Thursday, April 28, 2016
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Preview the Paper Preview the Paper

Preview this week's Paper
A limited number of pages are displayed in this preview.
Preview this Week’s Issue ›
Subscribe Today ›

Lost & Found


VideoMarma went missing near FM427/CR537. F/Terrier mix/30lbs/Orange/Red medium length fur. Can be extremely shy- please call or text 210-440-3889 if seen.
Found: Female dog with dark brown and tan highlights, on Hwy. 87, Adkins. Call Andrea at 623-512-8099.
Lost: Border Collie, black and white male, one eye, microchipped, C.R. 319/F.M. 775 area. 210-382-2167.
More Lost & Found ads ›

Help Wanted

Bill Miller Bar-B-Q, Hiring at $9.50/hour. Flexible schedule, Tuition reimbursement, Health insurance - 401 (k) , Paid vacation. Apply at 1615 Standish, Floresville. EOE.
Experienced electrician needed. Call 210-885-4101, fax 830-393-0909, or email srallaelect@netzero.net.
More Help Wanted ads ›

Featured Videos





Video Vault ›
RE/MAX homeTNMCRichardson Chevrolet home
You’ve been granted free access to this subscribers only article.

Section A: General News


Downsizing house?




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
April 25, 2012 | 1,299 views | Post a comment

Dear Dave,

Is it ever a good idea to sell your home and buy a smaller, less expensive one in order to get out of debt more quickly?

Autumn

Dear Autumn,

It’s a good idea in some situations. If you don’t really like the house, or maybe you were thinking about selling it anyway, then I’d say go for it. It would also be a smart move if you simply have too much house and the payments are eating you alive.

I usually recommend that your monthly mortgage payment or rent be no more than 25 percent of your take-home pay. If your house payments are taking 40 to 50 percent of this figure, then it’s time to unload the house.

But selling your home can be a tough thing emotionally. I’d never advise someone to sell the place they love and move down in house if their payment is reasonable. In these situations, there are usually other areas where you can cut back, keep your home, and still get out of debt in a reasonable amount of time.

Dear Dave,

I’m getting married to a wonderful man, but his 19-year-old daughter from a previous marriage is very irresponsible. She doesn’t want to make her own car payments and doesn’t want to work. Lots of days, she sleeps until noon and just lies around the house. He agrees that he’s been too lenient and that she needs to grow up, but doesn’t want to pull the rug out from under her. What do you think?

Kelly

Dear Kelly,

There are two problems here. One is financial in nature, and the other is a lack of boundaries. You’re walking face-first into both of them.

Marriage counselors will tell you if you can agree on four things -- religion, money, children, and in-laws -- then you’ve got a good chance of having a successful marriage. You’ve got two of these yanking your chain right now -- money and children -- and they’re both wrapped up in one spoiled little girl. If you and dad really want to show her that you love her, you’ll make sure she starts learning some character and discipline.

I’d strongly suggest that you and your fiancé go through pre-marital counseling to make sure you’re on the same page when it comes to handling this and other issues. You might also want to read the book Boundaries by Dr. Henry Cloud, together. Then, the two of you will have some tools to sit down and create a reasonable timeline for her re-education. Her dad, not you, needs to present this to her and explain that he’s made some mistakes by not requiring her to grow up and learn self-sufficiency. Then, he can lay out the ground rules and a monthly timetable.

It wouldn’t be cruel to require her to get a job during the first month, along with getting out of bed by 8 a.m. every day. During the second month, you could also require her to do some work around the house to help out. During month three, she could be required to pay rent. This way, you’re stepping up the expectations gradually to the fifth or sixth month, when she’s moving out and taking care of her own responsibilities.

It’s all about love, Kelly. But it’s also about boundaries and expectations that will prepare children to function in the real world.

Dave Ramsey is a best-selling author of The Total Money Makeover and the nationally syndicated host of “The Dave Ramsey Show,” which airs locally on radio station 550 KTSA. View column archives at www.daveramsey.org. Questioners’ identities have not been verified by the Dave $ays column or this newspaper.
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

