Beginning Balance cover image

How's It Going Without the Credit Card?

Beginning Balance

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The Importance of Emotional Responses

" credit cards have been a tool of self-deception for me, even though I have not paid credit card interest in a decade," Ramsey says. "Letting it settle into the simplicity of a cash-based lifestyle is a big step." If you notice yourself having emotional responses to this experiment, then that is an indictment of your claim that this is all a mathematical exercise for you", he adds.

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