Friday, May 27, 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


VideoLost: German mix, male, tip of one ear missing, micro chipped, last seen with blue collar and blue bone tag with name and house number. Call if found, 830-779-2512.

VideoMISSING TORTOISE from S. Palo Alto Dr. in Estates of Eagle Creek on May 17th. If you see him, please contact us @ (210) 913-4558 or (830) 393-4030.
Reward! Lost: Fox Terrier, white and orange female, named Sara, no collar, went missing May 1, near F.M. 775 and 3432. Call Lindsay at 210-284-0094.
More Lost & Found ads ›

Help Wanted

Landscape foreman needed, must have experience in masonry, irrigation, planting, etc.; pay $12-$16 per hour. Call 210-494-6469, Hill Horticulture, Inc.
Very part-time help needed to feed cats, chickens, and horses, Monday-Friday, 2 times per day, morning after dawn but before 9 a.m. for approx. 30-45 minutes and p.m. before dark (summer about 6-8 p.m., winter 4-5 p.m.) for approx. 60-90 minutes. Suitable for someone who lives near location, which is exactly halfway between New Berlin and La Vernia. No smoking and requires working in all weather conditions. Long term job, it will not replace income, it will supplement. 830-372-5762.  
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


Dave says: Don’t ask for Murphy visit




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
April 24, 2013 | 1,474 views | Post a comment

Dear Dave,

Is there ever a time you should dip into emergency fund savings in order to pay off your home early?

Eric


Dear Eric,

The only time I would advise this is when your emergency fund is too big, and you have a very small amount left to pay on the house. Keep in mind that your emergency fund should be three to six months of expenses, not three to six months of income. Besides, paying off the house doesn’t fall into the category of an emergency. The fact that you have to pay for your house doesn’t catch anyone by surprise.

I understand it can be very tempting to throw a bunch of money at your house, get rid of the mortgage payments, and own it outright. But I wouldn’t drain my emergency fund to make it happen -- even if it meant being completely debt-free sooner. Life happens, and the moment you write that big check and weaken your emergency fund, the central unit will go out, the roof will spring a leak, or you’ll have major repair issues with a vehicle.

When you do things like that, you’re just begging for Murphy to come visit. And that’s not my definition of financial peace!

Dear Dave,

My husband and I have a baby and are trying to live on a budget and pay off about $14,000 in debt. He wants to spend $100 a month for a date night, but I think this is too much under the circumstances. I’m a stay-at-home mom right now, and after taxes he makes about $3,200 a month. What do you think?

Ashley

Dear Ashley,

You win on this one. If you’d told me you guys make $150,000 a year, then I’d say he was being completely reasonable. But with your income and a lot of debt to boot, it sounds like he’s just looking for an outlet to spend some money. The good thing is you’re working together and beginning to take this personal finance thing seriously. You’re just a little bit apart on the particulars in this area.

I think you back this amount down to $40 or $50 for now. That’s plenty for a reasonable dinner and perhaps a baby sitter for a couple of hours. If you have family or friends nearby, you might not have to figure baby-sitting expenses into the equation at all. Keep in mind, too, that going out on a date doesn’t have to mean spending money. Years ago, when my wife and I were broke, we did tons of stuff that didn’t cost a dime. Picnics in the park or a pretty hike through the woods are great ways to spend time together while keeping the pocketbook in your pocket.

Be creative and make sure you find ways to have “us” time on a regular basis. But you’re right on this one, Ashley. You can go out and have plenty of fun together without spending a lot of money!

