Props to your mortgage amount! We pay about the same for ours. Our house is old and outdated and we live in a suburb where everything is NEW and I often feel like we must be doing something wrong, but the smaller mortgage is why I can be a SAHM. Truly.
You're not doing anything wrong.Your neighbors just have a lot of debt.Also you're putting your children before material things.
4 года назад+13
Thanks for sharing! Love how open and genuine you are! So happy that your family has made therapies for your son a priority! As a private SLP, I see so many families spend tons on clothes, nails, cars, hair, etc. and then say that speech therapy for their child is too expensive. Also, that baby!!
Yes to a homesteading video!!! I could listen to you ramble about anything for hours. Your voice is so soothing and you have a great sense of humor!! ❤️
Thank you for sharing with us. I don’t think I’ve seen your daughter before- she is precious. Your giving is testament to your generous spirit- I didn’t feel icky but inspired. Have a great day.
If anyone complains about what you’re spending your money on, they clearly don’t understand why it’s great to be debt free. You have the freedom to spend on what you want BECAUSE you are debt free.
Thank you for the video! Libby is precious!!😍😍😍 And THANK YOU for saying that gardening doesn't always save you money. Dear gosh! We have a garden and truthfully, it's just my husband's hobby. When he retires from the military he wants to homestead full time and help us to be more self- sufficient but right now it's not saving us any money. However he does things as frugally as possible so I'm ok with it being his hobby.
Lydia I am so glad you posted this video! You are the best part of my morning routine because you motivate me to stay on track. I understand why it feels icky to talk about how low your mortgage is and how much you give to causes that mean something to you. But it gives me joy to see that you and your family are doing well and helping others out.
Libby is absolutely beautiful!!! 💖💖 we live in the south and have a small mortgage as well. Still working hard on my No Buy year!!! Thank you for everything you do for your viewers!!! You keep us motivated 🙌🏻🙌🏻
Wow ! A no buy year? I did a "No buy for myself". It lasted 6 months and by that timr my clothes were pretty rough looking and my makeup supply was thin.
Libby is sooooo cute!!!!! I just love her cameos! Great video Lydia! I’m always curious about how people budget. Most people aren’t as open as you and I appreciate it!
Therapies are so expensive so props to you for making it work! When my son was in therapy (5 days a week) we got the end of the year statement and it was more than my husband makes in a year 😳. Our insurance covered it so we are very blessed.
I have been a subscriber of yours for a long time now but I have been away from RUclips for awhile. I seriously love your attitude! My husband and I were so on board with paying off debt and saving money and we were doing really well....then I got diagnosed with cancer...I just became cancer free at the very end of last year (December 29th, 2019!) WOO WOO! However, in light of that I have been spoiling myself a bit more, definitely some extra runs to Starbucks and I might even get highlights in my hair for summer! Anyways, I just wanted to comment and say I really enjoy your attitude about money because everyone is walking their own path and I think its awesome that you see that!
I pay health insurance and I live in the uk. The nhs is a great idea but it’s very over stretched. The waiting time are silly. Costs about £111.00 pre month.
You are my favourite 'frugal' youtuber. You're realistic and enjoyable to watch 😊 I've had the same car for 8 years. I keep it clean (most of the time) and change whatever needs changing and I'm good to go. Dont care what it looks like at all lol. I've saved £200 in 2 months just from your videos alone and hope to do more in the future 😁
Just watched this one and this is why you are my absolute favorite!!! Give because it’s right and because you can. You should not expect praise for giving and helping!! Keep up your positive reinforcement and sharing your story!! Always feel better after watching you❤️
My favorite part of your video is reminding us that we don't have to justify our spending to others. I also know that the way to becoming debt free is giving and saving. I participated in a community garden for a couple years. This year I decided to skip it and head to the farmers market. My harvest was pitiful. You are right on target with your content.
My youngest son also has OT and Speech therapy... he has needed it since he was 3 years old (now 8). We were lucky to receive in home therapy at age 3 at no charge due to our amazing state regulations, and then he also attended a special needs preschool for two years at no charge... and now he receives both at school, where he has one or the other for a short amount of time each day. He has made huge strides and is expected to be a fully functional adult with little to no delays! All this to say, I am in the same boat with you, Lydia, and isn’t it amazing how True it is that God doesn’t give us more than we can handle? You are an exceptional mother! Thank you for sharing details that can make you feel vulnerable.... we appreciate it!
