I'm living paycheck to paycheck but God has been good to me and my children. I pay my tithes and offering faithfully. My bills are always paid. I'm a single mom of three by the way. God is good, I focus on being positive at all times. When it comes to my children I don't care how big the bill is. They health matter more. Better safe then sorry. I like your videos.
I am just like you I never have to borrow money . People come to me to for loans. I also pay my tithes and offering and spent money with common sense. Alway have savings and the Lord has bless me with a 20,000 dollar raise in my salary.
Love this! Thanks for sharing! Dave Ramsey changed my life in my 20s and now (at 39) we are 6 months away from being mortgage free :). You can do this!
we have a place called the great exchange thirty minutes from my house where you can take 25 pieces of clothes/books/jewelry and exchange free for 25. it is a ministry of a church. It has grown hugely. I have taken clothes people give me and took out baby blankets for people or even larger ones and used on my dog's beds which are small canvas cots. I don't even have to buy books anymore and except for underwear and shoes have not purchased clothes for years now and I work in a law firm, not going shabby
I just came across you on RUclips great video. I am a divorced mother of two teenagers just trying to make ends meet. Your ideas are great. it's hard when you paying all the bills on your own.
Debtsuckz Canada Hi! I’m a teenager whos of a working class family, and all my friends are too. We’ve all worked since the age of 14-16, if your kids are of that age, maybe ask them to find a job? Just to help out with the bills, food, clothes, sanitary products, anything! It helps having more than one income :) hope this helps.
You made a ton of excellent points! All very true! Living paycheck to paycheck is very stressful. Having an emergency fund is so important! These are 2 things that I've been preaching for a long time.
I cut my own hair (long hair with layers), dye my own hair, and cut my husband's, 3 sons', and 2 daughters' hair. I have done this for years and it saves so much. I learned to cut my own hair from a RUclips video. Don't be afraid! If it doesn't turn out you can just do pony tails and buns until it grows out!
Wow .. your story is so similar.. I just went thru my last straw but had to do a bankruptcy to get a fresh start ...Im a mom of 4 since 16 I did the same as you! I was so far in debt living off the payments I made on the cards...now I never want to end up like that again, and came across your channel.. Thank you! I am loving your videos!
You are preaching what I have been doing most of my adult life. Now I have a adult daughter that has been observing me and was telling me that it was difficult to say no to invitations... I would like to tell my answer to her. I did ask her to have her friends over and talk about money for real. We would be very surprise to see how stress are these people with nice cars and nice things. I prefer to be able to sleep very well at night than wondering how we will make payments.
Thanks for sharing! Love that curly haired beauty! Cut my cable in 2011, cleared all debt, and credit score jumped! Available credit is massive; in case of emergency use only! One needs to police one's spending; I'm now spending only half my take home pay, and saving the rest. My retirement plan is set as well. This is peace.
I am determined that after I pay off my current car, that I will never have a car payment again, or at least to get a cheap enough car where the payments are only for 1 or 2 years. (Real cheapo junkie lemons can be dangerous) No more of these 5 or 6 year car payment plans though. Done with that!
I wish I had thought of that ! I have a 5 year loan...started last Oct. My auto insurance is much more too~! Trying to figure out how to sell it for what I 'paid' and get a $2000 car.
You are my go-to gal for financial tips! We are completely dept free. My husb. retired in 3/2018. Living frugally is a lifelong process. But, w/ it comes such a peace... TY for yr videos as I so appreciate them. You have such a gentle spirit, Dana. Nancy
Ego control is so important. One of my struggles to making changes has been worrying about appearance and how that stops me from making difficult positive changes.
Another thing you can do, if you have a school of beauty in your town, they usually charge less to let the students cut hair and learn styles (if you're not really picky on how your hair looks...) I usually just put my hair in a bun, but to keep it healthy, I get a trim every 6 months. It's usually half the cost of even the cheaper of salons!
Yes! I like the Aveda schools, because I like their products, you get a nice head massage, and the instructors check in frequently to make sure the students aren't making any huge mistakes (last time I went the students even had to show the instructor a plan before even touching my hair). It took a long time, but I ended up with a good cut!
