Montyolee YouTube Reply in detail

Well, i did not have time to make a video but I think that Montyorlee missed the point.  Reply to Monty

I do not think you heard that we closed our account and he is correct about closing the account would affect your equifax and credit rating reports.

Cutting the Credit Cards is part of the process. Take your own test and see how many married and living together couples do not co-mingle their accounts. Each one makes there own finance, most having between 3-10 grand in debt.

The cutting of the cards keeps them on the same financial page. Dave got us to use a monthly review of our expenses to use ONLY cash and to make an emergency and special savings.

With the job and economy crisis getting worse, reality is setting in. Living within your means is what Dave Ramsey is teaching, and having a CC card in your pocket can be hard for many.

Using a CC in hard financial times is like a person that has a eating disorder with lots of food in the fridge. It is almost impossible to do.

Last, Forget any of this advise if you are both not the same spending page and you do not discuss what you spend and save on a regular basis.

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