Libby is beautiful. My Mom always spent more than she would save on food for tending her garden but the health benefits are invaluable. She spent hours outside with her hands in the earth. You can’t put a price on that.
having a garden IS saving money when you can freeze and/or can your food for future meal plans. i agree with you, you don't have to justify where your money goes.
My youngest daughter had speech therapy and we sacrificed private preschool and instead placed her into prek age based classes at our local community center in order to afford the $600 monthly therapy sessions and it was worth every penny. I applaud you for doing what you know works best for your child. I got a lot of raised eyebrows when friends and family would find out our cost for therapy and my answer is my kid, my money, and my decision. 😊
I don’t comment much and in fact, have gotten so behind on my favorite vloggers....you being one of the best! I love your advice, the cute expressions, whispers... I always get a laugh from you. We are remodeling our 45 yr old house also so I have enjoyed learning about what all you are doing. Some things are the same (Windows) and updating all over. We had to replace a tub shower combo which included plumbing that wasn’t expected. It tears up your walls so there is that. We replaced all hall doors and added and replaces light fixtures. We replaced our floors...what a job. Painted all walls (sorry, mine are the palest of grey but I love it! Sherwin Williams, Silverado) It is close to a white shade and I did all trim in extra white (also Sherwin Williams) so it looks so clean and fresh and brighter. I don’t have small children or homeschool so wow! You have my thoughts and prayers!
I think it's great that you shared what you give. People that don't give have no idea what it's like for those of us that do. It's a reality check for those people
Thanks for sharing your business with us! Your family is truly blessed by God in many ways, & I know if my family lived closer we could be good friends! And, yes, our central Alabama gardens over the last 12 years have cost us tons more than if we never tried because in total we have yielded 5 or 6 cherry tomatoes, 1 watermelon, 1 canteloupe, 4 or 5 yellow crooked-neck squash, 2 zucchini, 10-15 bell peppers, 5 potatoes, and 80-100 cayenne peppers that were editable. I have read books, & watched videos to have a successful garden, but many books leave out the problems we have encountered & I have learned what not to do the hard way! One day, I will have a bountiful garden because I am determined!
I love what you said in the beginning of this video. I'm sharing my journey to becoming debt free and a lot of times I feel judged and I get a few negative comments about how I spend my money because I'm very open about my budget. I have to remember that I don't really owe anyone an explanation. Also love what you said about your farm. My end goal is to have land and live on it (not for money savings reasons, but for the purpose of teaching our kids how to grow their own food and know what we are eating). Great video!
Same! Im very open with our budget. I often feel judged and actually lose subscribers when I post my budget videos though. I'm starting to think it's because we're further along in our journey. Focusing on investing, building wealth and paying off the mortgage. I'm assuming my viewers aren't quite there yet so they dont want to see it 😞 But a lot of RUclipsrs that do budget videos are paying off debt, I feel sharing life after that step is still important and should be seen encouraging, atleast that was my goal. Maybe people see it as braggy.
@@busybecky6327 I guess you really can't please everyone. But the important thing is that you're making it!! And as you grow your wealth, perhaps you'll start attracting new viewers who are doing the same.
100% on the garden. Saw someone on fb saying that if you buy pepper plants from Lowe's as long as you get half a dozen vegetables from each one you've made your money back. Um no those run about $4 and green peppers are usually 50 cents at the store. Annnd I'm not usually that lucky with my pepper plants anyways. I'm planting a few things from seeds this year, we will see how its goes, our hoa doesnt allow gardens so everything will be in a pot.
I think your doing an amazing job and are so inspiring! We are on a debt free journey and hoping to be debt free by the end of March (including our mortgage). I am so excited and can’t wait to just have a breather for a bit afterwards. We too are a family of 6 and again...I can’t thank you enough for inspiring me to keep on the track of debt free. ❤️ Keep up all the great work and thank you for sharing your numbers with us.
I use to care about what I drove around in but now as long as it makes me to work & back in lots of snow, I will deal with the fact it is 15 years old. We just recieved my mother old car for my summer/spare vehicle which is 20 years old but all is paid in full & where my husband works on vehicles its a blessing to keep them running. I absolutely enjoy your inspiration & advice, your amazing & I believe that what you feel your children need for medical or even extra curricular activities is solely up to you & your family to choose. No one has to right to judge how you spend your $, they may suggest but when family is involved they come 1st
Here is our type 5: 1) all the sinking funds (car repair, car replacement, insurances, home repair, medical etc) 2) mortgage 3) Roth IRA 4) Giving 5) total utilities: $700 there.
