About 15 years ago I took Dave Ramsey's Financial Peace course. HIGHLY RECOMMEND! Unfortunately it didn't do much good but there are times when something he says flashes back into memory. One is NEVER EVER charge! That one took a while but I did get rid of all the credit cards...because those people are EVIL!
This just popped into my memory so I want to do something with it.
Another major NO- NO is cosigning for ANYONE... DO NOT DO IT! He mentioned that we so quickly read over scripture not really comprehending what it is actually saying... He had done that with Proverbs 6:5 until he saw some nature show of a gazelle trying to escape the hunter. He noticed that you don't just take that mildly, but you get the heck out of dodge! Get as far away from it as possible, or it will kill you!
Here is the scripture in context and then a video of a gazelle. VERY COOL visual!
If you have shaken hands in pledge for a stranger,
2 You are snared by the words of your mouth;
You are taken by the words of your mouth.
3 So do this, my son, and deliver yourself;
For you have come into the hand of your friend:
Go and humble yourself;
Plead with your friend.
4 Give no sleep to your eyes,
Nor slumber to your eyelids.
5 Deliver yourself like a gazelle from the hand of the hunter,
And like a bird from the hand of the fowler.[a]