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Dear Dave, My fiance and I are getting married in May. He’s a youth pastor, and I’m in grad school. His mom and dad found a home they think we’ll like, and they want to gift us money for a down payment. I’m not sure how I feel about this under our pr...

We must acknowledge the turmoil in the equity markets, and do so by discussing an infamous anniversary. On the off-chance you were unaware, China’s stock markets had their shortest trading day ever on Thursday as China’s CSI 300 Index plunged 7 per c...

Dear Dave, I don’t understand why you don’t like it when people properly manage their credit cards and pay them off every month. By doing this, you pay no interest and in my case I even got a free trip to Europe from using my credit card. Please expl...

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...