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Ask Dave

Just Plain Whipped

Lisa feels just plain whipped and wonders if there's ever a point that you can't make an impact on your money.

QUESTION: Lisa wonders if there is ever a point to where you can’t make an impact on your money. They have no savings, two big car payments and don’t know how to start.

ANSWER: It starts with how bad you want to be debt free. Are you willing to give up some of your luxuries to get out of debt and save? The only option I know of is to go win. If you keep doing what you’ve been doing, you will keep getting what you‘ve been getting. That’s why you don’t have money, and it’s scaring you. You called me with a hopeless question. That comes out of the situation. You have to amputate the cars and adjust your mindset. You’ve got to decide. Sit down with your husband and talk about this.