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Not restricted by other people's opinions and carefree. If your that person, feel free to email me. One of the things that make a relationship and happy is being good stewards of your money. I follow the Ramsey financial philosophy and I have done well.

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And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.

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Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take Single tatted Brilliant male like Woemn grain of salt and pay no attention to my advice.

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