We are doing pretty good so far! My husband is deployed and so I am handling all the money but we still talk about it over the phone. I have been consistently doing a budget for about six months now and it has made a huge difference! We have already paid off two debts.
I'm at baby step 6 at age 56. I started all of this late and will probably never be a millionaire but I'm oh so much safer going into retirement. I'm paying off my house gazelle intensely. I plan to have it done in ten years. My three side hustles are all really fun things I'd do even if they didn't make me money so they feel effortless. You are so fun!
@@TheRealLydiaSenn I'm going to be the sole flower vendor at a small farmers market this spring. All the flowers come from my urban mini farm. I make commissioned mosaic tables and once a month I spend a weekend doing data entry for my best friend who is a book keeper. We work in her kitchen and talk and eat all weekend. I've got a great steady job but require all side hustles to be fun, things that bring me joy, feed my soul. When I was in debt I did lots of overtime. But now it's going to be ten years so it has to be sustainable.
i feel like i’m super weird for watching so many videos about getting out of debt when i don’t actually have debt. but i’m like super afraid of it so i like watching people’s debt free journeys because it inspires me to stay out of debt to see people work so hard to pay off their debt
Overspending on groceries!!! I now ‘hired’ my husband to do the grocery shopping. For him, it’s black and white--it has to be on the list to be purchased. I seem to lack that gene and overspent at the grocery store every single time by big margins.
Doing ok over here. My husband and I had started the steps a while back and we are now getting divorced. Not ideal, but I couldn’t be happier that we not only have money in savings to split to start our lives individually, but that 90% of our debt is gone. Will it take a little longer by myself? Absolutely, but I know I can do it. Your pep talks on a Monday morning are wonderful ❤️
I love that your older videos are still available. There are days when I need to focus on keeping myself in check, so rather than browsing on Amazon online I listen to an older pist and it helps to kerp me from spending thoughtlessly or needlessly.
Ironically I really enjoyed this pep talk. I have been trying to start a budget and get my financial life in order, but keep failing miserably. You are such an inspiration, thanks girl!
do it now !!! believe me, I am 60 years old, and Lydia is so right : later in life u may regret choices made in ur younger years. U r already wise to be hear on this site. When u know better , u do better . Now u know !!
Your ability to get out of debt, while starting a family, on one income is so much more realistic and inspiring. Definitely, if you can be debt free in 2 years, there is no reason I can’t do it myself.
Thank you so much for putting out content for being in BS2 even though your debt free. I feel like some creators kind of move on and target their content more for investing and retirement and not on the struggle of digging out of debt! I just moved into BS3 and I was so thankful for these BS2 videos you do and continue to love your perspective and advice!
Can you do a video on the waisting money category? Or things that its a waste of money. Like maybe things that may be or not be obvious. A longer video would be great.
Lydia great video. We are debt free (except for the house)!! Now we’re starting to build up our emergency fund. My husband is in IT and it takes about 8 months to find a new job so it’s going to take us awhile to build up an 8 month emergency fund. Ugh lol
I work in the tech industry too. I have my cc paid now. Building up my fund for when I am out of work (because it will happen at some point). Then everything will go to my car, then student loan, and finally house.
Loretta Carroll Loretta sounds like we’re both in the same place. My husband says it’s sad how when you reach a certain age it’s expected that you will be replaced with someone in their 20’s in the tech industry. That’s why he feels so strongly about saving up 8 months of expenses. Being frugal & meal planning has helped us so much to save money.
Your content is really just amazing. We just had our first baby and paused baby step two to go into stork mode. I decided to not go back to my higher paying job so I could work a lower paying job and be with the baby. We’re using our child tax credit and our stork mode to pay off the last bit of student loan and then we will be debt free and have $5,000 leftover in savings to start baby step three. Our baby step three will be slow going because of my reduced income, but we will be debt free! I’m interested in content related to sinking funds, working on baby step three with reduced income, and saving money as a mom. Thanks Lydia!
Oh my gosh just thinking of the highlights I already know the second one would be ridiculous 😱😳😝 but $27.50 a day huh... I just flipped that and wrote a plan to use it to SAVE in the bank $10k a yr with that!! Love it!!