We budget to give, I never feel like I give enough and it is my goal to keep increasing. Insurance is still our highest amount even though we are seniors, that supplement, whew!
Great video! Thank you for keeping it real and reminding us that each person’s life and thus budget will be different and that’s okay 👌🏻 also, If you ever do merch, you should do a shirt that says “moisturizer and good shoes” 😂
Its so important to gift and help others. However its amazing what u can do with such little amounts. I try to help the sunday school as they enjoy the extras.
I love you Lydia Senn! confession .....spent money on oreo's the thin ones 🙄🙄🙄🙄🙄🙄worst part .....I ate them all. I'm under stress please pray for my mama
Hi, I had to come back and comment... I know what the bible says about giving... but it is also inspirational to talk about it... like those videos about paying forward for example... and often you feel so blessed by giving... it doesn't need always be monetary... but if you can give... either way... do it... it makes so much difference... for a good cause... and if you give than do it without any expectations than you will be truly blessed. Thanks again for sharing your personal points of view
thank you so much for your content... I used to live in Ky, and I remember minimum Wage was 4.25 an hour... but that was 28 years ago... your daughter is such a sweetheart and you both have wonderful blue eyes... love you guys ♥
Wonderful!! Thank you for sharing!! Super helpful!! I like that you teach that put in your budget what’s important to you and your family! Adorable baby by the way!🥰
Superb info! Loved, loved, loved your comment on 'grow your own veg'. Yes! Take into account fertiliser, seeds, water, etc. which are easily overlooked (read: ignored). After all, if you are going to recommend/suggest/tell then all the factors have to be taken into account. Thank you for, as ever, an insightful and realistic video.
That’s so good that you are able to give money every month! Currently I’m not finically able to but I hope eventually I can. My parents and grandparents give every month and it’s great! So many charities need it and actually do great things with the funding 🥰 also your mortgage is good! I’m house looking and man it’s expensive! Lol
Lydia I live in CA. Gas is over $3 a gal. House payment is $2677. Food approximately $1200 a month. I'm not going on because I don't want to depress you. We're retired and raising our 9-year-old grandson so we can't moved out of this _______state. I totally budget so we can survive. So many other places I would rather live.
I’ll have paid off my car in may 🥳 and will be keeping it (although everyone is telling me to get a new one) as it gets me where I want go! Libby is such a sweet baby!
Oh my gosh your baby girl is so adorable. We pay a little over a thousand for two people Blue Cross/Blue Shield PPO 90/10 in the state of Hawaii. I think your premium for a family is really reasonable and it's nice that your medical premiums are your largest monthly expense. Love your videos as they are always informative and fun.
Van mom here! Love it! It’s SO much easier to load up the kids in. No beaches but plenty of corn fields here in Indiana. I feel lucky because our mortgage is $503.91 a month. I’m wondering if we pay for towing with our car insurance. 🤔 Definitely going to look into that!
Your baby is sooooo adorable!!! 😍😍😍 Love babies! Anyways, this is one of my favorite videos that you have done! Thank you for sharing! God Bless you and your family, Lydia.
Lydia!! She is so stinking cute- I can’t stand it! That was a great video- especially all the encouragement and appreciation at the end. I felt it! 💕 and I’m gonna remember that justify phrase. That was new to me.
Sweet baby! I didnt even think about this until seeing this video. Our biggest expense is investing (if we count our 5 retirement account contributions combined) , which feels awesome!! Next would be mortgage. Loved this video! 💕
Yes it is helpful in that this country needs to do national healthcare. It’s money related just had a neighbor lose his house due to medical bills. I do love to see your baby...so beautiful.
I have the same view of all of the benefits of piano. Including math skills! We have invested in piano lessons for both of our girls and it is beyond worth it!
Thanks for always being encouraging by sharing y’all’s story and journey. Hoping and praying one day that we will be able to give generously, more than just tithes. 🥰 Kristina
Our mortgage is $780 a month, includes property taxes and home owners insurance. We live in a low cost, older neighborhood. Many folks in our city choose new subdivisions with much larger homes. What brand is your van? We plan to buy a used vehicle this week for $3000 or less. We only buy used Toyotas and Hondas.🚘 Lydia, do you keep 6 months in your emergency fund? Any sinking funds? Thanks for sharing this video. 🏝🏝🏝
We have a Hyundai van. They don't make them anymore. Also, we have a 12 month emergency fund and have no sinking funds. We keep a years worth of expenses and use that to cover anything that comes up and then we replenish what we use.
