A fresh budget every month?

by Dave Ramsey -- Dear Dave, I was wondering why you recommend doing a fresh budget every month. Once you've figured out your expenses and income, won't the same budget work month more…

Help with property assessment?

by Dave Ramsey -- Dear Dave, We keep getting offers in the mail from a law firm that offers to protest the assessed value of our home for property tax purposes. They more…

Easy Rider … but still in debt

by Dave Ramsey -- Dear Dave, My husband and I have been through Financial Peace University. I've always been the numbers nerd, although he's catching on and doing pretty well. He has more…

Too many houses

by Dave Ramsey -- Dear Dave, My husband has been transferred again in his job. Right now, we have three houses and about $60,000 in other debts. He just found out that more…

A debt-ridden boyfriend

by Dave Ramsey -- Dear Dave, My boyfriend has a lot of debt. The other day a creditor called, and he wouldn't answer the phone. Then, he told me it would be more…

Are 'same as cash' deals for real?

by Dave Ramsey -- 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 more…

Insurance necessities

by Dave Ramsey -- Dear Dave, I've got auto insurance, but can you tell me what other kinds of insurance are good to have? Chris Dear Chris, The purpose of insurance is more…

Your emergency fund: Murphy Repellant

by Dave Ramsey -- 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 more…

Build the foundation first

by Dave Ramsey -- 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) more…

How to settle with collectors

by Dave Ramsey -- 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 more…