brought to you by the every dollar app start budgeting for free today well uh... long story short here we get found the randy show here about a week ago while regulations and i think that that and uh... as we were sitting down and going through getting our debt listed uh... small to be a start the uh...
baby steps we have found i found some uh... death of life and hiding from me uh... over again a lot of records mainly whoa how much and she is well we have one match that card for about thousand dollars and uh... the biggest point of it is that actually max out on mcdonald's because it was connected to her app and we have got rid of they just got a card off flight since june thought we got more of it she told me she had closed it out and that's a whole lot of como meals yeah was this was there's a lot on here which is sneakily going behind your back to mcdonald's and not telling me that all the stuff that's really really morning uh...
and just stopping you get better for you to stop at the end of pay on the app to get the line get the work and it just got out of the case you thought it was coming out of the debit count i mean excuse your debit card your bank account and it was actually on a credit card so was this malicious that she know that was not tied to the cars that you were aware of no i was on a phone so i thought it was close out but she just said that i have it uh... being a so connected you know that line of credit there she has very big problem of spending and recently because of this we have we've had and we talked and we have decided that i am going to go to financial side with bills and stuff okay correct she paid her that they'd mind and i am taking over and then we've got a budget set where we put money and savings we've got hit all this and really was that without more good fifteen thousand now with uh... but that that card with our joint credit card medical bill in the carl dying one day your family will have to deal with everything you leave behind so the question is will it be easy or a total nightmare that's where not box comes in knockbox is a kid fifteen categories in clear instructions they keep your family organized plan so they're not sitting through old paperwork and guessing passwords and dealing with lawyers so leave your family memories instead of a mess grab your knockbox kit today knockbox dot com slash ramsi for the best discount available that's not box dot com slash ramsi but you're a client combined income is about nineteen hundred but by weekly we need to make about forty four thousand a year so what's your question for us yeah how can i go about this to include her help helper with taking over the finances i want to be able to include her and hopefully maybe show her the numbers and the best way to go about it taking on all the finances but yet helper but she can eventually hopefully control money a lot better i think number one we have to realize that this is not a you know you're not the chaperone here you are as guilty of making a lot of stupid decisions as we all are so i think that's the you lead first by going hey i have not done a good job handling money i haven't done a good job leading us in this area i want to gather on this here's what that's going to look like you agree we're going to be weekly for a budget meeting we're gonna track every transaction is going to be nothing hidden everything's got to be on the table if this is going to work are you in do you feel the unity and teamwork in that conversation versus i i'm taking over because clearly you can't be responsible for you know very different condescending tone on that second one yeah and so if you want to get on board it's gonna start with you leading with empathy and creating vision for what this is going to look like and then her agreeing yes i agree to that great now we can actually set some accountability based on what we agreed to in the past which means we have cut up all credit cards about that have all credit cards been cut up and closed uh... does yes might know not yet and why is that uh...
just haven't done it i guess it is definitely no matter what i want to do i want to do it if i found the wife i see you still with your credit cards open go a little better i got how are you going to be over here tell me how it's gonna go but you won't even cut up your own cards yet secretary if i might and i don't want you to feel attacked at all by just in getting a sense that there's a real reason why you haven't done it for your own card yet what is it because when you pause i've just done this enough i got the ten thousand dollars what's going on there's a reason right now i really use my credit card right around i mean i have all my auto-place i'm off of it because they were living paycheck paycheck there is and my goal is to have money in that town but we don't have to do that gotcha and okay so so let's own that so let's own that if someone georgia after you were like i don't know you know exactly why you haven't done it and you haven't fully submitted to the idea of a budget and actually every dollar uh... being that's what we call our budgeting at every dollar you haven't submitted to that you need to download it in fact you know what we'll do you want let's what can we give him let's give him every dollar premium for a whole year so you guys are gonna get you started it'll connect to your bank account here's what you're going to do cut up the cards and you can set up auto pay on your debit card yeah so that's gonna be a little bit of homework for you to do and you she can sit there and you can walk her through it so she has total awareness about here here's where all the bills are here's how i pay them bring her into it instead of saying hey i'm gonna handle it you step away let her be a part of it and in that process say hey babe here's the deal uh in me leading us now and doing this like we're not using credit cards so if we don't have a budgeted for uh micky d's you know uh burritos and hush what do you call them hash browns hash browns yeah almost at hush puppy i got seafood on the mind but you know john's over there is no there is no wiggle room on this do you understand like i'm not trying to control you like we're in this together it's so if we budget fifty dollars a month for for mcdonald's that's it and i don't know how far that'll get you uh i feel like maybe we got to start eating at home and and you were gonna say that while we're in debt funny daddy well no i i just trying to teach a little bit here you come over the top of the world i got i got all fired up go ahead scream adam you're not gonna be inside a restaurant until when well zachary i just think if there's a commitment that we're both not going to eat out it changes the game and so then there becomes an inherent accountability and so if you guys get on that budget every single week sit down track your transactions against your one checking account that is shared that's going to create some momentum for your money and for your marriage i think this communication is only going to help the marriage i think so too zachary love love that you just joined us a week ago hang on the line we're gonna get you taken care of with every dollar you guys can do this uh love that you two want to work on it sounds like there's some harmony here early on and that's all it takes to work all right real quick before we go to break if you're gonna cheat at mcdonald's what's the one item you get your mr. budget it's on the dollar menu for sure i'm going value menu can i got you paying the cheese burger you just want to back the background yeah all right i think it's fries for me create your free every dollar budget today the simplest way to budget for your life