What a great story. I love your honesty. I am paying down my mortgage. I got it down from $225,000 to $209,600 in one year. I will keep pushing forward. Your are so inspiring.
I had my 2nd son at home in 1989, partially because we had no insurance. We paid $150 for the midwife's birthing kit and traded her $150 worth of haircuts from my husband the barber for a grand total of $300! Best money I ever spent! High cost of basic medical care is terrible burden for most US families 😔 Government should be Embarrassed 😳
wow. I had both my preemies (3 years apart) at Vanderbilt in Nashville. Each of their bills were close to 1/2 a million dollars each. (Not including the 50 mile ambulance ride for one ... or the emergency life flight on a blackhawk helicopter for the other!) Good job we were covered on military insurance because hubby was active duty. We only had to pay for meals I think. $12 a day???? I don't know how civilians do it, especially when there are complications.
@@villamathilda6984 I’ve recently gone back to work after being home with my son for 20 months. With pay from my job and government. Now my son is in preschool, for which I pay around $100 a month. That includes lunch and snacks for him. I have lived in the US as a student but I could not see myself living there now as a single mother.
Lydia, even less than half way through this, I have to pause and give you a thumbs up and kudos. It sounds as though the years before we get to see the beautiful you offering advice, your life was a financial sh** storm, and I am SO glad you and your husband pulled together as a team and are over the hump. I know day-to-day life is still a series of challenges (isn't that true for us all?) but I have to say, you present reality with such grace! I hope you are imminently successful and are blessed with more abundance than you ever imagined possible. - SE
We drive super economical cars. We work in town. We shop locally. We take our lunch and coffee to work. We sold things we are no longer needing. We do our own yard, home and car maintenance. I stopped going to the nail salon. I do my own mani pedis. I do them for my mother and sisters also. My husband cuts and colors my hair.
Thanks for all of your info. I’m really trying to work on paying down debt. This is helpful. We haven’t been eating out much and wow that is savings alone!
Dear Lydia missed you and your lovely videos. The way you show to us "guys it is possible" even though you made bad decisions in the past is giving us hope. Really hope and you are right if 2020 did not show us that we need to prepare for rainy days, what will. Thanks so much for your kind and honest way to help us out.
You are such an inspiration. I too was in a very bad financial situation, and managed to survive. I was a working single mother of three, with no child support, then my youngest at 16 presented me with a grandson. She had also been victim to the war on drugs, she passed away. My grandson is disabled and required a lifetime of care. My small income barely made it through the month, there was a time I had to calculate how much laundry detergent to get me by, not to mention gas to get to work. Whatever I read about money management, I was already doing. I cashed in my retirement accounts, negotiated with credit cards, etc. But eventually I was able to get out of debt, and buy a house. I raised my grandson in a house. That was my goal for all my children. It’s just that the older ones grew up too fast! When he grew up and moved on to living with another relative, I sold my house, moved into a senior subsidized apartment. It took me a lifetime of challenges, but I am finally debt free. I have an investment savings account, and keep two credit cards for emergencies. I use one only for household spending (cat food and litter, it gets delivered right to my door), I pay it off each month.... no interest. The other is used only for gas, occasional eating out, etc. It also gets paid off every month. They each accumulate points, so that is a plus. I mentioned emergencies, I had to use them twice. When my daughter passed away, I had to search in my file box for the card and activate it, and go to the bank for cash. Do you know they won’t sell you a cemetery plot on a credit card?! I had insurance which covered the expenses, just not fast enough. Years later, my ex-husband, the one who never paid child support or had any contact with the kids until a few years ago.... died! Guess who had to pull out that otherwise unused credit card for the cremation expenses..... boy do they itemize everything! I had not seen or had contact with this man in 45 years! Fortunately one of his relatives reimbursed me. I live only on my social security, but I am finally debt free, and have been for over 10 years. I am very cautious of my spending. Your video brought back memories, not bad ones, survival ones. I am happier than ever. Thank you for allowing me to share.
Thanks again. I told you already I cleared £32000 of my own debt of credit cards. Whilst I was responsible for the payments I also thought I needed to justify why it was so high to my family and friends. I helped out family members as I was the only one with a salary. Watching your channel helped me focus properly. In the UK we get deals sometimes where a card gives interest free for a period. I moved all my debts onto 3 cards offering interest free for 36 months Then I worked out much I would need to pay before the free period ended. As each one ended I put that payment onto the next. A little like your Dave Ramsey. I did it!,, salary end of October sees final payments, the interest free ends in March 2021. I really can’t thank you enough. You are very special. 🥰🥰🥰
Thank you for being so transparent and REAL. It's true, there's such shame in financial mistakes, but why?!? We've all done stupid things, and once you learn better, you DO better. Congrats on all your progress and success! And to someone just starting their financial journey who might be feeling overwhelmed, don't worry, you GOT this, you can do this too!
