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How Can I Stop Feeling Anxious About My Bills? · Becoming Financially Confident

• 0:37
  You
• 0:37
  open
• 0:37
  your
• 0:38
  bank
• 0:38
  app
• 0:39
  and
• 0:39
  your
• 0:39
  chest
• 0:39
  just
• 0:40
  immediately
• 0:40
  tightens.
• 0:42
  Bills
• 0:42
  are
• 0:42
  everywhere.
• 0:43
  Different
• 0:44
  dates,
• 0:45
  different
• 0:45
  logins,
• 0:46
  even
• 0:46
  different
• 0:47
  amounts.
• 0:48
  And
• 0:48
  your
• 0:49
  brain
• 0:49
  never
• 0:49
  gets
• 0:50
  to
• 0:50
  rest.
• 0:51
  So
• 0:51
  on
• 0:52
  today's
• 0:52
  show,
• 0:52
  we're
• 0:52
  going
• 0:52
  to
• 0:52
  talk
• 0:53
  about
• 0:53
  what
• 0:53
  do
• 0:53
  you
• 0:53
  do
• 0:53
  next
• 0:53
  to
• 0:54
  get
• 0:54
  organized
• 0:55
  and
• 0:55
  feel
• 0:56
  steady
• 0:56
  again
• 0:57
  and
• 0:57
  do
• 0:58
  it
• 0:58
  without
• 0:58
  shame.
• 1:20
  Hey,
• 1:20
  friend,
• 1:20
  Ralph
• 1:21
  Estep
• 1:21
  Jr.
• 1:22
  Here.
• 1:22
  This
• 1:22
  is
• 1:23
  Financially
• 1:23
  Confident
• 1:24
  Christian
• 1:24
  where
• 1:25
  every
• 1:25
  day
• 1:25
  we
• 1:25
  work
• 1:26
  to
• 1:26
  break
• 1:26
  that
• 1:26
  cycle
• 1:27
  of
• 1:27
  financial
• 1:27
  shame
• 1:28
  and
• 1:28
  do
• 1:29
  it
• 1:29
  with
• 1:29
  confidence.
• 1:30
  And
• 1:30
  today's
• 1:31
  topic
• 1:31
  is
• 1:31
  a
• 1:31
  great
• 1:32
  one.
• 1:32
  We're
• 1:33
  going
• 1:33
  to
• 1:33
  talk
• 1:33
  today
• 1:33
  about
• 1:33
  a
• 1:34
  bill
• 1:34
  paying
• 1:34
  you
• 1:34
  can
• 1:35
  actually
• 1:35
  stick
• 1:35
  to
• 1:36
  why.
• 1:37
  So
• 1:37
  the
• 1:38
  anxiety
• 1:38
  stops
• 1:39
  running
• 1:39
  your
• 1:39
  days.
• 1:40
  Well,
• 1:41
  let's
• 1:41
  get
• 1:41
  right
• 1:41
  to
• 1:41
  today's
• 1:42
  question.
• 1:43
  And
• 1:43
  I
• 1:43
  just
• 1:43
  love
• 1:44
  this
• 1:44
  question,
• 1:45
  Ralph.
• 1:45
  My
• 1:46
  bills
• 1:46
  are
• 1:46
  all
• 1:46
  over
• 1:47
  the
• 1:47
  place
• 1:48
  and
• 1:48
  I'm
• 1:48
  always
• 1:49
  playing
• 1:49
  catch
• 1:49
  up.
• 1:50
  My
• 1:51
  mind
• 1:51
  is
• 1:51
  a
• 1:51
  mess
• 1:52
  and
• 1:53
  I'm
• 1:53
  tired
• 1:53
  of
• 1:53
  that
• 1:53
  anxious
• 1:54
  feeling
• 1:55
  every
• 1:55
  time
• 1:55
  I
• 1:55
  open
• 1:56
  my
• 1:56
  bank
• 1:56
  app.
• 1:58
  How
• 1:58
  do
• 1:58
  I
• 1:58
  set
• 1:58
  up
• 1:58
  a
• 1:59
  bill
• 1:59
  plan
• 2:00
  that
• 2:00
  I
• 2:00
  can
• 2:00
  actually
• 2:01
  stick
• 2:01
  to?
• 2:03
  What
• 2:03
  a
• 2:03
  great
• 2:04
  question.
• 2:05
  And
• 2:05
  this
• 2:05
  is
• 2:05
  a
• 2:05
  question
• 2:05
  that
• 2:06
  I
• 2:06
  bet
• 2:06
  most
• 2:06
  of
• 2:07
  us
• 2:07
  can
• 2:07
  relate
• 2:07
  to.
• 2:08
  Unless
• 2:09
  you're
• 2:09
  super
• 2:09
  wealthy,
• 2:10
  you've
• 2:11
  probably
• 2:11
  got
• 2:11
  bills.
• 2:11
  And
• 2:11
  even
• 2:12
  if
• 2:12
  you're
• 2:12
  super
• 2:12
  wealthy,
• 2:13
  you
• 2:13
  probably
• 2:13
  still
• 2:14
  have
• 2:14
  bills.
• 2:15
  So
• 2:15
  today
• 2:15
  on
• 2:15
  the
• 2:16
  show,
• 2:16
  I
• 2:16
  really
• 2:16
  want
• 2:16
  to
• 2:16
  talk
• 2:17
  about
• 2:17
  one
• 2:17
  simple
• 2:18
  bill
• 2:18
  system
• 2:19
  that
• 2:19
  brings
• 2:20
  you
• 2:20
  back
• 2:20
  to
• 2:20
  a
• 2:21
  place
• 2:21
  of
• 2:21
  peace.
• 2:22
  Because
• 2:22
  bills
• 2:23
  can
• 2:23
  be
• 2:23
  so
• 2:23
  disruptive
• 2:24
  in
• 2:24
  our
• 2:24
  lives.
• 2:25
  Well,
• 2:25
  let's
• 2:25
  get
• 2:25
  right
• 2:25
  to
• 2:26
  it.
