National Spotlight
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Dave Says: Adjust the emergency fund?
Dear Dave, My husband and I have been married five years, and we’ve decided we want to have children. We’ve both been working full time since our wedding, and we were wondering if we should adjust our emergency fund and retirement investing to accommodate all the upcoming life changes that go along with having a…
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Overworked, overscheduled and overconnected? Here are five ways to achieve a balanced life
By Christy Wright Overworked. Overscheduled. Overconnected. That’s the world we live in today. It’s overwhelming to say the least! The U.S. Bureau of Labor Statistics found, on average, people with full-time jobs work more than the 40 hours required of them during the workweek, and even spend an additional five hours working on the weekend.…
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Career Coaching with Ken Coleman: ‘The Proximity Principle’
My best friend was telling me about his oldest daughter the other day. She began to show interest in film during high school, and now she’s in college at a critically-acclaimed film school. She chose a school, not just for the name, but one well-known for helping students get internships. After she finished her freshman…
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How to budget in the summer for Christmas
Can you believe Christmas is right around the corner? It seems like we were just celebrating the Fourth of July, and now it’s time for another Christmas season. Okay, don’t get mad and protest that I’m bringing up Christmas too early. Even though the actual holiday is still five months away, it’s not too early to budget…
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Dave Says: Managing marriage money is a ‘we’ thing
Dear Dave, I’ve never hidden debt from my husband, but I do hide money from him on occasion. I don’t hide it for my personal use, but I have been setting money aside for emergencies without his knowledge. He’s not terrible with money, and he works very hard, but he always seems to find something…
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Dave Says: Be honest with friends
Dear Dave, I’m on Baby Step 2 of your plan, and I’ll be debt-free except for my home by the end of the year. I have a friend who is very irresponsible with his money, and he often asks to “borrow” cash between paychecks. I don’t want to be cruel, but things are getting out…
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10 things you (maybe) didn’t know about our nation’s birthday
A little light reading on this fine holiday courtesy mentalfloss.com. BY JAY SERAFI With 243 years of tradition behind it, the Fourth of July is one of America’s most cherished holidays. It’s when we celebrate our nation’s mythology with a day off, a backyard barbecue, and plenty of fireworks. But with all that history, you’d…
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Advice: The best way to win with money
By Rachel Cruze One of the seven money habits I often talk about is simply “Make a Plan for Your Money.” It’s so basic, but so many people don’t do it on a regular basis. Another way of saying this—and hang with me here—is you need to make a budget. I know what you’re thinking.Budgeting…
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Dave Says: It’s only temporary
Dear Dave, Should I still contribute up to the match to my 401(k) at work, like you recommend, if I’m in the process of trying to get out of debt? Russ Dear Russ, Some people disagree with this stance, but my answer is no. I understand how important it is to take the match in…
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Wawa to celebrate Hoagie Day on July 2
As part of its 10th year as title sponsor of Wawa Welcome America!, Wawa Hoagie Day will feature all the excitement Philadelphians have come to expect, along with a heartfelt salute to our local and national heroes, and FREE admission to the National Constitution Center. Plus this year, Wawa is building and serving the largest number of hoagies to date—weighing a total of nine…
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Dave Says: Helping is often harder than giving
Dear Dave, My husband and I met a young woman through an outreach program at church. She is a single mother with a small child, and recently she asked us for money, so she could buy baby food and diapers. This isn’t the first time she has asked us for money. In the past, she…
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Advice: Three applications your kids should fill out this summer
Yeah, everyone loves summer vacation. But this isn’t the time for your kids to take a vacation from funding their college educations. They deserve to chill a little after a long school year, but summer is also a great time for them to take advantage of financial aid opportunities, and get college paid for (in…
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Dave Says: A course in day trading?
Dear Dave, I was recently offered an opportunity to participate in a hands-on stock trading class. The problem is we don’t have the $6,500 registration fee just lying around. My husband and I are on Baby Step 4 of your plan, so what would you think about us borrowing that amount from our emergency fund?…
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Advice: Five ways to save money while traveling
By Rachel Cruze I love to travel. I love trying out a new hotel, sleeping in a California king-sized bed and not having to worry about making my bed in the mornings. The one thing that’s always true about traveling is that it costs money. And I’m all about saving money. So, here are my…
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Dave Says: What to do if you can’t afford a 15-year mortgage
Dear Dave, Is there ever a time when a 30-year mortgage is better than a 15-year mortgage? [uam_ad id=”54865″] Julie Dear Julie, Let’s see, how should I put this? No! If you can’t afford a home on a 15-year mortgage, it means you can’t afford the house. Period. If you currently own a house, and…
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Dave Says: Is now the time for refinance?
Dear Dave, I recently started following your plan, and I’ve looked into refinancing the home I bought five years ago to free up more money to put toward paying off debt. My interest rate is 3.625 percent, along with a private mortgage insurance payment of $200 per month. This makes my mortgage payment $2,700 a…
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Dave Says: Dealing with a long-distance landlord
Dear Dave, My husband and I are active duty military stationed outside Washington, D.C. We’re completely debt-free and have finished your entire Baby Steps plan, but last month our paid-for rental house in Florida burned down. It was empty at the time, so no one was hurt, and we got a check from the insurance…
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The 5 simple habits of the average millionaire
By Chris Hogan I’m going to come right out and say it: Anyone can become a millionaire in America today. And when I say anyone, I mean anyone — that means you, too! Did you know there are about 12 million Americans today with a net worth of at least $1 million?1 And the good news is, it…
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