I can tell I'm hooked on Lydia, when I'm waiting for her for a new upload. You bring sunshine to my day. Hope you have a wonderful day. Hugs to you and your family
We only have our mortgage as I luckily cleared my student loans. I have just over 5 years on my mortgage but quarterly look through bills to see if can reduce. Gas, electric, mobile phones, TV package, insurances. It's about cutting costs and this has allowed us to overpay and even manage some home improvements 🤗
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I love hearing your story of becoming debt free. It is so inspiring. Your vlog from six years ago was my introduction to your channel. I have been a big fan ever since. Thanks for sharing.
Thank you for the video. I recently started a part time to help pay off debt, that’s in addition to my full time job. You are correct nobody is going to come and pay off anything. You have to be self reliant. Congratulations on your hard work.
Just this month I paid off credit card debt I've had for five years. I'm single so my situation is very different from yours, but I've been watching your videos for the last two years and I can't tell you how much you helped me get out of my debt. I almost cried when I clicked submit for my final payment, and I just wanted to say thank for helping me be honest with myself about my spending, and helping me change my mindset and ultimately get out of my cc debt. thank you thank you thank you!
Boy you are right! I have debt too but I'm saving first before I pay those student loans. Here's the way I see it - better to have that emergency money while we're paying those bills and IF we don't need that money or go over our savings goal, big lump sum payment on the debt.
Thank you, thank you and thank you! May you and your family continue to be blessed. Your channel helps remind & teaches us that if you and your family did it we can too! Thanks for the motivation, cheerleader!!!!
One of the most important lessons I’ve learned is that ignorance isn’t bliss. Self awareness leads to a feeling of security. This goes for money/budget. It also goes for a lot of other areas of my life. My health/weight, friends/family, etc. As much as my default can be to ignore the problem, the problem just doesn’t go away. But when I take the time to come up with a plan and work that plan, in the end I feel better having control over that part of my life.
Hey Lady ! Thanks so much for sharing this, this morning! I love your content and love your zeal for sticking to long term goals and being one of the weird ones. I have always been the weirdy, and appreciate when I see others like me, I'm not alone. Thanks for the encouragement! You are like my sister from another mother! Blessings chick :)
Lots of smart advise. And I can see you as a news reporter! You have a very crisp, clear voice. I'm sorry to hear that you are still in pain from your accident.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I pay all the bills and my mortgage and man it takes so much that I have to work overtime to stay above sometimes. I don’t want stuff I just want to be able to help friends and family. Watching your videos give me confidence. I feel like your a good friend who wants to see me succeed❤️
@@TheRealLydiaSenn as crazy as it sounds, I love to work so I take any extra hours I can. I love how honest, kind and relatable you are. Keep these vids coming ❤️
I had a stroke at 49. My part was 20%. Just ICU was $86,000. The hospital would not budge at all on my 20%. Period. They ended up taking me to court and won, and I appealed that and got it dismissed. But still, my part ruined my finances. Thank God I didn't lose my house because my house payment is less than a one bedroom apt in my area. I so understand a lot of this, but I'm fuzzy about how you made the change, because what you've said about extra income around the 10:00 is unclear. I wish you had just a written list somewhere showing us how this works. sigh.
GO Team Tiny Shovel! 👍 Getting out of debt has been the best decision I've made in my life. This year with all the chaos in 2020, knowing that there was no Consumer Debt with such a relief. Thanks for sharing your story with us.
I enjoyed watching this. There are so many videos on here with credit repair steps. Why I rank this as number 1, because if you don't start with these exact steps aka money management, people will end up heavily back in debt.
I appreciated when you said that it is okay to save up instead of paying off the debt sometimes. $1000 is definitely not an adequate emergency fund in America. I really want to attack the debt, but I definitely want to be in a stable place also in case something should happen!
Love your videos! Recently retired and did the same methods to make sure we were debt free first. Get SS and Get a small Pension. Wish I had known all of this earlier in life. Thank you for sharing!!💕
Dave Ramsey's $1k baby emergency fund was set up 20 to 25 years ago when a grand went further. I agree with your 2 to 3 month baby emergency fund. At least when something like covid hits you can size up situation and be able to do something radical (like move quick into parent's basement) before all hell breaks loose.
