Budgeting

Rent-to-own? Nope!

Josh wants to know how Dave feels about rent-to-own purchases. He quickly learns Dave doesn't like them on any level.

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A Properly Budgeted Christmas

When you don't budget for Christmas, how do you figure out how much you can spend?

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Save up, self insure

Shelby asks Dave if she should buy coverage offered by the gas and phone companies to cover lines running to her house from the street. Dave says no, and he tells Shelby the best plan for something like this is an emergency fund.

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If you know it's coming, it's not an emergency

Melody's husband believes he'll have about three months of down time each year in his new business. He wants them to skip paying off debt, and build up a big emergency fund to cover these times. Dave gives them a better idea.

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