Sloppy Language and Thinking

Dear Dave,

I just bought a new smartphone, and the company I’m with offers insurance for the device. Do you think it would be wise or foolish to do this?

Lisa

Dear Lisa,

Dear Dave,

What is your opinion of churches encouraging members to do e-giving with credit cards and debit cards?

Melissa

Dear Melissa,

Marriage and Money: How to Balance                                                                                                                      

Savers and Spenders                    

—Courtesy of EveryDollar.com

Money is a source of conflict in nearly a third of all relationships, according to a survey by the American Psychological Association.

Dear Dave,

I’ve started my four-year-old on an allowance structure and a chore chart. I also have a mini-envelope system with spending and saving set up, but I’m having trouble helping him distinguish between the two. How can I solve this?

Monica

Dear Monica,

Dear Dave,

I’ve been following your plan, and I’ve finally gotten out of debt and feel I have control of my finances. I’m also single, and I was wondering if you have any tips for how to gracefully mention financial topics and budgeting when you’re on a date.

Paula

Dear Paula,

Dear Dave,

Do you recommend having people keep their W2 numbers as close to their tax return numbers as possible, even if they might have to pay at the end of the year or have more taken out? Every year I get a big tax return. But after listening to you I began to think that if I did a better job of planning I would have more money throughout the year.

Charlie

Dear Charlie,

Dear Dave,

My husband was laid off a month ago from a job making $80,000 a year. We have no debt except our house payment. We owe about $82,000 on it, but it’s valued at approximately $300,000. We’ve also got an emergency fund of $30,000, and I work part-time making about $2,000 a month while he collects unemployment and looks for another job. Do you think we should sell our home? We’ve also got a boat that’s worth about $18,000 we could sell.

Sheila

Dear Sheila,

MORE THAN 1 MILLION USERS BUDGET WITH EVERYDOLLAR

NASHVILLE, Tenn. — Ramsey Solutions’ EveryDollar has surpassed 1 million users just ten months after its official launch.  The free online budget tool and iPhone app was created by personal finance expert Dave Ramsey to help people take control of their money so that they can pay off debt and save for the future.  Through EveryDollar.com or on-the-go with the EveryDollar iPhone app, entering and tracking expenses has never been easier.