• 2:26
  Here's
• 2:27
  what
• 2:27
  I'm
• 2:27
  going
• 2:27
  to
• 2:27
  encourage
• 2:27
  you
• 2:27
  to
• 2:28
  do
• 2:28
  today.
• 2:29
  Gather
• 2:29
  every
• 2:30
  bill
• 2:30
  into
• 2:31
  one
• 2:31
  single
• 2:32
  list.
• 2:33
  This
• 2:33
  doesn't
• 2:34
  have
• 2:34
  to
• 2:34
  be
• 2:34
  some
• 2:35
  long
• 2:35
  drawn
• 2:36
  out
• 2:37
  amazing
• 2:38
  thing.
• 2:38
  Just
• 2:38
  10
• 2:38
  minutes.
• 2:39
  Just
• 2:40
  set
• 2:40
  aside
• 2:40
  10
• 2:40
  minutes
• 2:41
  and
• 2:41
  get
• 2:41
  a
• 2:41
  piece
• 2:41
  of
• 2:41
  paper.
• 2:41
  And
• 2:42
  I'm
• 2:42
  going
• 2:42
  to
• 2:42
  walk
• 2:42
  you
• 2:42
  through
• 2:42
  exactly
• 2:43
  how
• 2:43
  to
• 2:43
  do
• 2:43
  this.
• 2:44
  Get
• 2:44
  that
• 2:44
  piece
• 2:45
  of
• 2:45
  paper
• 2:46
  and
• 2:46
  just
• 2:46
  on
• 2:46
  this
• 2:47
  paper
• 2:47
  write
• 2:47
  the
• 2:48
  name
• 2:48
  of
• 2:48
  the
• 2:48
  bill,
• 2:49
  put
• 2:49
  the
• 2:49
  due
• 2:50
  date
• 2:50
  of
• 2:50
  the
• 2:50
  bill,
• 2:51
  put
• 2:51
  the
• 2:51
  minimum
• 2:52
  of
• 2:52
  that
• 2:52
  bill.
• 2:53
  And
• 2:53
  this
• 2:53
  last
• 2:53
  column
• 2:54
  is
• 2:54
  going
• 2:54
  to
• 2:54
  be
• 2:54
  important
• 2:54
  here
• 2:55
  in
• 2:55
  a
• 2:55
  moment.
• 2:56
  Put
• 2:56
  on
• 2:56
  there
• 2:56
  how
• 2:57
  it's
• 2:57
  paid,
• 2:57
  whether
• 2:58
  it's
• 2:58
  paid
• 2:58
  by
• 2:58
  check.
• 2:59
  Is
• 2:59
  it
• 2:59
  automatic?
• 3:00
  That
• 3:01
  sort
• 3:01
  of
• 3:01
  question.
• 3:02
  Now
• 3:02
  here's
• 3:03
  the
• 3:03
  catch
• 3:03
  to
• 3:03
  this.
• 3:04
  I
• 3:04
  want
• 3:04
  you
• 3:04
  to
• 3:04
  include
• 3:05
  those
• 3:05
  non
• 3:05
  monthly
• 3:06
  ones
• 3:06
  as
• 3:06
  well
• 3:06
  because
• 3:07
  it's
• 3:07
  real
• 3:07
  easy
• 3:07
  to
• 3:07
  find
• 3:08
  the
• 3:08
  ones
• 3:08
  that
• 3:08
  are
• 3:09
  always
• 3:09
  monthly.
• 3:09
  Those
• 3:10
  are
• 3:10
  easy
• 3:10
  to
• 3:10
  think
• 3:10
  about.
• 3:10
  Your
• 3:11
  mortgage
• 3:11
  or
• 3:11
  your
• 3:12
  rent,
• 3:12
  your
• 3:12
  car
• 3:13
  payment,
• 3:14
  all
• 3:14
  those
• 3:14
  things
• 3:14
  are
• 3:14
  the
• 3:15
  normal
• 3:15
  monthly
• 3:15
  ones.
• 3:16
  But
• 3:16
  what
• 3:16
  trips
• 3:17
  up
• 3:17
  so
• 3:17
  many
• 3:17
  people
• 3:18
  are
• 3:18
  those
• 3:18
  non
• 3:19
  monthly
• 3:19
  ones.
• 3:19
  So
• 3:20
  think
• 3:20
  about
• 3:20
  those
• 3:20
  things
• 3:20
  like
• 3:21
  car
• 3:21
  tags
• 3:22
  and
• 3:22
  registration,
• 3:23
  maybe
• 3:23
  insurance,
• 3:24
  maybe
• 3:24
  you
• 3:24
  pay
• 3:25
  your
• 3:25
  insurance
• 3:25
  annually
• 3:26
  or
• 3:26
  quarterly
• 3:27
  or,
• 3:27
  or,
• 3:27
  or
• 3:27
  something
• 3:28
  along
• 3:28
  those
• 3:28
  lines
• 3:28
  and
• 3:29
  any
• 3:29
  of
• 3:29
  those
• 3:29
  subscriptions.
• 3:31
  And
• 3:31
  when
• 3:31
  you're
• 3:31
  doing
• 3:32
  this
• 3:32
  at
• 3:32
  this
• 3:33
  first
• 3:33
  end
• 3:33
  of
• 3:33
  this,
• 3:33
  there's
• 3:34
  no
• 3:34
  judgment
• 3:34
  in
• 3:35
  this,
• 3:35
  it's
• 3:35
  just
• 3:35
  information.
• 3:37
  So
• 3:37
  create
• 3:38
  that
• 3:38
  list
• 3:38
  again.
• 3:39
  That's
• 3:39
  the
• 3:39
  bill.
• 3:39
  Name
• 3:40
  the
• 3:40
  due
• 3:40
  date,
• 3:41
  the
• 3:41
  minimum
• 3:42
  and
• 3:42
  how
• 3:42
  it's
• 3:42
  paid.
