![]() ![]() His logic makes sense in that you shouldn't buy things in bulk if you don't think you can use them up in time. And if you end up throwing away a portion of your bulk haul, you won't end up saving money - if anything, you'll be setting yourself up to lose money. The logic is that these items are likely to spoil before you get a chance to consume them, so buying them means taking a risk. Ramsey writes that it's best to avoid buying perishable groceries in bulk, such as fruits, vegetables, and dairy products. Ramsey's bulk buying rules make sense, but only for some consumers ![]() But we may differ slightly in our approach. We both think it can lead to a nice amount of savings. Not surprisingly, Ramsey and I also don't fully agree on the strategy of buying groceries in bulk. I think it's important to have solid credit because you never know when you might need money in a pinch. Ramsey also thinks that consumers don't need to bother having a credit score, or a good one, because ideally, they shouldn't be borrowing money. That way, you can rack up cash back in the course of buying the things you need. I happen to think credit cards can be a very helpful and financially rewarding tool when you pay yours off in full every month. ![]() Ramsey, for example, commonly tells consumers to shun credit cards and never use them. Check out our pick for Best Cash Back Card of 2022įinancial expert Dave Ramsey and I don't always see eye to eye on personal finance matters. ![]()
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