Dave Ramsey
BIO Subscribe to this blogger
David L. Ramsey III (born September 3, 1960) is an American financial writer, radio host, and television personality.

  • Dave Says - February 7, 2012

    February 07th, 201211:50 AM ET
    By Dave Ramsey
    Don't fall for same-as-cash offers Dear Dave,My wife and I bought some furniture a while back on what we thought was a 24-months-same-as-cash plan. The original purchase price was $1,600. The other day, I got a call from a collector saying that it was actually a 12-month plan, and the balance is now $2,800. We looked at the contract, and it was ou...

  • Dave Says - January 24, 2012

    January 24th, 201212:02 PM ET
    By Dave Ramsey
    What's your emergency fund range? Dear Dave,In your plan, you talk about Baby Step 3 as saving enough to have three to six months of expenses in your emergency fund. My husband and I were wondering how you can determine whether you need to be on the low end or high end of that range?Amanda Dear Amanda,Lots of times in a marriage you’ll have a s...

  • Dave Says - January 16, 2012

    January 16th, 201212:29 PM ET
    By Dave Ramsey
    Lay the foundation first! Dear Dave,We’ve read about your plan, and we’re in pretty good shape financially, but we don’t know what to do next. We have $400,000 in a 401(k) for retirement, but we don’t have an emergency fund or any other savings. The only debt we have is our house. What should we do about Baby Steps 4 and 6?Mary Dear Mary,...

  • Dave Says - January 10, 2012

    January 10th, 201211:55 AM ET
    By Dave Ramsey
    How much am I really liable for? Dear Dave,I have old credit card debt that goes back a few years. The account has been sold and re-sold to several collection companies. The limit on the card was $300, but with late charges and fees I now owe $1,500. Am I liable for the extra $1,200?Monica Dear Monica,You agreed to their terms, which included the...

  • Dave Says - January 2, 2012

    January 02nd, 201203:47 PM ET
    By Dave Ramsey
    Saving is always smart Dear Dave,My wife and I have gone from having almost nothing to making about $90,000 in the last few years. The problem is that I can’t get her interested in saving money. What’s worse, her father is the preacher at our church and he has convinced her that he knows the Lord is coming back in our lifetime. Thinking this, ...

  • Dave Says - December 27, 2011

    December 27th, 201109:44 AM ET
    By Dave Ramsey
    Guilt and cynicism Dear Dave,I’ve noticed that lots of people get defensive when it comes to talking about money and living on a plan. Why is this?Tonya Dear Tonya,I think it’s because there seem to be two negative emotions connected to people who have failed with money: guilt and cynicism. They feel guilty because they’re terrible when it ...

  • Dave Says - December 19, 2011

    December 19th, 201103:17 PM ET
    By Dave Ramsey
    Review the research Dear Dave,I’ve heard you say that people spend more with plastic than with cash. Exactly what does that mean?Edmund Dear Edmund,There have been several studies done in recent years that show people spend less money when buying with cash as opposed to swiping a credit card. One study in particular conducted by MIT and publish...

  • Dave Says - December 13, 2011

    December 13th, 201111:22 AM ET
    By Dave Ramsey
    Where does the donation go? Dear Dave,Our financial situation is pretty good now, and my husband and I feel it is time to start giving something back. There are several organizations we’re interested in helping, but how can we know if they’re legitimate and will use our money wisely?Laura Dear Laura,I really appreciate your giving spirit, but...

  • Dave Says - December 6, 2011

    December 06th, 201111:57 AM ET
    By Dave Ramsey
    Business and friendship Dear Dave,I’m about to buy my first home. My plan is to buy a duplex and rent out the other side to help pay down the mortgage quickly. A friend of mine wants to be my renter, but I’m worried that this could jeopardize our friendship. What do you think?Jerry Dear Jerry,This can work, but the odds aren’t in your favor...

  • Dave Says - November 29, 2011

    November 29th, 201110:28 AM ET
    By Dave Ramsey
    Intensity hurting the marriage? Dear Dave,When does reaching the point of being debt-free become more important than marriage? We’re following your plan and doing the debt snowball, but my husband’s been working a second job, and it’s really cutting into our together-time at night and straining our relationship. I’m afraid we’re going to...
Page 1 of 16 PREVIOUS 1 2 .... 15 16 NEXT
Advertisement
About this blog
Original content on business opportunities, and entrepreneur resources plus insights from Christian consultants, coaches and business experts.