re: Dave Ramsey

quote:

---

I use Mint for my monthly budgets It requires more discipline because you aren't using the envelopes imo I also put almost all purchases and expenses on credit cards which I know Dave wouldn't allow

---

I do the exact same thing and usually I get a couple of free flights per year from my points for the entire family. I think Dave wouldn't suggest this is because there are a lot of people who aren't disciplined enough to pay the entire balance off every month without incurring interest.

I've been doing this for about five years or so now and never had an issue. I use Mint to track all my spending and make sure everything is in line and charge almost every purchase we make on my Chase Sapphire Preferred Card.