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This is a bad money habits our on the Dave Ramsey show up next is Salt Lake City sandy is -- -- sandy -- you know.
I'm great Dave how are you better than I deserve what's yeah.
Well you're going to be the first page parent Africa and that this -- locally.
But I have a terrible capitalists payday loans and downtrend -- now.
-- I know it's that it's added it's been -- thing it's not often.
But I -- that the cash flow from mom and probably every several months.
-- -- leave the room.
So I low.
You know what do.
One or two and end up being 800 dollars and think come up then and that's what I do and it's -- because I don't have to admit anybody.
And you are you single.
I am I think I'm a single mom and have a preschooler what are you making your -- 36000.
-- -- And so and a life happens you don't have a plan so you run of those guys and get ripped off.
No that's actually my true it earned.
Bad many habit is that I grew up and we lift for the moment there's no critic for the future if there's now.
Taping her neck -- it's all about right now.
Oh you admitted it out while.
I -- you said it and you didn't die from saying it.
No I did and that is that's how that feeling different pilots and -- seeing them edit the scariest thing I need -- I don't want to be like back.
What I want to you know I want a couple life for -- K then.
-- -- scared culture.
There is there is that there because you know if yeah yeah I feel you.
-- now ordered and stuck and that's the only place to go.
This bill comes first and I have to artists that first and then the -- people their tests.
Half of -- -- illegitimate anyway so you know what I mean.
It felt like bill comes first light comes first.
I needed strategy I believe and here it is then I -- cannot cash basis.
Probably year and a half ago because.
Overdraft fees are the same thing I think attack if you write a check today and I can't cover it three days.
So you know I.
It I can't imagine them out of that indicated over -- over the last year and a half -- -- correlation.
The -- that -- paying with.
Like 900 in 2000 person.
There's not any better but it seemed less viable because it's only about 400 dollar.
-- -- -- it's it's a small amount nominally so it.
It's not as glaring.
But it does help authentication -- -- you know we can -- any thing you feel out of control.
Yes I do I even had an -- and she got the -- kick it -- I don't.
-- -- not -- moon it in the same tired -- but yet but yeah.
-- -- -- -- -- -- -- -- And so if you were to sit there and with some.
A 27 year old mom.
-- church who was having trouble with money and she told you this what would you tell -- You're older and one out.
How I can I felt for you at that I -- that -- what you knew the situation.
-- Yeah I -- is obviously as.
I think if I went two months without that extracurricular things that we -- who I would probably soak up.
Dollars in -- savings account and you leave it be.
You know that mentality when you have many don't and that didn't.
That when I have -- any kind she's -- at -- the end.
And I don't want to let it go when you don't have that.
I have an -- left -- has -- I'll say what I heard and and and the community -- -- uniter just hanging out talking about this arm.
I've done a lot of stupid things myself but I hear a whole lot of your decisions whether it's saving.
Whether shutting down the account and going to cash which are two positive things.
Or whether it's a stupid things like overdraft.
Payday lending a lot of those decisions are all seem to have one common trait they're all based on fear.
And I that's probably very true.
-- for a lot.
Well you don't have -- want to -- stadium.
I'm I must say it appears not justify.
I think it probably -- at times.
You know you you said that this is the first time I've ever said this -- allowed.
And there are some power -- saying something out loud there's kind of a cleansing that happens when you do that it's -- like confessions good for the soul you know like -- yeah.
And there's also some power for me to just say that out loud and say because your intellect just grasp that wrapped around that said -- I'm not fear based person but I'm doing some fear based decision making.
And you already are starting to go -- that that that's what we can do that and just let me say and then -- tomorrow.
I'm down -- that.
All right well help because I think you can break -- you've got you've got the mental power to break it it's just a matter of you need a system and you need some accountability.
Accountability someone who loves you enough to get your -- Yes I have no accountability that has.
You know and talking to get thirteen weeks of accountability it's called financial issue diversity our class -- -- to go -- class is my gift.
Out -- -- pay for it under one -- to conditions number one you promised to attend every class of I give it to you free William.
I promise kind the second thing is when you're rich and famous someday and you got a -- pie honey I want you to find some single mom -- scared.
I don't know what you pay for her go the -- I was -- that Billie -- the it is.
I don't pay it forward.
So you hang on the -- will pick up I think the accountability -- -- small group discussion at.
After each -- the lessons in this and people -- mean about it.
But they'll call you out especially if you find someone in there this gentle and strong that you're comfortable with that you've become open up to.
They'll hold you accountable and that's how you modify behavior you have some -- will and a look at -- go -- stupid stop it.
And you gotta be willing to hear from him I know I'm laurel pick up we'll get you started more -- your calls.
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