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Americans are drowning indebt.
Stop Using Credit Cards
Ramsey and his team make it known theyre not fans of credit cards.
For example, Jade Warshaw explained onRamsey Solutions websitethat credit card companies are manipulators.
One way they manipulate consumers, she explained, is credit card rewards.
Make a Written Budget
Its easy to spend money and not know where it goes.
It can happen easily, but with a detailed, written budget, every dollar is allocated for.
If its not in the budget, dont do it.
Youre gonna get real focused like your life depended on it because it does.
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