I Can’t Stick To A Budget!
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- Опубликовано: 10 сен 2024
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Meal planning has saved my budget. It’s something I do right along with my budgeting bc it’s the fastest way we break the budget. Know your weak spots and outsmart yourself.
Meal plan? :/
I REFUSE TO COMPROMISE ON FOOD >:(!
I feel you. I don’t exactly meal plan, but I make sure I always have my staples for the day prepped the night before. I’ll take out a pound of ground meat and put it in the fridge so I can cook it the next morning in less than 10 minutes. Every bit helps.
This works for me as well
214k in consumer debt . Unbelievable . Thats completely crazy
I could never sleep
I just love Ken.... that's how I feel after ordering extra fries. LOL!!! In complete shock how nonchalant this woman was in regards to her debt. "Too lazy to cook". How about you fry an egg with some toast or a bowl of cereal? SMH
Most Americans are clueless. Most people in the world are. God bless
Make some cereal! No excuses
I eat 2x a day breakfast and lunch. Make a smoothie buy the cheapest lunch or bring my lunch. Take my snacks to work. Water bottle, chips, and whatever else. No vending machine for me.
Caller refuses to cook, husband buys RV when they already have massive debts. Sounds passive-aggressive on both sides. They need marriage counseling.
They have absolutely no self control.
Same
Dave had a similar call and told the person who called that he can't give them the motivation and can't help them. They have to help themselves by getting serious. I think he ended the call shortly. I was stunned. But I get it - if the caller isn't motivated, you're just repeating things they know or will never do as long as they're not motivated.
Dave's advice works when people reach that sick and tired of being sick and tired moment.
This is actually very true. It goes with many things. Motivation is not something you can teach someone to have. They either decide to do it or they don't.
Good for Dave!! 👏👏👏
One of the things that really helped us stick to our grocery budget and stop eating out was by slightly increasing our grocery budget to enable us to buy a few added extras that could go with our meals to make them more interesting. You were looking at an increase of $10-$15 as opposed to an extra $60 plus every time you eat out. The next thing I did was get together about 10 different meals that could be cooked within a 20 minute time frame. It would take you that long to get ready to go out for a meal.
Solutions are great. Thanks for the ideas. People with focus deficiency need a low Histamine meal plan. They need to know if their B6, folic acid, B12 are in balance, as well as zinc, iron, D and much more. They don't absorb some of these and thus their brain makes more impulsive Meal arrangements. Neurodiversity and Emergency Responders can go hand in hand and most times they marry another person with the same brain type. Thus both are disadvantaged and succumb to temptation of eating out because their brain is tired. Meal prepping and storage in the fridge can increase histamines so that too is not a known fact and turning to it can make them slower at functioning in home decisions as a brain not fed on time can increase forgetfulness, change mood states, and more.There are genes involved that can't break down histamines in the brain. It's a vicious circle when you don't know how to manage your house to be able to make the meals in a timely fashion and to store one's energy which is at 75% on battery power of a non ADHD person at the end of a days work. Planning is the one gene we don't have. It'd be nice if we either get our bodies and mind in a balanced state and then learn skills to get a 2 week Meal Ideas plan so we can have diversity each week.
Eating out can be getting a Aldi's pizza, A loaf of french bread and a bottle of wine(date night) Take 18 minutes to bake the pizza. Make the bread into garlic bread and warm with the pizza . Plus, lunch the next day.
It’s definitely a behavioral issue and by choice to not follow the plan. I have been budgeting for three years and every time payday comes around I’m excited and look forward to budgeting and saving because it will give me a peace of mind knowing that my finances are being taken cared of.. that’s the goal of budgeting is peace! This woman doesn’t want to wait around until catastrophe strikes and THEN starts budgeting because of a hardship, but unfortunately that’s what kicks peoples butts and will learn their lesson is when disaster strikes.
Budgeting is fine, but at some point, you will have to make enough to just be free. All you will need is just a savings.
I find budgeting every week exciting and fun too lol. Never thought aboit it like that though, it's because of the peace of mind
I love how this conversation went: ”the problem is not your budget, but your debt."
Debt is not a problem if you pay everything after some time.
@@skyhighsunlight Yea but this is not good useful debt they are taking on. Mortgages are good debt, car debt is a very poor long term decision. Especially when people take on more than one car loan while they're still paying off their student loans and mortgage.
@@littleripper312 no debt is "good" debt. but carrying consumer debt month to month is awful!
