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Travis starts us off this hour in Toledo hi Travis welcome to the Ramsey show

hi thank you for taking my call sure what's up I have a negative balance every

month and I'm kind of trying to figure out how to get positive again, starting off kind of a little rough every single month after bills and everything.

So your bank account is negative every month?

Like you're overdrawn?

Yep, I'm overdrawn.

I actually almost on a weekly basis.

You know, it's funny that you talk about this. I literally just got off a webinar about this

very thing. And at the end of the day, it's probably boiling down to budgeting issues. Do you have a

budget? I've been working on trying to do one. I recently got the Every Dollar App premium because it was able to track my stuff better.

But I'm struggling weekly with groceries.

It's just with the family of five, it's hard to keep it under a certain amount.

Okay, so I want you to not try to do the budget.

I want you to actually do it. I want

you to go in there, put the numbers in there. That's step one. You and your wife. Yeah. Have you

have you actually filled out a budget for the month? No. No, I have not. I haven't been able to figure it out.

Okay. So that's step one. Matter of fact, I want you to go to every dollar.com

slash budgeting when this call is over and I want you to sign up for the next webinar

because of the issue is, I've got it, is it, you know, is it I'm not, I don't have time to do it

or I'm not prioritizing the time to do it. I really want you to prioritize the time. Sit down

with your wife tonight. Start

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