Almost finished baby step 3. Doing a low spend to finish it this month. One thing when setting up my months budget I look at the past years budget. I sometimes am reminded of things I pay quarterly, semi yearly or once a year.
I'm back in college and watching our debt go up because there is no other way for us right now to pay for childcare during student teaching is hard. We paid off the majority of debt we had when we first got married and saved up for a baby. Baby came, extra medical expenses for both baby and I (we're good now), my car was totaled in an accident so this last year and half we have been a 1 car family to save up for this upcoming semester knowing we'd need a 2nd car and childcare this year. We'll get there, and watching your videos, remembering we aren't alone, having a few close friends who GET IT and don't get mad when we once again suggest potluck or a free event or our house so we don't need a sitter. Trust me, I'm not this much of a homebody but a sitter is expensive so we're not getting a sitter for any old event, nope. Winter is the hardest since there is a lot more we can do in nicer weather and can get to walking in Chicagoland than right now.
Love watching your channel. An currently snowballing 9,052. In debt and pressing hard to clean up this mess. Have an emergency fund and we are working together to reach our goals. I find the mist important part has been talking about money and CLEAR COMMUNICATION. Thanks again for your tips and short vids I can sneak in during my day.
We are at the end of our snowball. Only one more debt then the house. Our mortgage is very low. $665 includes all. We have a higher emergency fund because we are a family of 6. We’ve snowballed so many things over the last few years with cash. New septic, furnace, AC, vehicle, washer, dryer, fridge and dishwasher.
Just starting to budget this month and I feel so overwhelmed. We just paid things as we had money and put out the fires as we could before. By the time we get our modest amount of debt paid it will be 2 years or so and all the numbers say that we will then be 2 years late to be able to live of a ROTH IRA if we max it out. One income and it just won't stretch. We were already doing a lot to make our cost of living lower (cloth diapers, doing things ourselves, cooking from scratch). We haven't completed our first real month on a budget yet and I'm ready to give up sometimes. My hubby thinks I'm silly to keep rerunning the numbers over and over. Trying to figure out how to do it better. we only have 230 dollars in our emergency savings and with taxes coming up and several other once a year things right now I feel like we are against a wall right now to get anywhere with the baby steps.
"Yep! She is talking to me." You are awesome and genuine. I really needed this reality check. YES. Look at where the money is going - HELLO. In honesty, I hate to check my bank account. It makes me sad and feel guilty that it is being drained faster than I can refill. Thank you for getting my attention. Have an awesome rest of your week. And kiss those cute babies. So precious.
We, well I, finally sat down and looked at the last 5 months of last year to figure out what to call our monster. I had always felt like while everything carried on as normal we were still flying a bit close to the sun with our 'unknown' expenses, and had been for a bit. But mid last year my father in law passed and my husband being an only child is the only one to deal with the estate. It's bad. We now have a house out in the country that we haven't been able to sell even after making some much needed updates, so own and need to carry a second home that we don't even live in or get to enjoy. There is interest on an outstanding line of credit against the house, the basic utilities, taxes and insurance that we need to pay out of our budget until we can sell and settle the house. The upside if you choose to squint hard enough to see it is that at least we know what we are up against now and how to manage the additional $1500 a month in expenses, and knowing we can actually do that WITHOUT going further into debt for now, means we actually had that much money in our budget that will become available for our own debt repayment once the estate is sorted. Right now it's all that keeps me going.
Hello from Texas Lydia. I'm watching this with my husband and we got to the part where you said "the next thing you know your house is flooded" and started laughing. I've shared my story of our flooded house during Harvey and Imelda. Luckily we are in a place where we can laugh. We just closed on our new house and will sell our flooded house soon. Thus ending a painful chapter . We will be debt free except our house by the end of 2020 and hopefully debt free including the house by 2022. You are so inspiring and motivating. Thank you for your uplifting message. Hugs from Houston ❤️
Yep, we made all the typical mistakes too. Gotta have a plan and be organized. Works in any area of life! I applied that same principle to my health and lost 50lbs in five months. Amazing! Follow a plan or a a roadmap as you call it and it works. 🤪😊
We're paying off a loan for our new kitchen - I know it's not ideal but we're renovating an old house and by doing the majority of the work ourselves it's saving us so much. We have a few rules for loans 1. It must be an amount we can pay back immediately with our emergency fund if needed. 2. Only one loan at a time 3. Only if necessary. (Our old kitchen was over 30 years old and falling apart. ) This helps us with cash flow for other big expenses (like dead washing machines and new exhausts 🙄) We are also making overpayments every month for our mortgage. 4 years ago we sold our 2 bedroom flat and bought a rundown 3 bedroom house with a big garden in a low cost area (and made a small profit👍) because we didn't see the point in having a huge mortgage. We've got pur monthly budget down to a fine art now too 👍 just need to keep on saving 😊 thank you! x x x
Know better ....do better! Love it! Yesterday we so wanted to go out to eat after church but we didn't! We are working that budget! Thanks for your pep talk!
