Columns

If you buy a home with nothing down and no money in the bank, you’re inviting Murphy and his cousins — Broke, Desperate and Stupid — to move in with you.

Looking at all inputs of the consumer spending equation it’s not unrealistic to think the NRF’s above trend holiday shopping forecast that calls for a 4.5% increase year over year in 2014 could be a tad exuberant.

There is a time and a place to consolidate your debt, here’s what you should know

Dave Says: Creating a budget is one thing, but following through and fixing any holes is a whole different ball game.

Dave Says: When it comes to wedding planning or paying down debt, the numbers matter.

Dave Says: Sometimes tough love is required when you're a landlord, and when is it time to buy a new car? 

Dave Says: Freezing your credit can help prevent any long-term damage if your personal information has been compromised, but that only provides partial protection. 

Retailers are increasingly using a different pronoun to describe shoppers: he.

Dave Says: When it comes to finding the best mutual funds, use this criteria. 

Dave Says: Everyone likes a bargain, but sometimes buying used can cost more in the long run. And just how much do you need for a down payment?  

Dave Says: Does it matter if you are spending more on one kid than the others? And what are the best practices for handling a 401(k) when switching jobs? 

Retirement is really about numbers that support the life you want to live, and the sacrifices you might – or might not – want to make.

Dave Says: When it comes to starting a family, it's hard to know when you're financial secure, but sometimes you have to dive in. 

After the harsh winter, summer travel is rebounding as 36 million Americans plan to travel over Memorial Day weekend -- the highest level since the recession. 

Cutting your cable cord could save you $123 a month next year. Going 20 years without cable can save you nearly $40,000 -- so why aren't people cutting the cord?  

Dave Says: When it comes to helping out cash-strapped acquaintances, don't be afraid to put some stipulations on your loan. And should you hang onto those old savings bonds? 

Travelers can expect higher prices this summer, but that doesn't mean you can't get away without busting your budget. Check out industry insiders money-saving travel tips.

Dave Says: Becoming debt free should always be the goal, but sometimes it has to take a back seat to other budget needs.

Dave Says: When it comes to your credit score, sometimes not having one is an attractive option. And what's the best savings vehicles for children?

Dave Says: Just because your bank is making the recommendation, doesn't mean you should follow it. And debt consolidation isn't a cure-all.