I keep trying and something always make me clean out savings. Just last night had to empty all I have saved for a hot water heater. Gets discouraging but at least I had the cash and did not need to use a credit card. But now I am starting over again.
@GillianBudgets20203 thank you. I am starting over on Thursday when I get paid. I do my savings as a bi weekly bill and budget $200 a paycheck towards savings. One day I will be able to reach the 1000 for emergencies and then move on to the next step. So close so many times!
I love how you edit these videos😂😂 i appreciate the comic relief. Because it can be an overwhelming topic to discuss. I’m so happy I found your channel. I’m looking forward to completely changing my financial standing as well as how I view money in 2024 🎉 cheers 🎉 thank you!❤
I’m so glad you found us, too! I enjoy editing so much. Some days I don’t have time to get them as good as I’d like but I try! 💛 2024 is going to be the year for a lot of people, I think. I feel like we are all SO aware now of the cost of everything and that we need to watch our money more. It’s time!
I appreciate you putting this video out. I have completed my $1000 emergency fund but did not know where to begin and how to proceed with my debt pay off. Thank you❤❤❤❤
Congrats!! You’re doing the hard part- staying OUT of debt! Good job! I am a little obsessed with Dave Ramsey at this point- been so life changing for me. I love listening to his advice, too. It really keeps me on track. 🙌💛✨
Wow Jenn! This is really fantastic information, and at a VERY reasonable price, especially with all the freebies you have available in the description box. I wish I had had this when I started out also. Even though I am out of debt, including mortgage, I still use some of your freebie games to save in my challenge binder. Thank you for your generosity, time, and encouragement. 24:26
Just wanted to share that I’ve been following since June/July of 2023. By following these tips I am happy to say that I am well on in my way in this journey to be coming debt FREE! I am proud to say that I am making a $1,000.00 dollar payment to a credit card this month just by using savings challenges! Thank you for all that you do within this community! BLESSED to have found this community!
Great video as always Jen! I have had to hit my emergency fund twice and I hate it! I figured up my debt last night and including student loans I am just under 50k. Now keep in mind that doesn’t include my car because my husband bought that under his name because at the time my credit was horrible from a bankruptcy after divorcing the jerk I married the first time. I bought myself a budget planner, but after any tries at this I have learned that I need the layout and information it provides. I am going avalanche this round as snowball has not worked for me in the past. Plus I have some ridiculously high interest rates on loans and cards and want them gone ASAP. Throw into the mix that I am also between jobs and not expecting a paycheck until November 22nd or 23rd at the earliest and…. yea. That is dependent on everything coming back this week so I can get into orientation on Monday. Times are hard at the moment, but I have faith in myself and am armed with the knowledge I gain from these videos. Keep them coming. While I like the cash stuffing and challenge ones I find these a lot more helpful to me.
I am proud of you for having an emergency fund to dip into ! I have been through two divorces and my credit was destroyed with my first one. That kept me down for years. I totally understand doing avalanche method- math is math. Not everyone needs the “quick wins”. If you are determined- you will keep pushing. I know I’ve had so many times in my life where I have said - enough is enough. Those are the moments of time I look back on now and think to myself, “ Dang Jenn- you a beast!” 🤣🤣 We all have it in us- you’ll get through that debt and be so proud! 💛💛💛
I have gone back and re watched this video and your budget set up ones as I am fairly new to saving challenges and cash stuffing. But, I have to say I appreciate you sharing information as it has me re-thinking this process for 2024. Again thanks 😃
I’m so glad to hear that! I have something coming up for budgeting in the next week or so. Keep an eye out! We know everyone is looking for new ideas- so April & I have been brainstorming! 💛💛💛
Tomorrow is my next paycheck and that begins my strict no spend month. Wanting to get the 1000 savings by the end of the year. I can do it! No more weird decor and no more eating out. 😅 My wife is going through our stuff and listing unnecessary things to liquidate 😢 I trust her but I'm worried the house will feel empty 😂
So funny that you commented this - I was just looking around and thinking - some of this crap needs to GO! You’ll feel better, believe me! I’m also still looking for ways to cut back. I’m to the point where I don’t want to spend a dime … on anything! 🤣
@@2SisterBees my wife is like that she tells me DO WE REALLY NEED THAT and will show me what she thinks can replace something. This gets to the point she will sew up holes in her walmart sweatpants which are only 8 dollars but she says unless she's flashing the neighbors in threads she will continue to mend them. She does not even ask for jewelry for Christmas. She has "green" kitchen sponges on her Christmas list as well as silicone snack bags. Holy moly 😂
I'm at $625 in my emergency savings. I want to save at least $2k because this year has proven to me $1k is not enough. We had plumbing and car issues this year and spent about $2,600 alone. At least we had the money, but we need to replenish.
