Enacademic 🎓Analogindex

*Dave Ramsey has one major thing to say about your money mistakes*

Radio host and bestselling personal finance author Dave Ramsey has some important words to say about people who make mistakes with money. For one, they are not alone. Ramsey explained a bit about how he has overcome financial mistakes in his own life.Related: Dave Ramsey says it's time to buy a house; mortgage rates decline Recently, a woman named Melissa asked Ramsey for his advice on getting a handle on her finances. "Dear Dave," she wrote. "My mom and dad always told me to live within my means," she wrote, according to an email forwarded to TheStreet from Ramsey Solutions. "As an adult, I've made some mistakes with money, including falling right back into debt after paying off everything. I'm tired of this rollercoaster, and I want to get control of my finances for good. Can you give me some advice on where to start?" A woman is seen typing on a computer. Shutterstock Ramsey clarifies what your money mistakes mean The radio personality offered some words of encouragement. "It's frustrating, isn't it? But making mistakes with money means just one thing. It means you're human," Ramsey wrote. "We've all done it," he continued. "Think about this, though. We're approaching a traditional time of the year for changes. On top of that, you're smart enough to have realized what you've done in the past hasn't worked." Ramsey said he has his own experiences with making poor financial choices and explained how he was able to fix the situation. "Believe it or not, I was once in the exact same spot you are now," Ramsey wrote. "When it happened to me, there were three pieces to the puzzle that helped me break the cycle." "One was fear," Ramsey wrote. "Specifically, I was scared to death that I wouldn’t be able to take care of my family, and that I'd retire broke. Now, don't misunderstand me. No one should live their lives in fear. But a healthy, reasonable level of fear can provide needed motivation." "Another was disgust," he continued. "I realized what I was doing was stupid. I was tired of living that way, and I made a conscious, purposeful decision that things were going to be different." "The third piece, and maybe the most important because it's connected to our spiritual walk, was contentment," Ramsey added. "We live in a society that's constantly having the idea that we'll be happier, or more successful, or more admired, if we'll only buy this or that product. We're constantly marketed to, and when we have this stuff in our faces day after day, we can become unsatisfied with just about every aspect of our lives. Don't let it drag you down. It's all just an illusion."Ramsey offers some specific steps to stop the pattern The personal finance expert illustrated a few concrete actions to take that can help. "One of the things I did to combat this, was to start living on a strict, written, monthly budget," he wrote. "Also, I stopped going places where I was tempted to spend money. You shouldn’t give a drunk a drink, right? So, don't put yourself in a bad situation when it comes to your behavior with money. If you go wandering through the mall without a specific plan, you'll lose every single time." Ramsey also mentioned a tip to assist with personal discipline. "When you go to the store make a list of only the things you need. On top of that, take only enough cash with you to buy what you need," he wrote. "If you can walk in and back out without buying a bunch of stuff that wasn't on your list, it's a win. Every time you do this, it's another win and another step away from your old habits and in the right direction." Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
[Read more...](https://www.thestreet.com/money/dave-ramsey-explains-what-your-money-mistakes-say-about-you)

Dave Ramsey says your financial mistakes tell one thing about you

A key way to stop digging and find success is offered.

2 viewsRSS Bot - Chat automation, 17:30

From the technicallythetruth community on Reddit: Someone didn't take anatomy class

Someone didn't take anatomy class

submitted by /u/InbetweenerLad to r/technicallythetruth link comments
Read more...

Explore this post and more from the technicallythetruth community

2 viewsFormato a Mensajes, 17:30

From the europe community on Reddit: 'I get treated like an assassin': Inside Paris's last remaining horse butcher

'I get treated like an assassin': Inside Paris's last remaining horse butcher

submitted by /u/TheTelegraph to r/europe link comments
Read more...

