This is the Ramsey Call of the Day, part of the Ramsey Network.

We're going to Caitlin in Charlotte, North Carolina. What's going on, Caitlin?

Hi, guys. Hey, how are you? Good. So a year and a half ago, my husband and I bought a home, and it was a complete

fixer-upper. It took us about seven months to renovated. In the meantime, we lived with my parents,

and we had two kids at the time, and in the middle of it, I had another baby, and it was crazy,

but we ended up going about $45,000 over our original budget, which was kind of not a fault

because once we got into things, we realized, oh, wow, this needs to be done, this needs

to be done, and it just added up really quickly. So here we are a year later. And we are still about $40,000, $45,000 in debt from this house.

And we're kind of like, we don't even know, like, month to month is just really hard.

So we're trying to figure out where do we even begin. Like, we do have a van. So do we sell it?

Do we, like, what do we do? Possibly. Before we get into this, because you clicked, if I had an invisible

button, if I had an invisible button, Caitlin,

you accidentally pushed it because whenever people say, somehow we ended up in debt. And they

kind of make it seem like they had no hand in it. It just kidnapped them in the night and,

you know, did that. And I want you to, you know, like, let's be real

about that for a minute. Like, hey, we just were like, let's go on and do it. If we need to do this now,

let's go on and pay the money. We'll go ahead and go in debt to do it. So it's such a big part

of going forward with what George is going to explain to you next. The first part of that is going, hey, this didn't happen to me.

I made some choices.

I don't like those choices.

Yeah, definitely.

And that's what we're trying to fix.

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