My husband is in the military and we bought a house and our Mortgage is only 900 because we bought in a more country area...two years after we bought the house the army decided to moveus to an area where the living cost is ridiculously expensive and our rent is literally double our mortgage 😭😭😭😭.... we kept our house and are renting it to another soldier but it sucks to have to move and pay such high rent
Holy cuteness, batman. She is precious!!! I am so jealous of your mortgage. We live in a big city and the housing here is insanely high (partially due to the nearly 3% property tax!!) but my husband's job makes it worth it to live here. He absolutely loves his work & thankfully it provides for us to live here. I just cringe thinking about how much we have to pay here for housing.
I was paying close attention to your video but when you brought out you're gorgeous baby I just lost it. She is just a beautiful cutie pie. May God bless your angel and all your little angels and your family. Love your videos Lydia! My middle name is Lydia also.
I have wanted to ask 2 things: 1) have you tried cloth diapering and do you feel like disposables just work better, or are easier as a mom? (We will be a family of 6 in June and I'm a tired Mama) 2) should tithe be counted into the giving category? Thanks and love how big your kiddos have gotten!! Such a beautiful family and such blessings in your home
Your utilities are excellent but could be better. I'm not you but here is my example. Electric: $40, water: $28, Cell phone: $25 internet: $70. no big secret. Installed $4000 solar array, collect rainwater for showering, washing clothes and gardening. installed Incinerating Toilet using no water. add ashes to the garden for fertilizer. switched to mint mobile for cell phones. well on my way of being 100% off grid
My mortgage payment is lower than yours lol.. I live in a rural place in AZ so I feel you on choosing to live in a lower cost area. It makes more financial sense. 😀
Our mortgage is killing us. Only been here 2 years and unfortunately income has changed and have had tons of unexpected medical bills. Been torn between just hanging in there and getting caught up or uprooting our entire lives to sell and move!
Please do not feel like you need to justify your sons therapy. Our daughter is special needs and our school district is amazing. We have never needed to pay for other therapy. I used to pay for extra reading tutor. And it was money well spent. It helped her learn to read and now she doesn’t have any problems
Props to your mortgage amount! We pay about the same for ours. Our house is old and outdated and we live in a suburb where everything is NEW and I often feel like we must be doing something wrong, but the smaller mortgage is why I can be a SAHM. Truly.
You're not doing anything wrong.Your neighbors just have a lot of debt.Also you're putting your children before material things.
Thanks for sharing! Love how open and genuine you are! So happy that your family has made therapies for your son a priority! As a private SLP, I see so many families spend tons on clothes, nails, cars, hair, etc. and then say that speech therapy for their child is too expensive. Also, that baby!!
Don't feel the need to justify your son's therapy or the fact that you homeschool.
I appreciate you!
💕
I don't care about cars either. I care about getting from A to B lol.
Hondas will run forever and without a lot of maintenance, we love our Honda Fits!
Yes to a homesteading video!!! I could listen to you ramble about anything for hours. Your voice is so soothing and you have a great sense of humor!! ❤️
Didn't take in a word you said while your baby was in screen 😂 She's adorable!
Thank you 👶🏼
@@TheRealLydiaSenn Your baby girl has such sweet eyes!
@@TheRealLydiaSenn Libby has your eyes, wow!!!
Thank you for sharing with us. I don’t think I’ve seen your daughter before- she is precious. Your giving is testament to your generous spirit- I didn’t feel icky but inspired.
Have a great day.
Thank you so much for the encouragement 💕
If anyone complains about what you’re spending your money on, they clearly don’t understand why it’s great to be debt free. You have the freedom to spend on what you want BECAUSE you are debt free.
Thank you for the video! Libby is precious!!😍😍😍
And THANK YOU for saying that gardening doesn't always save you money. Dear gosh! We have a garden and truthfully, it's just my husband's hobby. When he retires from the military he wants to homestead full time and help us to be more self- sufficient but right now it's not saving us any money. However he does things as frugally as possible so I'm ok with it being his hobby.
Lydia I am so glad you posted this video! You are the best part of my morning routine because you motivate me to stay on track. I understand why it feels icky to talk about how low your mortgage is and how much you give to causes that mean something to you. But it gives me joy to see that you and your family are doing well and helping others out.
Thank you for your encouragement.
That sweet baby is a living doll!! How beyond precious!!
Libby is absolutely beautiful!!! 💖💖 we live in the south and have a small mortgage as well. Still working hard on my No Buy year!!! Thank you for everything you do for your viewers!!! You keep us motivated 🙌🏻🙌🏻
Wow ! A no buy year? I did a "No buy for myself". It lasted 6 months and by that timr my clothes were pretty rough looking and my makeup supply was thin.
