I Stopped Using a Credit Card For 30 Days and THIS Happened!
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- čas přidán 24. 07. 2022
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This was a fun listen too, what a cheery lady.
Please have her on as a series-this was so fun and uplifting
This was one of the best Dave Ramsey calls ever! Her story is equally humorous and inspirational!
Sure sounds scripted
she sounded like she was full of wonder because she did something so simple.
It was fun to watch Dave and George get such thorough enjoyment. I never knew George had such a beautiful smile.
Anne this was the best call ever. You’re an absolute pleasure to listen to . She’s hilarious 🤣
She’s too cute! Reminds me of the seniors I serve everyday…such a joy to listen too
Good for her. The highlight is don't look to your left and right.
Dave’s face is priceless
So are the experiences when using MasterCard
@@JustinCase780 🤣
@@JustinCase780 hahahah so dam true
DELIGHTFUL lady! She even melted Dave's heart! 😍
Sharon Ramsey be on alert!
That’s not easy lol
She is witty and lovely! What a great call.
We started this a couple months ago and it's so true. We have a saving goal by new years and can see it happening...cash only.
I wish more people would call back after taking Dave's advice and doing this, giving the listeners a detailed description of the journey
I know what she's talking about. It's like a sense of self confidence with your finances when you gotta do cash.
I love this call SO MUCH! Thanks Anne for a good call
"Well, He gave me a good lecture." And they always accuse Dave and hosts of simping.
My son is taking a personal finance class and each week he needs to watch one of your videos and write about for his post. Along with him I have learned so much and have been able to make changes in my own life and am able to set him up for success.
Is it online?
@@RealGalaxyGamersI was actually shown Dave Ramsey videos by the teacher in my high school personal finance class.
His might have been online though.
When I spend with debit card, I feel the pain because my balance goes down. I check the balance all the time.
Oh me too! Really don't understand why older folks don't see debits like that?
Exactly!!!!!!! I just watch my bank account balance go down. A debit card is still your own money lol 😂
I’m with you - I use my debit card for everything, but watch my declining balance. I’m a constant checker.
We had the exact same experiences as this caller! We switched to all cash a number of years ago and it completely changed the way we handle our money. We definitely spend less and we are much more careful with our money when we use cash for our transactions.
I have 198k miles for delta I've earned doing nothing more but buying normal stuff I'd already buy. Now I can fly anywhere using those points. Def worth it for those who can use it appropriately
@@thatoneguy94512 Translation to English. You spend money, so you can get a trinkety little bonus from your CC, so you can use that bonus to go spend more money. Got it. 😑
@@scarpfish 👍
@@thatoneguy94512 cash back rewards are better than miles rewards.
@@scarpfish you spend what you’re already going to spend. I don’t see the issue.
This woman made me day!!! 😂
Oh my word I love this lady! You must have her back!!
😂 this lady makes my day man wish more people can take the chance like her
Love her attitude! Have a nice day guys.
Brilliant!! Dave's point at the end with "leaving with both things" is so true!
Best phone call ever! Good for her.
About 2 years ago, I gave myself this challenge. I cut up my credit card and paid off the balance but kept my account open, thinking I'd restart using credit after 30 days. Well, that 30 days turned into 6 months which turned into 1 year that I was NOT using credit cards and doing strictly debt/cash transactions. At the year mark, I called the credit card company to close my account and found it HYSTERICAL that the guy still used the "but you're going to be missing out on all the free points/cash back you could be earning" logic after I told him 3 times that I was not using the account AT ALL. Life without credit is pretty cool -- as long as I stick to the budget. 😜😜😜
You're missing out
Your story inspires me to do the same. Thank you for sharing!
@@saiayincoby4675on not having debt? How?
I’ve been doing this for a few months now and it has definitely helped keeping my spending under control!
She seems like a very lovely lady. I’m so glad it worked for her.
The other thing I do to control any possible overspending is turn off Overdraft Protection with my bank. It doesn’t work with automatic deductions but if I go to Walmart and try to buy something, it will decline if I don’t have the money to cover it. I would rather deal with the slight embarrassment of a decline in public then the bank hitting me with multiple overdraft fees
I love this lady! Such a powerful and compelling testimony. Very motivational! :)
One of my favorite calls!!