• 3:43
  And
• 3:43
  don't
• 3:43
  forget
• 3:43
  to
• 3:43
  include
• 3:44
  those
• 3:44
  non
• 3:44
  monthly
• 3:45
  ones
• 3:45
  as
• 3:45
  well.
• 3:46
  Now
• 3:46
  once
• 3:46
  you've
• 3:46
  built
• 3:47
  that
• 3:47
  list,
• 3:47
  we're
• 3:47
  going
• 3:48
  to
• 3:48
  move
• 3:48
  on
• 3:48
  to
• 3:48
  the
• 3:48
  second
• 3:48
  step
• 3:49
  here.
• 3:49
  What
• 3:50
  I
• 3:50
  want
• 3:50
  you
• 3:50
  to
• 3:50
  do
• 3:50
  is
• 3:51
  choose
• 3:51
  one
• 3:51
  bill
• 3:52
  day
• 3:52
  rhythm.
• 3:52
  Now
• 3:53
  I
• 3:53
  am
• 3:53
  a
• 3:53
  believer
• 3:54
  that
• 3:54
  you
• 3:54
  should
• 3:54
  pick
• 3:55
  one
• 3:55
  day
• 3:55
  a
• 3:55
  week.
• 3:56
  Now
• 3:56
  if
• 3:56
  you're
• 3:57
  paid
• 3:57
  bi
• 3:57
  weekly,
• 3:58
  maybe
• 3:58
  you
• 3:58
  do
• 3:58
  that
• 3:59
  every
• 3:59
  other
• 3:59
  week.
• 4:00
  You
• 4:00
  want
• 4:00
  to
• 4:00
  sort
• 4:01
  of
• 4:01
  match
• 4:01
  this
• 4:01
  up
• 4:02
  where
• 4:02
  the
• 4:02
  money's
• 4:02
  coming
• 4:03
  in
• 4:03
  and
• 4:03
  where
• 4:03
  the
• 4:04
  money
• 4:04
  is
• 4:04
  going
• 4:04
  out.
• 4:05
  So
• 4:05
  if
• 4:05
  you're
• 4:06
  paid
• 4:06
  biweekly,
• 4:07
  split
• 4:07
  those
• 4:07
  into
• 4:08
  two
• 4:08
  things.
• 4:08
  You
• 4:09
  can
• 4:09
  do
• 4:09
  what
• 4:09
  I
• 4:09
  call
• 4:09
  paycheck
• 4:10
  A
• 4:11
  and
• 4:11
  paycheck
• 4:11
  B.
• 4:12
  And
• 4:12
  if
• 4:13
  you
• 4:13
  do
• 4:13
  paycheck
• 4:13
  A
• 4:13
  and
• 4:14
  paycheck
• 4:14
  B,
• 4:14
  what
• 4:14
  you're
• 4:15
  going
• 4:15
  to
• 4:15
  do
• 4:15
  by
• 4:16
  doing
• 4:16
  it
• 4:16
  this
• 4:16
  way
• 4:16
  is
• 4:17
  you're
• 4:17
  going
• 4:17
  to
• 4:17
  align
• 4:18
  your
• 4:18
  payments
• 4:18
  up
• 4:19
  with
• 4:19
  when
• 4:19
  your
• 4:19
  money
• 4:19
  is
• 4:20
  coming
• 4:20
  in
• 4:20
  the
• 4:20
  door.
• 4:20
  Because
• 4:21
  here's
• 4:21
  the
• 4:21
  thing,
• 4:21
  it
• 4:21
  trips
• 4:22
  up
• 4:22
  so
• 4:22
  many
• 4:23
  people.
• 4:23
  If
• 4:24
  your
• 4:24
  income
• 4:24
  is
• 4:25
  uneven,
• 4:26
  it's
• 4:26
  complicated
• 4:27
  to
• 4:27
  try
• 4:27
  to
• 4:27
  make
• 4:27
  those
• 4:28
  bill
• 4:28
  payments
• 4:28
  too.
• 4:29
  I,
• 4:29
  I'll
• 4:29
  talk
• 4:29
  about
• 4:29
  this
• 4:30
  later
• 4:30
  probably
• 4:30
  on
• 4:31
  the
• 4:31
  show.
• 4:31
  I
• 4:31
  remember
• 4:32
  at
• 4:32
  one
• 4:32
  point
• 4:32
  I
• 4:33
  was
• 4:33
  paid
• 4:33
  once
• 4:33
  a
• 4:33
  month.
• 4:34
  Talking
• 4:34
  about
• 4:34
  trying
• 4:34
  to
• 4:35
  budget
• 4:35
  for
• 4:35
  that,
• 4:35
  that
• 4:36
  was
• 4:36
  a
• 4:36
  challenge.
• 4:37
  But
• 4:37
  then
• 4:37
  put
• 4:38
  those
• 4:38
  dates
• 4:38
  for
• 4:39
  those
• 4:39
  bill
• 4:39
  check
• 4:39
  ins
• 4:40
  right
• 4:40
  on
• 4:40
  your
• 4:41
  calendar.
• 4:41
  Make
• 4:41
  those
• 4:42
  non
• 4:42
  negotiable
• 4:43
  reminders.
• 4:44
  Now
• 4:44
  here's
• 4:45
  a
• 4:45
  big
• 4:45
  pro
• 4:46
  tip.
• 4:47
  One
• 4:47
  things
• 4:47
  that
• 4:47
  I
• 4:47
  recommend
• 4:48
  for
• 4:48
  a
• 4:48
  lot
• 4:48
  of
• 4:48
  people
• 4:49
  that
• 4:49
  I
• 4:49
  work
• 4:49
  with.
• 4:50
  Create
• 4:50
  a
• 4:50
  bills
• 4:51
  only
• 4:51
  account
• 4:52
  or
• 4:52
  maybe
• 4:52
  go
• 4:53
  back
• 4:53
  to
• 4:53
  a
• 4:53
  bills
• 4:54
  envelope
• 4:55
  and
• 4:55
  you
• 4:55
  might
• 4:55
  be
• 4:56
  thinking
• 4:56
  to
• 4:56
  yourself,
• 4:56
  Ralph,
• 4:57
  an
• 4:57
  envelope
• 4:57
  system.
