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Awesome video

Yikes! Unfortunately, you need to get out from those cars and close those credit cards. Those are some big diamonds on those hands…

Those student loans are off the chain! I feel for you.

That's a lot of debt. Snowball those small balances. Could really do it in a month. All the interest rates u guys have other than the mortgage is killing u guys slowly.

Your video randomly showed up on my feed. Hope you are still on track!

I did 4 years in the Navy in 1976-1980. I used the GI bill to help pay for my college. The GI Bill would pay you up to a certain amount based on the number of credits you took. I went to a private college so the amount they gave me did not cover 100% tuition. Sometimes you need to make sacrifices yearly in life to help get started on the right foot. I had about $6K in student loans and worked a second job after college to pay off the loan faster. $6k may not seem like a lot but income was much lower than today. Many students were getting about $15k-$19k a year for their first job out of college.

You guys are 1/2 a million in debt. You both got this.

Your monthly payment is more than what you're saying, according to monthly payments you showed us.

Hi friend, thank you for your transparency. I've been a teacher for 25 years. I felt every bit of what you were saying in this video. All you need to do is wake up every morning and put one foot in front of the other while you work your plan. Trust me you can do it. I was debt free in 2020 then life did the most and kept doing ever since. Also, you have a partner. Hold each other accountable and get 8n a better place with your debt. Even if that means it's not all paid off. You got this 🎉❤

As a fellow teacher, I totally understand the guilt behind spending so much time with other people’s kids that your own children don’t get the best of you as you say. BUT I honestly think it would be much more fruitful to reduce your stress so they can have more of you instead of spending on vacations when you don’t necessarily have the money to do so. If I were in your shoes, I would drop to part-time work or maybe take a teaching role that is less strenuous. Sounds counterintuitive since you need to pay off debt! But it might actually help because I think a lot of people’s spending issues have more to do with emotional needs rather than a lack of financial knowledge.

What happened? Are you okay?

Thanks for sharing! My family is on a financial freedom journey as well. I am looking forward to following your journey. New Subscriber.

Sorry he loss his job and pray he finds another just as good.

Mrs Mom do what is best for you and your family. you see the debt, knock down the lowest first and remember you could get the loans deferred to allow you to catch up on the small bills. Now make sure pay yourself take 20-50 a check and put away for emergency savings. When you shop, make your budget to stick with (envelopes with how much you would spend in categories like laundry, gas/light/ car note, insurance, mortgage, food, student loan, credit cards etc. Write down what you want to pay each category.

As if you one more time stand up after failing, there is no fail. Try and error.

Thanks for sharing and being REAL! Blessings to you.

Students can go to community colleges. Cars can be sold. Vacations are optional. Change your brand of toilet paper. However, it's your journey and you will work it out.

Shouldn’t the eating out budget be 500-239? I don’t think it would be $510 left?

Hiiiii, would love to hear an update on your debt journey!

I won’t give up vacations either. Ya gotta live. 😊

My anxiety is on overdrive now after watching this. I have zero debt and a paid for house. My minimum monthly payments for internet, cable, utilities is less than $400. I save 70% of my income and live off the other 30% and I worry about spending too much.

I would flee the country and change my identity if this was my life situation

You need to pay a professional and follow their advice. You have 405k in non-mortgage debt! You’re way to casual about this, sacrifice starting now!

Welp another dead channel

Yes, your vacation expenses are definitely debt.

Thank you for being brave and putting your story out there. Blessings on your debt journey!

Hi sister ...watching from cape town south africa Im 10 yrs older..life happened too and I a similar situation...Aug we start being financially aggressive too so let's keep each other accountable

Can anyone explain the purpose of a timeshare? Seems like a scam to me

If you have federal student loans, apply for Public Service Loan Forgiveness (PSLF). I’m a former teacher and PSLF has been a lifesaver. Good luck on your journey!

So proud of you! Awesome video new subbie here!❤🎉

When you said that you are expecting over $13,000 income I was like dang 👀. We have A LOT of debt to dig ourselves out of as well happy to be on this journey with you! We got this.

Congratulations on getting your student loans wiped out! Good luck on your journey, you got this! I’m also on my journey and I’ve found the easiest way for me to not overspend is having cash in hand. So the envelope method has helped.

Maybe you should listen to a few financial guru’s to keep you motivated 🤷🏾‍♀️

I hope you have an emergency fund, even if it 1000,- dollars

freeze as much food as you can to eliminate waste. if i made sloppy joes, i make a big batch and freeze enough for 2 sandwiches per serving. easy to warm up and all you need is a bun and chips. meal plan like ground beef pasta casserole, spaghetti, chili, coneys, lasagna. i budget $800 a month for groceries PERIODT! we have a free pop up produce monthly. look for local resources also. ALDI can be your best grocery friend. i even freeze shredded cheese.

Cars - “gas, tolls, CHARGING” - got it so you’re one of the idiot broke people who bought a Tesla. Congrats.

Timeshare 😂

YOUR CAR INSURANCE IS $1000 PER MONTH?!??! I need to pick my jaw up off the floor. What are you doing?????

You ask for “tip and tricks” and people give them to you - you just don’t want to listen to them. So you make no progress. Get serious about what you’re doing or stop wasting your own and others time by making these pointless videos.

You’re screwed lady. Good luck. I trust I’ll somehow end up paying this back for you at some point in the future.

My wife and I are on our debt free journey too so thanks for sharing. The interest on your student loans compared to the minimum payments are very scary. Have you checked into that? The interest looks like it would be higher than the payment. I know some loans interest will capitalize so youll start paying interest on the interest. But, im not 100% sure.

I owe 419k on two things 319k left on mortgage and 100k in student loans and I don’t even have a car payment or cc debt. It still mind boggles me how I have so much debt sometimes.

If they bill you late again for the water, you can always go ahead and make the $100 pymt and any difference on the next ck. Good luck!

Also on a financial journey! Thank you for sharing 🎉

Sam's Club is the same for me! 😂

Hi Friend!! We are in a similar journey. We can do it. New subbie! I'll be following and rooting you on 🤗💙

I would check the payoff on the student loan. For the first one between now and 2034 is ~120 months and making 400 dollar payments only totals 48k so not exactly sure how that can pay off 157k current balance.

Hi subbed to your channel

Good luck!

You should, twice a week, pull out the meats you need thawed. Or when you are cleaning up tonights dinner, think about what you are having tomorrow and prep for that. There are solutions to this problem, dont give into the temptation of fast and easy when you can just be prepared.