How INSPIRING, wonderful life lesson... I´m happy to know you have been able to change your life! I´ll put myself on this steps, in order to pay off my 26K debts! From Spain, have a wonderful life and thanks for sharing this!
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Lydia, I've been binging your videos. I'm a new sub and loving it! I'm also a new SAHM (almost debt free, 12k left on a car). We're a blended family of 9. 6 kids are still in the home. My husband & I got rid of 67k in 2 years. It's been a crazy journey but I'm so thankful to have learned frugality!!! My husband and I both lost our jobs in March 3 days apart. If we had not prepared and fanatically as we had...we would have been up the creek. Instead, it was a blessing. We decided that I would stay home. That's where my heart is and he found a good job. Now, we're fixing to hack away at this last 12k. Blessings 😊
Regarding insurance payment after an accident, there is usually a cap on medical per accident which typically is $100,000. My daughters boyfriend recently was seriously injured in a motorcycle accident which was not his fault. He had ambulance to ER, #1 ER, life flight to larger hospital, #2 ER, many days in ICU, more days in regular hospital room and physical therapy. He will never be 100% again but at least he's alive and has no brain injury or paralysis. The $100,000 was a drop in the bucket and the guy that hit him has been liquidating his assets so no chance of anything being left by the time a lawsuit could be heard (no court during the pandemic). The last I heard he'd only received billings from #2 hospital and that was in the $200,000+ range. Life flight generally is on the plus side of $16,000. I keep reminding him to be thankful he's alive and that bankruptcy is an option that he might have to consider. This is a basic fact of life in the USA. A huge percentage of bankruptcies are the direct result of medical expenses whether from illnesses or accidents.
Thank you so much for mentioning your hospital bills and medical debt. So many people do not realize how crippling that can be. As a parent of two special needs children I can attest to that!
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
No wonder you are so good at speaking! You were a newscaster! Awesome. Thanks for the encouragement and ideas. My husband and I are working hard toward our retirement. We may even get to retire early.
Well done Lydia hard work certainly does pay off ! Super proud off you . We’ve managed to pay out mortgage off early this year . Still have a lot of goals to work through still x
Your story is so inspiring! Thank you for continuing to share it and give others encouragement! We are trudging along on BS2 and it’s such a motivator to hear others success stories with getting out of debt. It definitely helps to keep fuel in our fire working through this slow process. Thanks for the encouragement!! ❤️❤️❤️
This is so inspirational, thank you for being so candid and real about your path to success. The context in my country is different from the US, but we are working everyday to make the most of it (team tiny shovel here !) Have you all a great day!
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Wow. I hate that your birth was 11K. I can't imagine that. When I had my daughter I got a letter from the hospital saying I needed 2K when i checked in in labor. And then after the birth I got a 1K bill from the anesthesiologist for my epidural.
I appreciate the fact that you say it like it was. But believe me many of us have made those mistakes. At least you are telling us these things to avoid further mistakes or come up with solutions during these trying times.
This was very encouraging, thank you! Why in the world did the driver who hit you not have to pay for fixing your car, medical bills and pain and suffering? Unbelievable. Smh.
My car was totaled so the insurance paid for that. But we owed so much on it. (This is why you do not borrow money to buy a car.) And eventually we were able to settle but it took two years and we were out of debt at that point.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I’ve just started the debt snowball. So far I’ve paid off about 7 debts. I’m now trying to work on making a budget. Do you have any advice on making budgets for beginners?
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
We paid off $45 with one income. My husband was like why are you worried about it now? Bc he was in College at the time. I was like I want it gone. We have $25k left. Some of it was car tho.
Great Video! Except for rent, we are debt free! He will retire in a few years, we are putting money away to pay cash for a home if we ever want too. I like you struggled for many years, I finally got everything paid off and it feels good.
Was the person who hit you uninsured? I would think at least their insurance would cover the medical expenses at minimum or even some for pain and suffering. I also got into an accident when I was pregnant but it was my fault, that had bad financial repercussions (totalled car and no full coverage, so no money to replace car) but thankfully noone was hurt.
In order to get someone to pay for medical expenses in an accident like this you have to go through subrogation, which means your insurance company sues their insurance company. It took two FULL YEARS to get any claims paid.
Yes, I hear ya. I also had another accident where I did get hurt (the other driver's fault), I remember it took a long time to get my medical bills paid, I kept getting annoying calls.
If you have credit cards in a collections agency that won’t leave you alone, you can negotiate with them! Google this! Do it yourself or if you have a close person that is a good negotiator ask for their help!
