Then the conversation of now that we know where all your money is going we can redirect some of it towards debt or saving. How much do you fee comfortable pulling back on this large Squirtle Pokemon shirt ? And where would you like to start putting that to better your situation. A lot of people just don’t know where things go because they don’t see it all in front of them really time. If you show her the raw numbers from a place of care that’s all you can do. From my experience bad credit can overwhelm people and looking at it alone just makes people feel more emotional about where they are at financially.
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I’ve also done the cash system with people who are new Squirtle Pokemon shirt to saving which doesn’t sound like Ellie. You pay the bills you have to online and then take everything else in cash and make an envelope for each category. So if your wanting to pay off a debt but your child wants a new bike your going to have to pick an envelope, such as a bill and physically take that money away from that bill. It really makes people feel different when they hold cash and take it away from something for something else.
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