Dave Ramsey

You can buy meat at many warehouse stores, through online farm-to-table suppliers like Zaycon Fresh, or straight from a local farmer in your area (use a website like EatWild to find a farm near you). Let’s just cut to the chase: If your grocery budget is tight, dropping $75 on a big pack of meat in one month won’t be the right thing for you. But if you toss those bars into your kid’s lunch box every day (and you already plan on buying 24 of them anyway), going the bulk-buy route would save you right around $10. Whether you’re buying in bulk or not, make sure you plan out your grocery budget before you ever set foot in the store.

Over 44.2 million Americans are paying off a national student loan debt of $1.48 trillion—and, in 2016 alone, the average student loan debt was $37,172 per graduate! In fact NAR reports that, second to student loans, the two expenses that delayed saving for a down payment were credit card debt (32%) and car loans (32%).(4) That’s why it’s important to have a strong down payment—not only to lower your interest rate, but also to help you pay off your mortgage even faster. Keep your monthly housing payment (which includes mortgage, taxes, insurance, HOA dues, etc.) to no more than 25 to 30% of your take-home pay on a 15-year, fixed-rate conventional mortgage.

If you’re about to close on a house, congratulations! It wasn’t easy to land a deal on your dream home in this hot market. You’ve probably had to scratch and claw your way to secure an offer

When it came time for Terri S. to upgrade her home, she knew exactly who to call—the same agent who helped her buy her home years ago