Megan McArdle has a fascinating article on anti-debt evangelist David Ramsey, whose advice on personal finance sounds pretty darn sensible.
Will
Will writes from Washington, D.C. (well, Arlington, Virginia). You can reach him at willblogcorrespondence at gmail dot com.
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on Trump’s Unforced ErrorOn point #2, I think the salient commodity we kept talking about during the election campaign was eg…
on Trump’s Unforced Errorraise loud alarm bells to those old enough to remember the phrase “concentration camp,” Oh, don't wo… on Open Mic for the week of 1/27/2025Hey, at what point are we going to start doing something about the open fascists on this site? on Open Mic for the week of 1/27/2025At most I’ve suggested dropping some of the least popular stuff and stopping talking about the next… on Open Mic for the week of 1/27/2025The fight got picked by a certain brand of activist pushing hard for medical interventions in minors… on Open Mic for the week of 1/27/2025It's better than that. Banning trans medicine and pharmacology from American minors, and litigating… on Open Mic for the week of 1/27/2025It hasn’t worked so far It objectively _has_ worked. That's how we have Trump as president. The medi…
on Open Mic for the week of 1/27/2025https://www.nytimes.com/2025/01/29/opinion/trump-inflation-bonds-debt-yield.html The Bond Markets ar… on Open Mic for the week of 1/27/2025Yeah I can see Trump making a mistake like that
on Open Mic for the week of 1/27/2025It was the wrong Gaza. They were sending condoms to Mozambique.
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I work with a disciple. He won’t shut up about him.
I can’t say something like “I bought a copy of Dragon Age” without him saying something like “I wish I made Jaybird money!”
Drives me up the wall.Report
My wife and I did the 13-week ‘Financial Peace University’ through our church. Basically you spend an hour each week watching a 1 hour lecture on a chapter of the program and then spend 30 minutes in a group discussing strategies, setbacks, etc. It was very informative and also very sobering to hear how much of a pickle our fellow group members were in.
We haven’t stuck to the program completely but we haven’t borrowed money in 3 years, no credit cards and we have reduced our debt by about $10,000. Ramsey’s stuff works.Report
Yeah it really does sound pretty compelling, particularly the stuff about paying with cash instead of cards to better control your expenditures.Report
The one thing we don’t do is the cash thing. Instead, if we’re saving for a trip (for example) I will have my wife write a check each week for a portion of our trip budget. This takes the money out of the checkbook so we can’t spend it. Then I put the checks in an envelope. When we hit our target dollar amount we know the cash is in our checking account waiting for us. I know some people who also do the cash method with Monopoly money.Report
You know what isn’t sensible? Paying 200 bucks to listen to a guy tell you how to be spend your money sensibly.Report
Ack, how did that stray “be” get in there? …speaking of not being sensible.Report