• 4:58
  Yeah,
• 4:58
  my
• 4:58
  grandparents
• 4:59
  used
• 4:59
  to
• 4:59
  use
• 4:59
  this,
• 5:00
  but
• 5:00
  it
• 5:00
  worked
• 5:00
  for
• 5:01
  them
• 5:01
  because
• 5:01
  they
• 5:01
  would
• 5:01
  set
• 5:02
  up
• 5:02
  those
• 5:02
  envelopes.
• 5:02
  I
• 5:03
  never
• 5:03
  forget
• 5:03
  it.
• 5:03
  My
• 5:03
  grandmother,
• 5:04
  at
• 5:04
  the
• 5:04
  beginning
• 5:05
  of
• 5:05
  the
• 5:05
  month,
• 5:05
  now
• 5:05
  this
• 5:05
  is
• 5:05
  when
• 5:06
  they
• 5:06
  retired,
• 5:07
  they
• 5:07
  would
• 5:07
  have
• 5:07
  a
• 5:07
  certain
• 5:08
  money
• 5:08
  coming
• 5:08
  in
• 5:08
  from
• 5:08
  their
• 5:09
  pensions
• 5:09
  and
• 5:10
  Social
• 5:10
  Security.
• 5:11
  And
• 5:11
  my
• 5:11
  grandmother
• 5:12
  had
• 5:12
  these
• 5:12
  envelopes
• 5:13
  and
• 5:13
  I
• 5:13
  can
• 5:13
  remember
• 5:13
  her
• 5:14
  and
• 5:14
  my
• 5:14
  grandfather
• 5:15
  sitting
• 5:15
  at
• 5:15
  the
• 5:15
  kitchen
• 5:15
  table
• 5:16
  and
• 5:16
  she
• 5:17
  would
• 5:17
  say,
• 5:17
  okay.
• 5:17
  His
• 5:18
  name
• 5:18
  was
• 5:18
  Frank,
• 5:18
  but
• 5:19
  they
• 5:19
  all
• 5:19
  called
• 5:19
  him
• 5:19
  Bud.
• 5:20
  I'm
• 5:20
  not
• 5:20
  sure
• 5:20
  why,
• 5:20
  but
• 5:21
  she
• 5:21
  would
• 5:21
  say,
• 5:21
  okay,
• 5:21
  Bud,
• 5:22
  here's
• 5:22
  what
• 5:22
  we
• 5:22
  got.
• 5:22
  And
• 5:23
  my
• 5:23
  grandfather
• 5:23
  liked
• 5:23
  to
• 5:24
  fish.
• 5:24
  So
• 5:25
  he
• 5:25
  had
• 5:25
  an
• 5:25
  envelope
• 5:25
  for
• 5:25
  fishing.
• 5:26
  And
• 5:26
  then
• 5:26
  my
• 5:27
  grandmother
• 5:27
  had
• 5:27
  one
• 5:27
  for
• 5:28
  the
• 5:28
  utilities
• 5:28
  and
• 5:29
  for
• 5:29
  all
• 5:29
  those
• 5:29
  sort
• 5:29
  of
• 5:30
  things.
• 5:30
  Now
• 5:30
  we
• 5:30
  used
• 5:31
  to
• 5:31
  go
• 5:31
  and
• 5:31
  visit
• 5:31
  them
• 5:31
  in
• 5:32
  the
• 5:32
  summer.
• 5:32
  They
• 5:32
  didn't
• 5:32
  live
• 5:32
  too
• 5:33
  close
• 5:33
  to
• 5:33
  us,
• 5:34
  so
• 5:34
  I
• 5:34
  always
• 5:34
  noticed
• 5:35
  and
• 5:35
  we
• 5:35
  were
• 5:35
  there.
• 5:35
  There
• 5:35
  was
• 5:35
  always
• 5:36
  an
• 5:36
  extra
• 5:36
  envelope,
• 5:37
  what
• 5:37
  she
• 5:37
  called
• 5:37
  the
• 5:37
  Entertainment
• 5:38
  envelope.
• 5:39
  But
• 5:39
  you
• 5:39
  can
• 5:40
  do
• 5:40
  the
• 5:40
  same
• 5:40
  thing
• 5:40
  by
• 5:40
  setting
• 5:41
  up
• 5:41
  a
• 5:41
  separate
• 5:41
  checking
• 5:42
  account
• 5:42
  or
• 5:42
  maybe
• 5:43
  even
• 5:43
  put
• 5:44
  up
• 5:44
  one
• 5:44
  budget
• 5:45
  app
• 5:45
  and
• 5:45
  call
• 5:46
  it
• 5:46
  bills
• 5:46
  only.
• 5:47
  And
• 5:47
  then
• 5:47
  what
• 5:47
  I'm
• 5:48
  going
• 5:48
  to
• 5:48
  encourage
• 5:48
  you
• 5:48
  to
• 5:48
  do
• 5:48
  is
• 5:49
  each
• 5:49
  payday,
• 5:50
  move
• 5:50
  the
• 5:50
  bill
• 5:50
  amount
• 5:51
  there
• 5:51
  first
• 5:52
  so
• 5:53
  that
• 5:53
  you've
• 5:53
  got
• 5:53
  some
• 5:53
  reassurance,
• 5:54
  you
• 5:54
  know,
• 5:54
  that
• 5:54
  you've
• 5:55
  got
• 5:55
  those
• 5:55
  things
• 5:55
  separated.
• 5:57
  Because
• 5:57
  what
• 5:57
  ends
• 5:57
  up
• 5:58
  happening
• 5:58
  is
• 5:59
  if
• 5:59
  you
• 5:59
  don't
• 5:59
  separate
• 6:00
  these
• 6:00
  things,
• 6:01
  you
• 6:01
  start
• 6:01
  having
• 6:02
  this
• 6:02
  competition
• 6:03
  for
• 6:03
  other
• 6:03
  things
• 6:03
  in
• 6:04
  your
• 6:04
  budget.