A budget is only as good as the person as following it. What's the point of a budget if this person keeps shopping at Whole Foods instead of Walmart and eating at Red Lobster all the time instead of eating at home? She has to change her mindset and attitude from one that is lavish to one that is frugal.
How the heck do they make $120k...and have two grand in the bank!!! Insane.
Because $120k is not a lot
Ridiculous....I know people that make well under $120k and have more than $2k in the bank. But having alot of debt eats up all of what you make.
@@reese85i make 70k n i have 46 grand at 23
@@reese85 After taxes it's like $80k.
Edit: After health insurance and retirement it is like $50k.
@@reese85 Yeah it is lol. I make 40k a year and have a good savings.
Can't stick to a budget and won't stick to a budget are two very different things. They aren't sick and tired enough yet 🤷
Put cash in envelopes for each budget category each month. You will quickly see which category runs out. Evaluate and adjust. Create "set aside" envelopes for categories like insurance, property tax, and car repairs for expenses that come at different intervals. We've used this method for 10 years and it is the secret to a happy marriage.
You have to make sure your budget is realistically attainable in helping you work to your goals, but you also have to be hold yourself accountable to following through and you haven’t been willing to do that. You have to find it within yourself to stick to it. No one can fix that for you.
They will not do it.
They are not ready too..
I’m actually impressed they are actually able to keep current with all these bills. I imagine they’re in for a shock when they are forced to start making student loan payments again.
My kids kept making their payments even when they didn't have to.
@@jimroscovius Very smart
@@enricopallazzo3244 My kids didn't have to borrow much, but my daughter was mad when they stopped collecting, so we went online and started them back up, and she paid it off. My son's doing the same. I'll never understand why people want to keep debt. None of the excuses make sense.
@@jimroscovius smart kids
@@jimroscovius everyone was expecting a free pass on their debt, and theyre just prolonging payment
The amount of “adults” that don’t have SELF CONTROL now a days blows my mind. Then they call in acting like there is some unforeseen force keeping them from staying on budget. And, by calling in, it will some how magically get them to stay on budget. The real issue is in the mirror.
Agreed
Not hard to make a budget. These people don't want out of debt
"I cant do it" is an EXCUSE!!!!!!!!!!!!!!!!
She has taken the first step in making the call, admitting they don't know what to do, and asking for help. I hope it works out.
I could have eaten at home, not "could have ate at home".
Sell the house and live in the RV.
Get a Crockpot, fill it in the morning, eat at home in the evening.
So, she *says* she wants to get out of debt but she doesn't want to actually do the work to make it happen. Got it.
Dave would have been way harder on them.
I really want to know what the schooling was that cost over 100k in loan debt.
@Tavari ....and the kids....🤣
I like George Ken combo
Amazing how easy it is to dig into a hole and to keep digging, getting deeper and deeper. The solutions to the problems are so visible, but they really didn't want to affect their lifestyle. Not being in debt is a really great place to be and there will be some pain to get there.
Entitlement is the problem. They think they deserve to have cars, an RV and eat out. The haven't actually earned those things yet.
Impressive that she admits this. Most people don’t and just try to keep up with other people who are in terrible financial condition due to their own facade.
I had problem with budgets because of all the unplanned expenses that would come up. The trip to the hardware store or running to the supermarket. So I made my budget then had a generic spending bucket for whenever I used my debit card. Still struggled until I tracked that category in a spreadsheet on my phone. Found I was spending $600 for a $200 bucket. Now I track it through the month and adjust. You have to find the method that works for your situation. Now I'm down to less than $500 from a $725 bucket. And the extra is saved every month.
See what you spent in each category for the past few months. Cut a little bit from each category and that will give you a good starting point. A lot of work upfront maybe but it pays for itself every subsequent month.
Supper at home doesn't have to be extravagant. PB&J is simple. I had to give myself permission to let go of the idea that supper should be meat and potatoes and vegetables every single night.
Nobody should eat pb&j for dinner
@@reese85 Why not? Is it not food?
Yeah, I'm living proof that it's possible to survive with doing no actual cooking whatsoever.
@@reese85 I eat PB&J anytime of the say.
@@jimmymcgill6778 didn’t say you couldn’t eat it! I said you shouldn’t be eating for dinner! Jimmy stop switching up my words please
These are the perfect people for the envelope system. Cash for everything, handle the cold hard cash and part ways with the paper. They should either batch cook or meal prep (whatever works for them) to cut out the restaurants.
