Howard Dvorkin
Howard Dvorkin
Howard Dvorkin is a CPA, author, national columnist, and founder of the nation’s fourth-largest credit counseling agency. He has controversially advocated a cash-only lifestyle without credit cards...
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There's no pain involved when you pay with plastic. But there is some pain when you go out and you have to part with cash. You worked hard for that green stuff, and you aren't as apt to spend it.
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Everybody has 15% to 20% of fat in their budget.
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Most people don't budget properly because they're not taught to. There are no courses I know of, especially in the high school level. A lot of families purposely don't talk about finances; I think that's extremely detrimental.
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I question what they are going to take away from the briefing portion. They're there just to jump through the hoop to file for bankruptcy. They're not there because they want to be there.
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For many of these people, this could represent the most time they've ever spent in their lives focused on their personal finances.
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In a person's budget, there's about 15% fat that they can get rid of without really feeling it.