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

Natasha is in Atlanta.

Hi, Natasha.

How are you?

Hi, I'm good and you guys.

Better than we deserve.

What's up in your world?

Well, my world 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 made good money.

My husband works in the film industry, and we end up moving to Atlanta so he had like a stable job here

and income and I am a teacher so we make around 80,000 dollars and sometimes it could be

all the way to 100 dollars 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, you know, 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 400 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, you know, if we're not going to even have enough money for the budget.

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