i’m 18 and this was so cool to hear. about to go to college and be out on my own, this was so helpful to hear how it’s important to be careful with money. i also just reached my $1000 mark of my savings and i’m so pumped. i’m even more motivated now!!!
Just wanted to say I was on your live today and I’m sorry everyone was being so rude. I’m not even going to say to ignore them because I know that’s not realistic and your feelings matter. Your content is really real and raw which is what I enjoy about your content. Keep your head up!
You all prolly dont care at all but does anybody know of a way to get back into an Instagram account? I somehow lost the account password. I love any help you can offer me.
I love this story time. Honestly I can tell you guys are very grateful for what you guys have..You guys definitely don't have everything handed to you. Chris works very hard to provide for his family .For Chris working hard I like how you guys have a normal house and car and you shop at Walmart etc. You guys are doing amazing. Please do more story time and can't wait for the aldi haul
Thank you so much Michelle! I really appreciate it! I love getting a good deal and making money stretch haha. That's why I'm so excited to check Aldi out tomorrow!
This is crazy, this just shows that you can pick yourself up when you have fallen down. You and your family are so strong and where you guys are at today is amazing from where you were!!
I’m 20 right now and I’ve been having such a hard time financially and felt so alone! Thank you so much!! 🥺 I refuse to ask for help and this gave me motivation and hope for the future!!
I commend you so much for putting this out there. Most people would be ashamed but you are so brave to tell your story. I relate to you in so many ways. My husband and I have been together for 7 years. When we first met I worked a retail job, he worked solar, we thought we had life all figured out at a young age, got our own place, and he lost his job. He found another job making about $10 less an hour and I worked overtime as much as I could. He then lost that job. We could barely afford to pay our rent. Most stressful time of my life ever. A few weeks passed and he began working a temporary position through a temp agency as an electrical helper, and 5 years down the road, today, he is an electrical foreman and storm recovery crew lead for the same company. He performed his temporary job well so they hired him full time to work with the company. Life turned around for us. We bought our first home in my childhood neighborhood right across the street from my parents home & where I grew up 2 years ago and I am able to stay home full time now to help my father with everyday tasks while my mother works to provide for him & my younger siblings. (My father has a severe spine injury and is disabled.) Even though we have a savings account now, we never splurge on materialistic items. We take 1 vacation a year and are very mindful of any situation, disaster, or accident that may arise. Sometimes it's tempting to spend money from savings, but we remind ourselves we may need it in the future because you never know what may happen. I thoroughly enjoyed hearing your story. It's so great to see how amazing you guys are doing. I hope so many people can become inspired from your story!
Thank you so much Courtney!! Wow! We have some many things in common! It can be so scary when you go through things like job loss and and barley being able to afford rent. I'm so glad things have turned around for you guys and you're doing great!! Like you said it can be so tempting to spend money from savings but like you we try really hard not to. I'm always looking for ways to save whether it's on groceries, clothes for the kids or even vacation! I really appreciate the support!!!!!
I see my husband and I in your story. We are married really young as well (19/20). We can afford things but live paycheck to paycheck. Our savings consist of our tax returns. My husband is actually in the union to become an electrician and I’m an ophthalmologist technician. It’s amazing our much your experience matches to ours. I’m excited to see where our journey takes us! We strive to be an amazing family like y’all!
This is so refreshing, as we are considering bankruptcy with several debts we have each had over the past decade. Good to hear about someone else going through it!
My jaw dropped when you said packwood! We had a family cabin between packwood and randle off stover road. I spent a lot of my childhood in packwood! So crazy!
@@CramerCrew that’s to funny!! Did they know anyone with last name Haley? My grandparents built the cabin when my dad was little. We lost it in 2005 to the river flooding.
@@meganharris139 What a small world! I'll have to ask my mom or my brother but I don't recognize the name! We sold our property up there 3 1/2 years ago but we still have family with cabins up there!
@@CramerCrew my dad bought property there after we lost the cabin but he sold it last year. I grew up in Everett and no one ever knew where packwood was 😂 I always just said near mt Rainer.
This is such an inspiring story. I’m currently divorced and looking at bankruptcy. 28. Living at my moms. Feeling like an absolute failure. But seeing as how you guys did this as a team makes it seem doable.
@@Yourballix Discharged my bankruptcy, got a much higher paying job, still at my moms but by convenience now. Banking up money to buy a house and keep my life rolling along.