Remember when on the Two and a half Men show Allen blow up his last alimony check? I wanted to do that with my husbands Sallie Mae student loans!!!! Hahhaha! Also felt great when I paid off our new van early and got that title in the mail🤗 Then I wanted to get another check blown up when he completed paying child support through the state. In between we have no credit cards of any kind. We are almost finished with his car not in a few months. I would like to do some projects around the house and put in extra payments to our mortgage. Our goal is to make extra payments to pay less to interest. Overall paying the mortgage off early. It is like a snowball effect.
I love your story, I remember when you posted this years ago. I was a silent watcher then. How much does a domain cost now. I'm home with mama and need to do something when she sleeps.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I have no debt except my mortgage and was planning to pay it down fast but now we have covid. Im grateful i still have a job but its uncertain. My income covers majority of the household expenses and my husband is recovering from a stroke in jan 2020. I have 6 mths expenses saved up. Should i build up my emergency funds to 12 mths and pausing on paying down mortgage? Or pay down mortgage aggressive and be done in 2 years? Dave ramsey says when there is a major life event, hit pause then continue later. Its very logical but why do i have this constant nagging feeling to clear my mortgage instead!? I need advise.
this has definitly helped me, We currently bring in $60k together. and we have $30,000 in debt not including our mortgage, (198k) and car title ($475). Its very hard, were paying $1000 a month in just credit cards, its very hard, very lol, and emotionally draining since we have two small kids who are wanting to go out, dieny, waterparks, and eat ALOT lol. trying to juggle everything. i hope we can stay on pace. definitly trying to not go out as much or buy stuff i want :/
In the uk its unbelievable that having a baby cost €11000. It doesnt matter your income if your working or not we all get the same care and any tests, visits ,surgery or blood test or having a baby costs nothing.
![Noob To Max With DRAGON REWORK In Blox Fruits [FULL MOVIE]](http://i.ytimg.com/vi/LnBMOinoOvA/mqdefault.jpg)
I love how you are not judgmental! Personal finance is PERSONAL! We are paying our debts off in the order of which one is driving us the most crazy.
What a great story. I love your honesty. I am paying down my mortgage. I got it down from $225,000 to $209,600 in one year. I will keep pushing forward. Your are so inspiring.
I had my 2nd son at home in 1989, partially because we had no insurance. We paid $150 for the midwife's birthing kit and traded her $150 worth of haircuts from my husband the barber for a grand total of $300! Best money I ever spent! High cost of basic medical care is terrible burden for most US families 😔 Government should be Embarrassed 😳
wow. I had both my preemies (3 years apart) at Vanderbilt in Nashville. Each of their bills were close to 1/2 a million dollars each. (Not including the 50 mile ambulance ride for one ... or the emergency life flight on a blackhawk helicopter for the other!) Good job we were covered on military insurance because hubby was active duty. We only had to pay for meals I think. $12 a day???? I don't know how civilians do it, especially when there are complications.
As a non-American, my heart aches when I hear 'medical debt'! 💔
Same here.
The cost is criminal...
Same!
Same here! And knowing that the maternity leave is close to zero is heartbreaking!
@@villamathilda6984 I’ve recently gone back to work after being home with my son for 20 months. With pay from my job and government. Now my son is in preschool, for which I pay around $100 a month. That includes lunch and snacks for him. I have lived in the US as a student but I could not see myself living there now as a single mother.
We just paid off one of our vans and 14,000.00 in petty debts. We still have a little ways to go but it does feel good to make progress. 🙌🏼
What a great video to start my day. Your kindness and encouragement mean so much to to so many of us. Thank you ! ❤️
Thank you so much.
Lydia, even less than half way through this, I have to pause and give you a thumbs up and kudos. It sounds as though the years before we get to see the beautiful you offering advice, your life was a financial sh** storm, and I am SO glad you and your husband pulled together as a team and are over the hump. I know day-to-day life is still a series of challenges (isn't that true for us all?) but I have to say, you present reality with such grace! I hope you are imminently successful and are blessed with more abundance than you ever imagined possible. - SE
Wow. Thank you so much.
We drive super economical cars. We work in town. We shop locally. We take our lunch and coffee to work. We sold things we are no longer needing. We do our own yard, home and car maintenance. I stopped going to the nail salon. I do my own mani pedis. I do them for my mother and sisters also. My husband cuts and colors my hair.
I agree 1000.00 emergency fund doesn't go far in 2020... better to double that
Thanks for all of your info. I’m really trying to work on paying down debt. This is helpful. We haven’t been eating out much and wow that is savings alone!