This is incredible! I somehow falsely assumed that you were frugal most of your life. I have a very similar story and I rewarded myself with a new car when I graduated with my Bachelors at 26. (I graduated later in life). I still have the car and am planning to keep the car another 6 years, if I can! Thankfully I got a large raise 6 months ago, and I've been able to save a lot more this year. I have a $118,000 mortgage and am $72,000 in student loan debt. I've been stretching my money here and there but I know that I can do more, as far as being frugal. Thank you for your videos. I believe you offer practical advice, in a very relatable way. I'm glad I discovered your channel Dana.
Tip. Keep hair simple. Keep it long. Cut ends and fringes when hair is wet and USE DRESS MAKING PINKING SHEARS! Because of the ceration you don't get that awful chopped, straight line look amateurs often get when they use kitchen scissors or hairdressing scissors. The shears mimic the snipping the hairdresser does without the bill. If you want to do simple cuts as per RUclips then pinking shears work for those also. If you use colour for grays buy a wash in six week treatment the same colour as your natural colour. Using cheap dies looks obvious unless it's a close match. This has worked for me for over five years. The hairdressers is an occassional treat not a six weekly money pit. Also study what they do to inform your skills!
Call me negative but a lot of jobs don't pay a lot. Even careers....I think we just put up with whatever something pays but honestly we are worth more. Way more....I don't want a job
Yeah I used to think that then I thought hang on why dont they visit me.....I was always a visitor and chaser until one day I decided not to bother, good decision
@anonymous reviewer yeah, I feel so bad after spending time with my parents and one of my siblings, cause they are so narcissistic and every time together is a big ball of criticism, manipulation, complaints, mocking at me... So I try to stay with them just the very necessary time, it's a matter of mind health.
Don't forget the budget each month. You don't want to wander in you career path and you don't want to wander through you finances without a road map called a budget. Love your video. I used to have the slimmest of budgets, but now after years and years of saving a little each month, I have a pretty good cushion between me and the world...and I still buy 95% of my clothes at the thrift store.
Your "I've had it" story made me tear up. That poor baby. Thank you for sharing! I think it's so important to draw out the "why" for your reasons for being debt free and tie it to something deeper than the money. I'm about halfway through paying off my loans now. I did the same with the new car after college. If you decided to keep it and pay it off, did you refinance at a lower rate to pay off faster?
Rewatching this video now as a reminder 👍 I’m completely debt free. I ended up keeping the car and just paying that off super aggressively. I’m on steps 4-6 now. So the plan definitely works and I can say it’s COMPLETELY worth every ounce of work I put into it and was easily the best goal I’ve ever set for myself.
get a digital antenna to watch TV free. I get 7 free channels. you can look online to see what channels you will get where you live. Also a Clean new plunger in a 5 gallon bucket will wash clothes pretty good.
Yes, its the worse, but dont quit, go slow, in my home my mother, is very stubborn, she dosent want to hear my plan, to pay debts and save money, we have a lot of waste here, and we have discussions about this, i get upset but i have to keep on fighting, its for the greater good, it would make life more easy, in shaa Allah( if Allah wants). Keep going dont stop. I am actually thinking about making a powerpoint presentation explaining how to cut of things and the benefits of it.🤣🤣🤣
Just subscribed. Plant based, and scripture references, you're my kinda peep! lol another one in the bible is "the borrow is servant to the lender" and "owe no man anything but love". I'd rather be His servant than Capitol One lol
I have to tell you, I always have a small vehicle note (300.00 a month with insurance) and I do not find that unreasonable at all. I always buy a program car from the dealer. I start saving immediately for another vehicle even though I keep my vehicles for 10 years usually. I put $4,000 down on this vehicle I bought two years ago. I get the best deal for my money and what will still work best for me and my husband. He would love a truck, but not now (maybe never, lol). If you get a truck, to maintain the gas is much more expensive than a small SUV. You really have to weigh things out for your family.
