I read this in the wee hours of the night last night. I did something to my lower back so couldn’t do much of anything but lie there, so figured it was a good time to read it.

 I’m still mostly following Dave’s  plan, but Mary Hunt also has some good things to say. For the most part, they say a lot of the same things. Perhaps far in the future I’ll allow myself that one credit card, but I don’t know. I’m probably best off without one at all and using debit cards for renting cars and such. Even though they usually put some money on hold, if I have my accounts set up the way they should be it won’t be a problem.

 I also disagree about student loans. I’m still paying mine, and it’s a pain in the butt. However, I don’t regret getting it, I regret not paying it off sooner. For me, college was more than just getting a degree. It’s a cliché, but I learned a lot more in college than just history and other subjects. Plus, I went to a very small liberal arts school that cost more than the state universities but allowed me to do so much more than I could have done at the big schools. I do what I do for a living now because I had newspaper experience in college and learned design, etc. I never would have been editor-in-chief at the a big state school, as they usually require that you are a journalism major.

However, I like her general views on debt and how freeing it can be to live without it. I also really like the Freedom Account and will be putting that into practice after my debt snowball and $10k in savings are in place. I do like Dave’s idea of paying down debt first and then funding other items as it will get that darn debt out of the way, but I have decided to put whatever raise is coming to me into my retirement plan at work as I don’t like the idea of contributing nothing.