Dear Lydia missed you and your lovely videos. The way you show to us "guys it is possible" even though you made bad decisions in the past is giving us hope. Really hope and you are right if 2020 did not show us that we need to prepare for rainy days, what will. Thanks so much for your kind and honest way to help us out.
Thank you so much!
Agree with this 100 %
You are such an inspiration. I too was in a very bad financial situation, and managed to survive. I was a working single mother of three, with no child support, then my youngest at 16 presented me with a grandson. She had also been victim to the war on drugs, she passed away. My grandson is disabled and required a lifetime of care. My small income barely made it through the month, there was a time I had to calculate how much laundry detergent to get me by, not to mention gas to get to work. Whatever I read about money management, I was already doing. I cashed in my retirement accounts, negotiated with credit cards, etc. But eventually I was able to get out of debt, and buy a house. I raised my grandson in a house. That was my goal for all my children. It’s just that the older ones grew up too fast! When he grew up and moved on to living with another relative, I sold my house, moved into a senior subsidized apartment. It took me a lifetime of challenges, but I am finally debt free. I have an investment savings account, and keep two credit cards for emergencies. I use one only for household spending (cat food and litter, it gets delivered right to my door), I pay it off each month.... no interest. The other is used only for gas, occasional eating out, etc. It also gets paid off every month. They each accumulate points, so that is a plus. I mentioned emergencies, I had to use them twice. When my daughter passed away, I had to search in my file box for the card and activate it, and go to the bank for cash. Do you know they won’t sell you a cemetery plot on a credit card?! I had insurance which covered the expenses, just not fast enough. Years later, my ex-husband, the one who never paid child support or had any contact with the kids until a few years ago.... died! Guess who had to pull out that otherwise unused credit card for the cremation expenses..... boy do they itemize everything! I had not seen or had contact with this man in 45 years! Fortunately one of his relatives reimbursed me.
I live only on my social security, but I am finally debt free, and have been for over 10 years. I am very cautious of my spending.
Your video brought back memories, not bad ones, survival ones. I am happier than ever. Thank you for allowing me to share.
I’m sitting here in tears, thank you so much for this video. ♥️
Thank you so much.
Thanks again. I told you already I cleared £32000 of my own debt of credit cards. Whilst I was responsible for the payments I also thought I needed to justify why it was so high to my family and friends. I helped out family members as I was the only one with a salary. Watching your channel helped me focus properly. In the UK we get deals sometimes where a card gives interest free for a period. I moved all my debts onto 3 cards offering interest free for 36 months Then I worked out much I would need to pay before the free period ended. As each one ended I put that payment onto the next. A little like your Dave Ramsey. I did it!,, salary end of October sees final payments, the interest free ends in March 2021. I really can’t thank you enough. You are very special. 🥰🥰🥰
Thank you for being so transparent and REAL. It's true, there's such shame in financial mistakes, but why?!? We've all done stupid things, and once you learn better, you DO better.
Congrats on all your progress and success! And to someone just starting their financial journey who might be feeling overwhelmed, don't worry, you GOT this, you can do this too!
Thank you so much.
I can tell I'm hooked on Lydia, when I'm waiting for her for a new upload. You bring sunshine to my day. Hope you have a wonderful day. Hugs to you and your family
Thank you so much.
We only have our mortgage as I luckily cleared my student loans. I have just over 5 years on my mortgage but quarterly look through bills to see if can reduce. Gas, electric, mobile phones, TV package, insurances. It's about cutting costs and this has allowed us to overpay and even manage some home improvements 🤗
That's awesome.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I absolutely love the transparency and thank you it is so hard for us to open about our personal issues and you sharing helps so many!
I love hearing your story of becoming debt free. It is so inspiring. Your vlog from six years ago was my introduction to your channel. I have been a big fan ever since. Thanks for sharing.
That is awesome!
Thanks for your kindest, sweetest words and encouragement. Watching all the way from Jamaica. God bless you!
Thank you 💕
Thank you for the video. I recently started a part time to help pay off debt, that’s in addition to my full time job. You are correct nobody is going to come and pay off anything. You have to be self reliant. Congratulations on your hard work.
You got this!
Just this month I paid off credit card debt I've had for five years. I'm single so my situation is very different from yours, but I've been watching your videos for the last two years and I can't tell you how much you helped me get out of my debt. I almost cried when I clicked submit for my final payment, and I just wanted to say thank for helping me be honest with myself about my spending, and helping me change my mindset and ultimately get out of my cc debt. thank you thank you thank you!
I read this comment and I cried. Thank you so much for sharing this with me. You have worked so hard.
