Friday, September 4, 2015
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Lost & Found

Lost: Small black/white tortoise shell cat, 1-1/2 years old, Aug. 8, Country Hills area, La Vernia, friendly, "Cinnamon" but responds to "Kitty," rhinestone collar w/bell, shots, spayed. Reward! 210-725-8082.

VideoStill missing: Long hair Chihuahua, near 3rd and Hwy. 97, Floresville, she is very missed. If you see her please call Jeri, 409-781-3191.

VideoLost: Shih Tzu, male, golden brown, from C.R. 320 in Floresville. If you have any information call 210-452-1829 or 832-292-3305.
More Lost & Found ads ›

Help Wanted

*Fair Housing notice. All help wanted advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise "any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention, to make any such preference limitation or discrimination." This newspaper will not knowingly accept any advertising for help wanted ads, which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.
Dean Word Company needs construction laborers. Paid holidays, vacation, health insurance, 401K. Contact Miguel at 830-643-9291. We are an Equal Opportunity Employer and encourage females and minorities to apply.
More Help Wanted ads ›

Featured Videos





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

Section A: General News


Bad boat deal




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
August 8, 2012 | 1,143 views | 2 comments

Dear Dave,

My wife and I are on Baby Step 2 of your plan, and we’re paying off our debt. I’ve been trying to sell my motorcycle and listed it for $5,000 on Craigslist. The other day, a guy offered me $2,000 cash and a boat for the bike. I’ve always really wanted a boat, but I’m not sure this is the time. And the money would only make a small dent in our debt. Would this kind of deal be legal in the Dave Ramsey universe?

Matt

Dear Matt,

It’s an interesting deal, but at this stage of the game I think you have to ask yourself what your goal is. If it’s to get a boat, then you’ve accomplished that goal. However, if your goal is to get out of debt, this deal doesn’t get you where you want to be. Plus, it could add even more expense and hassle to your life. Upkeep and maintenance on some boats can really add up.

But this is Matt’s universe, not Dave’s. In my mind, getting out of debt comes first. There’s plenty of time later for you to save up and buy a nice boat after you get control of your finances. In this scenario, you’re simply trading one recreational vehicle for another.

If you’re on Baby Step 2, it means you’ve already got $1,000 in the bank for emergencies and have moved on to paying off all your debt, except for your home. This tells me you guys are motivated, but the idea of a boat has caused your resolve to waver a little.

So, if you’re looking for someone to tell you to forget the boat and stay on track with getting control of your lives and money, then I’m your guy. Don’t do the deal!

Dear Dave,

I’m trying to convince my husband to leave his debit card at home when he goes to work. He says he wants it for emergencies, but he’s always using it for other things. I’d rather him just carry a very small amount of cash so he’s not so tempted. What do you think?

Haley

Dear Haley,

I understand your concern, but I think you’re wrong on this one. I carry my debit card with me everywhere I go, and I want my wife to do the same. What your husband needs to stop doing is having “emergencies.” The translation? Stop the impulse spending!

Now, this could be happening for several reasons. It could be that he’s a good guy, but he’s just not paying attention to how much he’s spending. On the other hand, you guys may not be budgeting for fairly reasonable things -- like if he wants to eat out for lunch once in a while.

But even if he’s not using it, he should still be carrying a debit card. I mean, what if he has a real, actual emergency? The idea that you shouldn’t carry a debit card just because of impulse spending isn’t a good plan. Things like that aren’t debit card problems. They’re either maturity problems or a lack of realistic budget planning.

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

 
arthur ximenez  
floresville, TX  
August 8, 2012 6:45pm
 
boat bad idea b. o .a. t stands for break out another thousand! i loved my boat was so happy when i sold it.

 
Billy Bob  
Texas  
August 8, 2012 4:40pm
 
This guy Dave went bankrupt and now he is telling others how to manage their money-What the heck? Matt, Forget the boat and get a Yugo or Pinto and deliver Pizza. A boat (any boat) is an alligator. It will eat your $$$$$ faster ... More ›

Share your comment or opinion 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. Brownlow: Little chance ‘fracking’ could hurt water (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. City’s proposed budget, property taxes raise questions (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. County Commisioners ‘buckle up’ on $24M budget (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. De Leon family sells Olivia’s San Antonio location (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Distracted driving program new requirement for teens (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Coca-Cola to obese people: Hey, exercise more! (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: How will voters sort through all the candidates? (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Libs: Symbols mean something — unless we disagree (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville awards contract for event center repairs (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville elections take twists (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville struggles to ‘play ball’ (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free webinar series for small businesses (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. From student job to interim manager (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Karnes airport gets $2.1M in funding (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Labor Day office closures (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Karnes County officials continue spending (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Urgent: Nix Iran deal (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Voter ID thumbprint (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Make your way to Feather Fest (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. MedDropSA is Sept. 5 (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: East Central ISD (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Oscar Mayer issues recall (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Paid firefighters could aid La Vernia volunteers (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register to compete in Adult Literacy challenge (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Relay committee to meet Sept. 8 (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. SARA approves study of Floresville’s River Park (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Sponsors needed for Conversation with Constitution event (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale council approves $2.07M 2015-16 budget (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Substitute teacher training dates set (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. TEA lauds Falls City, Poth (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. The best medicine (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. VA cuts backlog (September 2, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Welcome back! (September 2, 2015)