Is Budgeting Really That Hard?

💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...

[@hollyb6885]

Dave should ABSOLUTELY make an app where he yells at people if they overspend in a budget category!!!

[@rosamariameza801]

Amen!

[@mackdaddy4353]

THIS IS INSANITY! YOU DONT GET TO SEE THE INSIDE OF A RESTAURANT UNLESS YOU WORK IN ONE!

[@kenanlauder7424]

It's called everydaverant

[@dannyboy9254]

dave since I been on a budget I dont see the inside of the restaurant for a long time. I go to drive thru now.

[@jamiechang1561]

Amen. They should have a Dave Ramsey bobblehead with his voice saying his phrases!!!

[@KatieDclark]

Budgeting saved my life! I constantly was saying “where did my money go?” And now I know where every cent goes

[@urano4810]

I go crazy if I lose track of even a penny. It usually ends in me backtracking through our statements until I find it. It's usually a typo when I enter expenses in our spreadsheet 🤦🏻‍♂️

[@izoneoutzi1]

Tell your money where to go instead of wondering where it went

[@kelvinjavier4]

izoneoutzi1 frickin epic

[@danteburns7118]

John Maxwell

[@TokAlis11]

Love this!!!

[@sethwade]

izoneoutzi1 THAT is good advice right there

[@gardenofe12]

So simple yet so hard for some people 🙄

[@jv4nderh4m]

Budgeting, just like staying healthy, is a lifestyle choice more than anything.

[@eileenlester3313]

OMG...food is so easy to overspend on! When you see it in writing...it's a wakeup call!

[@cc-journeytowardsfinancial7060]

Budgeting is hard. Especially if you've never budgeted anything before. But man... once you get the hang of it, it makes a huge difference when you're on the debt free journey.

[@OriginalDisplayName]

I’ve luckily never had debt before, but man I can’t imagine going back to a life where I’m not budgeting. I’d feel so nervous not knowing where my money is going.

[@jamiechang1561]

Agreed. Its a way to teach us how to self discipline with money

[@racpatrice]

This simple principle of telling EVERY DOLLAR where to go before i started spending was life changing for me! Accounting for every dollar...thanks Dave. You have truly been a blessing in my life

[@candy2325]

I’ve been budgeting for months and it has totally saved me financially. A lot of people budget monthly, but since I get paid weekly I always budget on a weekly basis, which is awesome because I can track my expenses and spending more often. I personally love budgeting with pen and paper. I’m not a big fan of apps honestly. I just love writing things down and making notes to myself.

[@aubreysellssofl]

I like writing mine out as well

[@notmebutyou8350]

👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻

[@palmtreesmimosas8053]

I've learned more from dave ramsey than my ENTIRE 12 years in school... 😎🙌🏽💯

[@cohiba1982]

Because school really isn’t for learning.

[@RonJohn63]

Budgeting is nothing more than #1 putting round pegs in round holes and square pegs in square holes (which you learned as a toddler), and #2 arithmetic and subtraction (which you learned in second grade).

[@MrZwartwit]

RonJohn63 still 1/3 of population does not do it for whatever reason. Its dumb do as it saves me 10% of my paycheck by directing money where it should go to. Instead of regretting later.

[@RonJohn63]

@@MrZwartwit *not doing* something you know (or can trivially figure out) how to do and *not knowing how* to do something are completely different Someone as smart as you should know that.

[@delilah1377]

honestly yeah, the school system needs to be changed. right now its the same system as it was in the early 1900s, built to make factory workers who follow expectations well.

[@michaeljuliano8839]

I think understanding that you will be bad at it at first but that you will improve is important to understand and accept. Too often people do bad once and give up.

[@cathyrowe594]

Even those who are good at budgeting fall off the wagon occasionally. A splurge once in a while is ok as long as you get back on schedule afterwards.

[@monarchmontgomery9831]

Did a budget for the first time this month. I was off on groceries and haircuts. Next month, I made the adjustment

[@benwhitnell]

Budgeting might not be complicated, but for some people getting control of their money IS that hard! For everybody that saw the light in January, stick with it! Feels great on the other side.