Libby is sooooo cute!!!!! I just love her cameos! Great video Lydia! I’m always curious about how people budget. Most people aren’t as open as you and I appreciate it!
Therapies are so expensive so props to you for making it work! When my son was in therapy (5 days a week) we got the end of the year statement and it was more than my husband makes in a year 😳. Our insurance covered it so we are very blessed.
I have been a subscriber of yours for a long time now but I have been away from RUclips for awhile. I seriously love your attitude! My husband and I were so on board with paying off debt and saving money and we were doing really well....then I got diagnosed with cancer...I just became cancer free at the very end of last year (December 29th, 2019!) WOO WOO! However, in light of that I have been spoiling myself a bit more, definitely some extra runs to Starbucks and I might even get highlights in my hair for summer! Anyways, I just wanted to comment and say I really enjoy your attitude about money because everyone is walking their own path and I think its awesome that you see that!
I pay health insurance and I live in the uk. The nhs is a great idea but it’s very over stretched. The waiting time are silly. Costs about £111.00 pre month.
You are my favourite 'frugal' youtuber. You're realistic and enjoyable to watch 😊
I've had the same car for 8 years. I keep it clean (most of the time) and change whatever needs changing and I'm good to go. Dont care what it looks like at all lol.
I've saved £200 in 2 months just from your videos alone and hope to do more in the future 😁
Thank you so much. And that’s amazing. Thank you for sharing.
Your baby has the most gorgeous eyes! Great video, it’s so nice to watch how honest you are. I can relate so much.
Just watched this one and this is why you are my absolute favorite!!! Give because it’s right and because you can. You should not expect praise for giving and helping!! Keep up your positive reinforcement and sharing your story!! Always feel better after watching you❤️
My favorite part of your video is reminding us that we don't have to justify our spending to others. I also know that the way to becoming debt free is giving and saving. I participated in a community garden for a couple years. This year I decided to skip it and head to the farmers market. My harvest was pitiful. You are right on target with your content.
My youngest son also has OT and Speech therapy... he has needed it since he was 3 years old (now 8). We were lucky to receive in home therapy at age 3 at no charge due to our amazing state regulations, and then he also attended a special needs preschool for two years at no charge... and now he receives both at school, where he has one or the other for a short amount of time each day. He has made huge strides and is expected to be a fully functional adult with little to no delays! All this to say, I am in the same boat with you, Lydia, and isn’t it amazing how True it is that God doesn’t give us more than we can handle? You are an exceptional mother! Thank you for sharing details that can make you feel vulnerable.... we appreciate it!
Libby is beautiful. My Mom always spent more than she would save on food for tending her garden but the health benefits are invaluable. She spent hours outside with her hands in the earth. You can’t put a price on that.
We absolutely love it. It just irritates me when people talk about it saving money. Let’s just be honest about how much things actually cost.
Oh my word, your daughter is absolutely beautiful!! Thanks for sharing this video. You inspire me to do better when it comes to our money! Take Care
having a garden IS saving money when you can freeze and/or can your food for future meal plans. i agree with you, you don't have to justify where your money goes.
My youngest daughter had speech therapy and we sacrificed private preschool and instead placed her into prek age based classes at our local community center in order to afford the $600 monthly therapy sessions and it was worth every penny. I applaud you for doing what you know works best for your child. I got a lot of raised eyebrows when friends and family would find out our cost for therapy and my answer is my kid, my money, and my decision. 😊
I don’t comment much and in fact, have gotten so behind on my favorite vloggers....you being one of the best! I love your advice, the cute expressions, whispers... I always get a laugh from you. We are remodeling our 45 yr old house also so I have enjoyed learning about what all you are doing. Some things are the same (Windows) and updating all over. We had to replace a tub shower combo which included plumbing that wasn’t expected. It tears up your walls so there is that. We replaced all hall doors and added and replaces light fixtures. We replaced our floors...what a job. Painted all walls (sorry, mine are the palest of grey but I love it! Sherwin Williams, Silverado) It is close to a white shade and I did all trim in extra white (also Sherwin Williams) so it looks so clean and fresh and brighter. I don’t have small children or homeschool so wow! You have my thoughts and prayers!
