Dave Ramsey Quotes

I don't like being in debt, and I wouldn't borrow money for anything.

I have never had personal debt and never will.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

Pull in your belt, spend less, and reduce debt.

By teaching twenty-something year olds responsible debt management practices, we can help them create a balanced lifestyle and find peace of mind through increased financial awareness, smart saving and long-term investing.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

I've always had an aversion to debt.

I have only ever borrowed money for investment. I have been sound money all my life.

Do not enter into an agreement you cannot afford. Take precautions to avoid institutional loans with double-digit interest rates.

Loans are a different experience for everyone, but the mentality you have to have is not to feel relaxed. You have to have a mindset that you're going to try harder and work harder than anyone.

Today, there's no excuse for not learning how to get our financial houses in order. Some of us close our eyes, take a deep breath and say a prayer when it comes to managing our finances.

I've had to take out a couple of loans; I'm not gonna lie. I want to pay off my debts. I want to start stacking some cash and set myself up for the future.

I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.

I'd say the main way people get into terrible financial trouble is just to spend too much money relative to their income, and that is an endemic problem in the United States of America, and that's the kind of thing that should be taught about in schools.

It's never been more important for borrowers to arm themselves with knowledge and build sound financial-management skills.

It is imperative that we make consumers more aware of the long-term effects of their financial decisions, particularly in managing their credit card debt, so that they can avoid financial pitfalls that may lead to bankruptcy.

People willy-nilly borrow for consumption. Civil servants willy-nilly borrow for consumption and then wonder why they don't have enough money at the end of the month.

There can be no freedom or beauty about a home life that depends on borrowing and debt.

Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.

We have become 99 percent money mad. The method of living at home modestly and within our income, laying a little by systematically for the proverbial rainy day which is due to come, can almost be listed among the lost arts.

I often say that paying off your debt is like dieting. There are no miracle cures; it takes discipline and hard work.

I am not frugal - I'm quite a big spender - but not on credit.

Don't take risk, and don't get into debt.

One valuable lesson I learned is that buying cheap is very important. Buying without debt is also very important. Leverage is your enemy.