Archive of Dave Says - Weekly Financial Blog
- Healing Comes First
You can only go so far trying to help a relative facing personal financial problems.... more
- Unauthorized Subletting
How should you deal with a renter who's clearly violating their lease? Dave says you need to be stern.... more
- RV Upgrade
If you've been able to set aside significant savings, but also want to spend some serious cash on a purchase, consider using some of your savings along with a timely plan of additional savings to achieve your goals.... more
- You Need Something That Matters
If you're looking for motivation to start saving money, Dave says perhaps you should look inward.... more
- Stand up to Them
Collection agencies must follow certain laws pertaining to debt collection.... more
- Thinks He's a Dreamer
Don't dive in to a dream with full force until you have something to back it up with.... more
- Big Debt On An Old Car
Cosigning on a loan, especially with family, is never a good idea.... more
- Don't Give a Flighty Explanation
Knowing someone in the field your are looking in can greatly boost your chances on obtaining the position your are leaning towards.... more
- Bankruptcy Aftershocks
If you're considering bankruptcy to re-organize your debts, think twice because there are several long term issues.... more
- Save Extra Instead
There is something you can do when insurance companies will not cover your child because he has a life threatening condition.... more
- Stay with the Bank
Should you have all your savings, checking and loans with the same bank? Dave says there are a few times this is not a good idea.... more
- Budget Together!
It's time for an exercise in how to budget, and how not to budget.... more
- An Ounce of Prevention
When our children start to enter the workforce we, as parents, need to teach them financial responsibility. If we can teach them to be givers, savers and wise, careful spenders as children, they won't be financially irresponsible adults later!... more
- Stick With Mutual Funds
Bonds and why Dave is not much of a fan.... more
- Display a Kind Spirit
Family should always stick together in times of need. But be tactful when approaching people with financial obligations. Things can go south real quick and cause more harm than good.... more
- Church Pushback
If you find your church is always hitting you up for money, there are some questions you should be asking.... more
- Do No More Damage
Love and marriage go together, but be careful not to mix in added debt. Here's what Dave says.... more
- Out of step with the Baby Steps
If you're following Dave's Baby Steps to financial security, it's important not to skip and of the steps. Here's an example.... more
- Mortgage or Save?
If you're debt free, when is it the right time to borrow for a new home? Dave has the answer.... more
- God is Whispering to You
If you are due money from a class action suit, but you don't want it, what are your options? Dave has the answer.... more
- Car Debt
If your cars are bringing your bottom line into the red, it's to to say goodbye to your four-wheeled friends.... more
- Difference in Debts
Is there a difference between borrowing for a car or borrowing for a house? Let's see what Dave has to say.... more
- Bicoastal is for the Birds
If your spouse is on one coast while you're working on the other, you need to look at the finances and see if they are more important than being together.... more
- What's the Goal?
Is it right to spend mega-bucks for specialized athletic training for your children? You need to ask yourself some tough questions first.... more
- Making Grown-up Choices
IS it OK to spend some cash on yourself for fun things even though you have unpaid bills and shaky credit? Dave says no way!... more
- Pay for Grades?
What are the pros and cons of paying your children for receiving good grades at school?... more
- Investment or Debt?
- Different Brokers, too?
Dave answers a question on diversifying not just in mutual funds but brokers too?... more
- What does it Mean?
Dave gives the definition of the right of first refusal when it comes to a property.... more
- The Money's Ahead of You
When considering marriage, be sure to be on the same page with all of your financial matters.... more
- Help? Not Yet
When it comes to our kids, bailing them out of a financial mess does not help them in the long run.... more
- Doing Without
If your family is looking for a single step to help save money it's simple. Say no to dining out and yes to making meal time family time at home.... more
- The Problem With Being Impulsive
Credit card, debit card, or cash. Three choices how to spend your money and why cash may be the best way to help curb impulse purchases.... more
- It's a Better Idea to Pre-plan
When you start thinking about your own inevitable funeral, pre-plan the details, but don't pre-pay. Here's why.... more
- Serious About Getting Out of Debt?
Before you start carrying around extra spending money, make sure you're staying within your overall budget.... more
- A Waste of Money?
Home warranties, something you probably don't need.... more
- It Shouldn't Take a Year
- Before you start investing, clean your financial slate and become debt free first. Here's why.... more
- It's a Smart Buy!
When you're looking at ways to save on car insurance, make sure NOT to drop collision coverage. Here's why.... more
- Generating Passive Income
If some extra income is on your mind through passive income, we need to explain exactly what that is and how to do it.... more
- On the Road Again?
Before opening your own business, there's a question beyond the economics. Will it make you happy?... more
- Where's the Safety Factor?
Gold may glitter like no other substance, but is it still something to bank on when times go bad?... more
- Who's the Boss?
Want an easy way to budget your money? Here's a great plan from Dave.... more
- Making Changes
If you're looking for a way to get your financial life back under control, Dave has a very simple way to do it.... more
- Drop the Arrogance!
Unless someone is accountable for their actions, you are doing them more harm than good by giving in to their requests, financial or otherwise.... more
- Umbrella Policy?
If you are doing well and you have some extra money, it's a good idea to have the extra umbrella liability policy attached to your insurance policy.... more
- Be the Dad!
When it comes to teens and finances, teaching them the hard way may not be the most popular with the teen, but it will give them the best shot for a productive future.... more
- Sharing and Planning as One
It is vitally important that financial decisions are made by husband and wife together - as one.... more
- Honeymoon on a Budget
If you're thinking about financing a honeymoon on a credit card, don't! Here's the reasons why and some suggestions.... more
- Trying to Help a Friend
We have some thoughts on how to help a flighty friend with financial issues.... more
- You Need an Umbrella!
When falling into crisis mode after losing your income be sure to prioritize your payments for survival but keep good faith with your creditors by informing them of your plans.... more
- An Unlikely Thief
Especially when dealing with children, utilize wrong doings as teachable moments and follow through with what you are saying.... more
- Wedding Bells Times Three!
Before you start setting aside bucks for your young daughter's future wedding, perhaps her educational needs should come first.... more
- Protecting Her From Herself
Here's some thoughts on how to address parental inability to handle their own finances. It's tricky.... more
- Reward Her Good Choices
IF you have a child that has finally becoming responsible with money, it's OK to help them out once and a while.... more
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