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How to Budget for Christmas in August

By Rachel Cruze 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 four months away, it’s not too early to budget for it. …

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Prime Day is coming

By Chara When your friends talk about Prime Day, you might be wondering what they mean. For those who do not know, Prime Day is an exclusive shopping day for Amazon Prime members, including anyone with a 30-day trial membership. This year, Prime Day will run from midnight July 15 through 11:59 p.m. July 16. For the duration of Prime …

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Dave Says

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 month, and I owe $325,000 …

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Dave says 05.23.19

Dear Dave, My fiancé and I just started your class, but we’re having trouble getting our beginner emergency fund together. We both work full-time, and I make $59,000 a year while he has worked in retail for several years and makes $22,000 to $25,000. I’m trying to manage a couple of side jobs, but we just can’t seem to get …

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Finance column, Dave says 04.17.19

Dear Dave, I’m an admissions counselor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I’m trying to get out of debt, but I have one credit card I’m still using for travel expenses. The university refunds me for these expenses, which always run $300 to $400 per trip, but …

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Dave says 03.28.19

Dear Dave, I’m getting married this summer and about to become a stepfather, but my fiancé’s daughter from a previous marriage seems very irresponsible. She’s 20 and lives at home, has trouble holding a job, and she doesn’t really want to work. When she doesn’t have money to make her car payment, she seems to expect her mom to pay …

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Dave says – Finance column

Dear Dave, My mom is 75, and I’m the executor of her estate. She has $500,000 in retirement accounts, and the only debt she has is around $70,000 on her mortgage. Most of her money is in the stock market, with only $20,000 in a money market account, and this worries me. She lives well within her means, so am …

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Need help managing your finances? Try an app

Commentary by Chara If one of your new year’s resolutions is to get your finances in shape, there are many ways that technology might help you. For example, there are many apps that can allow you to easily monitor, save and invest your money. Some of the best financial management apps include the following: *Mint: The most popular finance app …

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Five Ways to Give yourself a Raise in 2019

By Rachel Cruze Everyone starts out a new year with the best intentions. We’re going to lose weight, or eat better, or work out more. I don’t know about you, but I’m as guilty as anyone when it comes to shelling out a bunch of money for a workout class and then quitting by Valentine’s Day. One of the biggest …

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Dave says – Finance column

Dear Dave, Do you think I should lower the amount I’m contributing to my 401(k) so I can pay off my house and my truck? Jamie Dear Jamie, If you’re following my plan, the first thing you should do is set aside a beginner emergency fund of $1,000. That’s Baby Step 1. Next comes Baby Step 2, which means paying …

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