Just the other day I had to say NO...again! I despise saying NO all the time, in this case it was a NO , we cannot go to McDonald's drive thru. My daughter, 5, was starving...I assure you that she was not! She just could not stand to go home and eat lunch at our own table in our very own kitchen. Poor her...a victim. Of Dave Ramsey. Let me back up. My husband and I have been married since 1995. Many of those years we have had double and triple incomes flowing into this house. We have had credit cards, personal loans, equity loans, car loans and loans from family members. We have indeed, tried to keep up with the Joneses...whoever in the heck they are. New cars, new motorcycles, two car garage with apt over it, new clothing, vacations, they all were things WE HAD TO HAVE! Haircuts, pedicures, manicures, tattoos, piercings, cellphones, computers, leather seats, heated seats....WE HAD TO HAVE THEM. they were necessary. Well after many years of living like this it t
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