I have done the Dave Ramsey worksop. It is great to gain back control over spending. the real key to success is to change the spending. sounds so easy but in reality it is really HARD
~Christina My word of the year is TRANSFORMATION 2 Corinthians 3:18 And we all, who with unveiled faces contemplate the Lord's glory, are being transformed into His image with ever-increasing glory, which comes from the Lord, who is the Spirit. EST Northern KY
I like the article because the author understands that no one approach fits all. Positive reinforcement is crucial to success and we are all different in what motivates us. The only disadvantage with articles like this is that it often leads people to think that they can solve their debt problems without outside help. In severe cases I think Consumer Credit Counseling is often necessary to get an outside and unemotional perspective on the situation. Birgit
You can talk to God all you want and that's great, but the changes happen when you start listening to him.
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