We here at CreditBoards recognize that there is no "one size fits all" method to effectively manage one's finances. Many financial "experts" out there sell advice on money management, and some are even very successful. At CreditBoards, our policy is one that endorses financial restraint, responsibility, and the wise and responsible use of credit.
In today's world, living a life without credit is simply impractical and not cost-effective. Whether it is problems renting a car, higher car insurance rates, or a sub-prime mortgage, those with poor or no credit standing are forced to pay extra. Perhaps in a perfect world, this would not be the case, but it is the world we live in today.
As a result, CreditBoards cannot and will not endorse any financial or money management system that advocates the complete and universal elimination of credit from one's life. We run this site as a service to our members, to help others learn the lessons that we ourselves learned. We can no longer in good conscience allow poor financial advice to be posted on this board without taking action; such advice can cost our members additional money and undo months or years of hard work. Therefore, posts containing such advice may be moderated at the discretion of management, and posters who made a habit of posting such advice may be subject to warnings, moderation, or even banning. We will not allow CreditBoards to be used as a device to distribute bad financial advice and information.
ANNOUNCEMENT: The official CB policy on "no credit" financial advice
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