[@blackworldtraveler3711]

benwhitnell Don't see the big deal. My entire household budget is in my head. I keep things simple.

[@JamConcerned]

What kicks in is how their family spent their money. Which might be to spend it all, and then use the credit card when you don't have the funds.

[@benwhitnell]

BlackWorldTraveler well the data suggests that your anecdote is just an anecdote. I don’t see how some people can’t differentiate between personal experience and demographic data, but here we are all the same.

[@blackworldtraveler3711]

benwhitnell It's my own personal experiences that made me wealthy and retiring next year 15 years early not data. Don't even care about the data. Just keeping things simple and use common sense.

[@benwhitnell]

BlackWorldTraveler we’re all very impressed. Both the first and second statements stand.

[@annalesher3753]

I love budgeting :) My husband and I have a big budget committee meeting at the beginning of the month and then have a quick meeting (usually 5 minutes or so) every Sunday after that just to touch base. Then of course, I run numbers a few times per week because I’m obsessed 😂

[@laurah6381]

Anna Lesher oh gosh, me too! I'm constantly checking and re-checking my numbers!

[@shanaythornton4718]

Anna I do the same thing 🤦‍♀️🤦‍♀️ I'm obsessed with my budget.

[@SoundCityNetworkTMMain]

Obsession is one key to success

[@AbidingHopeMentalHealthCoach]

Me too! I obsess about the numbers a lot.

[@lriver5766]

Me too!

[@dufusbrigade]

I started budgeting with my wife a few months ago and I liked the results (thank you free spreadsheet program). But we were still using the debit card for all purchases and felt like the money was still not being properly accounted for. Now we use cash and envelopes instead and it works a lot better. And for the first time in over a decade I am able to put money aside in savings. Too bad Dave isn't running for president, because maybe then the congressional budget would be balanced and America would be debt free in 6 months.

[@robedmund9948]

Budgeting is SIMPLE! having the discipline to stick to a budget is the hard part. Some people aren't willing to sacrifice. They feel entitled to a new car, a $1k phone, a 4000 square foot house, etc. Ya can't fix stupid.

[@blobofjam]

I struggled to do a budget where every penny was set out as I felt it was too restrictive, instead, I tracked my spending for 3 months then gave myself a weekly budget the I knew was livable. With this system I can save 60% of my income but still feel can do what I enjoy, if I spend too much one week I just know I have to cut back the next.

[@yamamancha]

Pretty much the same thing I do. It's simple at it works.

[@carojames6776]

You have found a way to manage your finances that works for YOU and that's the most important thing. Keep it uo .

[@sydney45]

When we put together our budget and we KNEW we had all our essentials covered, we dumped the rest into a "gift fund" or "restaurants" as both of those are extras and not necessities.

[@tiendoan1333]

My budget for 2019. My monthly income is 2,300. $750 is left aside for rent, insurance, groceries, taxes (which is next to zero), and car gas and repairs saving. $550 into emergency funds (which is hold in a 2+% saving account). $900 dollars into Roth IRA account. $100 is for me to make free choices. I'm trying to save that up so I could get a bike.

[@Mi4mi_joe]

Tien Doan $750 is divided into rent, insurance, groceries and gas? How much is your monthly rent? That’s crazy !

[@ambition1911]

Tien Doan what’s your food allowance?

[@mizzmiami3242]

Joey Alvarez probably lives with family 🤔

[@davidbishopputnam6750]

It’s not allowed to invest more than $6000 a year or $500/month in a Roth. How are you investing $900 a month?

[@coachbahman]

Budgetting is all discipline. Without discipline every system will fail!

[@RonJohn63]

I kinda disagree. Budgeting is putting round pegs in round holes, and square pegs in square holes. What requires discipline is *deciding to sit down* and put the round pegs in round holes, and square pegs in square holes, and *stopping* when all the round holes are filled with round pegs and the square holes are filled with square pegs.

[@JustBeingAwesome]

But discipline is boring.... :-D

[@MrZwartwit]

80% behavior. 20% knowledge

[@BestHKisDLM]

Discipline equals freedom.

[@justkandace]

I love the navigation analogy. ***Rerouting***

[@InvestingHustler]

No ,you just have to be disciplined and stick to your game plan !