• 6:04
  But
• 6:04
  if
• 6:04
  you
• 6:05
  set
• 6:05
  that
• 6:05
  money
• 6:05
  aside
• 6:06
  at
• 6:06
  the
• 6:06
  beginning,
• 6:06
  guess
• 6:06
  what?
• 6:07
  It's
• 6:08
  set
• 6:08
  aside.
• 6:09
  Your
• 6:09
  bills
• 6:09
  are
• 6:09
  going
• 6:09
  to
• 6:10
  be
• 6:10
  paid.
• 6:10
  Here's
• 6:11
  another
• 6:11
  pro
• 6:11
  tip.
• 6:12
  I
• 6:12
  recommend.
• 6:13
  Put
• 6:13
  your
• 6:13
  bills
• 6:13
  on
• 6:14
  autopay,
• 6:15
  but
• 6:16
  be
• 6:16
  careful.
• 6:17
  Don't
• 6:17
  do
• 6:17
  this
• 6:18
  until
• 6:18
  you
• 6:18
  control
• 6:19
  the
• 6:19
  timing.
• 6:20
  Some
• 6:20
  people
• 6:20
  have
• 6:21
  heard
• 6:21
  me
• 6:21
  talk
• 6:21
  about
• 6:21
  this
• 6:21
  before.
• 6:22
  They
• 6:22
  rushed
• 6:22
  out
• 6:23
  and
• 6:23
  they
• 6:23
  put
• 6:23
  those
• 6:24
  things
• 6:24
  on
• 6:24
  autopay,
• 6:25
  but
• 6:25
  they
• 6:25
  hadn't
• 6:25
  really
• 6:25
  set
• 6:26
  up
• 6:26
  the
• 6:26
  timing.
• 6:26
  And
• 6:26
  then
• 6:26
  what
• 6:27
  happened
• 6:27
  is
• 6:28
  all
• 6:28
  of
• 6:28
  their
• 6:28
  bills
• 6:29
  were
• 6:29
  hitting
• 6:29
  on
• 6:29
  the
• 6:29
  same
• 6:30
  day
• 6:30
  of
• 6:30
  the
• 6:30
  month.
• 6:31
  Well,
• 6:31
  that's
• 6:31
  a
• 6:31
  challenge
• 6:32
  if
• 6:32
  you're
• 6:32
  paid
• 6:33
  in
• 6:33
  too
• 6:33
  big
• 6:34
  cycles
• 6:34
  or
• 6:34
  maybe
• 6:34
  you're
• 6:35
  paid
• 6:35
  weekly.
• 6:35
  I
• 6:35
  honestly
• 6:36
  think
• 6:36
  in
• 6:36
  my
• 6:37
  experience,
• 6:37
  being
• 6:38
  paid
• 6:38
  weekly
• 6:38
  is
• 6:39
  a
• 6:39
  difficult
• 6:39
  way
• 6:40
  to
• 6:40
  budget
• 6:40
  because
• 6:41
  you
• 6:41
  don't
• 6:41
  get
• 6:41
  enough
• 6:41
  to
• 6:42
  cover
• 6:42
  all
• 6:42
  the
• 6:42
  bills
• 6:43
  in
• 6:43
  the
• 6:43
  first
• 6:43
  week.
• 6:44
  So
• 6:44
  you've
• 6:44
  got
• 6:44
  to
• 6:44
  really
• 6:44
  be
• 6:45
  good
• 6:45
  at
• 6:46
  doing
• 6:46
  those
• 6:46
  budgeting
• 6:47
  things.
• 6:47
  But
• 6:47
  I
• 6:48
  would
• 6:48
  start
• 6:48
  there
• 6:48
  first.
• 6:48
  I
• 6:49
  think
• 6:49
  auto
• 6:49
  payments
• 6:50
  are
• 6:50
  great,
• 6:50
  but
• 6:50
  align
• 6:51
  your
• 6:51
  due
• 6:51
  dates
• 6:52
  to
• 6:52
  your
• 6:52
  pay
• 6:52
  rhythm
• 6:53
  and
• 6:53
  if
• 6:53
  they're
• 6:54
  not,
• 6:54
  call
• 6:54
  the
• 6:55
  companies.
• 6:55
  What
• 6:55
  I
• 6:55
  have
• 6:56
  found
• 6:56
  is
• 6:57
  if
• 6:57
  you
• 6:57
  reach
• 6:57
  out
• 6:57
  to
• 6:57
  the
• 6:58
  companies,
• 6:58
  they
• 6:58
  will
• 6:59
  talk
• 6:59
  to
• 6:59
  you
• 6:59
  about
• 6:59
  this.
• 7:00
  They
• 7:00
  have
• 7:00
  a
• 7:00
  lot
• 7:00
  of
• 7:01
  flexibility
• 7:01
  because
• 7:01
  guess
• 7:02
  what?
• 7:02
  At
• 7:02
  the
• 7:02
  end
• 7:02
  of
• 7:02
  the
• 7:03
  day,
• 7:03
  they
• 7:03
  want
• 7:04
  to
• 7:04
  get
• 7:04
  paid.
• 7:04
  Here's
• 7:05
  another
• 7:05
  pro
• 7:05
  tip.
• 7:06
  Set
• 7:06
  up
• 7:07
  auto
• 7:07
  pay
• 7:07
  minimums
• 7:08
  at
• 7:09
  the
• 7:09
  very
• 7:09
  basics
• 7:10
  so
• 7:10
  you
• 7:10
  avoid
• 7:10
  those
• 7:10
  late
• 7:11
  fees.
• 7:11
  One
• 7:11
  of
• 7:11
  the
• 7:11
  things
• 7:11
  that
• 7:12
  I
• 7:12
  do,
• 7:12
  and
• 7:12
  listen,
• 7:13
  I
• 7:13
  do
• 7:13
  this
• 7:13
  for
• 7:13
  a
• 7:13
  living.
