Debt consolidation

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Опубликовано:

12 сен 2024

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Комментарии : 108

@lovetofly32 7 лет назад

I love this man! You talk about a man with a good heart using his gift for gods will. All he does is help people and it brings tears to my eyes. Amazing..

@jschrods17 10 лет назад

I love you Dave Ramsey!!! You're the man! I listen to you at least once a day. I'm 20 years old, going to college, have never been in debt and I never plan on being in debt. Having paid for college myself up to know, and having my degree next semester, I still listen to your program. The way you say things in the most simple way for anyone to understand is amazing. You comfort people, tell them the truth, really... tell them wtf is up. You guy people back on track and it seems they're truly thankful. Thanks Dave, keep kickin' ass. Debt ass that is. Look forward to calling in one day even just to say hi and thanks :)

@lovemovie4125 5 лет назад

You are smart kid!!!

@Anna-tc6rz 5 лет назад

Hope you're sti doing well! That was my plan too.... but life lol

@toreal8838 5 лет назад

She needed more than financial advice... He was truly a blessing to her. You could hear the pain being lifted as he gave her words of encouragement.. Amazing David.... Amazing! 2times (Like on the movies). Lol.

@chocOneOOne 5 лет назад

One thing Dave does is he senses the internal needs of people while picking them up them at the same time he's giving them advice. Some of these people are broken and need a shoulder to cry on and Dave is it for them. This is one of the things that separate him because he's not out to scam or take more of you money. He makes people feel something they may not have felt in a long time.

@johnnyjones7442 3 года назад

He talks about common sense decisions. Do the right thing. We should all listen to this man.

@mirnapretty8169 6 лет назад

Dave gave her so much hope!!He is a blessing!

@daffertube 5 лет назад

Debt consolidation is mentioned once in this video.

@margaretbehre6461 6 лет назад

It's incredible how many people have a car payment. I had no idea until I started watching Dave.

@MyFreedomChannel 10 лет назад

Bless her heart! Pay day lenders are nothing more than legalized gambling with your paycheck (in my opinion). I remember going thru this issue over 10 yrs ago with a national bank. It took me what seemed like an eternity to get away from it for good. This was not easy for me at first, as it took a lot of self-control and determination to say "NO" to these loans and re-learn how to budget every single dime, nickel & penny I earned. Thankfully, I had the emotional support of my family and friends (without financially bailing me out). I pray this lady will recover and do well.

@candycanewilma0114 6 лет назад

@Diane Milligan's Favorites I'm not sure but ,if anyone else trying to find out how do you improve your credit score try Magonsi Credit Magic Expert (Have a quick look on google cant remember the place now ) ? Ive heard some amazing things about it and my neighbor got great results with it.

@TheChrist559 5 лет назад

Debt consolidation is only good when you actually take advantage of just 1 payment

@HerrenGamingNews 4 года назад

Yeah the default option should be to close the accounts, that's what I'm doing I'm going to get a credit card at a $1000 limit for emergencies I'm closing my line of credit and credit card accounts. I'm never getting myself into $15,000 in debt again and I'm never taking out a loan on a vehicle again

@howcin 7 лет назад

It's amazing this guy got famous explaining common sense to Americans.

@marquiselogan9832 6 лет назад

howcin common sense is only common to those that know most people are ignorant when it comes to finance

@jimpalace4367 6 лет назад

You're both right to a degree. Most high schools aren't teaching personal finance so yes, a lot of people just don't know. However some of this stuff SHOULD be common sense like figure out the interest and how much a payday loan ACTUALLY costs you. Or, How much that flat screen costs you with 14.5% interest making the minimum PMTS. Very few people bother to check this stuff out.

@marquiselogan9832 6 лет назад

Jim Palace Again only common if you know most people don't even know how to correctly calculate or convert interest rates

@rrichter6781 6 лет назад

the problem with common sense is that it is not all that common, ironically

@aeromedical6750 6 лет назад

It’s because he found a niche. He developed a common sense, linear approach to getting out of debt and building wealth. There really was not a good instruction guide that the average person could understand before Dave developed the Total Money Make Over. We all it’s common sense, Dave just put it down on paper, and built a program that has demonstrated results. In essence, he built the better mousetrap.

