Plastic Surgery

"Plastic surgery" is Dave Ramsey's way of saying cut up all the credit cards. This is another area that is challenging for most of us normal people. For me it is a sense of security and although we don't use them now, we have in the past thus we must do operation.... We use them as a crutch when really the emergency fund should be what we use in... well an emergency! So cut them up if you have them. You don't encourage recovering alcoholics to hang out in a bar, or a pill head hang out in a pharmacy so use common sense here people. Git rid of the plastic.....

Yes, this is what's left after plastic surgery, however not all of these cards had debt on them. They all went through the shredder, and accounts were closed!!!!