Dave Ramsey

DAVE RAMSEY | Feb 13, 2016

Dave Ramsey says: Don’t tithe with credit cards

If you want to give money to your church electronically, find a way that doesn't involve credit cards.

DAVE RAMSEY | Feb 9, 2016

Dave Ramsey says: Buying cell phone insurance means you’ve spent too much

There’s nothing wrong with having a cell phone, but if you can’t afford to replace it out of your own pocket, then you’ve got too much phone!

DAVE RAMSEY | Feb 6, 2016

Dave Ramsey says: Hold the financial talk on the first date

No matter how proud you are of your own debt reduction, you may want to hold the financial talk on the first date. That's even weird by my standards.

DAVE RAMSEY | Feb 2, 2016

Dave Ramsey says: Teaching kids to save is all about little steps

Teach a child to save is more about taking steps slowly and finding teaching moments rather than implementing a hard-nosed system.

DAVE RAMSEY | Jan 30, 2016

Dave Ramsey says: Why a big tax return is really a bad thing

Some people seem to think Santa Claus has shown up when they get a big income tax return and that’s completely wrong.

DAVE RAMSEY | Jan 26, 2016

Dave Ramsey says: Selling your home isn’t always the answer if you’re out of work

Just because you or your spouse lost a job does not mean you have to sell your home and move right away. Consider your options first.

DAVE RAMSEY | Jan 21, 2016

Dave Says: Avoid any type of life insurance with a built-in savings program

In the life insurance world, buyers should buy only term life insurance. Avoid any kind of insurance that has a savings program built into it.

DAVE RAMSEY | Jan 18, 2016

Dave Says: Pursue your dream career and avoid debt with a rock-solid savings plan

It is important to go out and follow your dream career, but only with a financially stable way of doing so in order to avoid accruing high amounts of debt.

DAVE RAMSEY | Jan 16, 2016

Dave Ramsey says: Don’t always jump at a free down payment

The idea of a free down payment for a home can be tough to turn down, but young couples have other financial issues and a new marriage to worry about first.

DAVE RAMSEY | Jan 12, 2016

Dave Ramsey says: Don’t give your child an allowance just for breathing

There’s never a time for an allowance, no matter the child’s age. In my mind, that kind of thinking is the best way to plant the seeds of entitlement.

DAVE RAMSEY | Jan 9, 2016

Dave Ramsey: You have to decide on your financial priorities

Before making a big purchase, such as a home, it's important to decide where your financial priorities lie.

DAVE RAMSEY | Jan 5, 2016

Dave Ramsey says: Despite rewards, credit cards make you spend more

While the temptation of credit card rewards are great, Dave Ramsey says they will make you spend more and few people can keep that in check.

DAVE RAMSEY | Dec 29, 2015

Dave Ramsey: Structured right, a side job can be a great thing

Side job? Absolutely, I would do that. Just figure out an intelligent way to structure the business and finances so you don’t get pinched!

DAVE RAMSEY | Dec 26, 2015

Dave Ramsey says: A short gap in 401(k) contributions should be fine

If you’ve handled your money, going a couple of months without contributing to your 401(k) isn’t going to mean you'll retire in poverty.

DAVE RAMSEY | Dec 22, 2015

Dave Ramsey says: Christmas spending doesn’t have to break the bank

Christmas giving is a wonderful thing if your intentions — and your finances — are in the right place, says financial expert Dave Ramsey.

DAVE RAMSEY | Dec 15, 2015

Dave Ramsey says: Don’t get suckered by last-minute Christmas shopping

If you haven't started your Christmas shopping, Dave Ramsey recommends avoiding traps set by retailers for last-minute shoppers.

DAVE RAMSEY | Dec 12, 2015

Dave Ramsey says: Personal, business debt is all the same

When it comes to personal versus business debt, Dave Ramsey says, "Your debt required you to personally sign for it, right? So, it’s all personal debt."

DAVE RAMSEY | Dec 8, 2015

Dave Ramsey says: Get back on savings wagon after holiday spending

Dave Ramsey has tips to help you think ahead, plan ahead, and jump back on the savings wagon after all the holiday spending.

DAVE RAMSEY | Dec 5, 2015

Dave Ramsey says: Confirmation of paid loans is good to have

Following up on paid-off loans is always a good idea. You don’t want the hassle of possibly having to deal with greedy or incompetent collectors.

DAVE RAMSEY | Dec 1, 2015

Dave Ramsey says: Cautious gift better than loan when it comes to friends

According to Dave Ramsey, if you want to gift your friend some money, then do it, but certainly don’t do it as a loan.

DAVE RAMSEY | Nov 26, 2015

Dave Ramsey says: Restricted stock can put too many eggs in one basket

If it were me, I wouldn’t hold on to too many restricted stocks. I don’t own single stocks. They have too much risk for my taste.

DAVE RAMSEY | Nov 24, 2015

Dave Ramsey says: How do you have a wedding without debt?

How do you have a wedding without debt? It’s really simple: You have a wedding with the money you have.

DAVE RAMSEY | Nov 17, 2015

Dave Ramsey says: Minor car repairs should be in the budget

When it comes to minor car repairs, Dave Ramsey said they should be in the budget and not paid for through the emergency fund.

DAVE RAMSEY | Nov 16, 2015

Dave Ramsey says: Start saving after Baby Step 3

If you're following Dave Ramsey's Baby Steps, the time after Baby Step 3 is a time for saving, not buying a house right away.