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The Ramsey Show Highlights

I Trashed My Credit Now Can't Find A Place To Rent

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6 β€’ 682 Ratings

πŸ—“οΈ 27 May 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

πŸ’΅ Start your free budget today. Download the EveryDollar app! Did you miss the latest episode of The Ramsey Show? Don’t worryβ€”we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: πŸ“ž Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: πŸ₯ Learn more about Christian Healthcare Ministries πŸ”’ Get 20% off when you join DeleteMe πŸ—‚οΈ Use promo code RAMSEY for 18% off at The Nokbox πŸ› Get started with YRefy or call 844-2-RAMSEY πŸ” Visit Zander Insurance for your free instant quote today!Β  Explore more from Ramsey Network: πŸŽ™οΈ The Ramsey Show Β  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour πŸ’‘ The Rachel Cruze Show πŸ’° George Kamel πŸͺ‘ Front Row Seat with Ken Coleman πŸ“ˆ EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Brought you by Y-ReFi. Refinance your defaulted private student loans today at Y-ReFi.com slash Ramsey.

0:10.1

I have a two-part question, a little bit of background. I have worked for the last 10 years as a travel nurse,

0:17.2

and I was making pretty good money anywhere from like 16 to 18,000 per month.

0:23.3

And I'm a single mom of six and in December one of my children actually unfortunately

0:30.8

tried to hurt themselves. And so I gave up traveling and I took a local contract to be there to support them.

0:40.5

And it came with a huge pay decrease.

0:44.2

And so suddenly my budget was not very good, very affordable anymore.

0:49.8

But unfortunately, I had never really managed that money well, even though I was making

0:54.8

a lot. I was spending even more. So I do have poor credit. I have an eviction on my record.

1:00.2

I have a repossession on my record. And so when I kind of found Dave and money makeover

1:06.5

and I sat down with every dollar budget, the clear answer was to move out of our rental because we have a very expensive rental home.

1:14.0

But as I started looking, nobody would rent to me.

1:16.9

So the first part of my question is if you have any suggestions for alternative renting, like rental avenues,

1:23.7

to kind of get us out of this because that would free up a lot of my budget.

1:27.4

And then the second part of my question is I've because that would free up a lot of my budget.

1:34.3

And then the second part of my question is I've heard Dave say he has a Ph.D. and D.U.M.B. and things like that on the show,

1:46.6

I am having a really hard time with the shame and the guilt of not being able to provide for my family because I made so many poor decisions. And if you guys have any advice on how I kind of jump that hurdle of the emotional weight and just feeling so

1:55.4

pathetic. Well, let me jump in. Let me jump in real quick. I'm so glad you're sharing that with us,

2:00.7

but you aren't

2:03.5

pathetic and you are going to have to forgive yourself. You know, the kids are doing their thing.

2:11.4

That's going to all cycle out. I think a lot of this is a tremendous amount of guilt and shame

2:15.2

over the kid who's trying to hurt themselves.

...

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