Richard Asks “Who Is Better to Get Out Of Debt With, John Cummuta or Dave Ramsey?”

“Dear Steve, I’m considering both John Cummuta’s and Dave Ramsey’s systems to get out of debt and build wealth. Which is better? Richard” Dear Richard, Your question really made me stop and think and more importantly analyze what I was feeling about both. I’ve never met John but Dave and I crossed paths when I … Read more

Karen Writes In. “My Interest Rates Are Going Up. My Minimum Payments Are Going Up. Help!”

Karen “Dear Steve, Have a lot of credit card debt – struggling to keep my head above water. Interest rates are going up, minimum payments are going up, and I am falling behind. which causes the rates a payments to keep going up and my credit score to go down. What is the best way … Read more

Surviving With Less Credit

At ByDesign Financial Solutions, a debt-counseling service in Modesto, Calif., they’re working overtime these days. “Our call volume went up 97% in the past five weeks, which has left us scrambling,” says Martha Lucey, president of the nonprofit agency. “[The callers] are close to the max on their credit cards, and they just can’t figure … Read more