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Date Night Can Be Inexpensive and Fun!

Q. We’re trying to get control of our finances by living on a budget. We also have about $18,000 in debt we are trying to pay off. My husband brings home $3,400 a month, and I am currently taking care of our eight-month-old baby. We would like to have a date night once a month, and he thinks we should set aside $200 for this. Under the current circumstances, I feel like this is too much. What do you think?

A. If you’d told me you guys make $150,000 a year, I’d say go have a great time. But with your income, and a lot of debt on top, I’d put the brakes on that amount. It sounds like he’s looking for an outlet to unwind and have a little fun, without giving a lot of thought to the big picture. The good thing, though, is you’re working together and beginning to take this personal finance thing seriously.

My advice would be to lower the date night amount to about $50 right now. That’s plenty for a reasonable dinner and a babysitter for a couple of hours. You might not have to figure babysitting expenses into the equation at all if you have family or friends nearby.

Going out on a date doesn’t have to mean spending a lot of money.

Years ago, when my wife and I were broke, we did tons of stuff that didn’t cost a dime. Things like hiking and picnics are great ways to spend quality time together, while keeping your pocketbook in your pocket. Just be creative, talk about it together and make sure you find ways to have a little us time on a regular basis.

Should I Tithe On My Business?

Q. My wife and I are Christians, and we own a successful small business in our town. Should businesses tithe?

A. This is a good question. Giving is never a bad idea unless you do it irresponsibly and to the point of putting your family in financial danger. To the best of my knowledge, the Bible only addresses the topic of tithing by individuals—not businesses.

 

Personally, I don’t give a tenth of my business gross or net until I receive my paycheck. When that happens—meaning it’s profit that I’m going to pay taxes on, or it’s salaried income out of my business—I tithe on the profits.

 

So, I can’t really tell you I’ve found Biblical instruction to give a tenth of your business. Hope this helps!

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Dave Ramsey
Author: Dave Ramsey

David Lawrence Ramsey III is an American radio show host, author, and businessman.

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Dave Says

by Dave Ramsey time to read: 3 min