I have found that if you meal prep for at least 3 or 4 days that's stretches for the whole week into leftovers. Eat up those leftovers, the trick to make them look appealing ha!
HI Lydia, thank you very much for video. I'm in the stage of life when I need to save money for deposit for my first mortgage. First thing, I'm single so it's seem to me that I have to fight harder then people in couple. And second thing, I have problem with all offers from people , who are not on "save budget", for lunches out, drinks after work, weekends activity with extra money spending - cinema, bowling, theater etc. On one hand, I would like to joy friends, I don't want to look to them antisocial, but when I'm out somewhere I have remorse for extra spending.
Lydia thank you 🙏🏻 you are amazing 😉 for sharing how you and your husband become debt free 💕 The only debt we have is my 2017 Journey and it’s a 60 month loan but it will be paid off this year 👍🏻 we are also paying down our mortgage from $86,000.00 to $55,000.00
I have been punching debit in the face for the past year thanks to you! You showed me how to pay off our debit I had no clue before I started watching your videos. My credit score is finally up to 663 Woo hoo I paid off so much debit Credit card, car, medical bills. It feels good to make a budget every month now! That was the perfect analogy I laughed so hard Great way to start my day 👊🤛🤜 punching my way out of debt 💪 Strong enough to do it now Thanks
I am struggling. We were on BS2. Then I got sick. Then the disability insurance I have at work denied me. Then a pipe burst and flooded half the basement and, because the pipe was in the cement floor , it is outside the foundation and not covered by our home insurance. We are completely maxed, behind on everything. My medical insurance just agreed to pay (after a year of fighting) and I have just gotten back to work. It will be a few more weeks before any cash hits my accounts. I am so overwhelmed and so tired of drowning. I don't know if we will ever recover.
I thought this was our year to dump the debt... But my son has some medical issues going on and daughter needs physical therapy. Medical bills are piling up and I am freaking out... I'm just going to breathe and take it day by day step by step. Please be praying for him.
We don’t have any debt except our house. Which we just bought...which we should have waited on, like you said. So now it almost feels like it’s paycheck to paycheck to pay for house utilities and daycare. Any advice ????
I'm less than a month from paying off my credit card debit. Also I had a $2000 car repair in December I was able to pay from savings. One of my new goals is to rebuild my savings, but i'm excited. 🙂
We need to pay off students loans. It seems lifelong. We try to be responsible with money. We have some new medical debt. Our insurance doesn't cover as much as it could. We share one vehicle to save money. We have young ones to support.
So our only debt is our house. But husband needs a new car soon and we have twins getting their license in 3 months and starting college in two years and our daughter is two years behind them. 😳. I’m hoping to apply your advice to saving more for ALL that.
Do you have any tips for a spouse who is not on the same page? My husband has agreed countless times to pay off our very small amount of debt and save money, but then continues to use the credit card. We've been trying to get out of debt for 6 years even though we've probably never had more than $5000 to pay off.
So what should I do if I pulled my credit years ago and saw my debts but then I pulled my credit recently to start paying them off and there are only three things on my credit now. How do I find those old debts to payoff.
Oh Lydia ❤️ your channel so much. How do I talk to hubby who thinks everything is just fine? We pay all our bills every month, only have 1 car payment for debt but have been saving zilch. I want to cut back on some things I’m sure he’ll feel are essentials & add to our savings. Retirement age will be here before we know it. Any suggestions?