I think it's great that you shared what you give. People that don't give have no idea what it's like for those of us that do. It's a reality check for those people
Love your videos...thank you for taking your time out to do them for us!!!! Baby Libby is adorable!!!! Love her sweet smile
Thank you so much
That’s amazing and not braggy at all! Y’all really live and GIVE like no one else!
Thank you 💕
Just a question why you’d give that much monthly, when you still have a mortgage??
Thanks for sharing your business with us! Your family is truly blessed by God in many ways, & I know if my family lived closer we could be good friends! And, yes, our central Alabama gardens over the last 12 years have cost us tons more than if we never tried because in total we have yielded 5 or 6 cherry tomatoes, 1 watermelon, 1 canteloupe, 4 or 5 yellow crooked-neck squash, 2 zucchini, 10-15 bell peppers, 5 potatoes, and 80-100 cayenne peppers that were editable. I have read books, & watched videos to have a successful garden, but many books leave out the problems we have encountered & I have learned what not to do the hard way! One day, I will have a bountiful garden because I am determined!
It’s hard. We have some Sandy acidic soil in the state.
I love what you said in the beginning of this video. I'm sharing my journey to becoming debt free and a lot of times I feel judged and I get a few negative comments about how I spend my money because I'm very open about my budget. I have to remember that I don't really owe anyone an explanation.
Also love what you said about your farm. My end goal is to have land and live on it (not for money savings reasons, but for the purpose of teaching our kids how to grow their own food and know what we are eating).
Great video!
Same! Im very open with our budget. I often feel judged and actually lose subscribers when I post my budget videos though. I'm starting to think it's because we're further along in our journey. Focusing on investing, building wealth and paying off the mortgage. I'm assuming my viewers aren't quite there yet so they dont want to see it 😞 But a lot of RUclipsrs that do budget videos are paying off debt, I feel sharing life after that step is still important and should be seen encouraging, atleast that was my goal. Maybe people see it as braggy.
@@busybecky6327 I guess you really can't please everyone. But the important thing is that you're making it!! And as you grow your wealth, perhaps you'll start attracting new viewers who are doing the same.
@@TheRealAngelGrace Yes, you're so right.
well done. Recently found you. Love how your adorable baby already knows how to look at the camera lens!
Love love the transparency of this video.
Thank you
100% on the garden. Saw someone on fb saying that if you buy pepper plants from Lowe's as long as you get half a dozen vegetables from each one you've made your money back. Um no those run about $4 and green peppers are usually 50 cents at the store. Annnd I'm not usually that lucky with my pepper plants anyways. I'm planting a few things from seeds this year, we will see how its goes, our hoa doesnt allow gardens so everything will be in a pot.
I think your doing an amazing job and are so inspiring! We are on a debt free journey and hoping to be debt free by the end of March (including our mortgage). I am so excited and can’t wait to just have a breather for a bit afterwards. We too are a family of 6 and again...I can’t thank you enough for inspiring me to keep on the track of debt free. ❤️ Keep up all the great work and thank you for sharing your numbers with us.
I use to care about what I drove around in but now as long as it makes me to work & back in lots of snow, I will deal with the fact it is 15 years old. We just recieved my mother old car for my summer/spare vehicle which is 20 years old but all is paid in full & where my husband works on vehicles its a blessing to keep them running. I absolutely enjoy your inspiration & advice, your amazing & I believe that what you feel your children need for medical or even extra curricular activities is solely up to you & your family to choose. No one has to right to judge how you spend your $, they may suggest but when family is involved they come 1st
Here is our type 5:
1) all the sinking funds (car repair, car replacement, insurances, home repair, medical etc)
2) mortgage
3) Roth IRA
4) Giving
5) total utilities: $700 there.
We budget to give, I never feel like I give enough and it is my goal to keep increasing. Insurance is still our highest amount even though we are seniors, that supplement, whew!
Great video! Thank you for keeping it real and reminding us that each person’s life and thus budget will be different and that’s okay 👌🏻 also, If you ever do merch, you should do a shirt that says “moisturizer and good shoes” 😂
OMG your daughter is absolutely precious!!! She is just beautiful.....those eyes!!!! God bless you and your family and TFS. Take care...........
Its so important to gift and help others. However its amazing what u can do with such little amounts. I try to help the sunday school as they enjoy the extras.
I love you Lydia Senn! confession .....spent money on oreo's the thin ones 🙄🙄🙄🙄🙄🙄worst part .....I ate them all. I'm under stress please pray for my mama
I am praying for your mama. Bless you and her. And those oreos are good.
You are so down to earth - you make me smile and occasionally LOL Thanks so much!
