Dave Ramsey Quotes

Too often, we make budget cuts - then blow the savings. Instead, think about your financial picture. Do you have high-interest rate debt? Paying it off faster will save you a bundle.

Get rid of debt now.

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

I'm happy to tell you that my debt is retired. That happened because I got a good financial adviser.

I have a personal prosperity plan. I know where my money goes, and how I can spend it more fruitfully. A prosperity plan is something fluid that may alter month to month.

Families out there know that if they get in trouble and they've spent up a bunch of money and they've borrowed and they are up to hock to their necks, the thing they've got to do is start paying off what they owe and cut back their spending.

If you're trying to get out of debt, you have to be willing to treat everything as expendable.

Hard work, careful planning, and realistic financial advice will be required by many to regain solvency.

If you have debt, you have to worry about it. I would challenge each of you to try to be debt-free.

There are no shortcuts when it comes to getting out of debt.

I have earned hundreds of thousands of pounds, but I can't seem to get to grips with money.

Anybody with a reasonable income can become financially independent in a lifetime.

You can't be in debt and win. It doesn't work.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

A financial plan is a way to take all of the money advice you come across and figure out how it applies to your specific financial situation.

We all think we're going to get out of debt.

There's lots of things that can be solved with cash.

To bring down your credit card balances, write down the benefits of reducing your debt. No more gnawing feeling that you're throwing money away, perhaps. More money flowing to other financial objectives. Then consult the list when you have doubts.

It's easier for me to get three times the amount of money I really want.

I used to have to beg and borrow £25 to hire some French windows. I started producing in 1967, and I was in debt until 1981. Having a think about whether you can afford 'this' or 'that' is a good discipline to have, to maximise what you can achieve to the highest standard.

The answer to too much debt is not more debt; it is less debt.

There are but two ways of paying debt—increase of industry in raising income. increase of thrift in laying out.

We need to have a goal of becoming debt-free as soon as possible.

Financial freedom is very important to me because when that kind of stuff is taken care of, I can just focus on fighting.

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.