Sigh. While DH and I are on the same page about wanting to be debt free we are not on the same page about how to do it. We have 3 years left on a consolidation loan and I told my DH I would not be taking out another one. He has now indicated that when this one is done that hey we should get another. I have indicated that I want all debts paid off and his comment is, "Everyone else is in the same boat." He doesn't get it. He thinks Dave Ramsey is a joke but this is just not working. Part of the problem is that he is materialistic and keep up with the Joneses but goes around saying I am. I find this really very frustrating. Any advice?
Doesn't sound like you are on the same page at all about debt. Except maybe that he is at least apparently willing to wait before taking on more debt, rather than just piling it up and up and up.
I wonder if he has a mistaken assumption about Dave Ramsey's plan. Dave Ramsey is plenty materialistic. He has a lot of money and he likes it. He drives expensive cars. The difference is that he did it debt-free, paid cash.
If your husband is materialistic, he might appreciate Dave's motto: Live like no-one else, so that later you can live like no-one else. Translation: if you tighten your belts today and pay it all off and save up, when you do, you'll have money coming out your ears and be able to buy all the toys you want with cold hard cash. You can buy MORE toys because you won't constantly be in debt and paying interest up the wazoo for everything. Live like the Jones's? No way, make the Jones's wish they lived like you. That's Dave Ramsey. He is not advocating living the simple life for the long term. He wants you to get your material rewards.
If you're like me, you don't have grand plans for big houses and cars and such, and would be content living simply. But my advice to you is to play up Dave Ramsey's goals as described above. The sacrifice is temporary, and then the party is ON.