Boy you are right! I have debt too but I'm saving first before I pay those student loans. Here's the way I see it - better to have that emergency money while we're paying those bills and IF we don't need that money or go over our savings goal, big lump sum payment on the debt.
I am so glad as a Canadian we have no medical we have to pay except dental
Thank you, thank you and thank you! May you and your family continue to be blessed. Your channel helps remind & teaches us that if you and your family did it we can too! Thanks for the motivation, cheerleader!!!!
Great story, thanks for your honesty and inspiration! Congrats on being debt-free and keeping all the pots in the fire still going!
One of the most important lessons I’ve learned is that ignorance isn’t bliss. Self awareness leads to a feeling of security. This goes for money/budget. It also goes for a lot of other areas of my life. My health/weight, friends/family, etc. As much as my default can be to ignore the problem, the problem just doesn’t go away. But when I take the time to come up with a plan and work that plan, in the end I feel better having control over that part of my life.
I like the Lydia/Ramsey method...lots of common sense.
Thank you Lydia! 2020 has been rough on us but you give me hope that we can turn it around. Love your videos!
You got this!
Hey Lady ! Thanks so much for sharing this, this morning! I love your content and love your zeal for sticking to long term goals and being one of the weird ones. I have always been the weirdy, and appreciate when I see others like me, I'm not alone. Thanks for the encouragement! You are like my sister from another mother! Blessings chick :)
Thank you so much!!
My best take away from this video.... No one is going to come along and pay your bills and feed your kids. Lightbulb!
Lots of smart advise. And I can see you as a news reporter! You have a very crisp, clear voice. I'm sorry to hear that you are still in pain from your accident.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I pay all the bills and my mortgage and man it takes so much that I have to work overtime to stay above sometimes. I don’t want stuff I just want to be able to help friends and family. Watching your videos give me confidence. I feel like your a good friend who wants to see me succeed❤️
Oh wow! Thank you for the comment you're so kind. And it sounds like you're working so hard.
@@TheRealLydiaSenn as crazy as it sounds, I love to work so I take any extra hours I can. I love how honest, kind and relatable you are. Keep these vids coming ❤️
I had a stroke at 49. My part was 20%. Just ICU was $86,000. The hospital would not budge at all on my 20%. Period. They ended up taking me to court and won, and I appealed that and got it dismissed. But still, my part ruined my finances. Thank God I didn't lose my house because my house payment is less than a one bedroom apt in my area. I so understand a lot of this, but I'm fuzzy about how you made the change, because what you've said about extra income around the 10:00 is unclear. I wish you had just a written list somewhere showing us how this works. sigh.
GO Team Tiny Shovel! 👍
Getting out of debt has been the best decision I've made in my life. This year with all the chaos in 2020, knowing that there was no Consumer Debt with such a relief.
Thanks for sharing your story with us.
That is awesome!
Very motivational way to start my debt free journey for the third time.
You can do it!
I enjoyed watching this. There are so many videos on here with credit repair steps. Why I rank this as number 1, because if you don't start with these exact steps aka money management, people will end up heavily back in debt.
I admire your financial freedom commitment, thank you for sharing your experience!
I appreciated when you said that it is okay to save up instead of paying off the debt sometimes. $1000 is definitely not an adequate emergency fund in America. I really want to attack the debt, but I definitely want to be in a stable place also in case something should happen!
Love your videos! Recently retired and did the same methods to make sure we were debt free first. Get SS and Get a small Pension. Wish I had known all of this earlier in life. Thank you for sharing!!💕
Dave Ramsey's $1k baby emergency fund was set up 20 to 25 years ago when a grand went further. I agree with your 2 to 3 month baby emergency fund. At least when something like covid hits you can size up situation and be able to do something radical (like move quick into parent's basement) before all hell breaks loose.
How INSPIRING, wonderful life lesson... I´m happy to know you have been able to change your life! I´ll put myself on this steps, in order to pay off my 26K debts! From Spain, have a wonderful life and thanks for sharing this!
BTW, Mint Mobile has cell plans starting $15, check them out. Godspeed! I’m glad u paid ur debt.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Your wonderful and I love how honest and helpful you are 😊💐
Lydia, I've been binging your videos. I'm a new sub and loving it! I'm also a new SAHM (almost debt free, 12k left on a car). We're a blended family of 9. 6 kids are still in the home. My husband & I got rid of 67k in 2 years. It's been a crazy journey but I'm so thankful to have learned frugality!!! My husband and I both lost our jobs in March 3 days apart. If we had not prepared and fanatically as we had...we would have been up the creek. Instead, it was a blessing. We decided that I would stay home. That's where my heart is and he found a good job. Now, we're fixing to hack away at this last 12k. Blessings 😊
I never get tired of hearing your story. You're always a motivator for me. Thank you so much for sharing ❤
Wow, thank you
Stories inspire and you done that.