[@cathyking610]

I love my every dollar app!! I found it to be fun to enter info and really see what I am doing! My husband and I race to see who enter what and hold each other accountable!! We look at money differently now!!

[@lawrenceekdahl1138]

I am 87 years old and I have always had a budget. Today I have 15000 in the bank and 14000 in savings and no debt

[@tonysteel1377]

I don’t have any written or budget applications. I simply set a weekly amount to reserve. In addition, I either stash or invest all windfalls such as bonuses, and tax returns. 🏛📊

[@gigi8528]

It’s sometimes difficult to stick to it but not impossible.

[@almarosa154]

Have to be consistent!!! Stop making excuses!! Stop being in denial!!! Say NO to anybody who asks for money. Say NO to everything that is not in your list

[@1redrubberball]

The majority of folks can't say "No" to themselves!

[@granitemoss1451]

Plan your work and work your plan.

[@lisaburmood5540]

We live in a reactive society instead of proactive. Budgeting is being proactive and working your money BEFORE you get into trouble (debt!)

[@ariefraiser140]

With all the tools, software, etc available today there really is no excuse for not keeping a budget. There are tools like Mint which does a decent job of tracking your spending.

[@JTDyer21]

I love the envelope system. I feel so free and sooo much less stress when I budget and use the envelope system. I know exactly how much I can spend and I'm in control. I love it.

[@KylesBigPig]

Dave Ramsey GPS: "In $450, make a student loan payment!"

[@catherine380]

Kyle's Big Pig ha! 👍

[@richardsanchez9190]

Hahaha niceee. That's so appropriate.

[@knk9657]

‘It forces you to live on purpose’ love that....

[@cattsmahal1005]

Dave Ramsey audio: stop spending too much money stupid! 😂

[@dolcedolente]

+1 for Dave yelling at me through the Every Dollar app when I overspend my budget in the next update.

[@goodtogo3]

it takes many months to get the budget down...but once you do it feels good

[@DarinPirkey]

I find that when I help people budget it takes roughly 3 months to get it right. It's a complete change for most people and many people dont know what they spend.

[@MzVan21]

Best thing I’ve EVER done and I actually enjoy doing it

[@stephaniejane306]

When will the Every dollar app be available outside Canada/US?

[@janiecel]

My first budget was embarrassing. We thought we spent $200 on restaurants... reality? $600. Lord....... listen to Dave, my friends. October of last year, we were spending our way into the red every month. Every month we did better. Now? We save 40% of our income every month and that’s not even accounting for more changes we made this month to effortlessly save another $600/month. I’ll make a video about it. He’s very very right. Listen to the man.

[@diegolara4202]

Budgeting is not that hard. Just assign each dollar a job and stick to it. If your fun money is running out then you know you have to wait until the next budget period. Yes you will sometimes break the budget but the idea is to stay in track after that.

[@CoolkenyanInisrael]

I love your advice.

[@gardenofe12]

I have been keeping a budget for over 10+ years and it’s the BEST thing ever. I don’t do the Dave Ramsey way by assigning every dollar to a place. I do the opposite whereas every dollar I spend I write it down or in my case I have a spending app that I enter into. Same thing but a variation of the Dave Ramsey method. At the end of the day I know where my MONEY 💰 EVERY MONTH !!!

[@Sevendandra]

Family is skinny and hungry 😂 Well maybe that's the key to weightloss! Lol

[@promise7407]

Val 😂😂😂🤣

[@TopShot501st]

When simple addition and subtraction is too difficult...

[@KnockoutInvesting]

I don't make enough for the budget I need haha.

[@MsJoyce31202]

Budgeting and sticking with it. I can write it out all I want and that's good record keeping but staying with in the boundaries of it is even harder because it must be put into practice.

[@Jennifer-1724]

I started your plan 15 years ago with the CD's and book. If you stick with it you will have enough money to invest in reality or whatever 😎

[@melissawalker9523]

Dave Ramsey for president! Campaign slogan: "Deficits are Stupid. Get America Out of Debt!"

