The trick to getting out of debt is to quit pretending. ~Dave Ramsey

The borrower is servant to the lender. ~Proverbs 22:7

Never spend your money before you have it. ~Thomas Jefferson

I say to you never involve yourself in debt, and become no man’s surety. ~Andrew Jackson

You have to change your habits, because just paying off the debt is not going to change your life. Changing your habits and paying off the debt will rock your world. It will change your life dramatically. ~Dave Ramsey

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