@theopiner402 8 лет назад

My wife consolidated her student loans before she met me (on advice from her mother). Her interest rate matches the highest interest rate that my student loans have. The difference is that her total at that interest rate is double what mine is at that same rate (I have other student loans at lower rates). I think debt consolidation is a poor choice most of the time.

@gabriereina 8 лет назад

hey ,if anyone else wants to uncover consolidate debt try Renkarter Amazing Finance Report ( search on google ) ? Ive heard some super things about it and my mate got amazing success with it.

@jasonbabcock7364 5 лет назад

As if we care what your student loan interest rates were..

@samanthasmith6172 6 лет назад

Dave you are awesome!!!! This woman was encouraged through your advice, and you gave her hope. It’s amazing how God used, what could be, your biggest failure, and turned into your biggest success. (Aside from your family) love it!

@clutchtastic_ 2 года назад

3:56 he was about ready to mute her. First thing I'd say is LISTEN TO HIM! You called in to listen to what he has to say. If he asks a question, answer it concisely and quickly.

@ghnfyhj 5 лет назад

And then you have those people who talk bad about Dave saying that he doesn't know what he's talking about on a lot of topics. He's successful for a reason.

@TheKwnyc 10 лет назад

Great advice.

@hitman17021 7 лет назад

Great advice!

@hines862009 10 лет назад

Like a BOSS ...wait, he is a BOSS!

@madenewministries 6 лет назад

Great video! Sound advice given here.

@richardramirez4578 6 лет назад

4 walls? Food Shelter Food Clothing Utilities I think that’s 5...

@EmpressLilith222 5 лет назад

Richard Ramirez 4 walls need a roof :)

@EmpressLilith222 5 лет назад

So there’s your 5

@hbarudi 5 лет назад

Food repeated twice and transportation missing.

@insideoutsideupsidedown2218 4 года назад

All of these things take place inside your four walls, yes

@CarlosReyes-sj5qr 7 лет назад

should I get a loan to pay my 10 credit cards and have 1 single payment instead of 10?

@mirnapretty8169 6 лет назад

I don't think so. You run the risk of getting into credit card debt again, if you don't close those accounts. Then you will have the loan plus the credit cards. Dave advices to be paying the small balances first, then tackle the big ones. Good luck!

@insideoutsideupsidedown2218 4 года назад

Baby step 2 will not be as fun. Paying off those cards one at a time will be worth it. Make sure you cut up the cards, then when the accounts are paid off, send in writing to the cc company and close the account. Do it in writing, not over the phone, that way you don have to deal with the shyster that will try to convince you to keep them open, just in case of "an emergency"

@mesube22 6 лет назад

I hate to be mean but please lady. "SHH!!! Let him talk. Geez

@neyomyahprice2654 6 лет назад

I hate when Dave gets the callers that don't know when to shut up, or they don't understand the mechanics of a cell phone delay.

@neyomyahprice2654 6 лет назад

I'm pretty sure most people don't do what Dave says. Sometimes when they call he says, "I don't think you're going to do anything I told you."

@debrawilliams7983 8 лет назад

She goes to GA and Church and still gambles?!! She's not fully "recovered"! Thinks she can still do "a little gambling"! This is what keeps her in debt!

@wahtakk5684 4 года назад

When you don’t pay your credit cards the interest and late fee per month add’s up to your balance right? Pls correct me if I’m wrong cause I have credit cards problem too. Thank you!