I hear that. It’s scary, right? We’ve been conditioned to believe we can’t do without it. Give $ to banks - need it. Keep your cash - don’t need it. There are certainly adjustments but I’m already seeing the difference now that we are debt free. I still can’t believe the amount I was sending out monthly for debt payments. 🤦♀️ As you go through the process, your thinking changes. It will become clearer as you progress. Don’t be worried - keep moving in the RIGHT direction for you! 💛
@@2SisterBees and don't think I don't love your videos! I just realized I hadn't seen her in a bit. You're welcome. I've even enjoyed your hubby moments. Y'all are cute.
The links for everything mentioned in the video is in the description. 💛 Anything that is a free-bee is here: drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr And the No Spend for 2024 is here: www.etsy.com/listing/1575712748/no-spend-2024-annual-tracker-full-year Hope this helps! ✨🐝💛
I love this thank you so much for sharing. I went to get the complete steps but it keeps saying that it's not available. Will you make it available again soon?
I am so glad that you mentioned this to me- I recently updated the packet and I should have updated the link on this video: www.etsy.com/listing/1714969150/ Kind regards 💛
@@2SisterBees Thank you for sharing the link with me. I know that this will really help me a lot. I love all of your and your sisters videos they are so helpful!! ❤️
I have my goals ready once my 100 envelope challenge gets here and my 1000 challenge binder also gets here. I am planning short term goals and long term goals as my husband and I are 65 and 60. Long term is buy a home and use 5050 to pay off home. First 5050 pay off credit card debt.❤
Cars and student loans are all part of beby step 2. All debt except house. Then in baby step 6- you work on paying off the house. All that cash you were sending to debt can now go towards the principle payments.
I keep trying and something always make me clean out savings. Just last night had to empty all I have saved for a hot water heater. Gets discouraging but at least I had the cash and did not need to use a credit card. But now I am starting over again.
Don't get discouraged... At least you didn't put yourself in debt.. Keep going... You got this
You are right at least you had the money. I'm in the same boat. We kept getting hit with car repairs...$2k 😮 Starting all over.
@GillianBudgets20203 thank you. I am starting over on Thursday when I get paid. I do my savings as a bi weekly bill and budget $200 a paycheck towards savings. One day I will be able to reach the 1000 for emergencies and then move on to the next step. So close so many times!
@@brandi1719 that is all we can do is just keep starting over.
This happens to me too. Nature abhors a full wallet 😂
I love how you edit these videos😂😂
i appreciate the comic relief. Because it can be an overwhelming topic to discuss. I’m so happy I found your channel. I’m looking forward to completely changing my financial standing as well as how I view money in 2024 🎉 cheers 🎉 thank you!❤
I’m so glad you found us, too! I enjoy editing so much. Some days I don’t have time to get them as good as I’d like but I try! 💛
2024 is going to be the year for a lot of people, I think.
I feel like we are all SO aware now of the cost of everything and that we need to watch our money more. It’s time!
I appreciate you putting this video out. I have completed my $1000 emergency fund but did not know where to begin and how to proceed with my debt pay off. Thank you❤❤❤❤
We didn’t use this method as I never heard of Dave Ramsey, but I used a lot of his ideas. We’re debt free now two years!
Congrats!! You’re doing the hard part- staying OUT of debt! Good job!
