3 horses and a budget

by Dave Ramsey -- Dear Dave, My husband and I are currently renting an apartment for $1,200 a month. Together, we bring home about $7,000 a month, and we'd really like to more…

No Christmas debt next year!

by Dave Ramsey -- Dear Dave, We've always just assumed that we would use credit cards for Christmas, and accepted the fact that there would be a mountain of debt to pay more…

Dealing with family at the holidays

by Dave Ramsey -- Dear Dave, I haven't spoken to my mom and sister in more than six months. Over time, I realized we have a real clash of moral values that more…

Last-minute shopping traps

by Dave Ramsey -- Dear Dave, I woke up this morning and realized I haven't started Christmas shopping yet. I've been listening to you for a long time, and I don't want more…

Getting back on the wagon

by Dave Ramsey -- Dear Dave, I started working your plan earlier this year. I even budgeted for Christmas and got my shopping done early, but in the process I overspent and more…

Should I give my buddy a cool grand?

by Dave Ramsey -- Dear Dave, The guy who has been my best friend since grade school recently asked me to loan him $5,000. All I have in savings in $5,000, but more…

Car repairs? Put them in the budget

by Dave Ramsey -- Dear Dave, My wife and I are on Baby Step 3 of your plan. When we have standard car repairs, I want to use the emergency fund. She more…

To hire or not to hire? It's a predicament

by Dave Ramsey -- Dear Dave, I work as the executive director of a nonprofit charitable organization. Lately, I've been wondering if I should hire an employee as a development person. I more…

Taking Junior's keys, cell phone

by Dave Ramsey -- Dear Dave, Our son is a senior in college. We all signed a contract before he left for school a few years ago stating that we would pay more…