Thank you!
I've never heard Ramsey, but i have heard a lot about him here, so I might.
As per keeping cc, I am for now (Master is long gone) because I do not have adequate savings. Just 2k. I want 6 months of income in the bank. ... but that is another series of objectives, 2k will have to suffice for now.
Anyway, two of my shirts and 3 of my shoes dye down on my in the last 2 weeks... so I need to do a little spending there.