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Currently Browsing: Dave Says 5 articles

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 […]

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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 […]

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Dave Says… Pay Debt?

Is debt consolidation a good way to get out of debt? Here’s the big reason debt consolidation isn’t a good idea. It makes you feel like you truly did something to change your whole financial outlook when you

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