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If you need a real-life example, I can explain how the emotional struggles and issues in my life have shaped who I am, but I think my point is clear.
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There are few job markets that are hiring right now but I do know the medical field is fairly solid right now. A transmission could go out, an out of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick.
I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. 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 it like a grain of salt and pay no attention to my advice.
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Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts. I would pull a credit report to what you have going on.
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