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Archive of Dave Says - Weekly Financial Blog
- Help Your New Year’s Resolutions Stick
Making a resolution to stick to a budget plan has great intentions. Knowing how to make and stick to that plan may need the help of an accountability partner!... more
- There Are Better Options
Is a VA Loan Right for You? Dave has an opinion on that... more
- Hope is a Good Thing
Failure is not permanent. It is natural and normal to experience. However, don’t let failure in the past stop you from achieving your financial goals.... more
- Protect Against Inflation?
The best way to protect yourself against inflation is to invest your money. Read Dave’s other tips.... more
- The Zero-Based Budget
Do you know where every dollar you earn goes on a monthly basis? Dave explains how you make every dollar you earn work for you!... more
- Think of an Emergency Fund as Insurance
Emergencies have a negative financial impact on your life. Having an emergency fund is how you cover that emergency without going into debt.... more
- Teaching the Value of Work
Teaching your child good work habits is just as important as good health habits. It is not child abuse.... more
- And Baby Makes Three
Babies are not that expensive, but it may make sense to put a pause on your plans for paying down debt until you have a firm grasp on your new budget.... more
- If You Need a Co-Signer, You’re Not Ready
If a bank requires a co-signer on a mortgage, you are not ready to buy a home. Dave provides advice on what you should be doing before you buy a home.... more
- Make an Impact With Investing?
Is impact investing right for you? Dave explains what it is and his thoughts on it.... more
- Should I Tithe on My Business?
Do business tithe or just individuals? Dave provides some insight on his belief.... more
- Borrow Your Own Money?
Dave is not a fan of whole life insurance. Here’s why.... more
- They'll Play on Your Emotions
It is your legal and moral obligation to pay your debts. However, you do not have to put up with a debt collector’s lies and harassment.... more
- Honesty Matters
Don’t do anything you can’t tell your wife about including loaning your mother money.... more
- Bless Them, Don't Enable Them
Having adult children who do not use money wisely can be a challenge for you when you determine your will. Here are some tips for having a frank conversation with them.... more
- On the Job Training
Serving your customers doesn’t mean you are subservient to them. Be proactive and care about your clients.... more
- Clean 'Em Out, And Move Ahead!
The shortest distance between you and wealth is becoming debt-free and taking control of your largest wealth-building tool—your income.... more
- Put Your Education First
Paying cash for your education in a usable field should be your priority before saving for retirement.... more
- Keep The Homeowner’s Insurance
Having Homeowners Insurance is good risk management.... more
- Smallest to Largest
When attacking your debt, Dave recommends using his debt snowball. Pay off your smallest debt first. Then, pay off the next bigger debt.... more
- You’re In Good Shape Either Way
Being a landlord isn’t for everyone. It boils down to personal preference.... more
- More Than Any Amount of Money
Dave discusses having a child while you are still working to be debt free.... more
- Good News and Bad News
Should you build or buy a multi-family home so that you can live in one unit and rent the other for added income? Here is what Dave has to say.... more
- Live Like the Money Isn’t there
Stay away from debt, live on a reasonable budget and make sure you are putting 15 percent of your income away for retirement.... more
- Examining the Debt Snowball
According to Dave Ramsey, getting out of debt is 80% behavior and 20% knowledge. Learn how Dave uses the Debt Snowball to help you get out of debt... more
- Help Her Get Back Out There
Helping a child get back on their feet after loosing a job and apartment should come with requirements set by you while providing understanding and support.... more
- Obstacles and Answers
To change your financial situation, you need to be willing to admit that what you have been doing is not working.... more
- Getting Started
What are Dave’s Baby Steps? Here is a brief explanation.... more
- Not Really an Emergency
Don’t get tempted by dipping into your emergency fund to pay off the balance on you home. Keep your emergency fund for 3-6 months of expenses.... more
- It’ll Work Out Better in the Long Run
Get rid of all your debt except your mortgage and have an emergency fund fully funded before you consider funding your investments.... more
- Are You Willing To Do What It Takes?
You do not want the debt on all your vehicles to be more than half of your annual income. Pay them off quickly if you have the discipline to keep to a strict budget.... more
- You May Already Have Some
You acquire life insurance if those you leave behind will miss your income. Based on the circumstances, sometimes a simple burial insurance policy is the best bet.... more
- Raise Them To Become Great Adults
It is not too early to teach young children about money. See why Dave believes it teaches them responsibility, patience, generosity and wisdom.... more
- It’s Just Not Worth It
Better miles per gallon of gas is not a great reason for going into debt on a new car. Dave recommends doing some research.... more
- Limit the Potential for Damage
“Don’t put your eggs in one basket" also applies to your retirement savings.... more
- Planning for Future Purchases
Putting money into you budget for future purchases is the smart move. Waiting until something goes wrong can put you in a financial mess.... more
- Mortgages and Baby Steps
Make buying a home a blessing and not a financial curse by following Dave’s suggestion for determining when to buy a home.... more
- Put a Little More Thought Into It
Deciding you hate your job is not a reason to start our own small business. You also need to know what would make you happy? Know what you want before going all in.... more
- Don’t Embrace the Wrong Things
When it comes to money, many people do not think they have a problem and therefore cannot change their mindset.... more
- Do Some of All Three, and Enjoy the Ride
What are the 3 good uses for money? Dave explains what they are and how to use them.... more
- First, Define Long Term
Where to invest your money is always a concern. How long and what type of investment is important.... more
- There Are Other Ways
Having no credit history does not totally preclude you from getting a mortgage. See what Dave Says.... more
- Don’t Let Budgeting Myths Sabotage Your Finances
There are no excuses for not budgeting. Learn how to make it your financial game plan for your future.... more
- Only You Can Make It Happen
Setting realistic goals start with you taking ownership of the goal. Here are some tips for setting and achieving your goals.... more
- Hope Can’t Be Taken From You
Losing your job around the holidays is stressful. Here are some tips on finding a new job and handling your finances... more
- Patience, Determination…and Time
Does setting up a budget and living on it frighten you? Dave gives some tips for helping you to do it successfully.... more
- Get Dialed In
Following Dave’s Baby Steps will not only get you out of debt, but will teach you to manage your funds and make you wealthy.... more
- Will My Mother-In-Law Be Okay?
Concerned that a loved one has not retirement savings? Ask if they’d like to talk about it. They may have a plan that you are not aware of.... more
- Taking the dread out of budgeting
Budgeting doesn’t need to be torture. A little planning, communications and some basic math will go a long way. Here are some easy tips to help.... more
- Relationships and Giving
Should you help a family member in debt? Dave gives his advice on how to handle that.... more
- Saving for a Car
Dave Says not to put the money you are saving for your next car in a Mutual Fund. See what he recommends.... more
- Jump in
Thinking about looking for a new job? During an interview, you are interviewing the company as much as the company is interviewing you. Make sure they are the right fit for you.... more
- Idea Behind the Legacy Drawer
Where do you keep your important papers like your will, insurance policies and property papers? Learn how Dave recommends you keep these and other important documents.... more
- Try to Help Him, But Move Slowly
Getting ready to get married Are you and your significant other on the same page when it comes to finances? See what Dave Says.... more
- Handling Debt Collectors
If you have debt, you have a legal and moral obligation to pay it. However, if you make a mistake, you should not be abused or intimidated by debt collectors. Know your rights.... more
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