• 7:14
  All
• 7:14
  of
• 7:15
  my
• 7:15
  credit
• 7:15
  cards
• 7:16
  have
• 7:16
  an
• 7:16
  auto
• 7:17
  pay
• 7:17
  set
• 7:17
  up
• 7:17
  automatically.
• 7:18
  Now
• 7:18
  I'm
• 7:18
  going
• 7:19
  to
• 7:19
  go
• 7:19
  and
• 7:19
  pay
• 7:19
  more
• 7:19
  than
• 7:19
  that
• 7:20
  because
• 7:20
  I'm
• 7:20
  actually
• 7:20
  a
• 7:20
  believer
• 7:21
  in
• 7:21
  paying
• 7:21
  the
• 7:22
  full
• 7:22
  balance
• 7:22
  if
• 7:22
  you
• 7:22
  can
• 7:23
  afford
• 7:23
  to
• 7:23
  do
• 7:23
  that.
• 7:24
  But
• 7:24
  set
• 7:25
  it
• 7:25
  up
• 7:25
  for
• 7:25
  an
• 7:25
  auto
• 7:25
  pay
• 7:26
  at
• 7:26
  the
• 7:26
  very
• 7:26
  minimum.
• 7:27
  That
• 7:27
  way
• 7:28
  you're
• 7:28
  never
• 7:28
  late.
• 7:29
  And
• 7:29
  then
• 7:30
  listen
• 7:30
  if
• 7:30
  autopay
• 7:31
  scares
• 7:31
  you.
• 7:31
  And
• 7:32
  I
• 7:32
  get
• 7:32
  it,
• 7:32
  some
• 7:32
  people
• 7:33
  don't
• 7:33
  like
• 7:33
  autopay.
• 7:33
  I've
• 7:34
  had
• 7:34
  many
• 7:34
  people
• 7:34
  say
• 7:35
  to
• 7:35
  me,
• 7:35
  rob,
• 7:35
  I
• 7:35
  don't
• 7:36
  want
• 7:36
  anybody
• 7:36
  in
• 7:36
  my
• 7:36
  account.
• 7:37
  That's
• 7:37
  fine.
• 7:38
  Then
• 7:38
  schedule
• 7:39
  those
• 7:39
  payments.
• 7:40
  If
• 7:40
  you
• 7:41
  schedule
• 7:41
  them,
• 7:41
  it's
• 7:42
  the
• 7:42
  same
• 7:42
  benefit,
• 7:42
  but
• 7:43
  you've
• 7:43
  got
• 7:43
  a
• 7:43
  little
• 7:43
  more
• 7:43
  control.
• 7:45
  And
• 7:45
  here's
• 7:45
  the
• 7:45
  other
• 7:46
  big
• 7:46
  takeaway.
• 7:46
  For
• 7:47
  today,
• 7:47
  one
• 7:48
  of
• 7:48
  the
• 7:48
  things
• 7:48
  you
• 7:48
  can
• 7:48
  do
• 7:48
  here
• 7:49
  is
• 7:49
  build
• 7:49
  a
• 7:49
  ketchup
• 7:50
  cushion.
• 7:50
  Now,
• 7:51
  this
• 7:51
  is
• 7:51
  the
• 7:51
  kind
• 7:51
  of
• 7:51
  ketchup
• 7:52
  you
• 7:52
  put
• 7:52
  on
• 7:52
  fries.
• 7:53
  This
• 7:53
  is
• 7:53
  the
• 7:53
  ketchup
• 7:54
  to
• 7:54
  make
• 7:54
  sure
• 7:55
  that
• 7:55
  you
• 7:55
  have
• 7:56
  a
• 7:56
  buffer
• 7:56
  zone,
• 7:57
  just
• 7:57
  one
• 7:57
  small
• 7:57
  brick
• 7:58
  at
• 7:58
  a
• 7:58
  time.
• 7:59
  That
• 7:59
  way,
• 7:59
  if
• 7:59
  something
• 8:00
  pops
• 8:00
  up
• 8:01
  and
• 8:01
  you
• 8:01
  don't
• 8:01
  have
• 8:01
  to
• 8:01
  start
• 8:02
  with
• 8:02
  three
• 8:02
  or
• 8:03
  four
• 8:03
  hundred
• 8:03
  dollars,
• 8:04
  start
• 8:04
  with
• 8:04
  a
• 8:04
  hundred
• 8:04
  dollars
• 8:05
  or
• 8:05
  maybe
• 8:06
  $250,
• 8:07
  and
• 8:08
  build
• 8:08
  up
• 8:08
  that
• 8:08
  buffer
• 8:09
  in
• 8:09
  that
• 8:09
  bill's
• 8:10
  account.
• 8:11
  And
• 8:11
  you
• 8:11
  might
• 8:11
  be
• 8:11
  saying,
• 8:11
  ralph,
• 8:12
  well,
• 8:12
  how
• 8:12
  do
• 8:12
  I
• 8:12
  get
• 8:12
  there?
• 8:13
  Well,
• 8:13
  you
• 8:13
  can
• 8:13
  add
• 8:14
  $10
• 8:14
  of
• 8:14
  pay
• 8:15
  or
• 8:15
  $25
• 8:16
  a
• 8:16
  pay
• 8:16
  until
• 8:16
  you
• 8:16
  have
• 8:17
  that
• 8:17
  one
• 8:17
  extra
• 8:18
  bill
• 8:18
  cycle.
• 8:18
  That's
• 8:19
  what
• 8:19
  we're
• 8:19
  really
• 8:19
  working
• 8:19
  towards.
• 8:20
  Not
• 8:20
  3,
• 8:21
  4,
• 8:21
  5
• 8:22
  cycles,
• 8:22
  but
• 8:22
  just
• 8:22
  one
• 8:23
  bill
• 8:23
  cycle.
