Dave Ramsey is a money-management expert, national radio personality and best-selling author.
I'm on Baby Step 2 of your plan, and I've taken a part-time job in addition to my regular job to help pay off debt faster. The problem is, I told my part-time employer that I couldn't work Sundays until 1 p.m., because I go to church. However, they've started scheduling me on Sunday mornings anyway. How should I approach this?
—Karen in Chicago
Dave Says: If it were me, I wouldn't have gone in the first time they tried that stuff. They're just seeing if they can abuse you, and you need to tell them very calmly and firmly that you can work Sundays, but not until 1 p.m. like you guys agreed to in the original deal. There are about 73 million retail jobs out there, and it's not uncommon to find some pretty dumb characters in that world. Don't get me wrong, there are plenty of very professional folks in retail, too. But sometimes you'll run across a Barney Fife type, who's on a power trip and will try to get away with whatever they can. Besides, it's not like it's a career job, Karen. Chances are there's another retail place next door or down the street. You might run into the same kind of mess at some other places, too, but there are lots of opportunities in retail. If these people won't work with you, go out and find a place you like with people who have the integrity to live up to their word. Just don't spend all the extra money you make buying stuff there!