@@Yourballix best money I ever spent. Make sure if you’re doing it you consider a chapter 7. Jon Oliver did a special on the difference between 11 and 7 and it sounds like a damn scam if you do the payment plan. It’s gonna blow up your credit anyway but only took me 6 months to get it back to where I could get credit cards for rebuilding
@@EpicGamer-no3yj I’m uk we just have one straight bankruptcy. The only downside really is I can’t apply for credit for a year here but That’s been my problem they’ve been throwing money at me so fuck it lol
my family is going through this right now and it is hard but we are getting through it and it has made us stronger as a family thank you for making this!
I'm so sorry to hear that you guys are going through this right now but I'm happy that you're coming out of it stronger! Good luck to you all! You've got this!!!
I’ve seen you on TIkTok for a while, but just found your RUclips page this weekend. Love how transparent you are. Thanks for sharing your story. The subject of money is always hard to talk about, let alone put it out for the whole world to hear / see.
This is beautiful I cannot believe I barely watched it I’m so sorry you had to go through that but watching this is actually making it go through my head I’m a young mom only 21 & spending $$ is all I do. I get $ and I’m like oh new shoes or new clothes never really made a savings account and why it’s so important. This brings tears to my eyes but you guys are awesome! Such a strong family. I just wish or don’t understand why do bills still continue after being laid off it just seems that sometimes the government wants us to be in bankruptcy. Congratulations to you guys for making it this far hard work and dedication
This was great! As someone who is about to be in college and will have to be on my own saving and etc. this video is very helpful. Although I am not as old as you your life lessons are a true inspiration to my future self. On the other hand ...WE NEED MORE DAILY VLOGS!!
I am old school too when keeping up with my bills. Thanks for sharing your story. It was hard when my husband and I were starting out but now we have finally starting saving and getting rid of debt. It feels good!
I’ve learned through my life that the struggles we go through build character!!! These are all lessons we can pass on to our children. Love your content ❤️
I’ve never watched a video from start to finish before ! But I did with yours! im so glad you told your story Christy, I feel like I know you better personally! love you and your family ❤️
So random and not much to do with the video but my family stayed in Packwood over Christmas to ski at Whitepass! Small world ❤️ thanks for being so real and open!
Omg no way!!! That's crazy! I've been skiing there SO many times!!! My parents used to own 4 acres right in the middle of Packwood. We also had a cabin out in High Valley. Such a small world!
Thanks for sharing your story! My husband is in the army and getting out next year but we’re scared of losing the financial security that comes with the military. It’s definitely scary but I’m trying to be prepared at possible!
I’m about to start my job since graduating from college and i’m terrified of having to handle bills and save money. You showing how you budget was so helpful and I definitely will implement that as I get started. You guys are so strong for powering through that difficult time for you and your kids, I look up to you! :)
Thank you for sharing! I NEVER assume anyone got things handed to them. You never know someone’s “back” story. But, it sounds like y’all are doing well and that’s great!😀
I’m in college right now and this was honestly very helpful to hear! Im working on building up my savings right now and this motivates me to stay disciplined with my money! Loved hearing your story and congrats to you and Chris for all your hard work!!
I love this story! Growing up we didn’t have much money so we had to rely on similar programs. I just wish people were more understanding of others and their life situations. Kudos to y’all!
I wish people would be more understanding too. Anyone I've ever known that has had to rely on programs has truly needed the help. People just shouldn't be so quick to judge!
I do something similar but I created an excel spreadsheet for the entire year. I list the bills, days, amount due/actual amount paid because I like to pay extra on the mortgage, etc. I also have a column for our biweekly pay & everything is color coded & it helps me so much!!
Oh my gosh....teach me your ways LOL that sounds amazing! We like to pay extra on our mortgage and car payment too! It helps to pay the loans off so much sooner AND saves you so much in interest! I need to try making a spreadsheet!!
I'm a lot older than you. But I have to say I do my bills the exact same way with notebook and pencil. I didn't think anyone out there did it that way. Glad to see you do! But it works great and works for me. I even cross out when it gets paid as well. Someone posted that some people were rude during the live. Unfortunately and sadly some people are plain rude. Usually they are unhappy their selves and want attention, or they are jealous. I would just ignore it. Great video. Thanks for sharing your story.
I'm glad I'm not the only one who still uses the notebook and pencil! It's just so easy and such a great way to keep track of everything! I've been wanting to try a spreadsheet but this has worked so well for me that I never have! Thank you so much! I try really hard to ignore the hate. Most of it comes from unhappy people or children. I've had such a great experience on RUclips though! The community on here is amazing!
