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If I told you that you could get a pay rise without earning more income, would you take it? Of course you would! Many people who budget for the first time feel like they got a rise. That’s because they’re discovering money they didn’t realise they h...

Dear Dave, We have two girls in competitive gymnastics, and it’s costing $12,000 to $15,000 a year at a professional gym to do all this. My wife and I both work, and we make about $115,000 a year, but virtually all of her income goes toward paying th...

Dear Dave, My parents are going through a divorce, and money issues are a big part of the problem. My dad bought several rental properties and poured money into them. Then, he lost them to foreclosure and isn’t making a lot in his new, commission-ba...

It’s a nightmare for families and their financial advisers: a parent or client with Alzheimer’s and significant money to manage. Those with elderly clients know the potential for trouble. Should they execute an unusual order to sell or buy from a cl...

Dear Dave, What’s your opinion on rewarding children with money for getting good grades in school? Joe Dear Joe, Honestly, I don’t have a strong opinion about it one way or the other. We didn’t pay our children for good grades, but I can’t really th...

Dear Dave, My daughter is in her late 20s, and she has a good job making $50,000 a year. The other day, she told me she has $15,000 in credit card debt and has financed an expensive car she’s upside down on. Her apartment costs $600 a month, and she...

Dear Dave, I have a problem with impulse spending. I switched to a debit card so that the money comes straight out of my checking account, but I still buy things I know I shouldn’t. Should I stop using the card? LAUREN Dear Lauren, Debit cards are g...

DAVE SAYS by Dave Ramsey Dear Dave, I’d like to send my children to a private school, and they would begin classes the same month we’ll finally be out of debt. We would have to pay this out over the course of the school year, so would you consider th...

Dear Dave, Should you budget for mad money, or just carrying around cash, when you’re trying to get out of debt? AURORA Dear Aurora, What really matters is the amount of mad money you allow yourself to have. Everyone needs a little pocket money. It’...