Dave Ramsey. What will and not work for me this time.

It easy enough. But I need to take action and have to get my tail in gear. Serious things are happening around me and I don't have time!

In the past I followed this framework. So what is different this time?

In case you have not heard, there is at current a PANDEMIC. The future doesn't seem to rosy red with my husbands job. His job is cyclic. Low gas prices affect it and the upcoming election as well.  So I cannot just save the emergency fund as I have in the past and start busting through debt. Most debt is paid off except for a few straggling items and our house.

I, like everyone else at this point need to hoard cash. Keep my hands off it and stash it. Keep in the bank. This is not an investment just put by money. I have set a six month goal. To have 4,500 and hopefully then I can see if this election turns out favorable for a good economy. I had been studying the Great Depression last summer. Something told me that a great shaking was coming. I could have never seen the Pandemic. Ever. In a million years. No one probably expected this. Whether you believe or not....it has caused a problem. So that is part 1. Save money and cut any expenses. Control the bleeding in the budget. After saving money, I intend to pay off little insignificant bills. I plan to up our credit scores. But next up our BUDGET.