Thank you for story time hun! I just got approved for credit loan i keep my spending low as possible lol don't want dig myself in a hole i have good relationship with my bank i been...with years now! 🙏🏻
i’m 23 & just bought my first house... i put 10% down but only have ~7k left in my savings... i was feeling so down on myself about that today. this made me feel better 😭
First of all --- CONGRATULATIONS on your home!!!!! That's so exciting!! Don't feel down about that! You made a great investment and you still have money in savings! That's a win!!! Keep up the good work!!!!
@@CramerCrew LOL, when I was growing up we had family friends that owned a cabin/vacation home out there. We would join them for weekends away every so often!
@@angeladewitt4919 That's awesome!! We had cabin in High Valley! My parents bought the property when I was 6 months old so we would go up there almost every weekend!
You're so welcome! I went back and forth about sharing for quite a while but I figured if it could help one person than it would be worth it! Even if it's just for someone to know they're not alone and others have gone through the same thing!
I know what you went through t had to Bankruptcy also it’s very hard to face it but I did it I wish you the best I love watching your family many blessings to you all ✝️🙏🏽📿☮️
Thank you so much for sharing! No one truly knows how hard the transition is from military life. This was literally my husband and I after he was medically discharged from the military. I would love to know how you do your social media and tips etc! I stay home with our kids and would love to be able to help out.
You're welcome! It's so true! The transition is really tough. Honestly social media was kind of a fluke for me. I started out on TikTok and I had a school lunch video go viral and I kind of took off from there. People started asking me to make a RUclips channel so I started this and a family instagram page! I would like to focus more on growing our RUclips because we've had such a great experience on here with everyone being so nice. I recommend starting a RUclips channel if you're up for it! I love to do family vlogs and grocery hauls :)
@@allanamittlesteadt9269 You're welcome! TikTok is so strange. It just takes one random video to go viral and you get a following over night. I've had a lot harder time growing our RUclips and Instagram!
When I was 18 I got into a relationship with a guy 4 1/2 years older than me and even as a 22 year old he was extremely frugal. Like he had really decent savings. And about 4 months in an emergency happened and we had to move in together and he really saved me money wise not with his money but his ways rubbed off on me and how I’m 21 and I’m similar to him and I have an okay savings for myself! COVID has depleted it a little more than I wanted and I haven’t been able to add lol but I’m still pretty proud
That's amazing Destiney!! Not that an emergency happened to you but that you have built up a savings account! You should be SUPER proud of yourself! My younger brother has always been really good with money as well and I've always been so proud of him. He works hard and makes really smart financial decisions. Keep up the good work!!
Great video, thank you for the advice and for being so open about your family’s experiences. Do you have any tips for first time homebuyers? I’ve only ever rented and the thought of buying a house seems so out of reach.
Thank you so much!! Our home buying experiences are a little different because we use VA loans which don't require any down payment and we don't have to pay PMI. I wish I had some tips for you! I definitely recommend buying though! Maybe find a trusted mortgage lender and see what advice they have? There are so many different types of loans that require different amounts down!
We had USAA for years for insurance but once we moved to Arizona they weren't cheaper :( I've called recently to see if their rates have changed but they were quite a bit more than what we pay for Progressive. I was bummed!
I’ve been waiting for this one!!! I’m so excited to hear and learn about your experience. I’m having a hard time getting out of debt at the moment, not too much but it’s still there!
Our bankruptcy was finalized in May of 2012 and we purchased our second home in August of 2016! I'm not sure if we could have purchased sooner because we didn't look into it until around June of 2016.
could you talk about how you separate things into your savings account vs your checking? like do you take a certain percentage of the paychecks or something different?
Yes! We don't do a percentage. Honestly we usually just take look at what we have left at the end of the month (sometimes I do it weekly or bi weekly) and then we transfer most of it to savings. I don't like leaving us too short in checking though in case we want to do something or something unexpected comes up. I HATE taking money out of savings now so I really try to avoid it at all costs lol.
@@CramerCrew oh wow okay! thank you! I’m going to be 20 next week and i’m anxious about taking care of myself financially. it feels like i’m being thrown into a completely different world
@@lilywilliams8168 It's so scary at first! I really wish they would teach stuff like this in high school because it would be SO beneficial!!!! You've got this though! I know not everyone is a fan but I really like Dave Ramsey! He has some really good financial tips.
I don’t know if you have explained this before, but did something happen to Chris while he was in the Army causing him to get put on disability, if that makes sense?