It took mie a while to understand why Dave is against CC not bc we’re not responsable to pay off full at the end of the month it’s because you expend less
He's against them because amex called him a deadbeat to his wife back in the day.
No, Dave is against CC because apparently the majority of people have something called 'no self control'. Many do not realize they would have more to spend if they were out of debt.
@@jrus690 self control requires goals, plans, concrete whys. And they are always changing. Much easier to rely on a smart system that takes the pressure off of the constant self awareness that “self control “ requires.
So many reasons to be against them, but this one that seems to get overlooked the most.
I’ve been saying this for a long time. Cash will make you think differently.
Great call! This lady rocked!
Favorite call today!
I took the challenge and it’s now been over 1 year since I used a credit card. I now define items as needs and wants much more before making a purchase. Many items end up back on the shelf at the store as a result.
👏👏👏👏👏
Good job.
I was thinking the other day about how much banks have lost because of what happened to Dave. Had they not changed policies and called in loans, Dave may never of have gone down the road of being debt free and teaching others to do the same. So thank you banks for helping Dave go down a different road and change the world.
As many others have as well! Banks have a duty to protect the bank and the shareholders, FIRST
Omg she's hilarious 😂❤❤❤
What an amazing lady! That's inspirational.
Great call back. Need more of these follow ups.
I love her. ❤ Her spirit is so bright and cheerful.
This lady is great!
Love her call:)❤️👍💪🏻👏🏻
I love this lady! She is adorable!
I need to listen to get advice. This is awesome.
Wow this lady call in was so good that it almost seemed like a skit 😂
In South Africa we had a mini-series called the "One Rand family" and the "One Rand Man" (Rand is the South African currency). Anywho, your entire salary would be given to you in one rand coins and you would have to physically pay for everything. The coins where kept in many containers.
The participents where shocked at the amount of overspending they had previously done. Using physical cash (although not ideal) can kerb your spending
My goodness, bless this lady
What an uplifting caller
"That will get you political, right there" says Dave. I laughed at that! But it is SO TRUE!
I was expecting for Dave to jump in at 3:45 and say "sell the dog"!!! :D
I wish you let her talk more. She was a treat.
I tried this no credit card month and it’s been good till now. Learned to keep some money in my account.
She is such a lovely ball of joy to listen to!! ❤️💖💗🌸✨🌟
I actually started Cash Envelopes but using prop money. I thought this was a better choice for me as I do not want to keep a lot of cash around the house. To my surprise, using that Prop money really works. Although I do not give it away at the store, I have to go home and take it out of the envelope. I find I think twice about spending that money.
That’s a good idea! I would keep some on hand for emergencies though
@@KS-xb3cg thank you. I do keep a smaller amount of cash on hand due to the weirdness right now.
I genuinely believe this is the GREATEST DAVE RAMSEY EPISODE EVER!!!!!!!!!!!!! Anne, George, and Dave.........THANK YOU. I am sharing this with my hubby. (You "may" have created a monster here.)
Good for her!
We should make a challenge of 30 days.
Buy only essential items that include gas, rent , grocery food and medicine .
Good for a budget correction. But when real life kicks in and you have extras it’s good to have a provision for them so the budget isn’t blown.
@@KS-xb3cg Why do you have extras ?
This woman should be on her own sit com show!
This was so inspiring I’m going to do this challenge
I LOVE this!!!
i switched to using my debit card, and bought all the exact same food and gas that i would otherwise because i still need them.. and missed out on the points....
No you didn't.
She’s amazing!
I was working as a caregiver and was making good money along with my social security check, I didn't have any problem spending a few dollars here and there even though I was saving. Now that I'm not working and just have my social security check I'm almost afraid to spend money for food! Crazy how it goes! I don't want to break into my savings!
She sounds very cheerful and nice.❤❤
This is so true, as I personally have done it only for a week.
I love this!
This lady is awesome....
I love this episode 😅
Her voice change at 3:36! 😂 That was a great call!