Explore this post and more from the europe community

2 viewsFormato a Mensajes, 17:30

Dave Ramsey has one major thing to say about your money mistakes

Radio host and bestselling personal finance author Dave Ramsey has some important words to say about people who make mistakes with money. For one, they are not alone. Ramsey explained a bit about how he has overcome financial mistakes in his own life.Related: Dave Ramsey says it's time to buy a house; mortgage rates decline Recently, a woman named Melissa asked Ramsey for his advice on getting a handle on her finances. "Dear Dave," she wrote. "My mom and dad always told me to live within my means," she wrote, according to an email forwarded to TheStreet from Ramsey Solutions. "As an adult, I've made some mistakes with money, including falling right back into debt after paying off everything. I'm tired of this rollercoaster, and I want to get control of my finances for good. Can you give me some advice on where to start?" A woman is seen typing on a computer. Shutterstock Ramsey clarifies what your money mistakes mean The radio personality offered some words of encouragement. "It's frustrating, isn't it? But making mistakes with money means just one thing. It means you're human," Ramsey wrote. "We've all done it," he continued. "Think about this, though. We're approaching a traditional time of the year for changes. On top of that, you're smart enough to have realized what you've done in the past hasn't worked." Ramsey said he has his own experiences with making poor financial choices and explained how he was able to fix the situation. "Believe it or not, I was once in the exact same spot you are now," Ramsey wrote. "When it happened to me, there were three pieces to the puzzle that helped me break the cycle." "One was fear," Ramsey wrote. "Specifically, I was scared to death that I wouldn’t be able to take care of my family, and that I'd retire broke. Now, don't misunderstand me. No one should live their lives in fear. But a healthy, reasonable level of fear can provide needed motivation." "Another was disgust," he continued. "I realized what I was doing was stupid. I was tired of living that way, and I made a conscious, purposeful decision that things were going to be different." "The third piece, and maybe the most important because it's connected to our spiritual walk, was contentment," Ramsey added. "We live in a society that's constantly having the idea that we'll be happier, or more successful, or more admired, if we'll only buy this or that product. We're constantly marketed to, and when we have this stuff in our faces day after day, we can become unsatisfied with just about every aspect of our lives. Don't let it drag you down. It's all just an illusion."Ramsey offers some specific steps to stop the pattern The personal finance expert illustrated a few concrete actions to take that can help. "One of the things I did to combat this, was to start living on a strict, written, monthly budget," he wrote. "Also, I stopped going places where I was tempted to spend money. You shouldn’t give a drunk a drink, right? So, don't put yourself in a bad situation when it comes to your behavior with money. If you go wandering through the mall without a specific plan, you'll lose every single time." Ramsey also mentioned a tip to assist with personal discipline. "When you go to the store make a list of only the things you need. On top of that, take only enough cash with you to buy what you need," he wrote. "If you can walk in and back out without buying a bunch of stuff that wasn't on your list, it's a win. Every time you do this, it's another win and another step away from your old habits and in the right direction." Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
Read more...

Dave Ramsey says your financial mistakes tell one thing about you

A key way to stop digging and find success is offered.

2 viewsFormato a Mensajes, 17:30

*Лучшие предложения недели: скидки от AliExpress, GATE31, Bask и других магазинов*

Выгодные акции действуют на спортивные товары, подарочные наборы, аксессуары и не только.
[Read more...](https://lifehacker.ru/predlozheniya-nedeli-89/)

2 viewsRSS Bot - Chat automation, 17:30

*The 4 Biggest DIY Trends That Took Over TikTok in 2023*

They’ve gone from the screen to your surroundings. READ MORE...
[Read more...](https://www.apartmenttherapy.com/best-tiktok-diy-trends-2023-37360104?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

2 viewsRSS Bot - Chat automation, 17:30

*ТЕСТ: Какой образ на Новый год вам подойдёт?*

Мнение Деревянного Дракона о том, в чём лучше встречать 2024-й, в этом тесте не учитывается!
[Read more...](https://burninghut.ru/special/obraz-na-2024-god/?erid=LjN8KQGb3/?utm_source=lifehacker.ru&utm_medium=referral&utm_campaign=teaser&utm_content=/special/obraz-na-2024-god)

2 viewsRSS Bot - Chat automation, 17:30

*This Free App for Movie-Lovers Is Like Goodreads but for Movies*

Now is a good time to start thinking about your four favorite movies. READ MORE...
[Read more...](https://www.apartmenttherapy.com/what-is-letterboxd-37358786?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

2 viewsRSS Bot - Chat automation, 17:31

*2023 housing market: Surging mortgage rates leave homebuyers struggling for affordability*