I got onto Dave about 3 months ago. And the changes I've made already are incredible. I have the 1k emergency fund. I've paid off bigger chunks of debt than i ever have. I don't buy... anything lol, well food and general expenses. Haven't bought clothes, shoes, electronics or anything like that in a few months. It helps to make budgeting a game, to see a graph of last months spending (pocketbook great app) go way wat down has helped. I got a second job weeding people's gardens, I'm not a gardener but it's not hard. I'm now in transition with my full time job and I've had about 4 weeks in the last two months with no work. And if I hadn't of gotten into Dave's book I would be struggling super hard right now. I had an account set up for an extra months rent, and one for emergency... and i haven't had to touch the emergency yay!
my husband and I financed a car almost two years ago. we just about immediately regretted it! thankfully we were able to double our payments and pay off our car a few months ago. now we just have our mortgage. it IS a freeing feeling. it is challenging to live simply, though 🤔
Me too. I've been SUCH a fool. All we can do is leave the past in the past and try to make better choices moving forward. It's never too late to begin again. HUGS! ❤️🙏🏻
As a culture we have to stop giving gifts to everyone for every little occasion. The adults in our family stopped extended gift exchanges years ago, it was just too out of hand and the gift giving holidays were a drudge, so we stopped. Instead we get together, cook awesome meals, and play cards. All enjoyable and way less money. The kids get a few things. My husband and I share our plans for the 2 or 3 items we are getting our son and ask family members to send a check if they feel inclined. Everything over the cost of the gifts goes to the college fund savings account and no one is paying for shipping. We put everyone's name on the "from" portion of the gift lavel.
stop thinking with a commuters brain. live where either you can bike or use public transportation for work etc and drop a car payment and car insurance. it is eco-friendly too.
not being able to make ends meet means income isnt enough.living paycheck to paycheck is just having enough. what your talking about is not managing finances correctly
When we got rid of satellite we bought an antenna and a TiVo OTA it’s nice to have a DVR and from the TiVo I can get Amazon Video as well as all the OTA channels.
Just found your videos and they are very inspiring. Most of you gals might be too young to remember the book, The Tightwad Gazette, (highly recommend it - you can find it at the library, Amazon, or eBay). I learned a lot of really great money saving tips from it but one thing that stood out was investment purchases, purchases that save you money in the long run, such as a particular tool or appliance that will save you money. You mentioned in one video about hanging your clothes on the line. Not only does it save on your utility bill, but the clothes smell wonderful and they last much longer.
we didn't live paycheck to paycheck but we're trying to save money. I'm so happy to heard this video.its gave me ideas how important to saved money thank you so so so much!
My god girl, you have 4 kids and not a dime in your pocket. But you had tons of debt. Listening about your sick child made me cry and it's not even my kid. Thank god you decided to do something else.
I love this series you're doing! Loved hearing your financial story. I destroyed my credit as a young single Mom. It was good in a way because it forced me to pay cash for everything and I have never had a credit card. I can't rent a car but I can't think of anything else that I have needed a credit card for.
I buy birthday and other gifts in the last week of December. The prices are great and I don't buy something outrageous in a rush to buy a needed gift later.
Hey be as frugal as you want but not to visit your folk is wrong,they may miss you and they not getting to spend realtime with your kids.thats not fair of you to make that decision for your kids they have a right to see their family lots, ,you can't weap at someones funeral and think you going to miss them and all along you cut visits down to bare ròots when they alive,you only got one family dont put them on the frugal list,cut netflix off instead that more frugal
I tend to agree with you. Now, balance is everything. My parents lived four to six hours away. I visited at least once a month. Now, if you live states away, obviously impossible to visit as often.
My debts are my monthly bills, I've saved on electric I'm thinking about turning off my gas as it'll save me something . I've cut cable but money goes straight to other bills so I don't save anything
Im 67 & i want to work from home. I dint have cable but i do need a car & am tired of catching the bus everywhere. But thankful i can. But winters comung & i need a RELIABLE car but no debt.
New subbie, I'm learning so much thank you Dana💖I'm 48 single mom of a teen son. No house or car payment. I have always lived frugally but tired living paycheck to paycheck...I really like to own a small house, my dream.
love your video...thats my goal not to live from paycheck to paycheck...so much stress in my life i have to make a change thanks for all the positive info
TRUTH - we know these things but we don't do them ... I've been watching your channel to try to spark some action in myself, I know the right thing to eat or spend money on but the gap between knowing and doing is so wide for me
This video makes me cry everytime when you are talking about son. You can tell you are a great mom! Debt makes our decision making poor. I too have made bad mistakes due to debt decisions.
