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Money is Expensive

Money is Expensive I figured it out! One day while making a bowl of
cereal and looking at the price. It hit me! It's

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07/26/2021

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Debt is DUMB. Cash is KING.

A debit card will do everything that a credit card can do, EXCEPT put you into debt.

There will probably be some time between steps 1 and 2 on this list, but cutting up the card to stop the temptation to spend is very important. Pay it off as quickly as you can, then make the call to cancel. The credit card company will probably try to give you a hard time or offer you incentives to keep the account open. Don't give in. You've said "NO" to debt. Make sure to get a confirmation of the cancellation in writing, and never look back!

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06/24/2021

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If you ever find yourself going through a tough financial season, remember to focus on taking care of your 4 Walls FIRST, and in this order.

Cover utilities before you pay your rent or mortgage. This is because in most cases, your lights or water risk being shut off before you'd be evicted.

During a storm, you've got to prioritize your expenses. Don't ever pay a debt before you buy food. Pause paying extra on debts and save money while you weather the storm. Once your income stabilizes, you can resume working the 7 Baby Steps.

Always remember - there's a light at the end of the tunnel, and you DO have what it takes to get to the other side of whatever situation you're facing.

Should I get a fixed-rate or variable-rate mortgage?
06/10/2021
Should I get a fixed-rate or variable-rate mortgage?

Should I get a fixed-rate or variable-rate mortgage?

Everyone wants to save money on mortgage interest, but there are other things to consider. This guide walks you through the most important questions to ask.

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05/12/2021

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"In a heart filled with gratitude, there is no room for discontentment." — Rachel Cruze

04/17/2021
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01/05/2021

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If you can't pay cash, don't buy it.

This doesn't include a mortgage. Just make sure you're out of all other debt and have a 3-6 month emergency fund FIRST. (Don't get a mortgage that's more than 25% of your take-home pay on a 15-year, fixed-rate.)

If you're tired of just making minimum payments and living paycheck to paycheck, there is HOPE.

Ramsey+ is an all-access membership to everything you need to help you WIN with money—all in one place. It includes our bestselling money tools, apps, content and resources to help you take control of your money for good, and say "NEVER AGAIN" to money stress and money problems.

Start a FREE trial of Ramsey+ today: https://bit.ly/2LM1Rdg

Timeline photos
01/05/2021

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Make 2021 the year you start budgeting. Create a new budget each month, and track your expenses as you go. You'll feel like you got a raise. Seriously. When you know where each dollar is going, you'll see just how many dollars you actually have.

Get started with my team's budgeting app, EveryDollar: https://bit.ly/3p3dv1U

3 ETFs That Tesla Drives
12/28/2020
3 ETFs That Tesla Drives

3 ETFs That Tesla Drives

Discover three ETFs with Tesla leading the fund to help charge up your exposure to the electric car marker.

MIE likes...
11/10/2020
AMC Theatres Launches Private Movie Screen Rentals | Hollywood Reporter

MIE likes...

AMC Theatres Launches Private Movie Screen Rentals 6:33 AM PST 11/10/2020 by Etan Vlessing FACEBOOK TWITTER EMAIL ME Noam Galai/Getty Images AMC Theatres The exhibition giant is following Cinemark and Alamo Drafthouse in offering private screenings for up to 20 friends and family members amid the pa...

Moral policy = good economics: What’s needed to lift up 140 million poor and low-income people further devastated by the...
10/31/2020
Moral policy = good economics: What’s needed to lift up 140 million poor and low-income people further devastated by the pandemic

Moral policy = good economics: What’s needed to lift up 140 million poor and low-income people further devastated by the pandemic

Seven months into a global pandemic, U.S. families are suffering: 225,000 lives have been lost, 30 million workers have lost either jobs or significant hours of work, nearly every state is facing sharp drops in revenue that will threaten even more cuts to essential social programs and jobs, and the....

10/31/2020

This week, we count down the top 5 charts showing what's at stake for workers.

5. As Social Security payments rose over the last 60 years, senior poverty declined dramatically. Social Security is the most successful anti-poverty program, and it must be protected and expanded. https://bit.ly/3kSwquo

4. The number of people on unemployment insurance remains breathtakingly high. Nearly 22 million more people are on UI now versus one year ago, and they have gone over 12 weeks without the extra $600 in benefits that Senate Republicans allowed to expire. https://bit.ly/2GeM7xc

3. If the minimum wage had been raised to $2 in 1963, with future increases tied to the cost of living, it would be $14.79 in 2020—more than twice its current value of $7.25. Five years of increases could reverse that trend. https://bit.ly/3efnMUr

2. Because of the types of jobs women have had―including disproportionate caregiving responsibilities―women have faced disproportionate job loss during the COVID-19 pandemic. Black and Latina women workers, in particular, have suffered most. https://bit.ly/2JfMusl

1. A chart that says it all: Although Americans are working more productively than ever, the fruits of their labors have primarily accrued to those at the top and to corporate profits, especially in recent years. https://bit.ly/34G8SU0

10/23/2020
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