• 8:24
  If
• 8:24
  you've
• 8:24
  got
• 8:24
  one
• 8:25
  bill
• 8:25
  cycle
• 8:25
  set
• 8:25
  aside,
• 8:27
  you
• 8:27
  have
• 8:27
  fewer
• 8:27
  surprises.
• 8:29
  And
• 8:29
  when
• 8:29
  you've
• 8:29
  got
• 8:30
  fewer
• 8:30
  surprises,
• 8:31
  guess
• 8:31
  what?
• 8:32
  You've
• 8:32
  got
• 8:32
  fewer
• 8:33
  of
• 8:33
  those
• 8:33
  panic
• 8:33
  moments.
• 8:35
  Because
• 8:35
  here's
• 8:35
  my
• 8:35
  encouragement
• 8:36
  for
• 8:36
  you
• 8:36
  encapsulated
• 8:37
  in
• 8:37
  one
• 8:38
  single
• 8:38
  thing.
• 8:38
  Today,
• 8:39
  you're
• 8:39
  not
• 8:40
  behind
• 8:40
  on
• 8:40
  this.
• 8:41
  You're
• 8:42
  just
• 8:42
  building
• 8:42
  a
• 8:42
  system.
• 8:43
  So
• 8:44
  here's
• 8:44
  today's
• 8:44
  win,
• 8:45
  your
• 8:45
  single
• 8:45
  step
• 8:46
  to
• 8:46
  really
• 8:46
  make
• 8:47
  a
• 8:47
  difference
• 8:47
  here.
• 8:48
  Open
• 8:48
  that
• 8:48
  note
• 8:49
  on
• 8:49
  your
• 8:49
  phone
• 8:49
  or
• 8:50
  get
• 8:50
  a
• 8:50
  piece
• 8:50
  of
• 8:50
  paper
• 8:51
  out
• 8:51
  and
• 8:51
  do
• 8:52
  that.
• 8:52
  Bills
• 8:52
  master,
• 8:53
  just
• 8:53
  like
• 8:53
  we
• 8:53
  talked
• 8:53
  about,
• 8:53
  the
• 8:54
  name
• 8:54
  of
• 8:54
  the
• 8:54
  bill,
• 8:55
  the
• 8:55
  amount,
• 8:55
  the
• 8:55
  minimum,
• 8:56
  and
• 8:56
  how
• 8:56
  it's
• 8:56
  paid.
• 8:57
  And
• 8:57
  right
• 8:58
  now,
• 8:58
  today,
• 8:58
  I
• 8:58
  just
• 8:58
  want
• 8:59
  you
• 8:59
  to
• 8:59
  write
• 8:59
  down
• 8:59
  five
• 9:00
  bills
• 9:01
  again.
• 9:01
  The
• 9:01
  name,
• 9:02
  the
• 9:02
  due
• 9:02
  date,
• 9:03
  the
• 9:03
  minimum,
• 9:04
  and
• 9:04
  how
• 9:04
  it's
• 9:04
  paid.
• 9:04
  That's
• 9:05
  it.
• 9:05
  Just
• 9:06
  start
• 9:06
  that
• 9:06
  list,
• 9:07
  even
• 9:07
  if
• 9:07
  it's
• 9:07
  small
• 9:07
  today,
• 9:08
  because
• 9:09
  I
• 9:09
  guarantee
• 9:09
  you
• 9:09
  one
• 9:09
  thing,
• 9:10
  you're
• 9:10
  going
• 9:11
  to
• 9:11
  have
• 9:11
  more
• 9:11
  peace
• 9:11
  tomorrow.
• 9:13
  Why?
• 9:13
  As
• 9:13
  we
• 9:13
  talk
• 9:13
  about
• 9:14
  peace,
• 9:14
  let's
• 9:14
  get
• 9:14
  right
• 9:15
  into
• 9:15
  scripture.
• 9:15
  You
• 9:15
  know,
• 9:16
  one
• 9:16
  of
• 9:16
  the
• 9:16
  things
• 9:16
  on
• 9:16
  the
• 9:16
  show
• 9:16
  I
• 9:17
  always
• 9:17
  want
• 9:17
  to
• 9:17
  lean
• 9:17
  into
• 9:17
  Scripture.
• 9:18
  And
• 9:18
  this
• 9:19
  one
• 9:19
  comes
• 9:19
  to
• 9:19
  us
• 9:19
  from
• 9:20
  First
• 9:20
  Corinthians,
• 9:21
  chapter
• 9:21
  14,
• 9:22
  verse
• 9:22
  33.
• 9:23
  It
• 9:24
  says
• 9:24
  this.
• 9:25
  For
• 9:25
  God
• 9:25
  is
• 9:26
  not
• 9:26
  a
• 9:26
  God
• 9:26
  of
• 9:26
  disorder,
• 9:27
  but
• 9:28
  of
• 9:28
  peace.
• 9:29
  And
• 9:29
  doesn't
• 9:30
  that
• 9:30
  just
• 9:30
  fit
• 9:30
  today?
• 9:31
  See,
• 9:31
  your
• 9:31
  bill
• 9:32
  plan
• 9:32
  isn't
• 9:33
  just
• 9:33
  a
• 9:33
  money
• 9:33
  tool.
• 9:34
  It's
• 9:34
  a
• 9:35
  doorway
• 9:35
  from
• 9:35
  disorder
• 9:36
  into
• 9:37
  peace.
• 9:38
  And
• 9:38
  hey,
• 9:38
  we
• 9:39
  want
• 9:39
  to
• 9:39
  live
• 9:39
  in
• 9:39
  peace,
• 9:40
  right?
• 9:40
  How
• 9:41
  about
• 9:41
  we
• 9:41
  pray
• 9:41
  together?
• 9:43
  Father
• 9:43
  God,
• 9:44
  you
• 9:44
  see
• 9:45
  the
• 9:45
  anxiety
• 9:45
  that
• 9:46
  hits
• 9:46
  the
• 9:46
  moment
• 9:46
  that
• 9:47
  bank
• 9:47
  cap
• 9:47
  opens
• 9:48
  up
• 9:48
  for
• 9:48
  so
• 9:48
  many
• 9:49
  of
• 9:49
  us.
