Category Archives: Dave Says

Dear Dave,My husband and I are debt-free, and we have an emergency fund of six months of expenses saved. We'd like to buy a home in the $250,000 to $275,000 price range in the near future, and we plan...

Dear Dave,My husband and I were listening to your radio show the other day. In it, you were speaking to a lady about buying a home. When you talk about mortgage payments being 25 percent or less of yo...

Dear Dave,I have my own small business. My annual sales are just over $100,000, and I have a couple of months in administrative and general expenses set aside. Should I have an emergency fund for my c...

Spring cleaning your financesBy Rachel CruzeThink of making a budget like spring-cleaning: It's a great way to get things in order around your house, and you'll feel so much better after it's done.I k...

Dear Dave,Our son is 17, and he is in school. He has a good part-time job, and my wife and I started teaching him basic money management at a young age. He understands the importance of saving, giving...

Dear Dave,As a business owner, how do you find a life balance between work and home? I have my own small business, and sometimes I feel like I'm putting in too much time at the shop and not spending e...

Dear Dave,I'm an admissions counselor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I'm trying to get out of debt, but I have one credit card I'm still using for ...

The Best and Worst Things to Do for Spring BreakBy Rachel CruzeWe've all been waiting for a break from this cold, dreary winter. Well, for students (and their families) across the country, it's finall...

Dear Dave,Recently, the garage where I worked for a long time went out of business. I have a lot of my own tools, and I was thinking about taking out a loan of around $20,000 to buy a few extra tools ...

Ask Ken ColemanZero in on your passion Q: I'm 23, and I currently work at a community college as a student liaison where I help incoming students acclimate to college life. My dream job is to work spe...