[@LCmonman]

Yes to Dave’s voice on every dollar 🙌🏻😆 “THAT’S STUPID!!”

[@RobsonBotelhoR]

I wonder when there will be an EveryCurrency app for those who live outside the US.

[@evas433]

There are so many similar apps to use. I've been using Money Manager and I love it.

[@ChooseU4ever]

Robson Botelho Dave’s app has different currencies. I’m in South Africa, I use it.

[@murielmushariwa4051]

@@ChooseU4ever Does it mean we need to save R14 000 in emergency fund in South Africa

[@ChooseU4ever]

@@murielmushariwa4051 Hi Muriel I don't do the conversion. I saved R10k for my baby step 1. Then for a fully-funded emergency fund, I saved 8 months of my monthly expenses

[@flowergrowersmith449]

By golly, he's right about the food. I've been tracking my spending for years now and I still remember the total shock about my grocery spending..if you pay with cards, you really have no idea, trust me!

[@drunclecookie216]

I've paid for groceries with credit cards for 20 years now and it's not that hard to keep track. I have a monthly spreadsheet that I use to keep track of all expenses bills, gasoline, groceries, and I enter in the amounts every time I spend any money on any of them. last year our average monthly grocery expenses came out to be $740 a month. Last month we spent $591.17 on groceries. Plus with my card I get 2% cash back on groceries and 3% cash back on gasoline. every two years I get a free month of gas and groceries from my points

[@flowergrowersmith449]

Can't argue with that Ryan! I guess Dave would say that you're still "playing with snakes". The temptations with credit cards (to purchase stuff and not pay the balance in time) are for many people just not worth the points or convenience, is what I think he means.

[@drunclecookie216]

@@flowergrowersmith449 yeah, my mind works completely different from most people. Being a civil engineer my mind has a very mathematical approach to everything. Whenever I have cash in hand I consider that money already out of the bank and it's not going back in, so I will blow it much faster. When I use a credit card I consider that purchase as building up a monthly bill that I have to pay so I'm less likely to spend because that money isn't "gone" yet, but I have to pay for it. The numbers on a computer screen for my bank account have a bigger impact on me then a piece of green paper in my hand.

[@sgtbeefcakes3451]

I am so glad that I decided to try to start budgeting now, before I ever had the chance to get in debt. I am still living with my parents at the moment. (I'm 18) And I am currently working toward saving up to get a vehicle and then branch out from there. I got into the job market a little late sadly, but I am just now finally getting a grasp on things. I pay my parents $120 a month for phone and food, and am planning on saving the rest, with an exception. My one exception for myself is a little bit of allowance. For every $10 of what is left after putting in my minimum savings amount, I get one dollar. Say after everything I have $100 left. I get $10 and get to spend the ten wherever whatever whenever. The other $90 will go directly into savings.

[@lovelyoldmusic]

good luck dude i wish i started as early as you

[@bill1682]

How come we can’t get the every dollar app in the U.K.

[@tiffanyantopolski2888]

Or Canada?

[@MikeMike-yc8gg]

Because you're not f*cking Americans DEAL WITH IT . Lol JK

[@1redrubberball]

@@MikeMike-yc8gg Why does a person need an "app"? Pencil and paper works just as well!

[@alissonvonderlane862]

The Dave Ramsey audio guidance on the app!!! Yassss!🤣

[@twiceliving]

LoL, I want Dave to yell at me on EveryDollar haha.

[@Antoinetteelean]

When he said I was wrong about my grocery budget 😭 I feel attacked lol

[@MrsTediCole]

ANTOINETTE ELEAN same 😂

[@NeoMoses]

It’s because your not used to being told what’s right from wrong

[@justinwillms17]

Budget restricting? I actually noticed I had more money to work with than I thought after I eliminated all the fluff I spent money on.

[@aubreysellssofl]

I have my monthly expenses laid out but since I’m self employed/full commission/unpredictable income…I have to figure out how to make it work!

