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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 […]

Dave-Says-August-22

Should I Buy a Hybrid to Deal with Gas Prices?

Q. 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 […]

Dave Says July 22 all mags

These Debt Reduction Strategies Are a Bad Idea

Q. 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? A. 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” […]

Dave Says all mags June 22

Teach Them, Don’t Enable

Q. My younger brother and his wife did their taxes last month and learned they owe $15,000 to the IRS. I love them both, but they are extremely irresponsible with money. I know they have a lot of credit card debt, too. I am debt-free, including my home after following your plan, and would like […]

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 (1)

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 […]

Dave-Says-Feb-22 (4)

A Sacrifice Will Be Required

Q. I bring home about $2,800 a month, and our mortgage payment is $1,100. We have been forced to take money out of our savings account occasionally over the last year or so to help pay the bills. My wife loves being a stay-at-home mom with our two preschool kids, but even she is talking […]

DAve-Says-Jan-22 (1)

Help Your New Year’s Resolutions Stick

Q. I thought I was going to get control of my money and make a lot of other positive changes in my life in 2021, but very few of the things I wanted to accomplish happened. I started strong, and began with serious intentions, but somewhere along the way I lost focus. Can you give […]

Dave-Says-Dec-21

How Can I Stop Being Strapped for Money?

I have a good job and make pretty good money, but I’m tired of always worrying about my finances and being strapped for cash at the end of the month. I’ve heard you talk about getting out of debt and living on a zero-based budget, but what exactly is a zero-based budget? The concept of […]

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