Thanks for the pep talk. Thankfully we paid off most consumer debt before baby #2 but we still have a few things to go and the house. TBH it stresses me out so much. We have a hard time sticking to a budget due to the nature of my husbands work (owns his own business/unsteady pay/basically drives for a living) hard to tell him no eating out and don’t want him eating crap from cheap fast food either. Any tips for eating on the go (that’s not cold sandwiches)
Budget in his food. Just create a line item that says "this is how much you have to spend on food while driving." This will take the mystery out of it. If he still chooses to eat crap he's an adult but he has a budgeted amount for it.
We have a family of 6 with about a $40,000 yearly income. My husband and I have started paying down $82,000 in debt.
Any update on this journey
We had some set backs, but have paid off about $25,000 of our debt.
@@thisisournormal5102thats awesome!! Keep going!!🎉🎉🎉🎉
We are doing pretty good so far! My husband is deployed and so I am handling all the money but we still talk about it over the phone. I have been consistently doing a budget for about six months now and it has made a huge difference! We have already paid off two debts.
I'm at baby step 6 at age 56. I started all of this late and will probably never be a millionaire but I'm oh so much safer going into retirement. I'm paying off my house gazelle intensely. I plan to have it done in ten years. My three side hustles are all really fun things I'd do even if they didn't make me money so they feel effortless. You are so fun!
What are your side hustles? ❤️
@@TheRealLydiaSenn I'm going to be the sole flower vendor at a small farmers market this spring. All the flowers come from my urban mini farm. I make commissioned mosaic tables and once a month I spend a weekend doing data entry for my best friend who is a book keeper. We work in her kitchen and talk and eat all weekend. I've got a great steady job but require all side hustles to be fun, things that bring me joy, feed my soul. When I was in debt I did lots of overtime. But now it's going to be ten years so it has to be sustainable.
i feel like i’m super weird for watching so many videos about getting out of debt when i don’t actually have debt. but i’m like super afraid of it so i like watching people’s debt free journeys because it inspires me to stay out of debt to see people work so hard to pay off their debt
Overspending on groceries!!! I now ‘hired’ my husband to do the grocery shopping. For him, it’s black and white--it has to be on the list to be purchased. I seem to lack that gene and overspent at the grocery store every single time by big margins.
😂😂 I love this lol
Doing ok over here. My husband and I had started the steps a while back and we are now getting divorced. Not ideal, but I couldn’t be happier that we not only have money in savings to split to start our lives individually, but that 90% of our debt is gone. Will it take a little longer by myself? Absolutely, but I know I can do it. Your pep talks on a Monday morning are wonderful ❤️
Brittany Pirl Same here just got divorced. Just got out of debt and trying to stay debt free for life
I just added up my excesses for the last 9 days and it is $21.24 per day on nothings ! thanks for the heads up on my bad habits !
You are a pleasant way to start my Mondays!!! And I have learned so much from you. Thank you
Totally debt free!!! I’m so glad that my husband is the type of person that can fix almost anything!! Retired also!
I love that your older videos are still available. There are days when I need to focus on keeping myself in check, so rather than browsing on Amazon online I listen to an older pist and it helps to kerp me from spending thoughtlessly or needlessly.
Love it. "Name the beast", then starve him. 😄
Yaaaaaas
Ironically I really enjoyed this pep talk. I have been trying to start a budget and get my financial life in order, but keep failing miserably. You are such an inspiration, thanks girl!
do it now !!! believe me, I am 60 years old, and Lydia is so right : later in life u may regret choices made in ur younger years. U r already wise to be hear on this site. When u know better , u do better . Now u know !!
Your ability to get out of debt, while starting a family, on one income is so much more realistic and inspiring. Definitely, if you can be debt free in 2 years, there is no reason I can’t do it myself.
Great video! I laughed at "you may not think you have a lifestyle...." :)
Thank you for the small steps. I am going to write down all my debt and print out 3 months of bank statements today. 🙌🏻 Thank you so much
Thank you so much for putting out content for being in BS2 even though your debt free. I feel like some creators kind of move on and target their content more for investing and retirement and not on the struggle of digging out of debt! I just moved into BS3 and I was so thankful for these BS2 videos you do and continue to love your perspective and advice!
Can you do a video on the waisting money category? Or things that its a waste of money. Like maybe things that may be or not be obvious. A longer video would be great.
