I don't know who Dave Ramsey is. Joyce Meyers had a lot of good points last week on her show. Every one needs to look in there house hold..my husband likes {LOVES} to spend money, while I am very tight with money. I had an emergency fund that he did not know about. It has paid our bills. Every one needs an emergency fund. If I hadn't did what I did we would be behind, but we are not. I grew up poor..was never tought how to pay bills or how to manage money. Mom and Dad would order things and not pay for them, they wouldn't pay there bills and bill collectors is all I remember...it was like it was ok to cheat people and not pay your bills. That is not okay! I was lucky enough to find some one to teach me how to manage money, live WITHIN my means, BUDGET and know the difference between a want or a need. A want I can live with out and if I needed something I bought it. But, I really had to need it. It all comes down to disciplin. I also get help and wisdom from Our Heavenly Father. I sincerely do. So who is Dave Ramsey?
