans, especially young Americans, could really benefit from this sound advice 🙂
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Baby steps that are easy to take, toward delay of gratification; way to go, Dave…Thanks, ST! Auntie will be sharing these!
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Well you know what I think! We put everything else (trips, new cars, even my shoes!) aside until we paid off our mortgage. Debt is a 4-letter word.
One small quibble is that using a credit card (just one) can provide you with valuable points and more importantly, establish your credit rating. But! It has to be paid off in full every month.
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Yes ma’am. If you have the wherewithal to pay it off in full then those points are ‘totes’ worth it.
Problem is that path is paved to the road of debt enslavement for most peeps.
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You’re right, ST. We just tried to make an extra payment against principle every month; nothing too drastic!
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Nothing too drastic my eye! I paid off my last house in ~12 years by doing just that ‘nothing too drastic’ thing as well. Probably saved me at a least a couple 100K dollars. That is 18 years (18 years!) of being able to do something else with all of those monthly mortgage payments.
Speaking of which I think in many cases it is easier to ‘save’ money than to make it, but the odds are against you – especially if you are not paying proper attention.
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Thanks, ST. Keep Posting! I’m working on paying my mortgage off early!
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Good for you. The sacrifice is worth it. I paid off my thirty-year mortgage in less than 15. Now, I live a lifestyle that most can only dream of.
Thanks for the comment.
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