@Flontat 7 лет назад

I have a question on Debt Consolidation in 2009 I was in a car accident and I got the full settlement which went to medical care and liquated everything I owned and racked up debt to get more care. I was getting close to paying that debt off when 0n 11/2016 I was the victim of a violen assault. Someone hit me in the face with a hard object a few time's. Now I'm in debt again, and getting threatening letters from lawyers. The doctors are sending huge bills like the ER doctor $1200 just for him, $1200 for the anastheologist and I was only out for 23 minutes. I looked these prices up online and if I had insurance it would have been a third of what I'm being sent to collections for. I have tried to talk to all of these people. I have the surgery bills to but I don't know what to do. I already spent a large chunk of my life just paying off medical bills and it's happened again. This had to happen when I was between jobs and didn't have insurance. I want to get out of this without feeling like a slave and working insane hours for years again.

@ittakesavillage5461 6 лет назад

Chris Christopher how are you doing now?

@aeromedical6750 6 лет назад

@Chris Christopher - ask to sit down with the Finance Department for the hospital. Often times, they will negotiate with you to accept what the average Insurance would have allowed for these services. Come armed with your information. They would rather take less (within reason) if that is all you truly have the ability to pay than chase you down for monies they may never be able to collect. You may need to bring an attorney with you and be prepared to openly disclose your finances. The hospitals know that if you are forced into medical bankruptcy, they have very little chance to recover even a fraction of what they are holding you accountable for. I hope you are recovered from your injuries. I can’t imagine going through what you have endured.

@jmonte5896 6 лет назад

she's not going to stop gambling

@mariahmills7476 5 лет назад

So debt consolidation loans are bad?

@insideoutsideupsidedown2218 4 года назад

Mariah Mills if your behavior on money does not change, yes.

@Megaslob 5 лет назад

When Dave says to “let the credit cards die” like does he mean to simply not pay them back??? Because that will cause lawsuits. The creditors will haul you into court.

@insideoutsideupsidedown2218 4 года назад

MegaSlob depends on how much they are, and you still cant get blood from a turnip. This happens all the time, and they will end up selling them to a debt buyer, who will buy her debt for like a nickel for every dollar owed. She can settle the debt at that time. They will never fully go away, only way is chapter 7, but again, if she doesn't deal with the gambling, it will not matter....

@waterenglish9501 4 года назад

Answer the questions lady

@MissPinkapples 5 лет назад

He didn't answer the question 🙄🙄

@Baron-nv1ez 6 лет назад

I financed an auto through Wells Fargo a couple of years ago and also have two credit cards one from CapitalOne and the other one from Chase. I was wondering if I could consolidate the entire amounts owed from the two credit cards and add them to the auto loan so I could get a lower interest rate and only have to make one payment a month instead of three separate payments to three different places?

@Classof-et4wd 6 лет назад

Israel P I hate capital one 😓

@Baron-nv1ez 6 лет назад

Khaledh Tahan What Credit Card do you recommend that has the best APR, customer service, and easiest to get a credit line raise?

@Classof-et4wd 6 лет назад

Israel P I really don’t know I had a target card for $200 just using it and paying it down would work. I wouldn’t worry about the Apr if you pay it down in full every month.

@becraftcorey 8 лет назад

hey Dave I have a question, is there anyway a student loan will take a payoff amount lower then the total balance to be clear? it's a low around around $2200 I pay only 30 bucks a month but it will take 88 months I want to save to just pay it off so I make a payment but I want to pay it all off I can pay it now in full but I don't want to give that much of my savings at once what should I do

@KayDejaVu 8 лет назад

+Corey Becraft he does not answer online. Hopefully your sit worked out.

@GenK1991 8 лет назад

Dave's response to you would be to keep 1000 in your savings for your starter emergency fund, and attack the debt with the rest of the balance leftover from your saving until you pay it all off in full. Too many times we like to keep loans around so long we think its a pet.

@neyomyahprice2654 6 лет назад

That is exactly what Dave would say after he called what you did stupid a few times.

@corycarreira2690 5 лет назад

What does he mean by picking a few credit cards you're going to keep alive, then let the other die? Meaning don't pay them? Won't your credit take a huge hit if you dont pay them and let the balance go up?

