Mianca
Appearances
The Ramsey Show
There’s Always a Way out of a Financial Spiral
Hi, I'm a single mom of two, four, and nine-month-old. Bless your heart. I have a mortgage, a car I'm upside down on. uh yes i have credit cards um student loans that i don't currently pay on to be honest i don't even know what the status is um and i just am looking for me so and i just downloaded the every dollar and started filling out the budget um i'm cutting out things like hulu i've just
The Ramsey Show
There’s Always a Way out of a Financial Spiral
deactivated it which is hard but that's good um I mean I am ready to take those hard steps but honestly child care in this area is like the wild wild west and um I do get help with one daughter but the other one I'm solely on my own so I'm looking at 1700 a month okay I make $115,000, but after like health care for all of us and everything, it just seems like I don't know what I'm doing.
The Ramsey Show
There’s Always a Way out of a Financial Spiral
On my car, I owe $11,402. Okay. Do you know what it's worth?
The Ramsey Show
There’s Always a Way out of a Financial Spiral
And right now I think it's worth a little under 400,000. Oh, interesting. Uh, and I took maternity leave, but my job doesn't offer it. So I did short term disability and I took a hit there. Um, so I'm in forbearance with my mortgage company that's coming to an end. So I've been making half payment.
The Ramsey Show
There’s Always a Way out of a Financial Spiral
That is $700 with the full mortgage payment.
The Ramsey Show
There’s Always a Way out of a Financial Spiral
I'm looking forward to getting one this year. I'm not absolutely sure because I did like the exemption because I needed all the cash. So I kind of dug myself out of that hole because I had a tax bill.
The Ramsey Show
There’s Always a Way out of a Financial Spiral
so if that's the case i want you changing that next thing are you investing at all um i have a 401k i do the match my company matches up to four percent okay so how much is that every every check um i think it is roughly around like a little under 300 mama