No, it was his ETS (I believe that stands for ending time in service) and when you get out of the Army they do a routine physical. If you have any type of injury or PTSD lets say they figure out if it can be contributed to your time in the service. If it was they determine what percentage you'll get and then you receive VA disability for the rest of your life. Sorry if that's confusing lol.
The biggest affect it had was on our credit. We had start from scratch to work and build our credit back up. Thankfully we are back to having good credit again!
It’s @just.jo from tik tok! I’m literally going to school for my associates.. My goal is to get a masters in Human Services and a minor in adolescence psych!!! I didn’t know he majored in that!!!
I'm so sorry to hear about your divorce! Hopefully you don't have to. I'm sure it's such a scary time for you right now. Sending lots of love your way!
i’m 18 and this was so cool to hear. about to go to college and be out on my own, this was so helpful to hear how it’s important to be careful with money. i also just reached my $1000 mark of my savings and i’m so pumped. i’m even more motivated now!!!
That's so awesome!!! Keep up the good work! It's so exciting to be out on your own! You've got this!!
Just wanted to say I was on your live today and I’m sorry everyone was being so rude. I’m not even going to say to ignore them because I know that’s not realistic and your feelings matter. Your content is really real and raw which is what I enjoy about your content. Keep your head up!
Thank you so much Madeline! You have no idea how much I appreciate that! You have no idea how much I needed this comment tonight!
You all prolly dont care at all but does anybody know of a way to get back into an Instagram account?
I somehow lost the account password. I love any help you can offer me.
This is why I don’t judge people. You don’t know where people are coming from.I love your authenticity.
Exactly!!! That's why I don't judge people either. Thank you so much Kamyle!
I love this story time. Honestly I can tell you guys are very grateful for what you guys have..You guys definitely don't have everything handed to you. Chris works very hard to provide for his family .For Chris working hard I like how you guys have a normal house and car and you shop at Walmart etc. You guys are doing amazing. Please do more story time and can't wait for the aldi haul
Thank you so much Michelle! I really appreciate it! I love getting a good deal and making money stretch haha. That's why I'm so excited to check Aldi out tomorrow!
This is crazy, this just shows that you can pick yourself up when you have fallen down. You and your family are so strong and where you guys are at today is amazing from where you were!!
Thank you so much Sophia! That's so true! Never give up!
Haven’t watched yet but I already know I want more story times 😭
Let me know what story times you want! I'll add them to my list of video ideas!
I’m 20 right now and I’ve been having such a hard time financially and felt so alone! Thank you so much!! 🥺 I refuse to ask for help and this gave me motivation and hope for the future!!
You are definitely not alone! Everyone falls on hard financial times. You've got this!
I commend you so much for putting this out there. Most people would be ashamed but you are so brave to tell your story.
I relate to you in so many ways. My husband and I have been together for 7 years. When we first met I worked a retail job, he worked solar, we thought we had life all figured out at a young age, got our own place, and he lost his job. He found another job making about $10 less an hour and I worked overtime as much as I could. He then lost that job. We could barely afford to pay our rent. Most stressful time of my life ever. A few weeks passed and he began working a temporary position through a temp agency as an electrical helper, and 5 years down the road, today, he is an electrical foreman and storm recovery crew lead for the same company. He performed his temporary job well so they hired him full time to work with the company. Life turned around for us.
We bought our first home in my childhood neighborhood right across the street from my parents home & where I grew up 2 years ago and I am able to stay home full time now to help my father with everyday tasks while my mother works to provide for him & my younger siblings. (My father has a severe spine injury and is disabled.)
Even though we have a savings account now, we never splurge on materialistic items. We take 1 vacation a year and are very mindful of any situation, disaster, or accident that may arise. Sometimes it's tempting to spend money from savings, but we remind ourselves we may need it in the future because you never know what may happen.
I thoroughly enjoyed hearing your story. It's so great to see how amazing you guys are doing. I hope so many people can become inspired from your story!
Thank you so much Courtney!! Wow! We have some many things in common! It can be so scary when you go through things like job loss and and barley being able to afford rent. I'm so glad things have turned around for you guys and you're doing great!! Like you said it can be so tempting to spend money from savings but like you we try really hard not to. I'm always looking for ways to save whether it's on groceries, clothes for the kids or even vacation! I really appreciate the support!!!!!
I see my husband and I in your story. We are married really young as well (19/20). We can afford things but live paycheck to paycheck. Our savings consist of our tax returns. My husband is actually in the union to become an electrician and I’m an ophthalmologist technician. It’s amazing our much your experience matches to ours. I’m excited to see where our journey takes us! We strive to be an amazing family like y’all!
