New Castle News

Money: Dave Ramsey

May 11, 2012

Dave Ramsey: Short term or greater good?

NEW CASTLE — Dear Dave: I have a problem with impulse spending. I switched to a debit card so that the money comes straight out of my checking account, but I still buy things I know I shouldn’t. Should I stop using the card? — Lauren

Dear Lauren: First, let me say that debit cards are great. You can’t spend money you don’t have with them like you can with a credit card, but you’ve still got to budget carefully and give a name to every single penny of your income. Otherwise, you can still overspend. When I made the decision to get intentional with my money, I just used cash. It’s hard to spend it when you don’t have any on you. It’s a tough thing, I know, but you have to make a conscious decision to start living differently. You have to get mad at the things that steal your money a dollar or two at a time, and you have to put your foot down. Enough is enough! Try looking at your life as a whole, not a moment at time. All the moments you’re living right now will have either a positive or negative effect on your future. I decided I wanted the greater, long-term good, so I gave up on the short-term stuff. No discipline is pleasant when you’re doing it, but as the Bible says, it yields a harvest of righteousness. Trust me, Lauren. The greater good is worth the sacrifice. But until you make that decision for yourself, you won’t do it. — Dave

Dear Dave: I’m 53 and in a position financially to retire in a couple of years. I want to keep working some after retirement, but I’m so burned out by my job that I’m not sure what I would do. How can I find something that would light my fire again? — Nancy

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Money: Dave Ramsey
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