@insideoutsideupsidedown2218 4 года назад

She is broke. There is no money to pay them. Your credit score, or your "i love debt score" will take a hit, but when you are at the point of "I'm never going to borrow money again" it is not going to matter. What about a house? She is no where near able to buy a house. In the future when that comes up in baby step 5, she would be saving for a large downpayment anyway. People say all the time it is not possible, and i am here to tell your yes it is. She can settle those credit cards later, he is not saying never take care of your debt, she is at the place where she has to take care of her four walls first, and those debts will just have to whine and cry and get paid later. Read the "Total money makeover" it will go into depth on all of this.

@thegodfather4831 4 года назад

"I don't know if I started gambling because my husband left me or my husband left me because I started gambling..." I am paraphrasing the line" I don't know if I started drinking because my husband left me or my husband left me because I started drinking" Kind of sounds like what she was saying at the beginning of the interview with Ramsey on her gambling problem

@Classof-et4wd 6 лет назад

Debt consolidation I wouldn’t recommend the debt consolidation companies have deals with these credit card companies yes you get lower rates but you don’t feel the pain of paying off this credit card really learning your mistake plus the fees for membership etc. so your most likely to do it again. But when you feel the pain of the financing mistake you made and you see the cash that you are spending on these dumb credit card companies then you will feel like I don’t ever wana go through this ever again.

@victormendoza3295 5 лет назад

Oklahoma is bad for all of this stuff. Not all her fault. One of the world's biggest Casinos is there and there is an Indian Casino Around every corner.

@wlonsdale1 4 года назад

Nobody held a gun to their head so....

@arosas-zero 7 лет назад

I did just hear don't pay the credit card?Good o dave ramsey and bad advice in the credit card regard. lol

@tatripp 7 лет назад

arosas She doesn't have the income to pay. She'll pay it eventually.

@mirnapretty8169 6 лет назад

For now no. The debt is too big and she can't afford the minimum payments. She will settle with them in the future, I think.

@mariahcooks8123 5 лет назад

I like Dave but this didn’t seem to help at all :/ He didn’t give any concrete steps as to what to really do to get the credit card debt gone...other than have her enroll in his $100 course. Lol. (Who knows? Maybe he didn’t charge her 🤷🏻‍♀️ but still. Lol). I know the whole snowball effect and I’ve done FPU, but there’s gotta be a better answer for this lady than this...?

@insideoutsideupsidedown2218 4 года назад

She needs to get control of her gambling before anything else, otherwise, it will be for naught. She will end up right back here and worse.

@richardwebb3013 6 лет назад

You don't let your credit cards die. There goes her credit score. 30 60 90 days late. Creditors calling. Collections. Judgements. Let them die?

@leodwinak 5 лет назад

Her credit score is already shot.

@chrisstaub5880 4 года назад

He didn't say never to pay the credit cards at all. What he said is that credit cards should be dropped to the bottom of the priority list and only paid when she has money left over after everything else, as other bills she has are more important in comparison.

@anthonyyork6777 5 лет назад

kings man

@edwardbegal8346 5 лет назад

nice bambang

@KayDejaVu 8 лет назад

2500/mo and over 20K in debt! And has the nerve to talk about GOD??? What a joke.

@theopiner402 8 лет назад

Why would debt keep someone from talking about God?

@KayDejaVu 8 лет назад

God does not get you out of debt.

@theopiner402 8 лет назад

***** That does not explain why you think a person in debt should not talk about, or glorify, God.

@KayDejaVu 8 лет назад

God cannot help anyone. Belief in god is just that, a belief. If one is in debt, one has to come up with some concrete solutions on how to get out it. Prayer has been proven to be ineffective.

@theopiner402 8 лет назад

***** Actually, having something to believe in has been proven to be helpful. Prayer, whether to God, Allah, Buddha, etc. has not been proven to be ineffective. Don't let your personal beliefs cloud your judgement. Don't let your personal beliefs give you reason to treat other people poorly.