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I follow the Ramsey financial philosophy and I have done well. And, yes not paying them back has a negative impact on your credit!
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Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach. DO NOT pay more than the minimum unless it is the minimum debt.
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