aristocatt posted: Best of luck. I recommend Dave Ramsey's Total Money Makeover for them to read. He's a very motivational speaker too, and can encourage them in their resolve to pay off the cc's and continue to live without them. -------------------I SECOND, THIRD, and FOURTH this recommendation!!! Even if your parents aren't using the credit cards anymore, I'd have to bet they don't have a budget that they stick to - they are probably throwing away LOTS of money every month. A debit card is almost like a credit card in that when you make a purchase, you hand over this little plastic rectangle, someone swipes it through a machine, you sign something, and they give you the little plastic rectangle back. You didn't "lose" anything - the purchase didn't "hurt". How much would it "hurt" if you handed them green paper and they handed you back only a little green paper and maybe some silver and copper coins?CASH is KING!!! Get them to reat this book and see if they would consider doing a cash-based budget for discretionary spending - it WORKS! jrsmith13
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