I Stopped Using a Credit Card For 30 Days and THIS Happened! 

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!

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 🤣

Dave’s face is priceless

Good for her. The highlight is don't look to your left and right.

DELIGHTFUL lady! She even melted Dave's heart! 😍

This woman made me day!!! 😂

She’s too cute! Reminds me of the seniors I serve everyday…such a joy to listen too

She is witty and lovely! What a great call.

😂 this lady makes my day man wish more people can take the chance like her

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.

"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.

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.

I know what she's talking about. It's like a sense of self confidence with your finances when you gotta do cash.

When I spend with debit card, I feel the pain because my balance goes down. I check the balance all the time.

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

Oh my word I love this lady! You must have her back!!

Love her attitude! Have a nice day guys.

I wish more people would call back after taking Dave's advice and doing this, giving the listeners a detailed description of the journey

Wow this lady call in was so good that it almost seemed like a skit 😂

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.

She seems like a very lovely lady. I’m so glad it worked for her.

I’ve been saying this for a long time. Cash will make you think differently.

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

I was expecting for Dave to jump in at 3:45 and say "sell the dog"!!! :D

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. 😜😜😜

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

What an amazing lady! That's inspirational.

This lady is great!

I’ve been doing this for a few months now and it has definitely helped keeping my spending under control!

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 will get you political, right there" says Dave. I laughed at that! But it is SO TRUE!

I love this call SO MUCH! Thanks Anne for a good call

I wish you let her talk more. She was a treat.

Favorite call today!

I love this lady! Such a powerful and compelling testimony. Very motivational! :)

Best phone call ever! Good for her.

I love this lady! She is adorable!

Omg she's hilarious 😂❤❤❤

I tried this no credit card month and it’s been good till now. Learned to keep some money in my account.

One of my favorite calls!!

Brilliant!! Dave's point at the end with "leaving with both things" is so true!

She sounds very cheerful and nice.❤❤

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.

Great call! This lady rocked!

Love her call:)❤️👍💪🏻👏🏻

I need to listen to get advice. This is awesome.

George was sweating lol now wants a raise lol wonderful woman !

What an uplifting caller

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

I love her. ❤ Her spirit is so bright and cheerful.

This woman should be on her own sit com show!

I have this problem with Apple Pay and my debit card, I’m going to start doing this

She is such a lovely ball of joy to listen to!! ❤️💖💗🌸✨🌟

Her voice change at 3:36! 😂 That was a great call!

My goodness, bless this lady

She reminds me of Lucy Ricardo’s mother, Mrs. McGillicuddy.

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.)

This was so inspiring I’m going to do this challenge

Anne from Austin is absolutely ADORABLE!!!!!! I love her!

She's so cute!! Dave loved this call. It's all over his face.

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.

We should make a challenge of 30 days. Buy only essential items that include gas, rent , grocery food and medicine .

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

This lady is awesome....

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 ❤

Good for her!

This is so true, as I personally have done it only for a week.

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!

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....

She’s amazing!

I LOVE this!!!

I love this episode 😅

Good video and entertaining 😊😂

I love this!

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

She's adorable! You need to get her on the show!

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)

House insurance is out of control in Butte County. I can't afford almost $10,000.00 a year.

This was fantastic

I feel the opposite using cash I always spend more

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.

Anne sounds like she bakes the most amazing cookies. Hahah shes great

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.

We, the sheeple, need to ensure the powers that want to be can't do away with cash and go digital only.

She's too cute 👏👏👏👏 enjoyed the call!

Dave and congress🤣🤣🤣

What time does this lady start drinking?! 😆 she sounds like a blast

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.

This lady is so cute! She reminds me of Aunt Bea from Andy Griffith.

Hey, I heard that every thing will be digital soon and no cash will be exchanged after a certain time.

This darling lady sound like Judy Garland from the Wizard of Oz.

She is so adorable!

God bless her ♥️

I love her!!!! She was great!

Ahh... what a sweetheart!