Staying Ahead And Out Of Debt!

It takes as much imagination to create debt as to create income. –Leonard Orr

I would say that the best way to stay ahead is to never get behind! That may sound pretty obvious and silly to many, but it is a simple truth! I just finished listening to a very interesting audio book by Dave Ramsey called “The Total Money Makeover” in which he counsels about how to get out of debt, and then how to accumulate wealth with an average income!

In the United States, “the American Way” has been pretty much paved with the debt, borrowing in order to have and living “the American Dream” without have the means to do so, by going more deeply in debt.  There is a verse in the Bible that I particularly like which goes, “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.”  Romans 13:8

I have tried to follow this principle through out my life and am thankful that I have not fallen into debt, except for one particular time with a credit card, and it quickly taught me that I never ever wanted to do that again!  From that time on, I have always paid in full my bills with any card, and have not bought anything unless I knew that I would have enough at the end of the month to pay for it.

I can’t say that I have gained any wealth, but I have lived well, and have not fallen into debt.  “The Total Money Makeover” by Ramsey is pretty thorough in sharing  tips on how to, not only get out of debt, but to even gain wealth and how to better prepare for retirement without holding on to the false hope that the federal government will come to your rescue through Social Security!

If you are fighting with debt and have fallen behind, I highly recommend that you check out this book by Dave, it could very well change your life!  You can find his site at  It is amazing just how well you can live by staying within your means!

How are you doing, are you staying ahead?

8 Replies to “Staying Ahead And Out Of Debt!”

  1. I used to watch the Dave Ramsey show every night before I started blogging. He makes a lot of common sense. I sometimes can catch him on radio too. I haven’t read the book but I do highly recommend him too.

    1. Hi Lisa! I have been enjoying listening to his audio books lately! I have always been one to hate debt and he is really passionate about that. I finally broke down and got an ipod and it has been a real tool for reading on-the-go! I have been pretty much out and about lately as I guess can be evidenced by my absence online, so it is nice to be educated as I am on the move! Thanks for stopping by! Hope you are having a great week!

  2. I’m really anti-debt. I prefer to have less and live within my means. I don’t agree with the mindset a lot of people teach their kids. If you can’t afford it you shouldn’t use a credit card, you should save up for it.

    1. I am not sure if in England you have followed the bad example that there is in the States where it seams that you can practically do nothing without a credit card. It has made the almighty credit card, king of the household. But the sad truth is, credit has ruined the lives of many a person there. I am currently in Italy where for the most part they try to use cash still which I feel is better. Once you live in the plastic world and things seem to be easy to come by, you can lose your sense of reality, and lose control. I have credit cards, but I never sue them unless I count the cost and am certain that by the end of the month I can pay in full. Debt can cause a lot of stress in the household and between partners! THank you Anne for your visit, it is ALWAYS appreciated! 🙂

      1. I’d personally agree that the UK isn’t quite as “credit card” focussed as the US, but we’re slowly beginning to catch up.

        There are numerous examples of people’s lives being ruined by the ever increasing trend of using credit cards for long term finances.

        I dont think it helps that the major issuers are bringing out new technology and gimicks (eg contactless technology) to entice new credit users.

        1. Hi Andrew, I live in Italy and the same goes for here. As time goes on, more and more people are going to credit cards and cash cards. They have even made it a law most recently that you are not allowed to pay out an invoice above € 999.99, which means that you have to either issue a check or use a credit card. We live in a society with so many new gadgets and everyone feels that they use have to have that special “thing” the “in” thing or else they will be left behind. In order to get it they will stretch beyond their means to get it. Debt is true slavery with invisible walls! THanks for stopping in.

  3. David Ramsey has a radio show I’ve listened to. Good sensible points. Rusty, you do good by sharing your experience with limiting use of credit. I have a blog called Tales from a Time Traveler in which I tell stories about experiences. I never thought of adding advice as a takeaway but perhaps I should. We all need to be reminded about what works. Still, I think I’ll continue emphasizing the entertainment value of the amazing life I’ve lived.

    1. THank you David for your visit! I would say you should continue indeed to share your experiences! It looks as though you have a lot to share with all that you have done. Amazing life, it is wonderful to meet you!

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