I wasn’t great with one so I had to find what worked and “dumb down” the budget. Set aside about half my paycheck for debt, about 100-200 for fun (short term and long term fun things), and the rest is for groceries/bills. I know it’s Dave-ish but making it simple has finally gotten me to stick with the budget.
Hey..good..who cares if it isn't 100 percent what Dave would approve ..IF...it gets you going in the correct direction.
Baby steps are better than no steps on trying to get back into shape ..
Good deal 😀
For God's sakes get rid of the RV. I'm sure they have an expensive truck to pull it.
Sell the house and live in the RV until their debt is paid off.
Discipline, Discipline is a must.
This call stressed me out. They will stay in debt until they are completely broken and understand that it's not "funny".
They will still be in debt in 10 years.
Yep, I could tell she doesn't actually care, despite claiming she does. I love how she claims their big issue is spending $50 extra a month on food or something, not the choice to rack up 214k debt. She is trying to hold on to that unrealistic lifestyle and using the Ramsey plan to convince herself it's all going to work out.
@@nathangallagher5112 Consumer debt is all about entitlement to things people haven't earned. It's a real problem in our society, people think they deserve to have cars, eat out, go on vacation just by default.
Definitely a self control issue not a budget issue
Discipline is part of being a mature adult.
Living frugally and intentionally is the best..i will never go back to how i was before!!
These people just love debt. Get rid of the RV. Stop eating out. Cut the lifestyle or wallow in debt all of your life. Your choice.
Or sell the house, live in the RV for a year or two and become debt free.
She isn't going to change a single thing.
Based on the conversation they won't be able to stick to it unfortunately.
Same. I'm gonna try to do better this year
If they wanted to get out of debt they would be out of debt. They just don't want it enough.
The problem is food prices high rocketed so does the gas prices three times more than previous years. Having set a budget is great but when prices rise like this overnight the set number for the budget does not tend to work specially if income stays the same but prices grow. I hope inflation stops it’s unbelievable .
300 week on groceries is my problem
People have no self control!
Yeah, she sounds really excited about working more. Seems like she expects her husband to work more overtime.
Uncle Dave would be fuming.
Rice and beans woman!!!!
She’s laughing and thinking it’s a joke 🤦♂️🤦♂️.
They make a good income. They don't have to sell anything. They just have to learn to budget.
They make 120k and have 200k in debt PLUS a mortgage. you cant be serious about not selling anything.
I really like George. Best personality of the Ramsey Team. 👍
A bit cringe sometimes but a great guy and an asset to this show
Honestly, I cannot either. But at some point, you will have to stick the savings into an interest bearing account and then the interest can be your budget range. This way, if you go over, you are still within a budget.
When’s Dave coming back? 🤔
Did I miss something? How do we get to 214 in debt - I miss the clarity Dave gets out of calls
You can make all the budgets you want, but if you don't follow them of course you won't get anywhere.
Sounds like she doesn’t want to be debt free she just wants to talk about being debt free
I’m struggling so bad with budgeting. I only make 18 a hour.
My rent is luckily 300 I rent a room.
From a family friend.
No car payment anymore.
Is paid.
50 a month gym.
45 phone.
100 car insurance.
Any advice?
Insane just insane
Make money to spend it
Have some emergency microwave meals in the freezer for those occasional days when you just can't face cooking - not as cheap as cooking from scratch and not as healthy, but a lot cheaper than eating out...
why even try to do a budget if you are not going to make a good attempt to stick to it.......does not make sense somehow......🤔
They, as a couple, need to be SICK AND TIRED of living with debt. Need the 'VISION" of freedom that comes from being debt free. Feel the joy as each debt is PAID OFF 👏👏👏
I learned I love fast food at home. Frozen peas/mixed veges and chicken In a sauce pan with water cover and dinner in 25 minutes
This couple needs to hold each other accountable. I've been there and budgeting, when followed, works. They can sell that RV for probably more than they bought it for.
Women are rarely ever accountable.
@@wewhoareabouttodiesaluteyo9303 Explain 😡
@@susanf4857 No laws are against you folks. Why should you be?
"We" is her.
NVM RV is them.
“You rack-a disciprine” Eric Cartman
everyone wants to live like a king with a peasants wage
They will stay in debt forever, because it really doesn't bother then. I would never be at peace if I were them,but everybody is different.
The budget here isn't the problem. It's their lifestyle choices.
