BEAT DEBT FAST

          10 Ways to Save on Groceries What’s the one thing that always seems to bust your budget each month? If you answered groceries, you’re not alone. Searching for ways to save on groceries can seem like a daunting task. It’s easy to waltz down the grocery store aisle and fill up your basket with things that aren’t on the list—or in the budget. You end up in the checkout line convinced someone has been following you around the store and dropping random items into your cart. There’s no way  you  were the one who put that stuff in there. We get it. Shopping for groceries can bring out your crazy side. Maybe it’s all the florescent lighting, strategically placed products, or that squeaky wheel on the cart that messes with our sanity—and our budget. But it doesn’t have to be that way. We enlisted the help of Dave’s  Facebook fans  to share their best tips for saving money on groceries while keeping their budget on track. Best Ways to Save Money on Groceries 1. C

The Truth About Debt Consolidation Myth:  Debt consolidation saves interest, and there’s one smaller payment. Truth:  Debt consolidation is dangerous because it only treats the symptom. Debt consolidation is nothing more than a con because you think you're starting with a clean slate.  But the truth is the debt is still there, as are the habits that caused it—you just moved it! You can’t borrow your way out of debt in the same way you can’t get out of a hole by digging out the bottom. Getting out of debt isn’t quick or easy, but it’s the first step to achieving lasting financial health. Dave Ramsey’s trained financial coaches will never recommend debt consolidation to a client. Why? Because debt consolidation doesn’t work. Let’s find out why. Related:   Read about more debt myths in Dave Ramsey’s best-selling book: The Total Money Makeover. What Is Debt Consolidation? So what is debt consolidation anyway? It simply means you’re taking out one loan to pay off a

Retire a Millionaire on Just $35 a Week Not everyone has a big cushy salary. Plenty of folks out there work hard just to make minimum wage. Or maybe you make a decent salary but have suffered financial setbacks due to emergencies. Heck, even providing for a family of four can be expensive! But that doesn't mean you can't  save money for a comfortable future . A Surprising Formula for Success Typically, we talk about investing in percentages: Dave recommends contributing 15% of your household income into tax-advantaged retirement accounts to retire comfortably. Everyone’s 15% is different and may be big or small depending on your salary. But what if we broke it down into a number that’s easy for everyone to relate to—a figure that could easily cover a dinner out or a week’s worth of daily super-sized lattes? Let’s see what kind of future $35 a week could afford you if you invest in good growth stock mutual funds.  That would be 15% of an approximately $12,000

Downsizing Your Home: 3 Money Benefits If you think moving up in life means buying a bigger home, it’s time to set the record straight. Most American families have plenty of room to downsize their home without cramping their style. Consider the numbers: The average new single-family home comes in at nearly 2,300 square feet, according to National Association of Realtors. You may not think that’s all too big until you look back at history. The National Association of Realtors also reports that  the average home size in 1950 was less than 1,000 square feet —and families were bigger back then. By those standards, today’s homeowners are living large! Moving into a smaller home may feel like a step down, but a closer look reveals quite a few upsides. Are you ready to find out if downsizing is right for you? Downsizing Your Home: Less Is More One question we always hear when the topic of downsizing comes up is: “Where will I put all my stuff?” Here are a few ideas: your ne

449 – Friday Q&A: How Do You Help Young People Engage in Goalsetting, How Much Debt Is Too Much on Rental Properties, How Do You Help Your Brother-In-Law Learn About Money, Last-Minute Health Savings Account Contributions?

452 – The Rule of 72

454 – Friday Q&A: Where Should a 48-Year-Old Focus Financially, Should I Sell a Stock that Makes Up 25% of My Net Worth, Should I Move Across the Country So My Children Can Be Near Their Grandparents, How Strong Is the California Pension System, Should I Co

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss How to Live a Rich Life Now

451 – The Millionaire Next Door Wealth Index: How Do You Stack Up?

456 – Protect Your Money by Arrest-Proofing Yourself and Your Children