Awe thank you so much Tiffany!! That's so awesome! The electrical field has been such a blessing for our family!! Thank you so much for being here!
Honestly you are so humble 🥺 how can people hate on you! You are such an amazing mom
Thank you so much 🥺
This is so refreshing, as we are considering bankruptcy with several debts we have each had over the past decade. Good to hear about someone else going through it!
Thanks for sharing your story! As a young adult/kid I have learned a few things from your story that I will keep in mind as I grow older. 😊
You're so welcome!
My jaw dropped when you said packwood! We had a family cabin between packwood and randle off stover road. I spent a lot of my childhood in packwood! So crazy!
Stop!!! No way?! Chris worked at the lumber mill Hampton that’s in Randle! My family has had property/a cabin in Packwood since I was 6 months old!
@@CramerCrew that’s to funny!! Did they know anyone with last name Haley? My grandparents built the cabin when my dad was little. We lost it in 2005 to the river flooding.
@@meganharris139 What a small world! I'll have to ask my mom or my brother but I don't recognize the name! We sold our property up there 3 1/2 years ago but we still have family with cabins up there!
@@CramerCrew my dad bought property there after we lost the cabin but he sold it last year. I grew up in Everett and no one ever knew where packwood was 😂 I always just said near mt Rainer.
This is such an inspiring story. I’m currently divorced and looking at bankruptcy.
28. Living at my moms. Feeling like an absolute failure. But seeing as how you guys did this as a team makes it seem doable.
How did u get on
@@Yourballix Discharged my bankruptcy, got a much higher paying job, still at my moms but by convenience now. Banking up money to buy a house and keep my life rolling along.
@@EpicGamer-no3yj glad to hear it
Thinking about it myself at the minute
@@Yourballix best money I ever spent. Make sure if you’re doing it you consider a chapter 7. Jon Oliver did a special on the difference between 11 and 7 and it sounds like a damn scam if you do the payment plan.
It’s gonna blow up your credit anyway but only took me 6 months to get it back to where I could get credit cards for rebuilding
@@EpicGamer-no3yj I’m uk we just have one straight bankruptcy. The only downside really is I can’t apply for credit for a year here but That’s been my problem they’ve been throwing money at me so fuck it lol
my family is going through this right now and it is hard but we are getting through it and it has made us stronger as a family thank you for making this!
I'm so sorry to hear that you guys are going through this right now but I'm happy that you're coming out of it stronger! Good luck to you all! You've got this!!!
I’ve seen you on TIkTok for a while, but just found your RUclips page this weekend. Love how transparent you are. Thanks for sharing your story. The subject of money is always hard to talk about, let alone put it out for the whole world to hear / see.
This is beautiful I cannot believe I barely watched it I’m so sorry you had to go through that but watching this is actually making it go through my head I’m a young mom only 21 & spending $$ is all I do. I get $ and I’m like oh new shoes or new clothes never really made a savings account and why it’s so important. This brings tears to my eyes but you guys are awesome! Such a strong family. I just wish or don’t understand why do bills still continue after being laid off it just seems that sometimes the government wants us to be in bankruptcy. Congratulations to you guys for making it this far hard work and dedication
This was great! As someone who is about to be in college and will have to be on my own saving and etc. this video is very helpful. Although I am not as old as you your life lessons are a true inspiration to my future self. On the other hand ...WE NEED MORE DAILY VLOGS!!
Thanks so much!!! I really appreciate it! I will definitely be doing more vlogs!
I am old school too when keeping up with my bills. Thanks for sharing your story. It was hard when my husband and I were starting out but now we have finally starting saving and getting rid of debt. It feels good!
You're welcome! Yes...it feels SO good!!!
You look just like Kara from the RUclips channel Kara and Nate!! :)
I haven't heard of them (I'm still fairly new to RUclips). I'll have to look them up!
I’ve learned through my life that the struggles we go through build character!!! These are all lessons we can pass on to our children. Love your content ❤️
So very true Maureen! Thank you so much!
I’ve never watched a video from start to finish before ! But I did with yours! im so glad you told your story Christy, I feel like I know you better personally! love you and your family ❤️
Wow, thanks so much Amanda!!! It was a lot longer than I expected it to be haha. I really appreciate the support!!! We love you too!
I came from Tik Tok. Just filed myself a couple days ago & ive been a little upset about it. This video made me feel better, thank u❤️
wow you weren’t kidding when you said you started from the bottom. you and your husband sound like a great team🥺
Thank you so much! We really are! It hasn't been easy but it was so worth it! Everyone on TikTok just assumes that we've never struggled.
