Brianna (Caller)
Appearances
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Hi, yes, I have a question. Well, I need some advice. Me and my husband are thinking about selling our home because we're just drowning in debt, and we just don't have any other option to try to get out of it but to sell our home. So, yes, that's my question.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Okay. Well, we are just drowning in debt. And I know y'all always say sell the cars and we looked into it. We owe, in one of our cars, we owe like $9,000. Okay. And we try to see if we can sell it, but we will be under. It's really not worth selling. It's just, I guess right now we're just better off paying it off. And the other one is $12,000. And that one as well is negative.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
So we're like, okay, we might as well just try to hang on to those and try to pay those off. And everything else is loans and credit cards, student loans. Go through the other ones.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
And then loans, like personal loans, you know, like $20,000. Okay. Credit cards is around like $35,000 to like $40,000. Okay. Student loans is, my husband's is like $73,000. Okay. How much are yours? I don't have any. Good. And my real, the IRS is like $9,500. Okay. And then I have medical bills that's like $3,000.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
A combined income is like $10,500 to like $11,000.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Like the debt alone is like $4,000, probably a little bit more.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
The mortgage is like $3,100. Okay.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
The house, we bought it for $386. What's it worth?
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Right now it's worth like $385, $387.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
I know. We owe $340 on it right now.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Right. That's what we were like, okay, should we just try to
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
fight for it or should we try to sell it and try to at least get out of it jade's got something to tell you i mean the only thing why i was we were thinking is because my husband drives like an hour and a half commute to uh his job okay interesting so uh he wanted to move closer to his job because it's a long drive could you rent for less money in that location sorry jay that's okay
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
The rent's probably going to be like $2,000.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I would definitely move. So he has to drive into the office. Uh, three days out of the week. So two days he'll work from home, but three days out of the week he has to drive to the office.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yes, we both work. So he has his main job and then he has a part-time job on the weekends to make like some extra income. I try to work overtime. I work at a daycare. So I try to work extra like overtime whenever I can.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
It varies. It depends on the teachers. Like I just found out I have COVID, so I have to be out all week.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
I tried the dollar thing. I just downloaded it. Okay, good. I did like the free trial thing, but I'm going to have to cancel it because it's like $18 a month. Okay.
Watch What Crappens
#2768 Below Deck Down Under S03E07: Letters From a Go-Go Poet
I need more communication.
Watch What Crappens
#2768 Below Deck Down Under S03E07: Letters From a Go-Go Poet
And Alicia's like, sorry, I love spice.
Watch What Crappens
#2768 Below Deck Down Under S03E07: Letters From a Go-Go Poet
Why is Harry walking so slowly out of the room? Just try and take it a little slower.
Watch What Crappens
#2768 Below Deck Down Under S03E07: Letters From a Go-Go Poet
Did he mean this time zone or in America? Because it's not morning in America. It's so confusing.