I am a little obsessed with Dave Ramsey at this point- been so life changing for me. I love listening to his advice, too. It really keeps me on track. 🙌💛✨
Jenn you’re inspirational . I have been budgeting since I signed on your channel and it’s been rough but I know one day I will be debt free.❤
Yes! It’s inevitable if the consistency is there. You WILL be debt free! 🙌
Thank you for sharing your journey and the freebies as well. Sounds like a great price for the other items. Much appreciated.🧡💛🍁
Wow Jenn! This is really fantastic information, and at a VERY reasonable price, especially with all the freebies you have available in the description box. I wish I had had this when I started out also. Even though I am out of debt, including mortgage, I still use some of your freebie games to save in my challenge binder. Thank you for your generosity, time, and encouragement. 24:26
Just wanted to share that I’ve been following since June/July of 2023. By following these tips I am happy to say that I am well on in my way in this journey to be coming debt FREE! I am proud to say that I am making a $1,000.00 dollar payment to a credit card this month just by using savings challenges! Thank you for all that you do within this community! BLESSED to have found this community!
That is so awesome!!!! Great job!! I am so so so happy to hear the progress! 💛💛💛
Wow 500k in debt!? That’s amazing you completed it! I live by the snowball method here!
It’s the best ! It just works! 🙌
Thank you, Jenn for sharing! I needed a boost to get back on track and you have provided one! Thanks again!
You are so entertaining Jenn 🥰
Thank you!!! 💛💛💛
Really great information ❤
I hope it helps! 💛✨🐝
Great video as always Jen! I have had to hit my emergency fund twice and I hate it! I figured up my debt last night and including student loans I am just under 50k. Now keep in mind that doesn’t include my car because my husband bought that under his name because at the time my credit was horrible from a bankruptcy after divorcing the jerk I married the first time. I bought myself a budget planner, but after any tries at this I have learned that I need the layout and information it provides. I am going avalanche this round as snowball has not worked for me in the past. Plus I have some ridiculously high interest rates on loans and cards and want them gone ASAP. Throw into the mix that I am also between jobs and not expecting a paycheck until November 22nd or 23rd at the earliest and…. yea. That is dependent on everything coming back this week so I can get into orientation on Monday. Times are hard at the moment, but I have faith in myself and am armed with the knowledge I gain from these videos. Keep them coming. While I like the cash stuffing and challenge ones I find these a lot more helpful to me.
I am proud of you for having an emergency fund to dip into !
I have been through two divorces and my credit was destroyed with my first one. That kept me down for years.
I totally understand doing avalanche method- math is math. Not everyone needs the “quick wins”.
If you are determined- you will keep pushing. I know I’ve had so many times in my life where I have said - enough is enough. Those are the moments of time I look back on now and think to myself, “ Dang Jenn- you a beast!” 🤣🤣
We all have it in us- you’ll get through that debt and be so proud! 💛💛💛
Good evening Jenn. Great information Jenn on how to get out of debt.
Hey Jen, this book is awesome. Such a great supplement to a budget planner. Great job and offering at a very great price.
Thanks so much! 💛💛💛
I have gone back and re watched this video and your budget set up ones as I am fairly new to saving challenges and cash stuffing. But, I have to say I appreciate you sharing information as it has me re-thinking this process for 2024. Again thanks 😃
I’m so glad to hear that! I have something coming up for budgeting in the next week or so. Keep an eye out!
We know everyone is looking for new ideas- so April & I have been brainstorming! 💛💛💛
Thanks Jenn! Very helpful! I am on track 😊
You got this! 💛💛💛
I just download this and the 14 day challenge and following along to keep me on track😂
I really like that 14 day challenge. They say the average amount that people find is close to $400! 🙌
Tomorrow is my next paycheck and that begins my strict no spend month. Wanting to get the 1000 savings by the end of the year. I can do it! No more weird decor and no more eating out. 😅 My wife is going through our stuff and listing unnecessary things to liquidate 😢 I trust her but I'm worried the house will feel empty 😂
So funny that you commented this - I was just looking around and thinking - some of this crap needs to GO! You’ll feel better, believe me! I’m also still looking for ways to cut back. I’m to the point where I don’t want to spend a dime … on anything! 🤣
@@2SisterBees my wife is like that she tells me DO WE REALLY NEED THAT and will show me what she thinks can replace something. This gets to the point she will sew up holes in her walmart sweatpants which are only 8 dollars but she says unless she's flashing the neighbors in threads she will continue to mend them. She does not even ask for jewelry for Christmas. She has "green" kitchen sponges on her Christmas list as well as silicone snack bags. Holy moly 😂
Happy halloween 🎃
I'm at $625 in my emergency savings. I want to save at least $2k because this year has proven to me $1k is not enough. We had plumbing and car issues this year and spent about $2,600 alone. At least we had the money, but we need to replenish.
