emen

Live from the headquarters of Ramsey Solutions, broadcasting from the pods of moving and storage

of the studio. Since the Ramsey Show, where we help people build wealth, do work that they love,

and create actual amazing relationships. Open phones at AAA 825-225,

J. Washall Ramsey Personality is my co-host today as we answer your questions about your life and your money.

Natasha is in Atlanta. Hi Natasha, how are you? Hi, good and you guys.

Better than we deserve. What's up in your world? Well, my work has been upside down for the last seven years.

Me and my husband have, hasn't been very good managing money. I believe we both make good money.

My husband works in the film industry and we end up moving to Atlanta so he has a stable job here and income.

And I am a teacher so we make around $80,000 and sometimes it could be the way to $100 yearly.

But it has been a roller coaster for us to be on the same page. And finally we found your program and we're trying to make the right choices.

This next two months we're going to be like negative zero. We're just going to pay all our regular utilities and our payments are pretty high.

So we're trying to figure it out right now if we have to get rid of one of our cars, even though our cars don't pay as much.

We have one car is by 160 a month. The other is for 100 a month, monthly.

But we just don't know where to start right now. I'm going to do like a garage sale to make the $1,000 to start for our savings.

We have zero savings. We're just a mess and we need to know how can we start something.

Are you guys doing a budget? Well, that's the first thing we started. But right now the budget is ideally but we have so much things that are like overdue payments that

we're not going to even have enough money for the budget. We're going to have to catch up the next two months.

Well, doing payments and just doing payment. Well, I think that you're a little bit confused about how the budget is working. So what do you bring home every month around $4,000?

I bring 2800 and I often bring 6,000.

Oh, 6,000. Oh, okay. Great. So you're going to plug that into your budget. How do you do your budget now? Is it a spreadsheet? What are you using to create your budget every month?

I just have a, it's not really a spreadsheet. It is just a chart that I created and is we have $8,000 for $100 that income.

...