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Archive of Dave Says - Weekly Financial Blog
- Having a Great Christmas on a Tight Budget
We hope you enjoy receiving these helpful financial, career, lifestyle, and business articles from Ramsey Solutions Syndicated Content. Additional author images are available upon request.... more
- Love Them Enough to Teach Them Well
Dave talks with a woman who believes her teenage children should work and learn how to handle money even if their father disagrees.... more
- Let’s Shift the Focus
If you are stuck with a big student loan debt, Dave recommends putting large chunks of money on the principle of the loan to work it down. That might require you to have more than one job.... more
- Practicing Contentment This Holiday Season
Stay stress-free during the holidays with these tips: set healthy boundaries, stick to a budget, prioritize generosity, keep a gratitude journal, and talk about contentment with family. Enjoy the magic without the pressure and overspending.... more
- Pull From Stocks and Put Toward Mortgage?
Dave says follow the Baby Steps and any non-retirement savings above your emergency fund should go towards paying off your mortgage.... more
- Don’t Put All Your Eggs in One Basket
Why you should not have more than 10% of your net worth wrapped up in single stocks.... more
- It’s Not a Joint Venture, It’s A Marriage
Dave says to work together to eliminate your debt and build upon your savings!... more
- Is the Threat of De-Dollarization Real?
Several countries are attempting to move away from the U.S. dollars as their basis of international trade. Dave advises a on the facts and how the U.S. dollar de-dollarization.... more
- Control the Controllables
Dave talks to a high school student about the nation’s debt. Dave’s advice is on what the student and the nation can do regarding our national debt.... more
- Just Pile Up Money, and Go Do It
Dave advises a young man on the smartest way to save money to buy investment properties in the future.... more
- $15,000 Buys a Nice Used Car!
Vehicle totaled inan accident? Not sure how to use the insurance proceeds? A comparable used vehicle is a better choice than creating debt for a new one.... more
- Pay Off My Home or Buy a Rental?
There is nothing wrong with buying and owning rental properties. Make sure you buy them with cash and not take out a mortgage on your home to do it.... more
- Tips for a First-Time Home Buyer
Planning on buying your first home? Here are some tips from Dave Ramsey on what you need to know.... more
- It May Take a Little Time
Relationships can become strained when you loan or borrow money from a relative, especially if the loan isn’t paid back in an agreed upon time frame.... more
- Sometimes Helping Means More Than Just Giving
If someone asks you for financial help for groceries or household expenses, you have every right to insure the money is helping in the way you imagined.... more
- I Wouldn’t Do It That Way
Having an uncle gift property to his sibling, niece and nephew may sound like a kind hearted gesture to you but it could cause problems. See how Dave Ramsey would approach this offer.... more
- Are You Willing To Do What It Takes?
Getting out of debt requires some hardships that you can survive. Create a budget where you give every dollar you make a name and a job. Stick to your budget!... more
- Roll With It
If you find that you have a forgotten Thrift Savings Plan don’t with draw it. You’ll be paying the government money on at least 10% penalty and more. Here is Dave’s recommendation.... more
- How Big Is The Burden?
If you can afford it, why would you not want to help out a parent that did not plan or save for their own retirement? Here is Dave’s thoughts and suggestions.... more
- It’s Not As Difficult As You Think
You need a starter emergency fund if you have loans and other debts. Create a budget and give every dollar a name and a job!... more
- Remember to Be a Team When Tackling Finances After Layoffs
Laid off through no fault of your own? Contact your creditors and let them know that and that you will get current when you get a new job. You need to honor your debts but let your creditors know.... more
- I Know He’s Your Dad, But It’s His Responsibility Not Yours
Don’t put your family finances in jeopardy by giving money to a parent that is irresponsible with finances. Get them help in being responsible.... more
- Managing A Friend’s Will
It is good idea to have an attorney on your side who knows how to navigate probate.... more
- File Bankruptcy? That’s Really Bad Advice
If you co-sign for a loan, you are responsible for it. If a collection agency contacts you there are some things you can do.... more
- I’ll Be Nice, But I’ll Tell the Truth
Getting a loan from your parents can make dinner get togethers strained even it they made the offer. If this happens to you, here is Dave’s suggestion.... more
- Wait Until the Time is Right
Here are some reasons that make buying a home a great long-term investment versus renting your whole life.... more
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