Great video Jen! Thanks for all the information. I just started working a second job to pay off my debt. Now I know where to begin!
Good for you!! I love hearing that you are doing the hard things ! Be proud of yourself! 💛💛💛
Thank you much for this encouragement. It definitely gets hard some days as you said but I am trying my hardest to get that emergency fund together.
Keep going! I bet you’ve made progress since you commented this! 🙌
❤ good evening how are you doing today ❤
Hi Jenn! It’s in my shopping cart!
Awesome! I think it could be a big help to you guys! 💛
I am on baby step #2. I started in July. I'm struggling with the thought of eventually letting my credit score go to 0.
I hear that. It’s scary, right? We’ve been conditioned to believe we can’t do without it.
Give $ to banks - need it.
Keep your cash - don’t need it.
There are certainly adjustments but I’m already seeing the difference now that we are debt free. I still can’t believe the amount I was sending out monthly for debt payments. 🤦♀️
As you go through the process, your thinking changes. It will become clearer as you progress. Don’t be worried - keep moving in the RIGHT direction for you! 💛
You need to go to Ramsey Studio and do a big debt free scream!
If he was on the west coast, I’d have already been there!! 🤣
Love. Idk how to write out all my thoughts quick enough. Thank you. Hope your sis is ok.
She is great- thanks for asking! BOLO for a video from her!! 🙌
@@2SisterBees and don't think I don't love your videos! I just realized I hadn't seen her in a bit. You're welcome. I've even enjoyed your hubby moments. Y'all are cute.
Liked the video. Very honest and frank. Could you provide the $1000. Emergency SC, and the 2024 No Spend Calendar that you showed on this segment?
The links for everything mentioned in the video is in the description. 💛
Anything that is a free-bee is here:
drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr
And the No Spend for 2024 is here:
www.etsy.com/listing/1575712748/no-spend-2024-annual-tracker-full-year
Hope this helps! ✨🐝💛
Great video, Jenn. I have shared with my daughter.❤❤❤
Awesome! I hope it helps ! 💛💛💛
I love this thank you so much for sharing. I went to get the complete steps but it keeps saying that it's not available. Will you make it available again soon?
I am so glad that you mentioned this to me- I recently updated the packet and I should have updated the link on this video:
www.etsy.com/listing/1714969150/
Kind regards
💛
@@2SisterBees Thank you for sharing the link with me. I know that this will really help me a lot. I love all of your and your sisters videos they are so helpful!! ❤️
Wow😀
Hi I was trying to get your downloads but I keep getting an error message.
Is your mortgage included in the debt? Or does step 2 just mean all debt aside from your mortgage
No mortgage - that’s later
I have my goals ready once my 100 envelope challenge gets here and my 1000 challenge binder also gets here. I am planning short term goals and long term goals as my husband and I are 65 and 60. Long term is buy a home and use 5050 to pay off home. First 5050 pay off credit card debt.❤
💚
💛
How long did it take you?
2 years and 8 months total
So paying off the debt (baby step) doesn't include the house? What about car/student loan?
Maybe this was or is answered in the comments. Let me look.
Cars and student loans are all part of beby step 2. All debt except house. Then in baby step 6- you work on paying off the house. All that cash you were sending to debt can now go towards the principle payments.
ruclips.net/video/OO25TrVo_dU/видео.htmlsi=I6vs4fB1r8A7xCuL
@@2SisterBees thnx
💵💵💵