This is great advice and so true. I need to tighten things up with my budget and stop the over spending!! Love your sense of humor! Thanks for this!!🤗
Thank you
Danielle Maners same goal here!
Lydia great video. We are debt free (except for the house)!! Now we’re starting to build up our emergency fund. My husband is in IT and it takes about 8 months to find a new job so it’s going to take us awhile to build up an 8 month emergency fund. Ugh lol
I work in the tech industry too. I have my cc paid now. Building up my fund for when I am out of work (because it will happen at some point). Then everything will go to my car, then student loan, and finally house.
Loretta Carroll Loretta sounds like we’re both in the same place. My husband says it’s sad how when you reach a certain age it’s expected that you will be replaced with someone in their 20’s in the tech industry. That’s why he feels so strongly about saving up 8 months of expenses. Being frugal & meal planning has helped us so much to save money.
I’m in 2nd month of 0-dollar budgeting. It’s been an eye opening experience 😳! I been frittering money away for YEARS!!!
Your content is really just amazing. We just had our first baby and paused baby step two to go into stork mode. I decided to not go back to my higher paying job so I could work a lower paying job and be with the baby. We’re using our child tax credit and our stork mode to pay off the last bit of student loan and then we will be debt free and have $5,000 leftover in savings to start baby step three. Our baby step three will be slow going because of my reduced income, but we will be debt free! I’m interested in content related to sinking funds, working on baby step three with reduced income, and saving money as a mom. Thanks Lydia!
You can do this.
Oh my gosh just thinking of the highlights I already know the second one would be ridiculous 😱😳😝 but $27.50 a day huh... I just flipped that and wrote a plan to use it to SAVE in the bank $10k a yr with that!! Love it!!
But once you know, you know.
Speaking of punches... I haven’t thought of this in years but Punch Debt in the Face was one of the OG personal finance bloggers!
That $10,000 statistic just blew my mind too! I never spend like that but it certainly makes saving more concrete.
Almost finished baby step 3. Doing a low spend to finish it this month. One thing when setting up my months budget I look at the past years budget. I sometimes am reminded of things I pay quarterly, semi yearly or once a year.
Great tip! 🙌
You are funny and absolutely right at the same time! Ur videos are so encouraging!
I'm back in college and watching our debt go up because there is no other way for us right now to pay for childcare during student teaching is hard. We paid off the majority of debt we had when we first got married and saved up for a baby. Baby came, extra medical expenses for both baby and I (we're good now), my car was totaled in an accident so this last year and half we have been a 1 car family to save up for this upcoming semester knowing we'd need a 2nd car and childcare this year. We'll get there, and watching your videos, remembering we aren't alone, having a few close friends who GET IT and don't get mad when we once again suggest potluck or a free event or our house so we don't need a sitter. Trust me, I'm not this much of a homebody but a sitter is expensive so we're not getting a sitter for any old event, nope. Winter is the hardest since there is a lot more we can do in nicer weather and can get to walking in Chicagoland than right now.
Love watching your channel. An currently snowballing 9,052. In debt and pressing hard to clean up this mess. Have an emergency fund and we are working together to reach our goals. I find the mist important part has been talking about money and CLEAR COMMUNICATION. Thanks again for your tips and short vids I can sneak in during my day.
Thank you so much! And yes, communication is key!
We are at the end of our snowball. Only one more debt then the house. Our mortgage is very low. $665 includes all. We have a higher emergency fund because we are a family of 6. We’ve snowballed so many things over the last few years with cash. New septic, furnace, AC, vehicle, washer, dryer, fridge and dishwasher.
Just starting to budget this month and I feel so overwhelmed. We just paid things as we had money and put out the fires as we could before. By the time we get our modest amount of debt paid it will be 2 years or so and all the numbers say that we will then be 2 years late to be able to live of a ROTH IRA if we max it out. One income and it just won't stretch. We were already doing a lot to make our cost of living lower (cloth diapers, doing things ourselves, cooking from scratch). We haven't completed our first real month on a budget yet and I'm ready to give up sometimes. My hubby thinks I'm silly to keep rerunning the numbers over and over. Trying to figure out how to do it better. we only have 230 dollars in our emergency savings and with taxes coming up and several other once a year things right now I feel like we are against a wall right now to get anywhere with the baby steps.
