Ken Coleman

It's kind of yuck.

It's kind of yuck.

And how many months, Jade, would you say, rule of thumb, it takes somebody to go from, oh, I hate budgeting to, okay, I got this.

And how many months, Jade, would you say, rule of thumb, it takes somebody to go from, oh, I hate budgeting to, okay, I got this.

And how many months, Jade, would you say, rule of thumb, it takes somebody to go from, oh, I hate budgeting to, okay, I got this.

And don't expect the first budget to be great, Catherine. I've heard Dave Ramsey say that a million times. This is a process, and so you've just got to do it. You've got to just rip the Band-Aid off and go, I've got to start diving in, which means I'm going to have to change my spending. You said this was the first month, either in a long time or ever, where you couldn't pay your credit card.

And don't expect the first budget to be great, Catherine. I've heard Dave Ramsey say that a million times. This is a process, and so you've just got to do it. You've got to just rip the Band-Aid off and go, I've got to start diving in, which means I'm going to have to change my spending. You said this was the first month, either in a long time or ever, where you couldn't pay your credit card.

And don't expect the first budget to be great, Catherine. I've heard Dave Ramsey say that a million times. This is a process, and so you've just got to do it. You've got to just rip the Band-Aid off and go, I've got to start diving in, which means I'm going to have to change my spending. You said this was the first month, either in a long time or ever, where you couldn't pay your credit card.

So I think that's coincided with this phone call. Am I right?

So I think that's coincided with this phone call. Am I right?

So I think that's coincided with this phone call. Am I right?

Yeah.

Yeah.

Yeah.

Let her see the budget. Show her. Go, hey, mom's making some changes. I want you to understand what I'm doing. But more importantly, I want you to understand why I'm doing it. And she ain't going to like it. I've never met a 13-year-old who's really thrilled about you cutting some of their frills or whatever. So be prepared for that as well. But, Catherine, I just sensed this entire call.

Let her see the budget. Show her. Go, hey, mom's making some changes. I want you to understand what I'm doing. But more importantly, I want you to understand why I'm doing it. And she ain't going to like it. I've never met a 13-year-old who's really thrilled about you cutting some of their frills or whatever. So be prepared for that as well. But, Catherine, I just sensed this entire call.

Let her see the budget. Show her. Go, hey, mom's making some changes. I want you to understand what I'm doing. But more importantly, I want you to understand why I'm doing it. And she ain't going to like it. I've never met a 13-year-old who's really thrilled about you cutting some of their frills or whatever. So be prepared for that as well. But, Catherine, I just sensed this entire call.

And by the way, I just want to encourage you. Uh, you've been through a lot and you've just, you've just feels like you've come out of a season where you have just been all grit and your body, your mind, your spirit are just fried. And I think you're going, I can't start a new discipline right now. And that's not the case. So, uh, be encouraged. You can do this. You've done it before. Yeah.

And by the way, I just want to encourage you. Uh, you've been through a lot and you've just, you've just feels like you've come out of a season where you have just been all grit and your body, your mind, your spirit are just fried. And I think you're going, I can't start a new discipline right now. And that's not the case. So, uh, be encouraged. You can do this. You've done it before. Yeah.

And by the way, I just want to encourage you. Uh, you've been through a lot and you've just, you've just feels like you've come out of a season where you have just been all grit and your body, your mind, your spirit are just fried. And I think you're going, I can't start a new discipline right now. And that's not the case. So, uh, be encouraged. You can do this. You've done it before. Yeah.