Bravo! I have been watching you for years... just gets better and better! PS The ambience of your bedroom is warm and charming
Thank you so much
Regarding insurance payment after an accident, there is usually a cap on medical per accident which typically is $100,000. My daughters boyfriend recently was seriously injured in a motorcycle accident which was not his fault. He had ambulance to ER, #1 ER, life flight to larger hospital, #2 ER, many days in ICU, more days in regular hospital room and physical therapy. He will never be 100% again but at least he's alive and has no brain injury or paralysis. The $100,000 was a drop in the bucket and the guy that hit him has been liquidating his assets so no chance of anything being left by the time a lawsuit could be heard (no court during the pandemic). The last I heard he'd only received billings from #2 hospital and that was in the $200,000+ range. Life flight generally is on the plus side of $16,000. I keep reminding him to be thankful he's alive and that bankruptcy is an option that he might have to consider. This is a basic fact of life in the USA. A huge percentage of bankruptcies are the direct result of medical expenses whether from illnesses or accidents.
😢😮❤
You keep motivating me to stay on track
Thank you so much.
Dave Ramsey's plan helped me get on track too. Not a huge fan of him as a person but the plan is such a good reset
Love this video! Was not long at all! ❤️
Thank you for sharing. You are as real as they come. I’ve made just about all the same mistakes, and then some. No judgement.
Thank you so much for mentioning your hospital bills and medical debt. So many people do not realize how crippling that can be. As a parent of two special needs children I can attest to that!
It's horrible. I'm so sorry you deal with that.
@@TheRealLydiaSenn thank you 😊
Lol, you crack me up ... “Let’s all hold hands and sing “Kum Bai Ya” (don’t know how to spell) 🤣
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
No wonder you are so good at speaking! You were a newscaster! Awesome. Thanks for the encouragement and ideas. My husband and I are working hard toward our retirement. We may even get to retire early.
No, I was a print journalist, a write not on TV. But thank you
Well done Lydia hard work certainly does pay off ! Super proud off you . We’ve managed to pay out mortgage off early this year . Still have a lot of goals to work through still x
Oh wow!
I absolutely seen it six years ago lol I’m an oldie but goodie! But I can’t hear enough of your help!! Love this update!! Thank you!!
Thanks for watching!
Lydia - I think your amazing ability to follow through is the secret sauce. I am so motivated by you reminding us that we can all do it 💪🏼
Oh thank you!
You're amazing, and you're every woman, which means that we all can work things out. Congrats, sweetie!!!!! And more power to all of you.😆😆😆😆😆😆😆😆
Your story is amazing and so honest. You should def write a book!
Maybe one day!
I would buy your book in a heartbeat!
wow you are very inspiring!
Thank you. Your encouragement videos are the best!
Thank you so much.
Your story is so inspiring! Thank you for continuing to share it and give others encouragement! We are trudging along on BS2 and it’s such a motivator to hear others success stories with getting out of debt. It definitely helps to keep fuel in our fire working through this slow process. Thanks for the encouragement!! ❤️❤️❤️
Thanks for sharing!!
I needed this today. Thank you so so much 💖
So glad!
This is so inspirational, thank you for being so candid and real about your path to success. The context in my country is different from the US, but we are working everyday to make the most of it (team tiny shovel here !) Have you all a great day!
Thanks for sharing!!
♥️. Exactly what I needed to hear. I always find you super encouraging!!
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Thank you What an encouraging message!
.
Thank you so much.
Appreciate your honesty and vulnerability in sharing your story Lydia 😘😘 God bless you and your family abundantly ❤
Thank you
Wow. I hate that your birth was 11K. I can't imagine that. When I had my daughter I got a letter from the hospital saying I needed 2K when i checked in in labor. And then after the birth I got a 1K bill from the anesthesiologist for my epidural.
Thanks Lydia. Turn your life around, over time 👍 Kumbaya, another song that plays on my internal jukebox 😊
Love that!
I appreciate the fact that you say it like it was. But believe me many of us have made those mistakes. At least you are telling us these things to avoid further mistakes or come up with solutions during these trying times.
What beautiful words of wisdom!
Thank you.
This was very encouraging, thank you! Why in the world did the driver who hit you not have to pay for fixing your car, medical bills and pain and suffering? Unbelievable. Smh.