I love how you are so open and real you are on the. videos that my fav part about your Tic Tok and videos and found the tips so helpful
Thanks so much Miranda!!!
So random and not much to do with the video but my family stayed in Packwood over Christmas to ski at Whitepass! Small world ❤️ thanks for being so real and open!
Omg no way!!! That's crazy! I've been skiing there SO many times!!! My parents used to own 4 acres right in the middle of Packwood. We also had a cabin out in High Valley. Such a small world!
Thanks for sharing your story! My husband is in the army and getting out next year but we’re scared of losing the financial security that comes with the military. It’s definitely scary but I’m trying to be prepared at possible!
It's a scary time for sure but you guys got this! Good luck to you all with your future plans! And thank you to your husband for his service!!
Thank you for sharing and being so real. This was very interesting and I’m so proud of how far you guys have come! You guys are my comfort youtubers 😌
Thank you so much!
I’m about to start my job since graduating from college and i’m terrified of having to handle bills and save money. You showing how you budget was so helpful and I definitely will implement that as I get started. You guys are so strong for powering through that difficult time for you and your kids, I look up to you! :)
Thank you so much Jordan! I really appreciate it!!! Don't be terrified! I know it can be super overwhelming but you've got this!
Thank you for sharing! I NEVER assume anyone got things handed to them. You never know someone’s “back” story. But, it sounds like y’all are doing well and that’s great!😀
Exactly!! I never do either! Most of the assumptions on TikTok have come from kids. Not to be rude but they just don't understand financials.
I’m in college right now and this was honestly very helpful to hear! Im working on building up my savings right now and this motivates me to stay disciplined with my money! Loved hearing your story and congrats to you and Chris for all your hard work!!
I'm so glad it was helpful Heather!! Thanks so much!!
Your family is so sweet. Thank you for being so strong and open 💖
Thank you Chey! You're so welcome! Thanks for being so supportive! We appreciate you!
I love story time videos! Glad you guys are doing better now 🤗💜
Thank you so much Linsie!!
God bless! Thank you for sharing your story!
You’re welcome! Thank you for watching ❤️
This was amazing! We also filed years ago. You presented this so wonderfully. ❤️
Thank you so much Andrea!!
I love this story! Growing up we didn’t have much money so we had to rely on similar programs. I just wish people were more understanding of others and their life situations. Kudos to y’all!
I wish people would be more understanding too. Anyone I've ever known that has had to rely on programs has truly needed the help. People just shouldn't be so quick to judge!
I do something similar but I created an excel spreadsheet for the entire year. I list the bills, days, amount due/actual amount paid because I like to pay extra on the mortgage, etc. I also have a column for our biweekly pay & everything is color coded & it helps me so much!!
Oh my gosh....teach me your ways LOL that sounds amazing! We like to pay extra on our mortgage and car payment too! It helps to pay the loans off so much sooner AND saves you so much in interest! I need to try making a spreadsheet!!
I'm a lot older than you. But I have to say I do my bills the exact same way with notebook and pencil. I didn't think anyone out there did it that way. Glad to see you do! But it works great and works for me. I even cross out when it gets paid as well. Someone posted that some people were rude during the live. Unfortunately and sadly some people are plain rude. Usually they are unhappy their selves and want attention, or they are jealous. I would just ignore it. Great video. Thanks for sharing your story.
I'm glad I'm not the only one who still uses the notebook and pencil! It's just so easy and such a great way to keep track of everything! I've been wanting to try a spreadsheet but this has worked so well for me that I never have! Thank you so much! I try really hard to ignore the hate. Most of it comes from unhappy people or children. I've had such a great experience on RUclips though! The community on here is amazing!
Thank you for sharing your story Christy! Hard work pays off.❤️💪🏼
You're so welcome!
Thank you for story time hun! I just got approved for credit loan i keep my spending low as possible lol don't want dig myself in a hole i have good relationship with my bank i been...with years now! 🙏🏻
Thank you so much for sharing your story! It is truly inspiring. You guys deserve all of the good things that come to you and so much more! Lyf!❤️
Thank you Jessi!! We love you!!!!
i’m 23 & just bought my first house... i put 10% down but only have ~7k left in my savings... i was feeling so down on myself about that today. this made me feel better 😭
First of all --- CONGRATULATIONS on your home!!!!! That's so exciting!! Don't feel down about that! You made a great investment and you still have money in savings! That's a win!!! Keep up the good work!!!!