Credit card companies are a scam. They always say build your credit up. But when you do you are in debt. More like build your debt up. Dump the cards use cash.
that's true if you have no self control. If you buy what you're gonna buy anyway with them instead of cash, you can enjoy the rewards and you're no worse off. Groceries, gas, utilities. Payable with credit cards. Pay the bill in full every month.
God bless our NHS, it may have it's shortcomings but I have never had to think twice about getting medical attention due to money for my children, me or anyone else. I know that wasn't really the point you were making but it just brought that up for me. I am enjoying watching your videos, they are motivating me to get more control over my finances ☺
You also make less money on your paycheck because you are paying for someone else's responsibility in regard to health. She could have went to her local ER which was closer. NO ONE would have turned her away because of her inability to pay. It is illegal to do so. The Urgent Care Clinic she went to was probably privately owned by a doctor's group which can deny care if not affiliated with a hospital. As for the 80.00, she could have paid it or waited to pay it ten years from the date, wouldn't have mattered. So no, I don't want to pay for anyone else. My taxes are high enough.
Thanks Sis for that eye-opening talk abt debt. I have cut back myself & am paying off bills & learning how to save again. I like the way you deliver the message. No if &'s or buts abt it. Thank God for you & Dave Ramsay.
i have cut hair for my kids and my husband for nearly 18 years to 20 years AND... I even cut my own hair.:-) I cloth diapered, breastfed my babies and now even use the clothes line to save on electricity by not using the drier.
Just subscribed!♡ You meantioned the part about career wandering, I did that for quite a while I really didn't know what I wanted to do. But anyways thank you for sharing your story.
Your honesty is sobering. People need to hear that it's going to be painful. Great vid
I'm living paycheck to paycheck but God has been good to me and my children. I pay my tithes and offering faithfully. My bills are always paid. I'm a single mom of three by the way. God is good, I focus on being positive at all times. When it comes to my children I don't care how big the bill is. They health matter more. Better safe then sorry. I like your videos.
I am just like you I never have to borrow money . People come to me to for loans. I also pay my tithes and offering and spent money with common sense. Alway have savings and the Lord has bless me with a 20,000 dollar raise in my salary.
Love this! Thanks for sharing! Dave Ramsey changed my life in my 20s and now (at 39) we are 6 months away from being mortgage free :). You can do this!
Naomi Talking Money wow congratulations i hope to pay off my mortgage early as well
Naomi Talking Money awesome!
So are you mortgage free now? It has been a year.
58 thumbs down are all credit card companies. Very good video!
I really wonder where the thumbs down come on these videos.
we have a place called the great exchange thirty minutes from my house where you can take 25 pieces of clothes/books/jewelry and exchange free for 25. it is a ministry of a church. It has grown hugely. I have taken clothes people give me and took out baby blankets for people or even larger ones and used on my dog's beds which are small canvas cots. I don't even have to buy books anymore and except for underwear and shoes have not purchased clothes for years now and I work in a law firm, not going shabby
I just came across you on RUclips great video. I am a divorced mother of two teenagers just trying to make ends meet. Your ideas are great. it's hard when you paying all the bills on your own.
+Debt Suckz HUGS! I was raised by a single mom and I remember vividly how hard it was for her to make ends meet. ❤️
Debtsuckz Canada Hi! I’m a teenager whos of a working class family, and all my friends are too. We’ve all worked since the age of 14-16, if your kids are of that age, maybe ask them to find a job? Just to help out with the bills, food, clothes, sanitary products, anything! It helps having more than one income :) hope this helps.
Be frugal on material things but not life. Be frugal but not a fool.
That is why I buy the best food and eat healthy. Health is so important especially during this cov 19 crisis.
You made a ton of excellent points! All very true! Living paycheck to paycheck is very stressful. Having an emergency fund is so important! These are 2 things that I've been preaching for a long time.
+AmbersFamilyof4 Some of us just need to hear it 100 times before it sinks in. LOL! ❤️
I cut my own hair (long hair with layers), dye my own hair, and cut my husband's, 3 sons', and 2 daughters' hair. I have done this for years and it saves so much. I learned to cut my own hair from a RUclips video. Don't be afraid! If it doesn't turn out you can just do pony tails and buns until it grows out!
Love this! We do the same at our home❤️
Your story is my story. Finally starting to wake up. It feels so overwhelming but I don't want to live in the cycle of debt anymore!
