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A transmission could go out, an out of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick.
I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
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