Budgeting if you've never done it is a lifestyle and behavior change. And you have to get out of the "I want it, so I'm going to get it whether I have the money or not." It sounds horrible, but it is life changing when you get the hang of it. Being debt free is priceless. I don't think it can get any better. Once you conquer this lifestyle change, you will NEVER want to go back to being in debt and stressed out. Good luck!
214k in debt and still not worry about it 🤔🤔🤔
she isnt going to do a dam thing they say 😂
Typical American family…. Giving reasons to not cook at home & then crib about not able to stick to budget.
I can confirm from her social media page she is probably in more debt today
They've tried to budget which shows that the care. Selling vehicles is not going help them stick to a budget.
Yeah she’s not gonna do any of that.
I miss dave
I miss the waaaaambulance comment! Lol!
Did something happen to him?
@@XennialGuy I think he’s on vacation or something
@@XennialGuy he has one foot out the door to retirement.
At one time you could get a food cheep at little cease pizza, than the grocery store.
Ken is the man
I disagree with one of the co-hosts. This situation is NOT solvable unless there is a serious commitment on the callers part to make a change in the way they handle their money.
The situation is not solvable unless there is a commitment to solving the situation? Thanks, Einstein.
@@amireallythatgrumpy6508 Your welcome.
Sure the RV might be a luxury but Ken jumped right to "first thing is we sell the RV". Well, there is no "we" there it's the caller's property, and he should have premised that on "is the RV something that you think you get good value from? How do you use it?" etc. Also assuming that the photo business is just a hobby and not actually bringing in some actual income. They just lectured to her and I don't think she's going to change her behaviors based on this call.
I agree. And hubby might not be keen on getting rid of the rv.
Not really doing a budget then. Keep your receipts that has really helped our family. Get a crockpot and cook at home….easy.
It is a load of croc that I have to compromise on food! That is draconian!
Just because your income goes up doesnt mean your expenses need too. You get just enough money to afford payments on an rv and a nice car and house so you go out and get loans for all these things then end up in so much debt you cant pay it off when your making enough you should be able to but ya cant cause you wanted the brand new car and some toys
An RV? Lol
Cook your own food
Rent cheap place
Drive old car
Cut all entertainment
@DW-Documentary I don’t need money
Eating out lol😮
It's tough to teach people self-control
Do people not realize how delicious home cooked food is?
I know they might not be a fan but to quote Mr. Miyagi you stay focused your best budgeting is still inside now time to let out.
You're the best around!
Nothing ever gonna take you down!
@@High5748 Yeah you got it now go get your badass head band and so no mercy to the February bills coming up.
I make a third of what they make but still have five times more in my savings than they do 😳😳
Budgeting is a choice you are choosing NOT to follow the budget this is where the envelope system the Ramsey team sells works start paying cash for everything it wakes you up, I bet your drinking those $5-7 dollar coffee every day to
@TheRamseyShow-Telegraph sorry I don't do social media
Make $200k no debt except mortgage and $1.1Million in Fidelity account, not paying off my mortgage that is at 2.25% rate…stupid, Dave would say to do so but the math is simple and wouldn’t make sense
Im sure the banks would love you to pay off a low rate loan like that. I'm in the same boat with a 2.5% mortgage with 12 years left on a 15 year fixed. Instead of paying it off I opened a HYS account and funded it to the same amount as the balance of the loan. The savings account is earning 4.21% paying off the low interest mortgage.
I'm sure Dave would say it's still bad to owe many to a bank, but I'd argue the bank owes me too so we're even, and I'm making a margin on top.
Depends on how close you are to retirement, except that with that amnt in you retirement account, it hardly matters. People who don't have that kind of money saved and are nearing retirement, it is key to having your house paid off.
Give George his own show already... I don't wanna hear anyone else tbh, not even papa bear
Its easy Stop Spending Sit back relax and watch an interesting youtube diversify
I eat out everyday I don't have to pay anything because I'm a dishwasher.
I’m hearing no gazelle intensity.
Six figure income and broke…excess stuff & debt living like your drowning month to month is no life with guaranteed unhappiness.
These two are nuts.
Sell everything.
😆.
Where did Dave go?
I think travelling with Sharon
He said "F$%^ this $%^& I am rich as heck! Why do I have to help these losers?!"
He is working on his exit plan. He knows he is not going to live forever.
It’s a lazy issue.
If you are over 200k in debt you don’t have 2k in the bank. Living like a child.