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. American Legion ceremony (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Annexation for fire services will be on November ballot (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Boy Scouts, Girl Scouts to honor fallen heroes (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Camino Real plans Open House events (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chief Hull resigns from Poth police (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. County sets sights on new tax (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Grim choices have put America in a grave situation (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: On the other side of politics in a world of digital divide (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Fire, EMS services — Who’s got you covered? (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. It’s okay to take control (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Free ride over hard work … a no-brainer! (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Housing Foundation expresses gratitude (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Mainstream media ‘brainwashing’ Hispanic/Latino voters (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Memorial Hospital District (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Memorial Day office closures (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. One viewpoint: Making Floresville marketable with recreational facilities (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Parish plans Cemetery Ceremony (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police arrest man in case of burned body (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police ticket six for violating cell phone ban (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Post 539 service (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth electric vehicle users could be in for a shock (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth High School students earn awards (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Severe storms shred Wilson County (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. SSCA ceremony (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Teacher salaries, student lunch prices on the rise (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tejano music to fill the air during Labor Day event (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Turner: New businesses coming to Floresville (May 25, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Berger earns Ph.D. from Columbia University (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Brahma Happenings (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Burning body spurs murder investigation (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Can I negotiate? (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Narrow views promote intellectual, moral dry rot (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: The political climate in America goes from bad to worse (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Falls City ISD’s new K-12 building almost complete (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville parks master plan would relocate ball fields (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville parks plan wins council approval (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Foundation awards $9K in grants (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Foundation opens health grant process (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Graco recalls booster seats (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Grass fires on the rise (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: An open letter to Congress (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Illegal immigration: Who will laugh last? (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: What Hispanic vote? (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lone Star Greys to meet (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: La Vernia City Council (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Poth ISD (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police recover one of two stolen trucks (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register for free watercolor lesson (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale campus to get upgrade soon (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale City Council approves electronic payment processing (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. TAMU-SA matches student scholarships (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Time to make plans to attend Jubilee (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Want fire protection? Attend May 19 hearing (May 18, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Acme Gold Buyers marks fifth year in Floresville (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. All Veterans Job Fair (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cemetery group to meet (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Children’s Alliance enhances care services (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. China Grove mayor, police chief trade barbs at meeting (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Commissioners lukewarm toward hot coffee at library (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Competency and integrity (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Coy to get Ranger Cross (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cub Scout Roundup (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate blood in May (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editor: Trump’s candidacy sets in motion affliction in future elections (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: The voters have spoken — well, some of them have! (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Former Sutherland Springs VFD considered as a substation (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free caregivers class starts May 26 (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Information sought in Walmart theft (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lack of super majority vote keeps Clean Water Rule flowing (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Leetter: The government is a terrible investor (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Injection well site is near river, creeks (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Stop being negative (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. LV youths win new wheels at Bike Rodeo (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: La Vernia ISD (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Mineral rights workshop set (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Miss LV Pageant, Bluebonnet Parade, graduation fill La Vernia calendar (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. New Wilson County justice center nears completion (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Personalized brick for Veterans Memorial (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Precinct 3 primary runoff is May 24 (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rangers to honor Lorenz (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rohrs takes over Floresville athletics (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tanneberger qualifies for Executive Club membership (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Voters respond: One bond passes, another fails (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Wednesday morning crash injures nine (May 11, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. AACOG plans public meeting (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Accident injures two drivers (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. AgriLife offers tips to protect from Zika, other mosquito-borne diseases (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Behind the lens: Solitary stillness (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Celebration Mass June 12 (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cemetery association meeting (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Condos are fine, but do your research (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crime Stoppers aids police anonymously (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. DA, DPS bust nets 86 charges (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Debate over citizens comments dominates Floresville council (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dwellings At Home offers lodge, ranch furnishings, more (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Overbearing city council threatens boards’ independence (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Taking personal responsibility will bring possibilities (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Trump is the same old song with one more verse (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FEDC tables recommendation of master parks plan (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS tornado repair continues as FEMA help stalls (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville Chamber Luncheon May 18 (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Hall of Fame inductees: Joe Kotwig, Malcolm and Beverly Talley (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Alamo Colleges: A bust for Floresville (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Local nursing homes plan Senior Olympics May 9-13 (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Look twice for motorcycle riders (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lyssy’s vault earns gold, sets records! (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Medicaid, CHIP application assistance (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Commissioners Court (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. National Day of Prayer May 5 (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Ramirez promoted to colonel (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Reserve a seat for SA Tea Party (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tanneberger tops in sales (May 4, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Treviño prepares to take reins of East Central athletics (May 4, 2016)