HUGS! You aren't alone. ❤️
I sell health insurance, that part made me cry.
Wow .. your story is so similar.. I just went thru my last straw but had to do a bankruptcy to get a fresh start ...Im a mom of 4 since 16 I did the same as you! I was so far in debt living off the payments I made on the cards...now I never want to end up like that again, and came across your channel.. Thank you! I am loving your videos!
You are preaching what I have been doing most of my adult life. Now I have a adult daughter that has been observing me and was telling me that it was difficult to say no to invitations... I would like to tell my answer to her. I did ask her to have her friends over and talk about money for real. We would be very surprise to see how stress are these people with nice cars and nice things. I prefer to be able to sleep very well at night than wondering how we will make payments.
Thanks for sharing! Love that curly haired beauty!
Cut my cable in 2011, cleared all debt, and credit score jumped! Available credit is massive; in case of emergency use only! One needs to police one's spending; I'm now spending only half my take home pay, and saving the rest. My retirement plan is set as well. This is peace.
I needed to hear this, from a real working person and not some millionaire internet star...subbed.
I am determined that after I pay off my current car, that I will never have a car payment again, or at least to get a cheap enough car where the payments are only for 1 or 2 years. (Real cheapo junkie lemons can be dangerous) No more of these 5 or 6 year car payment plans though. Done with that!
I wish I had thought of that ! I have a 5 year loan...started last Oct. My auto insurance is much more too~! Trying to figure out how to sell it for what I 'paid' and get a $2000 car.
I feel the same. I don’t ever want to pay a 5 year car payment again.
Just found you this morning, loving your vids. that's called hitting rock bottom. love your honesty. hugs!
You are my go-to gal for financial tips! We are completely dept free. My husb. retired in 3/2018. Living frugally is a lifelong process. But, w/ it comes such a peace... TY for yr videos as I so appreciate them. You have such a gentle spirit, Dana. Nancy
Omg this hits home😢been in your situation. We also said enough of this nonsense of living paycheck to paycheck.
Ego control is so important. One of my struggles to making changes has been worrying about appearance and how that stops me from making difficult positive changes.
Another thing you can do, if you have a school of beauty in your town, they usually charge less to let the students cut hair and learn styles (if you're not really picky on how your hair looks...) I usually just put my hair in a bun, but to keep it healthy, I get a trim every 6 months. It's usually half the cost of even the cheaper of salons!
Amanda Mac I do this too!
Yes! I like the Aveda schools, because I like their products, you get a nice head massage, and the instructors check in frequently to make sure the students aren't making any huge mistakes (last time I went the students even had to show the instructor a plan before even touching my hair). It took a long time, but I ended up with a good cut!
This is incredible! I somehow falsely assumed that you were frugal most of your life. I have a very similar story and I rewarded myself with a new car when I graduated with my Bachelors at 26. (I graduated later in life). I still have the car and am planning to keep the car another 6 years, if I can! Thankfully I got a large raise 6 months ago, and I've been able to save a lot more this year. I have a $118,000 mortgage and am $72,000 in student loan debt.
I've been stretching my money here and there but I know that I can do more, as far as being frugal. Thank you for your videos. I believe you offer practical advice, in a very relatable way. I'm glad I discovered your channel Dana.
Tip. Keep hair simple. Keep it long. Cut ends and fringes when hair is wet and USE DRESS MAKING PINKING SHEARS! Because of the ceration you don't get that awful chopped, straight line look amateurs often get when they use kitchen scissors or hairdressing scissors. The shears mimic the snipping the hairdresser does without the bill. If you want to do simple cuts as per RUclips then pinking shears work for those also.
If you use colour for grays buy a wash in six week treatment the same colour as your natural colour. Using cheap dies looks obvious unless it's a close match. This has worked for me for over five years. The hairdressers is an occassional treat not a six weekly money pit. Also study what they do to inform your skills!
Wow. Tear jerker story with your son. I've totally been there too.
What beautiful curls that child has!
Call me negative but a lot of jobs don't pay a lot. Even careers....I think we just put up with whatever something pays but honestly we are worth more. Way more....I don't want a job
Family is more important than money.... Visit your Mom! I regret so much not visiting my Mother saving gas then and now that she has died!
I totally agree no matter how much gas costs I will always try to go see my family every weekend.
