Dave-Says-Jan-23-all-mags

Hope Is a Good Thing

What is the main difference between people who follow your plan, stick with it and succeed, and those who fall off along the way? I’ve walked with thousands of families through financial problems. Some of them were just speedbumps that needed to be smoothed out, while others seemed like mountains. The biggest factor I’ve noticed […]

Dave Ramsey Dec 22

Is It Okay to Hide Money From My Spouse?

After hearing you talk about financial infidelity, I have to admit that I hide money from my husband. I have been setting aside money for emergencies without his knowledge. He is not terrible with money, but he always seems to find something to spend it on. Before I started doing this, we never managed to […]

Dave Says November 22

Cutting Costs During the Holiday Season

We’re doing our best to stick to our cash Christmas budget this year. Are there any traps to avoid, and do you have other advice on ways we can cut costs during the holiday season? If you’re getting out of debt, the phrase “extra money” probably isn’t even in your vocabulary. Regardless, stores will do […]

loan-or-gift-from-dad-says-dave-ramsey

Is It a Loan, or Is It a Gift?

We have $15,000 in credit card debt. My husband works very hard, but only makes about $25,000 a year. We’re also living in a very old trailer right now, and I stay at home with our newborn. My dad told us he is willing to pay off our debt if we agree to get financial […]

dave ramsey

Pay Debt

Is debt consolidation a good way to get out of debt? No, it’s not. Debt consolidation companies try to position themselves that way, but they don’t even come close to addressing or solving the real problem. Here’s the big reason debt consolidation isn’t a good idea. It makes you feel like you truly did something […]

Dave-Says-August-22 (1)

Should I Buy a Hybrid to Deal with Gas Prices?

Do you think I should get a new hybrid car to save money on gas? A lot of my friends have done this, and with the rise in gas and oil prices lately, they’re telling me I should, too. According to them, I’ll save a ton of money, especially since I have a bigger car […]

Dave Says July 22 all mags

These Debt Reduction Strategies
Are a Bad Idea

I’ve been seeing lots of ads lately for debt consolidation companies, debt settlement companies and the HELOC. Are any of these methods for reducing debt a good idea? No. These are all bad ideas when it comes to getting out of debt. There’s a lot of buzz these days surrounding all the “quick” and “easy” […]

dave-says-teen-pay-rent-may22

I Wouldn’t Go That Far

Our son is in high school, and he has a part-time job. He makes good grades, and we have always tried to teach him how to save and handle money according to your advice. He has even managed to set aside a few thousand dollars for college. My wife and I were talking the other […]

dave-ramsey-april22

Date Night Can Be Inexpensive AND Fun!

We’re trying to get control of our finances by living on a budget. We also have about $18,000 in debt we are trying to pay off. My husband brings home $3,400 a month, and I am currently taking care of our eight-month-old baby. We would like to have a date night once a month, and […]

Dave-Says-March-22-all-magazines (2)

Where Should My Child Park His Money?

Our son is 13, and he has been doing some part-time work for a friend of the family. He makes $40 to $60 a week, and he would like to begin investing the majority of what he earns. Do you have a suggestion? Well, here’s the thing. At this point in his life, the goal […]