Log In

Dear Dave, I work in IT, and I recently learnt that I’ll be losing my $88,000 a year job at the end of February. We’re debt-free, except for our home, and we have a full emergency fund in place. The problem is we just cash-flowed one daughter’s weddi...

Dear Dave, I woke up this morning and realised I haven’t started Christmas shopping yet. I’ve been listening to you for a long time, and I don’t want to fall in the trap this year of paying outrageous prices for things just because I have waited unt...

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 blew my whole monthly budget. Now I’m having a hard time getting motivated again. Do you have a...

It’s the Christmas season — my favourite time of year! And even though Christmas is the season of giving, it can also be a time when it’s really tempting to overspend. To keep from falling into that trap, you need to have a plan. So here are few way...

Dear Dave, How do you have a wedding without debt? LYNN Dear Lynn, Wow, where do I start on this one? I guess the best way is to tell the truth. Honey, that question kind of makes you sound like a little princess. How do you have a wedding without de...

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 says that kind of thing isn’t an emergency, and we should just put it off as long as possible while saving up to fix th...

Dear Dave, My husband and I are about to relocate to another part of the country. We’d like to sell our house, but we’re thinking about taking out a small loan to have some work done first. We could get in the $180,000 range selling it “as-is” but cl...

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 for school and provide him a car to drive as long as he maintained good grades and behaved in a respectful and ma...

Dear Dave, My wife and I just started your class, and we’re determined to get out of debt. At the same time, I’d like to do something to reduce the stress in her life. She’s a nurse, and she works three 12-hour night shifts a week. I’m a teacher, and...

Dear Dave, My husband and I live on a budget and are getting out of debt. Our daughter is in high school, and we’ve been teaching her about your plan. Is it realistic to expect a 16-year-old with a part-time job to make and live on a budget? — Marc...