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Live from the headquarters of Ramsay Solutions broadcasting from the pods

moving in storage studios. It's the Ramsay Show where we help people.

Build wealth. Do work. That they live and create actual amazing relationships.

J. Washall Ramsay Personality is my co-host today, Open phones at

Triple 8 825 225. Mia is in Massachusetts. Hi Mia welcome to the Ramsay Show.

Hi thank you for having me. Sure what's up.

So about three weeks ago I went to one of those required return meetings for work and

they referred me to a debt counselor due to my debt and the debt counselor recommended

bankruptcy. So I went home and spoke with my husband. We bought your book the total money

over right in two days. We're fully committed. We have about $1,500 already in an emergency fund.

So we're trying to move on to baby step two with the debt snowball. We stock using all our credit cards.

We listed all our debt in order and we're trying to make a budget. The budget is really hard because I have five kids

and it seems like emergency here costs are happening. Last month we spent over $3,000 in car repairs.

And just yesterday we had like a surprise $50 back the phone fee for my son. There's just so many unexpected

fees and costs for seven people bumping around in the world. Prior to this money makeover we

lived really simply. We only went out to dinner like once a semester for good report cards.

Our education issue was afforded camping trip in the tent. So you know we're selling everything.

We're selling so much that the kids think they're next but I'm worried that we're still going to end up with

too much months and not enough money and that we won't even be able to get to the debt snowball.

How much debt do you have?

I have between 20, 34, 37, 47 with the car and not including my mortgage.

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