Finances
Dave Says: Don't Pay It!
My brother had a couple federally insured loans when he died, and now our lawyer says my mom has to pay it. Is that right? Dear Dave, My brother was killed earlier this year, and my mom is finalizing his estate. He had a couple of federally insured student loans through Sallie Mae totaling...
Dave Says: Is Accountability the Key?
I'm working to become financially responsible, but I'm single. I feel like it would be easier if I had someone to hold me accountable. Suggestions? Dear Dave, I’ve been working the Baby Steps and doing a budget most months. But how does someone who is single stay motivated and focused with...
Dave Says: Are Coupons a Waste of Time?
Is it worth the time and effort to use coupons? Any websites you suggest for finding coupons? Dear Dave, Is it worth the time and effort to use coupons, or are they just a waste of time and a ploy to get you to buy things? Tammy Dear Tammy, Coupons are definitely a ploy to entice...
Dave Says: Birthday Money Is a Last Resort
Dave: What's the best way to use money given to a baby as a birthday present? -Ron Dear Ron, I think it depends on your financial situation along with your plans and goals. If you’re at a place where you can’t afford necessities, then there’s absolutely nothing wrong with using birthday...
Dave Says: Get the Brother-in-law Out!
My 27-year-old brother-in-law is living with us but isn't contributing. How do I convince my wife that he needs to go? Dear Dave, My 27-year-old brother-in-law moved in with us some time ago. He doesn’t have a job or contribute anything in terms of helping around the house or with bills. I...
Dave Says: Baby Comes First!
We're working through your steps to get out of debt, but our daughter may need a kidney transplant. Should we beef up our emergency fund, or keep working on the debt? Dear Dave, My husband and I just finished Baby Step 1, and we have our $1,000 in the bank for an emergency fund. Our daughter...
Dave Says: Making the Right Choice
I'm a landlord in New York. Do you have any tips on the best way to choosing good renters? Dear Dave, I’m a landlord in New York, and I’ve always felt it’s not a good idea to rely entirely on previous landlords for referrals on prospective tenants. Do you have any tips for selecting good...
Dave Says: What the Law Will Allow
What is legal and illegal for debt collectors to do? Can they call members of my family to get information on me? Dear Dave, A debt collector has been calling members of my family to get information on me. She has identified herself as collector, and I want to pay what I owe, but is it legal...
Dave Says: Quit Impulse Spending
How do I convince my husband to stop using his debit card for non-emergencies? Dear Dave, I’m trying to convince my husband to leave his debit card at home when he goes to work. He says he wants it for emergencies, but he’s always using it for other things. I’d rather him just carry a...
Dave Says: Bad Boat Deal
Help! Should I accept partial payment and a boat in exchange for my motorcycle? Dear Dave, My wife and I are on Baby Step 2 of your plan, and we’re paying off our debt. I’ve been trying to sell my motorcycle and listed it for $5,000 on Craigslist. The other day, a guy offered me $2,000 cash...
Dave Says: To Catch a Thief
I have reason to believe my stepson's father has used his name to open credit accounts. How do I check this for a minor? Dear Dave, My stepson is about to turn 18. I have reason to believe that his biological father has used his son’s name to open credit accounts. I’ve been told that you...
Dave Says: Just Another Form of Debt
My son wants to use a starter loan to invest while he's in the Navy. Is this a good idea? Dear Dave, My son is 22 and about to enter the Navy as an officer. He’s been offered a Career Starter Loan. His plan is to invest the money and let it grow while he’s in the service. I’m not sure...
Dave Says: No Pay, No Say
My fiancée and I are paying for our wedding since parents don't want to help, but they still want to make wedding decisions. What do we do? Dear Dave, My fiancée and I are planning our wedding. Our parents don’t want to contribute financially, so we’ve budgeted $7,000 to cover everything....
Dave Says: Student Loan Debt Killing Relationship?
My niece and her potential fiancé have a lot of student debt. How can they come to peace with getting married with all this debt hanging over them? Dear Dave, My niece just graduated from college with $20,000 in student loan debt. Her boyfriend graduated as well, and they’re talking about...
Dave Says: Impulsiveness Is Not "Faith"
I'd like to stay at home with the kids, but my husband and I don't know if we can afford it. How do we make the right decision for our family? Dear Dave, My husband and I would like for me to be able to quit my job and stay at home with our kids. We’ve got a little money saved up, but we’re...
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