• 9:50
  You
• 9:50
  see
• 9:50
  the
• 9:50
  tightness
• 9:51
  in
• 9:51
  our
• 9:51
  chest,
• 9:51
  the
• 9:52
  racing
• 9:53
  thoughts
• 9:53
  and
• 9:54
  the
• 9:54
  fear
• 9:54
  of
• 9:54
  being
• 9:54
  behind
• 9:55
  again.
• 9:56
  So,
• 9:57
  Lord,
• 9:57
  I
• 9:57
  just
• 9:57
  ask
• 9:57
  that
• 9:57
  you
• 9:58
  would
• 9:58
  bring
• 9:58
  us
• 9:58
  peace
• 9:58
  where
• 9:59
  there
• 9:59
  has
• 9:59
  been
• 9:59
  disorder.
• 10:00
  Lord,
• 10:01
  give
• 10:01
  us
• 10:01
  clarity
• 10:02
  for
• 10:02
  that
• 10:02
  next
• 10:03
  step.
• 10:03
  Not
• 10:03
  a
• 10:03
  perfect
• 10:04
  plan,
• 10:04
  Lord,
• 10:04
  just
• 10:05
  a
• 10:05
  faithful
• 10:06
  plan.
• 10:07
  Just
• 10:07
  ask
• 10:07
  you
• 10:08
  to
• 10:08
  help
• 10:08
  the
• 10:08
  listeners
• 10:08
  build
• 10:09
  a
• 10:09
  simple
• 10:09
  system
• 10:10
  that
• 10:10
  truly
• 10:11
  protects
• 10:11
  what
• 10:11
  matters.
• 10:13
  And
• 10:13
  when
• 10:13
  shame
• 10:14
  tries
• 10:14
  to
• 10:14
  speak
• 10:15
  to
• 10:15
  us,
• 10:15
  Lord,
• 10:16
  just
• 10:16
  ask
• 10:16
  that
• 10:16
  you
• 10:16
  will
• 10:17
  replace
• 10:17
  that
• 10:17
  with
• 10:17
  your
• 10:18
  truth
• 10:19
  because
• 10:19
  we
• 10:19
  know
• 10:20
  you're
• 10:20
  gentle,
• 10:21
  you're
• 10:21
  near
• 10:22
  to
• 10:22
  us,
• 10:23
  and
• 10:23
  you
• 10:23
  always
• 10:24
  lead
• 10:24
  us
• 10:24
  with
• 10:24
  peace.
• 10:25
  And
• 10:26
  I
• 10:26
  ask
• 10:26
  this
• 10:26
  in
• 10:27
  Jesus
• 10:27
  name.
• 10:28
  Amen.
• 10:30
  Let
• 10:30
  me
• 10:30
  encourage
• 10:31
  you.
• 10:32
  You
• 10:32
  can
• 10:32
  breathe
• 10:33
  again.
• 10:34
  You're
• 10:34
  putting
• 10:34
  peace
• 10:35
  on
• 10:35
  the
• 10:35
  calendar.
• 10:37
  And
• 10:37
  right
• 10:37
  now
• 10:37
  I
• 10:38
  want
• 10:38
  to
• 10:38
  invite
• 10:38
  you.
• 10:38
  If
• 10:38
  you've
• 10:38
  got
• 10:39
  a
• 10:39
  question
• 10:39
  for
• 10:39
  this
• 10:39
  show.
• 10:40
  As
• 10:40
  you
• 10:40
  can
• 10:40
  tell,
• 10:41
  we're
• 10:41
  really
• 10:41
  leaning
• 10:41
  into
• 10:42
  the
• 10:42
  questions
• 10:42
  these
• 10:42
  days
• 10:43
  because
• 10:43
  that's
• 10:43
  what
• 10:43
  really
• 10:43
  fuels
• 10:44
  the
• 10:44
  show.
• 10:45
  If
• 10:45
  you've
• 10:45
  got
• 10:45
  a
• 10:45
  question,
• 10:46
  go
• 10:46
  to
• 10:47
  financiallyconfidentchristian.com/question
• 10:51
  we'll
• 10:51
  put
• 10:52
  that
• 10:52
  in
• 10:52
  the
• 10:52
  show
• 10:52
  notes.
• 10:52
  But
• 10:53
  I'm
• 10:53
  going
• 10:53
  to
• 10:53
  give
• 10:53
  it
• 10:53
  to
• 10:53
  you
• 10:53
  one
• 10:53
  more
• 10:54
  time.
• 10:54
  It's
• 10:55
  financiallyconfidentchristian.com/question
• 10:59
  i
• 10:59
  would
• 11:00
  love
• 11:00
  to
• 11:00
  have
• 11:00
  your
• 11:00
  questions
• 11:01
  submitted
• 11:02
  to
• 11:02
  the
• 11:02
  show.
• 11:03
  So
• 11:03
  thank
• 11:03
  you
• 11:03
  so
• 11:04
  much
• 11:04
  for
• 11:04
  joining
• 11:04
  me
• 11:05
  today.
• 11:05
  Stay
• 11:06
  financially
• 11:07
  savvy
• 11:07
  out
• 11:07
  there.
• 11:07
  May
• 11:08
  God
• 11:08
  bless
• 11:08
  you.
• 11:09
  You
• 11:09
  have
• 11:09
  a
• 11:09
  great
• 11:09
  day.
• 11:10
  And
• 11:10
  don't
• 11:10
  forget
• 11:11
  to
• 11:11
  come
• 11:11
  back
• 11:11
  tomorrow
• 11:12
  and
• 11:12
  see
• 11:12
  me
• 11:12
  again
• 11:12
  on
• 11:13
  Financially
• 11:13
  Confident
• 11:14
  Christian.
• 11:14
  God
• 11:15
  bless
• 11:15
  you.