Yeah I used to think that then I thought hang on why dont they visit me.....I was always a visitor and chaser until one day I decided not to bother, good decision
that is sooo sad.
@anonymous reviewer yeah, I feel so bad after spending time with my parents and one of my siblings, cause they are so narcissistic and every time together is a big ball of criticism, manipulation, complaints, mocking at me... So I try to stay with them just the very necessary time, it's a matter of mind health.
I agree family more important 💖
Live life to the fullest. When you're dead it's over!
Don't forget the budget each month. You don't want to wander in you career path and you don't want to wander through you finances without a road map called a budget. Love your video. I used to have the slimmest of budgets, but now after years and years of saving a little each month, I have a pretty good cushion between me and the world...and I still buy 95% of my clothes at the thrift store.
I love every suggestion you've made. Life is too short, folks need to live & enjoy life - not struggle to get through it. Keep doing and sharing🤗
And my God will supply every need of yours according to his riches in glory in Christ Jesus.
Your "I've had it" story made me tear up. That poor baby. Thank you for sharing! I think it's so important to draw out the "why" for your reasons for being debt free and tie it to something deeper than the money. I'm about halfway through paying off my loans now. I did the same with the new car after college. If you decided to keep it and pay it off, did you refinance at a lower rate to pay off faster?
Rewatching this video now as a reminder 👍 I’m completely debt free. I ended up keeping the car and just paying that off super aggressively. I’m on steps 4-6 now. So the plan definitely works and I can say it’s COMPLETELY worth every ounce of work I put into it and was easily the best goal I’ve ever set for myself.
I rented out the second bedroom , i.e. Got a roommate, in my rented place.
get a digital antenna to watch TV free. I get 7 free channels. you can look online to see what channels you will get where you live. Also a Clean new plunger in a 5 gallon bucket will wash clothes pretty good.
By the way, I like the style of your videos. Very nice.
Also Give your 10 percent to Jesus Christ before you pay anything always put God frist
I shop year round clearance for gifts xmas it saves lot money I grew up so poor I know how shop
Peggy Ghirardello. That’s what I do. I look for bargains all year round; pick up what’s on sale and put it aside for when I need it!
All of this is wonderful advice. Its spot on. But when your partner isnt on board, all the great advice in the world doesnt help. So depressing.
Yes, its the worse, but dont quit, go slow, in my home my mother, is very stubborn, she dosent want to hear my plan, to pay debts and save money, we have a lot of waste here, and we have discussions about this, i get upset but i have to keep on fighting, its for the greater good, it would make life more easy, in shaa Allah( if Allah wants). Keep going dont stop. I am actually thinking about making a powerpoint presentation explaining how to cut of things and the benefits of it.🤣🤣🤣
OMG What a beautiful baby 😃
Just subscribed. Plant based, and scripture references, you're my kinda peep! lol another one in the bible is "the borrow is servant to the lender" and "owe no man anything but love". I'd rather be His servant than Capitol One lol
love love love this!! i just faced my debt the other day😕...scary it is!! Its so hard to live below your means!!
+ashleyplus3 Good job!!! That was the worst part in my opinion. Facing it! 👍🏻💖
Train for a new job immediately I not sooner kitten and become a cat lol x
watch bank charges as well....
I like how down to earth you are and how simple you explain things. Just started watching you!
borrower is slave to the lender
I have to tell you, I always have a small vehicle note (300.00 a month with insurance) and I do not find that unreasonable at all. I always buy a program car from the dealer. I start saving immediately for another vehicle even though I keep my vehicles for 10 years usually. I put $4,000 down on this vehicle I bought two years ago. I get the best deal for my money and what will still work best for me and my husband. He would love a truck, but not now (maybe never, lol). If you get a truck, to maintain the gas is much more expensive than a small SUV. You really have to weigh things out for your family.
I love this!!! second income is a very good idea.
I got onto Dave about 3 months ago. And the changes I've made already are incredible. I have the 1k emergency fund. I've paid off bigger chunks of debt than i ever have. I don't buy... anything lol, well food and general expenses. Haven't bought clothes, shoes, electronics or anything like that in a few months. It helps to make budgeting a game, to see a graph of last months spending (pocketbook great app) go way wat down has helped.
I got a second job weeding people's gardens, I'm not a gardener but it's not hard.