Love the fact you give
Hi, I had to come back and comment... I know what the bible says about giving... but it is also inspirational to talk about it... like those videos about paying forward for example... and often you feel so blessed by giving... it doesn't need always be monetary... but if you can give... either way... do it... it makes so much difference... for a good cause... and if you give than do it without any expectations than you will be truly blessed. Thanks again for sharing your personal points of view
I totally love your channel and everything about it! Thank you for sharing!
👍👍👍 I appreciate you & you sharing your time 💜 Libby is growing!
thank you so much for your content... I used to live in Ky, and I remember minimum Wage was 4.25 an hour... but that was 28 years ago... your daughter is such a sweetheart and you both have wonderful blue eyes... love you guys ♥
Wonderful!! Thank you for sharing!! Super helpful!! I like that you teach that put in your budget what’s important to you and your family! Adorable baby by the way!🥰
Edification, exhortation and uplifting. Nice.
Lydia, how did you find your piano teacher and we don’t have a piano, where did you get yours? I’d love to get my daughter started!
Love all your content, Lydia! Thanks for sharing!! And now I’m intrigued... what moisturizer do you use and do I need it in my life?! 🤣
Weleda skin food or Egyptian magic.
Superb info! Loved, loved, loved your comment on 'grow your own veg'. Yes! Take into account fertiliser, seeds, water, etc. which are easily overlooked (read: ignored). After all, if you are going to recommend/suggest/tell then all the factors have to be taken into account. Thank you for, as ever, an insightful and realistic video.
That’s so good that you are able to give money every month! Currently I’m not finically able to but I hope eventually I can. My parents and grandparents give every month and it’s great! So many charities need it and actually do great things with the funding 🥰 also your mortgage is good! I’m house looking and man it’s expensive! Lol
Lydia I live in CA. Gas is over $3 a gal. House payment is $2677. Food approximately $1200 a month. I'm not going on because I don't want to depress you. We're retired and raising our 9-year-old grandson so we can't moved out of this _______state. I totally budget so we can survive. So many other places I would rather live.
Your baby is an absolute Doll!!👼💕💕
I’ll have paid off my car in may 🥳 and will be keeping it (although everyone is telling me to get a new one) as it gets me where I want go! Libby is such a sweet baby!
Another great video!!! Your daughter to precious!
Oh my gosh your baby girl is so adorable. We pay a little over a thousand for two people Blue Cross/Blue Shield PPO 90/10 in the state of Hawaii. I think your premium for a family is really reasonable and it's nice that your medical premiums are your largest monthly expense. Love your videos as they are always informative and fun.
This was such a good vlog, very interesting! I would love to see this every month for sure👍🏼
love your channel, So enjoyable:)
Im a stay at home mom and a pianist and totally agree with your perspective on music as well!
Van mom here! Love it! It’s SO much easier to load up the kids in. No beaches but plenty of corn fields here in Indiana. I feel lucky because our mortgage is $503.91 a month. I’m wondering if we pay for towing with our car insurance. 🤔 Definitely going to look into that!
Im am Loving this posting schedule!
Your baby is sooooo adorable!!! 😍😍😍 Love babies! Anyways, this is one of my favorite videos that you have done! Thank you for sharing! God Bless you and your family, Lydia.
Thank you
Thank you for being to open about your finances. It really helps with teaching others. 😊
Thank you
Lydia!! She is so stinking cute- I can’t stand it! That was a great video- especially all the encouragement and appreciation at the end. I felt it! 💕 and I’m gonna remember that justify phrase. That was new to me.
Thank you so much, Laura!
Thank you for sharing Lydia. You and your family are such good stewards.
Thank you
😂😂😂 few minutes in and I adore you!
Enjoyed listening to your video. And yes what a precious daughter. : )
Sweet baby! I didnt even think about this until seeing this video. Our biggest expense is investing (if we count our 5 retirement account contributions combined) , which feels awesome!! Next would be mortgage. Loved this video! 💕
You know I didn’t even factor that in. I should have.
Your baby is so beautiful! Please have her make guest appearances in more videos. My baby is 18, you forget how little they were.
Lol. She’s usually there when I’m filming. You just don’t see her.
@@TheRealLydiaSenn Maybe she can be shown right at the end so we can see how big she is getting.
Yes it is helpful in that this country needs to do national healthcare. It’s money related just had a neighbor lose his house due to medical bills. I do love to see your baby...so beautiful.
