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Kristina Ellis

👤 Speaker
1058 total appearances
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Appearances Over Time

Podcast Appearances

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

Great.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

What is your timeline for purchasing the house?

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

You said soon about how many months or a year.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

Well, and that's what I was going to highlight is there is that period of time when your credit score is going to indeterminable where it could fluctuate.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

It can fluctuate.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

So, yeah, canceling the cards as quickly as possible.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

So there is that leeway.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

We sold our house last year, last May, and still had a mortgage on that house.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

And so when we sold it, we went through the process of it going to indeterminable.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

And there was that nerve wracking seven months where I'm like, when's it going to go?

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

When's it going to go?

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

I was literally asking Dave.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

I was like, Dave, it's not gone away yet.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

When is it going away?

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

So there is that period, that little limbo period while it's going away.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

So yeah, the sooner the better so that you have that runway before you're really, really aggressively searching for a house.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

Yes.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

I love it.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

I think getting aggressive with your grocery budget is a big thing.

The Ramsey Show
If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

Um, we did no spend and that it's easy to leave that grocery budget there and kind of eating up your whole budget, but we went down to a hundred dollars a week and,