I'm now in transition with my full time job and I've had about 4 weeks in the last two months with no work. And if I hadn't of gotten into Dave's book I would be struggling super hard right now. I had an account set up for an extra months rent, and one for emergency... and i haven't had to touch the emergency yay!
I love your idea of being a weeder for other's gardens. I could do that!!!
I would like to weed people's gardens too....can you let me know how you managed to get clients? Your hours and other details? Thanks so much!
Incredible ideas, saving money exites me a lot. Who is this dave? and whats the name of the book?
How did you get a credit card at 16?
Her parents would have had to sign for her! Banks don't give credit cards to kids.
I buy bulk from Costco in regards to paper towels. Cloth towels still have to be washed, which adds to your water bill.
RB Colbert not if you put them in with your normal loads. the cloth method is also more eco friendly.
my husband and I financed a car almost two years ago. we just about immediately regretted it! thankfully we were able to double our payments and pay off our car a few months ago. now we just have our mortgage. it IS a freeing feeling. it is challenging to live simply, though 🤔
Love your videos. The bible says borrowing money makes you a fool. I'm such a fool. I'll get there
Me too. I've been SUCH a fool. All we can do is leave the past in the past and try to make better choices moving forward. It's never too late to begin again. HUGS! ❤️🙏🏻
As a culture we have to stop giving gifts to everyone for every little occasion. The adults in our family stopped extended gift exchanges years ago, it was just too out of hand and the gift giving holidays were a drudge, so we stopped. Instead we get together, cook awesome meals, and play cards. All enjoyable and way less money. The kids get a few things. My husband and I share our plans for the 2 or 3 items we are getting our son and ask family members to send a check if they feel inclined. Everything over the cost of the gifts goes to the college fund savings account and no one is paying for shipping. We put everyone's name on the "from" portion of the gift lavel.
stop thinking with a commuters brain. live where either you can bike or use public transportation for work etc and drop a car payment and car insurance. it is eco-friendly too.
I was waiting to see her face when her blond hair showed up lol
not being able to make ends meet means income isnt enough.living paycheck to paycheck is just having enough. what your talking about is not managing finances correctly
Awesome video! Little bit at a time I'm in the between trying to get out of debt I'm paying off my cards and loans 👍🏻 the advice is amazing!
+MaRii170212 You got this! 👊🏻✨
When we got rid of satellite we bought an antenna and a TiVo OTA it’s nice to have a DVR and from the TiVo I can get Amazon Video as well as all the OTA channels.
Adversity leads to greatness when you really tap into it! Way to go Dana!!! 💪🏁
Just found your videos and they are very inspiring. Most of you gals might be too young to remember the book, The Tightwad Gazette, (highly recommend it - you can find it at the library, Amazon, or eBay). I learned a lot of really great money saving tips from it but one thing that stood out was investment purchases, purchases that save you money in the long run, such as a particular tool or appliance that will save you money. You mentioned in one video about hanging your clothes on the line. Not only does it save on your utility bill, but the clothes smell wonderful and they last much longer.
I loved The Tightwad Gazette! I used to get her newsletters. Good to know her books are still around.
Wow, Urgent Care is brutal. And yes the Bible is awesome if your willing to put forth the effort to study it for understanding.
How can you cut cost when you already live by the basics
Miss you Dana 🙏🙂
Don't forget to build passive income streams (semi-passive). You only have so many hours you can trade for dollars to earn.
Greay video Dana! Such an important topic.
The best way to keep money in your pocket it's not having babies .
we didn't live paycheck to paycheck but we're trying to save money. I'm so happy to heard this video.its gave me ideas how important to saved money thank you so so so much!
My god girl, you have 4 kids and not a dime in your pocket. But you had tons of debt. Listening about your sick child made me cry and it's not even my kid. Thank god you decided to do something else.
Hi Dana are you no longer doing videos? Hope everything is ok x
Thank u so much for your channel. I love it. I'm a new subscriber. I needed to hear this.
I love this series you're doing! Loved hearing your financial story. I destroyed my credit as a young single Mom. It was good in a way because it forced me to pay cash for everything and I have never had a credit card. I can't rent a car but I can't think of anything else that I have needed a credit card for.
I buy birthday and other gifts in the last week of December. The prices are great and I don't buy something outrageous in a rush to buy a needed gift later.
