Full Episode
Welcome to the Ramsey Show America, where we help you win in your life. We're going to help you win with your money, win in your work, and win with your relationships. Happy, happy new year, live for the first time in 2025. George Campbell is alongside. Happy New Year, Ken. Thank you, thank you, thank you. And I'm Ken Coleman, and we're here for you. 888-825-5225 is the phone number.
888-825-5225. All right, George, you ready to get it started? I hope so. I'm a little foggy. You're a little foggy? Callers are lined up, and we're going to Australia for the first call of the show today. How fun is this? Charlene joins us. Charlene, how can we help today?
Hi, guys. Happy New Year. Thanks for taking my call.
You bet. What's going on today?
A question about my frivolous spending is where we're at to start off the new year. A little about my background. I'm a single mom to a toddler earning $88,000 annually and working part-time. I have a budget that I think, or at least I thought was quite strong. And there's a line item in my budget for food and spending. But without sale, I'm blowing through that allowance every month.
And just there's little to no enjoyment with the things that I'm spending that money on. And so... There's always kind of buyer's remorse and always way more months than there is money. And so no matter how I tweak the budget, I just can't seem to fix it. It's not a budget issue.
It sounds like it's a behavior issue. So give us an idea of this. You called it food and spending. I know George wants to know this. I want to know, what do you include in food and spending? And then give us an idea of the consistencies of what you're spending too much money on in that line item of food and spending.
Takeouts. First and foremost, I hate to cook. So there's a lot of signing out or fast food takeout that's being spent. And it's shopping of any kind. thought. I can't stop myself from just buying anything that I see online or walk past the store or if my son looks at something and there's a twinkle in his eye, he'll immediately get it and there's just no second thought.
I just buy and then it's almost immediately after I've made the purchase that I get that buyer's remorse and I'm annoyed with myself that I've bought it, but damage is already done. So I'm trying to figure out a way to stop the swiping instead of feeling bad about it afterwards.
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