Debt

After the hoopla over the debt ceiling is now officially over and there couldn’t be any adverse effects on the poor, but thank goodness the armageddon that we imposed on ourselves and then averted–good work, Superman!–is no longer a threat, we can go onto other stuff: like petty politics!  If you just can’t get enough,…

Imagine that you have about $35,000 in available credit.  You’ve taken a Dave Ramsey course and have reduced your debt to under $10,000.  You give yourself some room to maneuver, imposing on yourself a $15,000 limit because you don’t want to get yourself in trouble again as you try to bring that number down. But…