Thank you so I am so lost 1 of my closest died 🙏🏽✝️🌹💕🌺♥️❤️
Oh Cathy! I am so sorry for your loss! Sending lots of love and prayers your way!!!!!
Thank you for sharing your story! I am a fan since I’ve been following your family on tik tok. ❤️
Aww thanks so much for all the support Alycia!!!!
Thank you for sharing! Love your content! Keep it up! 😊
Thank you so much Gretchen!
Your story is so amazing ❤️ we love you guys always
Thank you so much Katelyn!
your story is very inspiring! i'm so happy for you and your family! lots of love❤️
Thanks so much Abby!
Believe it or not I know where Packwood is! Thanks for sharing Christy! 💖💖
No way!!! That's so awesome! No one ever knows where it is LOL
@@CramerCrew LOL, when I was growing up we had family friends that owned a cabin/vacation home out there. We would join them for weekends away every so often!
@@angeladewitt4919 That's awesome!! We had cabin in High Valley! My parents bought the property when I was 6 months old so we would go up there almost every weekend!
I haven’t experienced this yet and I hope I never do I’m glad you guys got back up on your feet again😊
Thank you!
I've been through Packwood, in the way to Yakima.
Such a small world! My mom was born in Yakima and we still have a lot of family there!
I love your videos you are always so real and always talk about the good and bad stuff love u
Thanks so much Ally!!!
Y’all are an awesome family!
Thank you so much!
I needed this. Thank you for sharing 💗
You're so welcome! I went back and forth about sharing for quite a while but I figured if it could help one person than it would be worth it! Even if it's just for someone to know they're not alone and others have gone through the same thing!
If it’s not in your list already can you do a birth story for each of the kids! would love to hear about the experience for each of them!!
Thanks for the video idea!
Thank you for sharing your story!
You're so welcome! Thanks for watching!
this is great I love this!
Thank you so much!!
I know what you went through t had to Bankruptcy also it’s very hard to face it but I did it I wish you the best I love watching your family many blessings to you all ✝️🙏🏽📿☮️
I'm so sorry you had to go through that as well Cathy! It's so hard! We really appreciate you being here! Thanks so much!
Tell Chris thank you for his service
Thanks Ally! I will :)
such an inspiring story!!!
Thanks Bella!
Thank you so much for sharing! No one truly knows how hard the transition is from military life. This was literally my husband and I after he was medically discharged from the military. I would love to know how you do your social media and tips etc! I stay home with our kids and would love to be able to help out.
You're welcome! It's so true! The transition is really tough. Honestly social media was kind of a fluke for me. I started out on TikTok and I had a school lunch video go viral and I kind of took off from there. People started asking me to make a RUclips channel so I started this and a family instagram page! I would like to focus more on growing our RUclips because we've had such a great experience on here with everyone being so nice. I recommend starting a RUclips channel if you're up for it! I love to do family vlogs and grocery hauls :)
@@CramerCrew wow I thought maybe you had a following before! Thank you for the info💛
@@allanamittlesteadt9269 You're welcome! TikTok is so strange. It just takes one random video to go viral and you get a following over night. I've had a lot harder time growing our RUclips and Instagram!
This has nothing to do with anything you’re talking about... but I love your clock. ❤️
When I was 18 I got into a relationship with a guy 4 1/2 years older than me and even as a 22 year old he was extremely frugal. Like he had really decent savings. And about 4 months in an emergency happened and we had to move in together and he really saved me money wise not with his money but his ways rubbed off on me and how I’m 21 and I’m similar to him and I have an okay savings for myself! COVID has depleted it a little more than I wanted and I haven’t been able to add lol but I’m still pretty proud
That's amazing Destiney!! Not that an emergency happened to you but that you have built up a savings account! You should be SUPER proud of yourself! My younger brother has always been really good with money as well and I've always been so proud of him. He works hard and makes really smart financial decisions. Keep up the good work!!
Great video, thank you for the advice and for being so open about your family’s experiences. Do you have any tips for first time homebuyers? I’ve only ever rented and the thought of buying a house seems so out of reach.
Thank you so much!! Our home buying experiences are a little different because we use VA loans which don't require any down payment and we don't have to pay PMI. I wish I had some tips for you! I definitely recommend buying though! Maybe find a trusted mortgage lender and see what advice they have? There are so many different types of loans that require different amounts down!
@@CramerCrew m mmmm
Sounds like this was a very stressful time for you but a great lesson!
Yes!
I love your family so much!!!!
Thank you so much for all the love and support Sophie!!
What chapter can I file if I want to keep my car and mortgage ? I just want the credit card debt to go away
Y'all are the best family
Thank you! We appreciate the love so much!!
