So, like Dave Ramsey says ... you play with snakes and you get bit. Even the severed head of one can mean big-time trouble. Don't believe me? Then believe this, bub ... it's a snake game to end all. Some joe in Washington state used a shovel to bump off a rattlesnake this week, cutting its head off. He reached down to pick the head up, and it curled up and bit him. He went to the hospital, got the venom shots ... the whole nine.

Just goes to show. Even a little bit of exposure to stupid can hurt you. Even if you want to use a credit card and pay it off at the end of each month, all it takes is one lost payment in the mail for MasterCard or Visa to take you to the cleaners. If you take a 90 days same-as-cash deal, you'll forget the payoff date and they'll backcharge you, baby. Don't be a sucker. Save money and stay away from debt.