Section A: General News Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Appraisal district board votes to resume construction (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Baylor University awards Cody Soto (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Behind the lens: Swan lake (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Budget Blinds of La Vernia receives national award (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Celebrate hospital’s Grand Opening (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Children’s Alliance plans ribbon-cutting (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. County judge breaks tie vote (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cowboy Fellowship celebrates 13 years in Jourdanton (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Earth Day plant sale April 30 (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: It’s time to get out and vote for the best for our city (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Quit whining and play by the party rules (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Emergency-services area may expand to cover City View (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville chamber is on the move (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville Event Center’s no-BYOB policy here to stay (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville man honored with service award (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free ‘Shred Day’ in San Antonio (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get outside and connect with nature (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Help CASA during the Big Give (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Hospital receives audit report, notes record month (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia EMS: Four decades of care (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Learn about hosting a foreign exchange student (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Anyone listening? (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Clarity around FEDC contributions (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Unreliable weather forecasts (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Life Line Screening available (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Loan converts to a scholarship (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Master Gardener orientation (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Falls City ISD (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Floresville Planning & Zoning Commission (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Parks plan is still ‘wish list’ (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Ramirez promoted to Colonel (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Scammers target CPS Energy customers (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Support children through Big Give (April 27, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. ACTS skeet shoot May 7 in Marion (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Annexation for La Vernia EMS? (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Brahma Happenings: Jackson’s Journey, HOPE fund-raisers, more (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Challenger Water Solutions set to close deal in Stockdale (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Coach to take on athletics for his alma mater (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Community Resource Fair (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crisis Center plans fund-raising events (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. District 3 considers substation in Sutherland Springs (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Early voting begins on Tuesday in (another) election (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: The ‘voice of the people’ fallacy (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Elmendorf wades into developing its own municipal water system (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Emergency service, via helicopter (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Entertainment lineup for the Jubilee (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FEDC OKs July 3 ‘Freedom Fest’ (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville parks plan: an analysis (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Hail pounds ‘like a thousand hammers' (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Housing seminar set (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia: New home for Wilson County’s performing arts? (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: A word of caution to advertisers (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Eating sustainably (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Obama’s executive ‘lawlessness’ rears its ugly head (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Wilson County lacks animal control (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meet the Floresville candidates, ask questions April 21! (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Poth ISD (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Stockdale ISD (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Missions to include Floresville’s Rancho (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth VFW Post 8555 honors students, teachers, guests (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Small-business training webinars (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Special meeting April 21 for Floresville parks master plan (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Talk about boundaries (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Walk to end child abuse (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Wilson County’s unemployment rises (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Yanta: Prosper the work of our hands (April 20, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Apply now for Baptist Health Foundation community grants (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Authorities arrest cattle rustler (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Behind the lens: Screams, spins, speed (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Christian counseling comes to Wilson County (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Doctor will close Floresville office (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Before you reject the system, understand it (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Football great Will Smith and mental illness in America (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: White House needs a mature president — not ‘The Donald’ (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Federal funding for community projects (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free senior exercise classes at OKMH (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Kicaster Cemetery meeting April 21 (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia UMC to hold blood drive (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Extra effort (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: The importance of no Supreme Court hearing (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Mayor recaps infrastructure projects (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: China Grove City Council (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: La Vernia ISD (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Commissioners Court (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. National Lineman Appreciation Day (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pair face felony charges for graffiti on Enchanted Rock (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pair lead police on high-speed chase (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth cemetery plans cleanup (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pray to end child abuse on April 24 (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rainbow Play Systems recalls trapeze rings (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Registration for Alzheimer’s, dementia care training is open (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Save the date for Bike Rodeo, Bike-A-Thon (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Scammers hijack smartphones in new ransomware scam (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Selling sentimental stuff (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Start Smart your business April 28 (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale city limits expand (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale library seeks donations (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale officials approve open carry gun ordinance (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Truck strikes man on highway (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Vets service offers online links (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Workshop energizes teachers to educate about energy (April 13, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Adventure Run set for April 16 (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Authorities search for cattle rustler (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Behind the lens: Riveting reptile (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate blood April 8 (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. DWI crackdown targets Poteet area for weekend (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Political parties display hypocrisy over Supreme Court nominee (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: We are window-shopping for the next president (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Falls City Council seeks partner for sewer upgrades (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS addresses cost price hike as fuel costs decline (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS payment scam victimizes restaurant owner (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FISD plans Wellness Fair and 5K (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville plans community Independence Day celebration (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Injury accident (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Just be honest (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Learning opportunity for teachers June 6-9 (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: La Vernia ideal home for YMCA (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Leave political correctness out of Jaguar name (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: We are the stooges (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Little League Night in Floresville (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. LV Greater Chamber plans April 6 meeting (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. One-Act Play shines at District (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Online control system detects faulty switch, saves FELPS $750K (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Opry Jam Night April 7 (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Participate in Candidates’ Forum (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. State test glitches heighten exam anxiety for students (April 6, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Sutherland Springs woman: Snakes alive! (April 6, 2016)