[@HomemakerDaze]

I wouldn’t mind hearing your voice on my shoulder telling me not to buy that haha

[@mnola4742]

It’s good to know that the budget is not supposed to be set on stone 🥴 that’s why I never did a budget before -it never worked out as written . Ive been budgeting for 1 1/2 months and I have to readjust my budget daily but I’m letting myself reap the consequences of not sticking to my budget instead of getting a lifeline from the credit card. The thing I’m doing wrong is not having a detailed documentation of where I ultimately spend each dollar after shifting the budget around. I will start doing that going forward to arrive at a better prediction of how much money to allocate to each category in the future= less reworking of the budget

[@SniperReady]

I think the one part that I got super lucky with was that my food/eating budget was enough. It took some time to go through my transactions to figure it out, but I think that's why it was more accurate. I haven't had to adjust it since I made it. I assign $860 a month to groceries, eating out, taking a cab/uber/lyft, buying little expenditures, and buying clothes. That's a little less than 20% of my take home pay. What's been great about this budget is that I don't feel restricted at all, and often times I spend less than the full amount ($430 per 2 week pay period) and end up putting whatever remains into savings. This has allowed me to feel like I'm not held down by my budget, but to also add more to savings/paying debt and to gamify each week to try to squeeze a bit more out of my bi-weekly budget to put into my high score savings account.

[@vladgradinariu30]

Since I started this we’ve been saving about £1500 per month, and we’re not even on rice and beans….

[@samshouse2822]

We don’t even use pay phones or yellow books anymore to find these places we just use are conviently handy smartphones

[@peace-a]

It takes around 90 days to get the "rhythm" of your budget, per Dave. It's true! Then, once you're there, it's sort of addicting. I'm debt free and I still budget down to the penny with every paycheck. You got this!

[@shirlot]

My first food budget was over budgeting. I was able to cut it back.

[@singing.winnie]

Budgeting is not Restricting. It's a Spending plan.

[@SavingwithChristina]

I think budgeting is fun! I love seeing how much I can save each month!

[@managingmonasmoula9811]

Me too. I love to crunch the numbers and save money. 😊

[@mikeshaw4610]

You were spot on on the food bill.

[@Stormy_Dawn]

Every Dollar app...downloading it now!

[@brandicheek2167]

Can someone answer a question for me that I've been running into on our budget? If you have job expenses that you get reimbursed for, how do you factor that into the budget? For instance, if my husband spends $30 on gas but gets reimbursed 4 days later, how do we record that? Do we simply take it out of the regular gas budget as an expense, and then add it back to the budget as money earned? This is confusing to me.

[@Dwynfal]

Mr Ramsey Please make the Everydollar budget app available worldwide! Ok, the Plus and some banking functions won't be available for my little corner of the world but even just the basic budgeting function would be GREAT! I've got budget on paper following your principles but I need something digital and portable to help keep me on track. I'm trying my 7th free budgeting app and none of them mesh with your approach! 🙁

[@Dwynfal]

@Anguiano Consulting I have, and it works ok but it's always a bit of a hassle. I'm not a excel wiz and making tables and graphics to show me how I'm doing is beyond me. This is why I want an app, to sort through the raw numbers, tell me where things are going wrong in a visual way. The "best budgeting app in the world" should be available worldwide, don't you think?

[@joshmatthew4125]

Budgeting is the key!

[@chrisoo8998]

I've just cut all takeaway out an pack lunch for work crazy how much you save and coffee from home

[@Spaceysgurl]

Dave cracks me up!

[@smokinhalf]

i did it back aswards . i was Investing little at 20 and investing a boatload at 50

[@theblacksmithshammer]

A voice saying "QUIT SPENDING LIKE YOU ARE IN CONGRESS!!!! "A FLEECE!!!! THAT'S STUPID!!!!!" And so forth.

[@nicholasjarrett4480]

Me: overspends Dave Ramsay: SSSTEWPID!

[@wichelhausfab5309]

Looking after your pension and budgeting for food/bills should be taught in school. It's not here in the UK

[@lulustoovintage4710]

So true with the budget for food. I was in shock how much we were spending on groceries each month and fast food!!!

