I assume this wasn't written by Dave Ramsey.Well, obviously. This is about personal responsibility.Aw, now that's not fair. :-) Dave Ramsey is all about personal responsibility.FWIW, I think the criticisms of his system being one-size-fits-all are reasonable (no thinking person should buy into any system, including Fool wisdom, without examining it for themselves and in light of their situation), but people often forget that he's accustomed to dealing with the equivalent of financial alcoholics. For the sake of clarity, he ignores the fact that not everyone who needs to cut back on their drinking is an alcoholic -- some people can safely learn new habits and drink in moderation.For now, I find that I can use credit cards and pay them off, given two caveats: (1) with YNAB, I see money spent on credit deducted from budget categories the moment it's spent, so I have to deal with the impact on my budget immediately, and (2) I pay off every card except the snowball target before the last day of the month, whether it's due or not, so no new debt will show up in my end of month totals in Quicken. So far, it's working. But I know how easy it would be for me to backslide if I let my guard down for a minute. I also know that I can't trust myself to wait until the bill is due, or accept a 0% for X months offer, like someone with more discipline could.(I treat my drinking very much the same way. I can drink, in moderation... but there's alcoholism in my family. I know the signs. Watch and be wary!)
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