You should take advantage of USAA! They have wonderful prices for all insurance, and great credit cards, etc
We had USAA for years for insurance but once we moved to Arizona they weren't cheaper :( I've called recently to see if their rates have changed but they were quite a bit more than what we pay for Progressive. I was bummed!
@@CramerCrew of course you looked into it! What was I thinking!! Interesting how it varies state to state. Love your channel!
when you go to court what does that process look like? do you have to state your case or anything?
Is there a bankruptcy attorney you can recommend in Texas. Thanks
No sorry, I'm not from Texas.
I’ve been waiting for this one!!! I’m so excited to hear and learn about your experience. I’m having a hard time getting out of debt at the moment, not too much but it’s still there!
Thank you so much for being here Jenna!!! I really appreciate it! You've got this!!!!
Wow! im glad your okay know!
Thank you Sofia!
Your story is so close to ours.. how long did it take you to buy a house after your bankruptcy?
Our bankruptcy was finalized in May of 2012 and we purchased our second home in August of 2016! I'm not sure if we could have purchased sooner because we didn't look into it until around June of 2016.
Good to know ours was finalized the end of last summer. We are hoping to buy in a couple years just not sure if it will be too soon.
@@uhhuhmm Crossing my fingers that you can buy in a couple years! You've got this!
This helped so much ! ♥️
I'm so glad!!!
Thank you for sharing. I feel like I just got good with my money once I turned 30 lol it definitely comes with age.
That's so true! Now that we're in our 30's I finally feel like we have it together haha. Well some things lol
Here from tiktok!
Thanks for being here!
your very good at story telling :)
Thank you! I feel like I'm all over the place and ramble so I really have to try and focus LOL
I personally know what it's like. I don't feel alone.
You're definitely not alone!
Did you ever try the cash envelope system? It seems really confusing to me
I have not but it seems interesting! I honestly don't know a ton about it. I saw a video on TikTok about it actually a few days ago.
Came from tik tok! ❤️❤️
Thanks so much!!!!
could you talk about how you separate things into your savings account vs your checking? like do you take a certain percentage of the paychecks or something different?
Yes! We don't do a percentage. Honestly we usually just take look at what we have left at the end of the month (sometimes I do it weekly or bi weekly) and then we transfer most of it to savings. I don't like leaving us too short in checking though in case we want to do something or something unexpected comes up. I HATE taking money out of savings now so I really try to avoid it at all costs lol.
@@CramerCrew oh wow okay! thank you! I’m going to be 20 next week and i’m anxious about taking care of myself financially. it feels like i’m being thrown into a completely different world
@@lilywilliams8168 It's so scary at first! I really wish they would teach stuff like this in high school because it would be SO beneficial!!!! You've got this though! I know not everyone is a fan but I really like Dave Ramsey! He has some really good financial tips.
@@CramerCrew thank you so much!
@@lilywilliams8168 You're welcome!!
I don’t know if you have explained this before, but did something happen to Chris while he was in the Army causing him to get put on disability, if that makes sense?
No, it was his ETS (I believe that stands for ending time in service) and when you get out of the Army they do a routine physical. If you have any type of injury or PTSD lets say they figure out if it can be contributed to your time in the service. If it was they determine what percentage you'll get and then you receive VA disability for the rest of your life. Sorry if that's confusing lol.
@@CramerCrew Thanks for responding! I’m not to familiar with the military but that makes sense!
Could you make a video of the behind the scenes of your tiktok vlogs?
Sure!
how does/did bankruptcy affect your future finances?
The biggest affect it had was on our credit. We had start from scratch to work and build our credit back up. Thankfully we are back to having good credit again!
What happened to carson
She has a video about him on youtube I believe
We have a story time here on our channel but he was stillborn.
It’s @just.jo from tik tok! I’m literally going to school for my associates.. My goal is to get a masters in Human Services and a minor in adolescence psych!!! I didn’t know he majored in that!!!
That's so awesome!
When will you do your aldi haul
I'm hoping to go Wednesday when the new ad starts.
Im 25 and scared I will have to file... since I'm getting a divorce
I'm so sorry to hear about your divorce! Hopefully you don't have to. I'm sure it's such a scary time for you right now. Sending lots of love your way!
@@CramerCrew ty so much! I love your videos!
Bankruptcy comes from bank and corruption - the real reason.
Were do I know u from?😭😭
Not sure lol
I thought tictok was 10/10 but RUclips is 1,000/10
Wow thanks so much Tyler!!!!!