But she said, despite her hesitation, she's worried about her family and willing to look for work. "I'll absolutely go out and look."
Ramsey said, despite the cuts the family had already made to their expenses, "if we are trying to balance a budget, you've got to win death by 1,000 cuts. That means that all of those little cuts matter. No gift giving. I'm not suggesting you never give again, that you never pay a kid's rent again, that you never help out again with seven kids. But in this window, every dollar, every nickel that we can squeeze out of this, matters."
For Anita Wiggins, the thought of not sending gifts to her children and grandchildren was tough to swallow.
"It makes me sad to have it not be a possibility," she said, but agreed that it was necessary.
Find Free Summer Fun
For the Bell family, Ramsey said it was important for them to discuss the situation with their children and introduce the word "no" to their vocabulary.
"The kids are the hardest place to cut because they are so sweet and they've got those big eyes and they look at you," he said, but added children don't need gifts to have fun. "I mean, it's amazing what a kid can turn into a game if you let them. It's we parents that have decided that we have to spend a bunch of money for something to be fun ... find a couple of free things that you can do that are entertaining for the kids without the normal spending process that they've become accustomed to."
Establish Job Search With Deadlines
"Latavious ... we've really got to address this career issue," he said. "You've got to slice the ego down. I know you are looking for a job, but I mean, you are going to look for a job. And you are going to lay a deadline out there: if I haven't landed the big job, I'm going to start picking up little jobs. All kinds of things. Whether it's stuff in your field or it's just some part-time contract work, all the way down to delivering pizzas and parking cars, do it. You should not be relaxed. You should be in gear. "
"The stuff he was saying was definitely me to 100 percent," Bell said. "Kind of cocky ... and kind of nonchalant about getting a job. Not really aggressive with it, and that shouldn't be."
Better Budgeting: No Shopping or Eating Out
"Lastly, there's some cuts that you guys can make, and this is very, very important that you do this," Ramsey said. "I mean $400 for ATM and it goes where? We don't know!"
Ramsey also said the family must cut back on eating out at fast food restaurants up to seven times a week, which costs them approximately $220 weekly.
"That's something we could down on," Tawayna said, and her husband agreed.
"Deal with the kids on that, OK?" he joked.
"I gave you some tough suggestions but they are very, very doable, and it is going to be better for you in the long run," Ramsey said. "Hey, adults devise a plan and follow it. Children do what feels good. It's time to be grown ups. You can do this and you'll be glad you did."