2023 was a tumultuous year for the housing market, with record high interest rates and low inventory which left homebuyers struggling for affordability. Danielle Hale, chief economist at realtor.com, joined TheStreet's J.D. Durkin to recap the wild year that was in real estate.Full Video Transcript Below: J.D. DURKIN: Let's talk about the very difficult year that was in 2023 for the U.S. housing market. Break it down for us. What were some of the biggest challenges facing the market throughout this year? DANIELLE HALE: Yeah, so the number one challenge in the housing market in 2023 was higher mortgage rates. We started the year right around 6% after a reprieve from mortgage rates that had been higher at the end of 2022. Then things kind of looked bright. But then throughout the year, we saw mortgage rates climb to new highs nearing 8%, according to the Freddie Mac mortgage rate index and surpassing 8% by some other mortgage rate tracker. So it's been a tough year for homebuyers because those higher mortgage rates mean less affordability for the housing market. And as a result, existing home sales tumbled as buyers found it challenging to make the math of buying a home work. So it was a tough year for home sales. Home prices maintain a surprising amount of resilience throughout the year, but overall, housing market activity was slower as affordability was the top challenge. J.D. DURKIN: Danielle, remind me what percentage of homeowners who have a mortgage are locked in to rates below at or below, let's say even 6%, just a bit lower. But that's a big gap from where we've been over the course of the better part of the last year. DANIELLE HALE: Yeah, so the most recent data showed that more than 90% of current homeowners have a mortgage rate that's under 6% So a vast majority is under current mortgage market rates. And then if you look another 2/3 or so have mortgage rates that are under 4%. So there are a lot of homeowners whose cost of funds right now, based on their existing mortgage, is much lower than where current market rates are and even actually lower than where we expect they're going to be moving into 2024.
[Read more...](https://www.thestreet.com/video/2023-housing-market-surging-mortgage-rates-leave-homebuyers-struggling-for-affordability)

2023 housing market: Surging mortgage rates leave homebuyers struggling for affordability

Danielle Hale, chief economist at realtor.com, joined TheStreet to recap the wild year that was in real estate.

2 viewsRSS Bot - Chat automation, 17:31

2023 housing market: Surging mortgage rates leave homebuyers struggling for affordability

2023 was a tumultuous year for the housing market, with record high interest rates and low inventory which left homebuyers struggling for affordability. Danielle Hale, chief economist at realtor.com, joined TheStreet's J.D. Durkin to recap the wild year that was in real estate.Full Video Transcript Below: J.D. DURKIN: Let's talk about the very difficult year that was in 2023 for the U.S. housing market. Break it down for us. What were some of the biggest challenges facing the market throughout this year? DANIELLE HALE: Yeah, so the number one challenge in the housing market in 2023 was higher mortgage rates. We started the year right around 6% after a reprieve from mortgage rates that had been higher at the end of 2022. Then things kind of looked bright. But then throughout the year, we saw mortgage rates climb to new highs nearing 8%, according to the Freddie Mac mortgage rate index and surpassing 8% by some other mortgage rate tracker. So it's been a tough year for homebuyers because those higher mortgage rates mean less affordability for the housing market. And as a result, existing home sales tumbled as buyers found it challenging to make the math of buying a home work. So it was a tough year for home sales. Home prices maintain a surprising amount of resilience throughout the year, but overall, housing market activity was slower as affordability was the top challenge. J.D. DURKIN: Danielle, remind me what percentage of homeowners who have a mortgage are locked in to rates below at or below, let's say even 6%, just a bit lower. But that's a big gap from where we've been over the course of the better part of the last year. DANIELLE HALE: Yeah, so the most recent data showed that more than 90% of current homeowners have a mortgage rate that's under 6% So a vast majority is under current mortgage market rates. And then if you look another 2/3 or so have mortgage rates that are under 4%. So there are a lot of homeowners whose cost of funds right now, based on their existing mortgage, is much lower than where current market rates are and even actually lower than where we expect they're going to be moving into 2024.
Read more...

2023 housing market: Surging mortgage rates leave homebuyers struggling for affordability

Danielle Hale, chief economist at realtor.com, joined TheStreet to recap the wild year that was in real estate.

2 viewsFormato a Mensajes, 17:31

From the AskReddit community on Reddit

*What phrase needs to die immediately?*

submitted by /u/PeevesPoltergist to r/AskReddit [link] [comments]
[Read more...](https://www.reddit.com/r/AskReddit/comments/18srrdp/what_phrase_needs_to_die_immediately/)

Explore this post and more from the AskReddit community

2 viewsRSS Bot - Chat automation, 17:47