Ramsey's advice in that area sucks too. He is 100% against the use of any credit card by anybody "nOboDY hAs EveR beComE a MiLLioNaiRe wiTH PoinTs!!" and claims that using cash only "activates the pain sensors in your brain." I get 1.5% cashback from paying my ENMAX bill with my credit card and 1% CT Money back from paying property taxes with a credit card. Fixed expenses that must be incurred and cashback that I wouldn't be getting if I used cash. I don't spend more on my property taxes or utilities just because I pay these bills using a credit card. Dave Ramsey is also horribly preachy - he's essentially a sleazy televangelist masquerading as a personal finance "expert."
Gail Vaz-Oxlade (mentioned earlier) is a much better option, although the production values on some of her shows (the spinning dollar sign graphics
) are pretty amateurish. Her advice is pretty much spot-on for those who have issues managing debt and it's a Canadian show. Some personal finance books that I really like are "The Wealthy Barber Returns" by David Chilton and "Millionaire Teacher" by Andrew Hallam.