Calling your rep makes a difference. I do it all the time. Here’s the number to the switch board. (202) 224-3121
@@TheRealLydiaSenn My reps are Florida Republicans so it falls on deaf ears. Very frustrating.
Awe she melted my heart.....❤️🙅🏻🙋🏻I want to move where you live my girl is going to college and want a low mortgage 🙏🏼🙏🏼🙏🏼
I have the same view of all of the benefits of piano. Including math skills! We have invested in piano lessons for both of our girls and it is beyond worth it!
Yes! 🙌
Thanks for always being encouraging by sharing y’all’s story and journey.
Hoping and praying one day that we will be able to give generously, more than just tithes.
🥰 Kristina
Omg your baby is gorgeous and precious. Love your videos they are very informative xo
Our mortgage is $780 a month, includes property taxes and home owners insurance. We live in a low cost, older neighborhood. Many folks in our city choose new subdivisions with much larger homes. What brand is your van? We plan to buy a used vehicle this week for $3000 or less. We only buy used Toyotas and Hondas.🚘 Lydia, do you keep 6 months in your emergency fund? Any sinking funds? Thanks for sharing this video. 🏝🏝🏝
We have a Hyundai van. They don't make them anymore. Also, we have a 12 month emergency fund and have no sinking funds. We keep a years worth of expenses and use that to cover anything that comes up and then we replenish what we use.
My husband is in the military and we bought a house and our Mortgage is only 900 because we bought in a more country area...two years after we bought the house the army decided to moveus to an area where the living cost is ridiculously expensive and our rent is literally double our mortgage 😭😭😭😭.... we kept our house and are renting it to another soldier but it sucks to have to move and pay such high rent
Holy cuteness, batman. She is precious!!! I am so jealous of your mortgage. We live in a big city and the housing here is insanely high (partially due to the nearly 3% property tax!!) but my husband's job makes it worth it to live here. He absolutely loves his work & thankfully it provides for us to live here. I just cringe thinking about how much we have to pay here for housing.
Lydia, all 4 of your children are so cute. I would love to see pics of you and your hubby when you were kids.
I was paying close attention to your video but when you brought out you're gorgeous baby I just lost it. She is just a beautiful cutie pie. May God bless your angel and all your little angels and your family. Love your videos Lydia! My middle name is Lydia also.
Thank you so much
You're amazing! I can't believe you give so much. And it's cool you're so humble. Not braggy
Thank you 💕
Therapy is worth every penny.
I have wanted to ask 2 things: 1) have you tried cloth diapering and do you feel like disposables just work better, or are easier as a mom? (We will be a family of 6 in June and I'm a tired Mama)
2) should tithe be counted into the giving category?
Thanks and love how big your kiddos have gotten!! Such a beautiful family and such blessings in your home
I clothed diapered for 2.5 years and I hated every second of it.
Wonderfully presented. You are amazing!
Your utilities are excellent but could be better. I'm not you but here is my example. Electric: $40, water: $28, Cell phone: $25 internet: $70. no big secret. Installed $4000 solar array, collect rainwater for showering, washing clothes and gardening. installed Incinerating Toilet using no water. add ashes to the garden for fertilizer. switched to mint mobile for cell phones. well on my way of being 100% off grid
You are an amazing woman & that baby girl is too precious!
Good for u Lydia. U go girl !!
🙌
Oh!!!! She looks so much like you!!!!
Thank you
Thank you for sharing! I enjoy watching your videos. I look forward to your videos.
Thank you so much 💕
Me too so helpful
Oh my god Libby is THE CUTEST!!! That smile!! :)
Now I need to know what moisturizer you use:)
This was really helpful thank you
Thank you
My mortgage payment is lower than yours lol.. I live in a rural place in AZ so I feel you on choosing to live in a lower cost area. It makes more financial sense. 😀
It’s a good option for those of us who have it. ⭐️
Baby girl is Beautiful!!!! Just like Mamas twin. 💕💞💝💕💞🙏🏻🙏🏻🙏🏻
Your baby is gorgeous!!!
Our mortgage is killing us. Only been here 2 years and unfortunately income has changed and have had tons of unexpected medical bills. Been torn between just hanging in there and getting caught up or uprooting our entire lives to sell and move!
That’s a tough decision.
Please do not feel like you need to justify your sons therapy. Our daughter is special needs and our school district is amazing. We have never needed to pay for other therapy. I used to pay for extra reading tutor. And it was money well spent. It helped her learn to read and now she doesn’t have any problems
Love the special appearance of your sweet princess!
Great video. Beautiful sweet baby. Mine are all grown up.😊