Dave Ramsey quotes are inspiring to get out of debt. Being debt-free is one of the most freeing feelings I’ve experienced. It allows you to make decisions without having to include the pile of debt in the equation. There’s still bills to pay, but it’s great when your finances reflect the decisions of today and not of years ago.
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These Dave Ramsey quotes focus on the debt and the motivation to pay off debt.
1.”There are no short cuts when it comes to getting out of debt.” – Dave Ramsey
We’ve all been there where we want the easy button – from money and diets to success. But there is none.
2.”You can’t be in debt and win. It doesn’t work.” – Dave Ramsey
When we’re in debt, we’re not as free to put our money where we want it to go towards.
Click here to get these budget printables to help in your quest to be debt-free.
3.”Debt is normal. Be weird. “– Dave Ramsey
Debt has become such a part of our American economy.
4.”You can’t get out of debt while keeping the same lifestyle that got you there.”– Dave Ramsey
This is where the mindset comes in, because we know what we need to do, but it’s difficult. When we were paying off our debt, we were working hard at our jobs and raising kids.
We were tired when we got home and it was very difficult to not fall into the trap “We deserve to eat out since we’ve been working long days and then switching to our parent hats when we’re not at work.” This was our biggest obstacle was not eating out. It was unbelievable what we were spending once we calculated it. We had been rationalizing why we did, but at the end of the day, we were spending way too much.
5.”Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment…a house without a mortgage…a student without a loan…and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.” – Dave Ramsey
It takes planning and commitment to pay cash for a car. When you don’t have a car note, you have to put that money aside so that when you need to buy a car, it’s there.
6.”Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.” – Dave Ramsey
Credit cards and debt are such a part of life, it’s difficult to imagine not having it.
7.”Debt is not a tool; it is a method to make banks wealthy, not you.” – Dave Ramsey
The interest associated with debt is often overlooked. Take a look at your loan for a car or house. While you thought the price was $x amount, it’s eye-opening to see what the total payments which include interest really is.
Motivation about Debt Quotes
8.”You need some quick wins in order to stay pumped enough to get out of debt completely.” – Dave Ramsey
Seeing success in paying debt down is rewarding and gives us that extra willpower to continue on the path.
9.”Change! If you keep doing what you’re doing, you’ll keep getting what you’re getting.” – Dave Ramsey
This is so true in multiple areas of our life. If we want different results, we need to do different things.
10.” Debt has become a part of who we are.” – Dave Ramsey
We have the ability to change this.
11.”You must gain control over your money or the lack of it will forever control you.”– Dave Ramsey
We need to change our mindset about when we buy things.
12.”You can buy fun, but you can’t buy happiness. Don’t get them confused.” – Dave Ramsey
This is so true. Happiness doesn’t come from having money. It’s something from within us that determines this.
13.”Poor is a state of mind. Broke is, “I’m just passing through.”” – Dave Ramsey
There’s that mindset thing again.
14.”The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.” – Dave Ramsey
Being in debt limits what your options are in life. If you’re unhappy at work and you have a ton of debt, you have to really weigh the decision of if you can change jobs or not. Taking a lower salary may not be as easy unless you change your lifestyle. Having the luxury of being debt-free, reduces stress.
15.”If broke people are making fun of your financial plan, you’re on track.” – Dave Ramsey
You have to change your lifestyle to pay debts off and save for those things important to you. It may mean declining an invitation to a party, but there are many other ways you can socialize with friends and family for less money. Find ways to have inexpensive fun with others in this article Frugal Ways to Hang Out with Family and Friends.
Use these Dave Ramsey quotes to help you stay focused on your journey to financial freedom. You can learn more about Dave Ramsey by clicking here.