Literally been trying this aswell not using my card that often but using the cash I do have laying around and trust me I've spent little to non this past month
This was great 😂😂😂😂 I love her so much ❤
I remember when I was young and everyone used cash, you did "feel" it more, but many families had to take things away when they were short. I remember the cashier saying "what do you want to take away?". My mom had it to a science but it wasn't easy.
I didn't. Paying with a card is still parting with money and I can't use more than I can afford to pay at the end of the month.
I have this problem with Apple Pay and my debit card, I’m going to start doing this
We, the sheeple, need to ensure the powers that want to be can't do away with cash and go digital only.
So true! And that's exactly why they want to get rid of cash.
Good video and entertaining 😊😂
George was sweating lol now wants a raise lol wonderful woman !
So we bought vehicle cash. Budget for 42k max but as we looked that number felt high and the closer we got to buying the lower that price we wanted to spend. And I thought if we would of financed we would of easily bought a 50k 60k vehicle. We ended up spending 30k so in essence we saved 30k spending cash on something that loses us money
We used a cashier's check because that was the seller's preference (private sale). I read that it's best to not pay for a car in cash since drug dealers are the people suspected of having lots of cash. But good for you.
@@kdonor yeah - in this conversation, a check - especially a cashiers check which is prepaid - should be the same as cash. Just few retail places that actually take checks now.
@@kdonor If you're not a drug dealer, who cares? What do you have to hide?
@@KatieBellinoThis! What a strange comment.
She reminds me of Lucy Ricardo’s mother, Mrs. McGillicuddy.
She's so cute!! Dave loved this call. It's all over his face.
Anne from Austin is absolutely ADORABLE!!!!!! I love her!
I feel the opposite using cash I always spend more
I'll tell you what, Dave, when I had to hand over those Benjamins, it was like Whoopi Goldberg trying to donate money to charity in that movie scene in 'Ghost.' The cashier really had to pry it from my hands ( oДo)
😆😆😆yesss
This was fantastic
She's adorable! You need to get her on the show!
I take out cash for spending, groceries, variable spending because those categories I struggle with when I use a card. I get satisfaction getting change back. I have a savings for anytime I receive any $5 or $1’s I automatically save the change and will count it next year to see how much I’ve saved and put it towards a goal.
Finally decided to cancel my American Express card. Have 1700 left,on it will pay that off within a couple weeks. The only Debt I would have left is my car payment rich unfortunately I got into prior to listening today but that would be my last non-cash payment. Which I am aiming to pay within two years I want to make two payments per month to speed.
Glad I learned this at 26
I have been DAVE silent for 2 or 3 years , having been a long time constant listener for years , can say this after jumping back in , you and George have great Chemistry, great co-G.o.a.t -st
I use a credit card for security reasons (gas, internet, places I can’t see my debit card 100% of times ) not points, I was victim of debit card fraud once, that’s all it took. My monthly cc is accounted for before I get the bill because like a debit or check the charge is deducted from the account ( in my ledger)when it’s made. Never made a lot of money but I own a home with no mortgage, two cars less than 2 years old with no payment, retired with income far exceeding my expenses. A credit card hasn’t been the gloom and doom end of my life, I know what I need and what I can spend no matter how I choose to pay for it, it’s called being an adult.
It all depends on your financial picture. I enjoy the rewards, I never carry a balance, but also use cash if I can get a better price.
This is my only debate with credit vs debit. My credit union has been awful handling fraudulent charges.
I mostly agree with cash only. It hurts more to let go of cash. But using a Lowe's card with 5-10% off and paying off each month actually saves me money.
" Dont put anything in your buggey, you dont have much to pay for" .... any questions??
Dave and congress🤣🤣🤣
30 days? I did it for a year. Never looked back. If you want a real challenge, do no discretionary spending for a year.
This would be life changing for many.
God bless her ♥️
I gave all my credit cards to my husband! There is nothing in this world that would make me ask him to use it. So they shall keep collecting dust and i shall continue to pay them off.
She is so adorable!
She's too cute 👏👏👏👏 enjoyed the call!
George has a great smile it transforms him
This darling lady sound like Judy Garland from the Wizard of Oz.
What time does this lady start drinking?! 😆 she sounds like a blast
George: thanks for calling mom.