My car was totaled so the insurance paid for that. But we owed so much on it. (This is why you do not borrow money to buy a car.) And eventually we were able to settle but it took two years and we were out of debt at that point.
Thank you for sharin and openin up about your past to help us move foward with ours your amazin
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Thanks for this morning motivation! I’m working on paying off a credit card and a private student loan, and saving for a car. It’s overwhelming rn
You got this!
Overall great advice but my favorite was “Ne Polite, for your own sake”
love your judgement free advice
Thank you
Thank you for sharing 🙏
Thank you love these messages they inspire me to do better ❤
So glad!
I’ve just started the debt snowball. So far I’ve paid off about 7 debts. I’m now trying to work on making a budget. Do you have any advice on making budgets for beginners?
really enjoyed this video
Awesome, thank you!
Thank you! I appreciate you :)
I could have filmed this video myself. So much regret. Now we are now working on paying off our mortgage in a year.
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
Great video Lydia!
Thank you!!
Wowwwww Thanks for sharing your story.
Thanks for listening
We paid off $45 with one income. My husband was like why are you worried about it now? Bc he was in College at the time. I was like I want it gone. We have $25k left. Some of it was car tho.
Great Video! Except for rent, we are debt free! He will retire in a few years, we are putting money away to pay cash for a home if we ever want too. I like you struggled for many years, I finally got everything paid off and it feels good.
That is awesome!
Was the person who hit you uninsured? I would think at least their insurance would cover the medical expenses at minimum or even some for pain and suffering. I also got into an accident when I was pregnant but it was my fault, that had bad financial repercussions (totalled car and no full coverage, so no money to replace car) but thankfully noone was hurt.
In order to get someone to pay for medical expenses in an accident like this you have to go through subrogation, which means your insurance company sues their insurance company. It took two FULL YEARS to get any claims paid.
Yes, I hear ya. I also had another accident where I did get hurt (the other driver's fault), I remember it took a long time to get my medical bills paid, I kept getting annoying calls.
Great video thanks
Glad you enjoyed it
If you have credit cards in a collections agency that won’t leave you alone, you can negotiate with them! Google this! Do it yourself or if you have a close person that is a good negotiator ask for their help!
Remember when on the Two and a half Men show Allen blow up his last alimony check? I wanted to do that with my husbands Sallie Mae student loans!!!! Hahhaha! Also felt great when I paid off our new van early and got that title in the mail🤗 Then I wanted to get another check blown up when he completed paying child support through the state. In between we have no credit cards of any kind. We are almost finished with his car not in a few months. I would like to do some projects around the house and put in extra payments to our mortgage. Our goal is to make extra payments to pay less to interest. Overall paying the mortgage off early. It is like a snowball effect.
How did you start your VA business? What courses or material would you suggest?
I love your story, I remember when you posted this years ago. I was a silent watcher then. How much does a domain cost now. I'm home with mama and need to do something when she sleeps.
Usually $10-$15.
Im lucky that my smallest debts are also my highest interest debts. So im doing both snowball and avalanche 😆
God bless you!
Am glad recommending Tibehackk on IG to you he safe me away from poverty and he cleared all my credit card dept and still generate me $7000 into my cash app account
I have no debt except my mortgage and was planning to pay it down fast but now we have covid. Im grateful i still have a job but its uncertain. My income covers majority of the household expenses and my husband is recovering from a stroke in jan 2020. I have 6 mths expenses saved up. Should i build up my emergency funds to 12 mths and pausing on paying down mortgage? Or pay down mortgage aggressive and be done in 2 years? Dave ramsey says when there is a major life event, hit pause then continue later. Its very logical but why do i have this constant nagging feeling to clear my mortgage instead!? I need advise.
Because you want to be finished and just done with it. I understand that. It will happen.
It's such a shame that your insurance didn't pay more for you. I live in Florida and paid $200 to have my baby with insurance which was a blessing!
It was crappy insurance. We have a better plan now.
@@TheRealLydiaSenn Good news. ❤️
this has definitly helped me, We currently bring in $60k together. and we have $30,000 in debt not including our mortgage, (198k) and car title ($475). Its very hard, were paying $1000 a month in just credit cards, its very hard, very lol, and emotionally draining since we have two small kids who are wanting to go out, dieny, waterparks, and eat ALOT lol. trying to juggle everything. i hope we can stay on pace. definitly trying to not go out as much or buy stuff i want :/
In the uk its unbelievable that having a baby cost €11000.
It doesnt matter your income if your working or not we all get the same care and any tests, visits ,surgery or blood test or having a baby costs nothing.
Imagine not getting paid Maternity Leave either!