I have one of my friends cut my hair. Even at Super Cuts, it still costs me about $30 for a cut
Hey be as frugal as you want but not to visit your folk is wrong,they may miss you and they not getting to spend realtime with your kids.thats not fair of you to make that decision for your kids they have a right to see their family lots, ,you can't weap at someones funeral and think you going to miss them and all along you cut visits down to bare ròots when they alive,you only got one family dont put them on the frugal list,cut netflix off instead that more frugal
I tend to agree with you. Now, balance is everything. My parents lived four to six hours away. I visited at least once a month. Now, if you live states away, obviously impossible to visit as often.
Great video. Going to check out Dave Ramsey too. Don't skimp on ER visits or visiting your mother.
I really miss your videos- I hope you’re okay!
Hey Dana, what was your major in collage? I like your energy:) Thanks
Scary what happened with your Son, glad it turned out ok.God continue to bless your family.
look at them beautiful curls on your girl...so stinkin cute
So basically live like the Amish folks
My debts are my monthly bills, I've saved on electric I'm thinking about turning off my gas as it'll save me something . I've cut cable but money goes straight to other bills so I don't save anything
This is very helpful advice :)
I love your videos!!! Thank you so much!!!❤❤❤
I love listening to you. These videos have helped me tremendously.
Im 67 & i want to work from home. I dint have cable but i do need a car & am tired of catching the bus everywhere. But thankful i can. But winters comung & i need a RELIABLE car but no debt.
New subbie, I'm learning so much thank you Dana💖I'm 48 single mom of a teen son. No house or car payment. I have always lived frugally but tired living paycheck to paycheck...I really like to own a small house, my dream.
I love your sincerity and honesty, thank you for sharing.
Big up the Subaru's lol
Love this video! Thanks for sharing Dana!
love your video...thats my goal not to live from paycheck to paycheck...so much stress in my life i have to make a change thanks for all the positive info
TRUTH - we know these things but we don't do them ... I've been watching your channel to try to spark some action in myself, I know the right thing to eat or spend money on but the gap between knowing and doing is so wide for me
I'm washing clothes in the sink and hanging them up to dry. Much cheaper.
This video makes me cry everytime when you are talking about son. You can tell you are a great mom! Debt makes our decision making poor. I too have made bad mistakes due to debt decisions.
paycheck to paycheck sucks.
Credit card companies are a scam. They always say build your credit up. But when you do you are in debt. More like build your debt up. Dump the cards use cash.
that's true if you have no self control. If you buy what you're gonna buy anyway with them instead of cash, you can enjoy the rewards and you're no worse off.
Groceries, gas, utilities. Payable with credit cards. Pay the bill in full every month.
God bless our NHS, it may have it's shortcomings but I have never had to think twice about getting medical attention due to money for my children, me or anyone else. I know that wasn't really the point you were making but it just brought that up for me.
I am enjoying watching your videos, they are motivating me to get more control over my finances ☺
You also make less money on your paycheck because you are paying for someone else's responsibility in regard to health. She could have went to her local ER which was closer. NO ONE would have turned her away because of her inability to pay. It is illegal to do so. The Urgent Care Clinic she went to was probably privately owned by a doctor's group which can deny care if not affiliated with a hospital. As for the 80.00, she could have paid it or waited to pay it ten years from the date, wouldn't have mattered. So no, I don't want to pay for anyone else. My taxes are high enough.
Wow..is like listening to my own story..almost lot my house back in 2008. But got a second chance and cut on everything..Now I own my house.
Thank you!! I am so excited to be sent free and have SAVINGS!! 👍😄😎
Hits home when it comes from a real person & not a millionaire. Great video!! Thank you👍🏻
I miss you Dana !
Thanks Sis for that eye-opening talk abt debt. I have cut back myself & am paying off bills & learning how to save again. I like the way you deliver the message. No if &'s or buts abt it. Thank God for you & Dave Ramsay.
i have cut hair for my kids and my husband for nearly 18 years to 20 years AND... I even cut my own hair.:-) I cloth diapered, breastfed my babies and now even use the clothes line to save on electricity by not using the drier.
Just subscribed!♡ You meantioned the part about career wandering, I did that for quite a while I really didn't know what I wanted to do. But anyways thank you for sharing your story.