[@scottone6498]

Much harder with irregular income streams, IMO

[@catherine380]

Scott One i have to just track spending and keep track of everything, and just set a percentage of paychecks into savings accounts. Because our income is so irregular, paycheck one week, then again two weeks later, then not again til 4 weeks later, then 2 weeks and 2 weeks then 4 weeks... sometimes a little more or a little less amounts... so it’s different every month and impossible to budget the way they say to. But I still try! It makes a huge difference even just to keep track of every transaction and see what we’re spending money on and where we can make improvements and stay on track.

[@carojames6776]

MAKE a budget that suits your finances.

[@sydney45]

Budget for the minimum amount you expect to make in that month. Any overages go to your baby steps. We get paid hourly so each of our checks can vary + - $100 x 4 checks between the two of us. We budget for the smallest check we expect to receive (our average check -$50 or $100) and since we're on BS2, anything extra goes to debt (though we might get crawfish this month)

[@whitewolf6388]

For anyone in the UK who can’t use the US-only app, I recommend the app called Spending Tracker

[@lionessnala2000]

Thank you

[@benanderson4639]

I love how real he gets. Calling people what they are... Stupid

[@mac1bc]

Yes it is. Just like dieting, it sounds good but hard to stick with.

[@carojames6776]

Believe me, its the BEST feeling in the world but you have to find a budget that is best for YOU. Been doing it for years and LOVE it and given time you will too!!!!!

[@OmarQ90]

I can't download the app bc I am outside of USA!

[@gregdubya1993]

try Mint by intuit

[@natesw0rld]

I was about to buy lunch lol ate some leftovers instead

[@knowbodiesfull5768]

Shelter, gas & electric, food, transportation. Those come first before anything else. No more trips to McDonald's (or any fast food) for a while. One new shirt and one new pair of pants per month. Cut back on unnecessary driving. Brown-bag your lunch. No lottery tickets. If you smoke, make an effort to quit. Those are just a few things to help you keep more money in your pocket and in your savings account.

[@paulkiddconsultingptyltd7356]

Please release your App on the Australian Apple App store 🙏🏻

[@Maxdouble07]

There should be an app right before you try to buy something on a credit card you here the Dave Ramsey intro music.

[@jaidenitiss1651]

There are two types of people in this world assets and liabilities.

[@special1740]

What is a good amount to spend on groceries for adult female and adult male? Dave never discusses the numbers for groceries.

[@karin0963]

At 3:58 I love the idea. I could hear Dave now. I should just imagine it when I go over budget in a category. Lol

[@LunaBellaAcres]

An egg can get 40 million likes but people still can’t budget....what a world.

[@PlantBaePapi]

Bubba Gump not a really good comparison... even a baby can tap a heart on Instagram.

[@LunaBellaAcres]

Chris Slayer I know I was just joking.

[@marlenewebster7095]

Where's this egg?

[@LunaBellaAcres]

Marlene Webster Instagram my man

[@lovekindness5637]

Weak people

[@joshuawalker199370]

Why is the every dollar app not available in Australia?

[@whiskeygolfer]

But what happen if your behind on payments. And you have to pay more. And each payment is different dates

[@aolvaar8792]

Direct deposit into an auto pay account. Fixed payments are auto paid. mortgage, Utilities, Electric, car insurance, credit card(gas), phone, cable, internet, medical, ….. I roll all excess into savings every month, "Xmas" fund

[@BlackMenAreDope]

It’s really that hard for people who haven’t truly decided they want their financial lives to be better

[@scott5537]

My spouse has no interest in a budget. It’s aggravating

[@hemantparakh8995]

A maximum of 49 Budgets can be made depending upon the subject required to be Budgeted the only thing required to be known is thar Tax cannot be Budgeted the more Budgets are made the more amount of Tax would be saved

[@bethmedina9200]

“It ain’t Congress.” 🤣❤️🎯

[@courtneyhaselberger2382]

Any advice on how to budget on a “single”income that is not salary? My husband travels for work for his civilian and military jobs, and though I meal prep as often as I can he still has quite a bit of meal and travel expenses… I don’t know how to get us in a good spot.

[@aldogg1987]

Hey Dave, I live in the UK, the everydollar app and website aren’t available here, is there anything you can do to expand coverage so that your neighbours here can benefit also please? Thanks for all your advice, you’re helping me adjust