"Yep! She is talking to me." You are awesome and genuine. I really needed this reality check. YES. Look at where the money is going - HELLO. In honesty, I hate to check my bank account. It makes me sad and feel guilty that it is being drained faster than I can refill. Thank you for getting my attention. Have an awesome rest of your week. And kiss those cute babies. So precious.
You can do this. It's hard but you have done harder things.
We, well I, finally sat down and looked at the last 5 months of last year to figure out what to call our monster. I had always felt like while everything carried on as normal we were still flying a bit close to the sun with our 'unknown' expenses, and had been for a bit. But mid last year my father in law passed and my husband being an only child is the only one to deal with the estate. It's bad. We now have a house out in the country that we haven't been able to sell even after making some much needed updates, so own and need to carry a second home that we don't even live in or get to enjoy. There is interest on an outstanding line of credit against the house, the basic utilities, taxes and insurance that we need to pay out of our budget until we can sell and settle the house.
The upside if you choose to squint hard enough to see it is that at least we know what we are up against now and how to manage the additional $1500 a month in expenses, and knowing we can actually do that WITHOUT going further into debt for now, means we actually had that much money in our budget that will become available for our own debt repayment once the estate is sorted. Right now it's all that keeps me going.
Hello from Texas Lydia. I'm watching this with my husband and we got to the part where you said "the next thing you know your house is flooded" and started laughing. I've shared my story of our flooded house during Harvey and Imelda. Luckily we are in a place where we can laugh. We just closed on our new house and will sell our flooded house soon. Thus ending a painful chapter . We will be debt free except our house by the end of 2020 and hopefully debt free including the house by 2022. You are so inspiring and motivating. Thank you for your uplifting message. Hugs from Houston ❤️
Oh Sheila! Y’all have been through so much and come so far.
Yep, we made all the typical mistakes too. Gotta have a plan and be organized. Works in any area of life! I applied that same principle to my health and lost 50lbs in five months. Amazing! Follow a plan or a a roadmap as you call it and it works. 🤪😊
Love your keeping it real attitude!
My thing as of late about needing a budget is to so "We need to budget so we don't live in a van down by the river in retirement!
Should be debt free in July. It’s so close I can smell it! Lol
That’s amazing.
We're paying off a loan for our new kitchen - I know it's not ideal but we're renovating an old house and by doing the majority of the work ourselves it's saving us so much. We have a few rules for loans 1. It must be an amount we can pay back immediately with our emergency fund if needed. 2. Only one loan at a time 3. Only if necessary. (Our old kitchen was over 30 years old and falling apart. ) This helps us with cash flow for other big expenses (like dead washing machines and new exhausts 🙄) We are also making overpayments every month for our mortgage. 4 years ago we sold our 2 bedroom flat and bought a rundown 3 bedroom house with a big garden in a low cost area (and made a small profit👍) because we didn't see the point in having a huge mortgage. We've got pur monthly budget down to a fine art now too 👍 just need to keep on saving 😊 thank you! x x x
Learn from other people's mistakes, girl so true!
Know better ....do better! Love it! Yesterday we so wanted to go out to eat after church but we didn't! We are working that budget! Thanks for your pep talk!
You’re doing great.
Please make more of these videos. Please teach me.
The struggle is real 🤣
Good suggestions on the highlighters! We have cut everything but we need to cut eating out. I hate to cook every day. Need to meal prep.
Meal prepping will save you so much time.
I have found that if you meal prep for at least 3 or 4 days that's stretches for the whole week into leftovers. Eat up those leftovers, the trick to make them look appealing ha!
My hubby graduate in April..... excited to see the debt go down instead of up 🙄
Thanks Lydia. Brilliant idea using different highlighters.
You videos give me so much information. I was wondering if you would ever do a grocery haul and maybe a meal plan?
Sure. I can do that.
HI Lydia, thank you very much for video. I'm in the stage of life when I need to save money for deposit for my first mortgage. First thing, I'm single so it's seem to me that I have to fight harder then people in couple. And second thing, I have problem with all offers from people , who are not on "save budget", for lunches out, drinks after work, weekends activity with extra money spending - cinema, bowling, theater etc. On one hand, I would like to joy friends, I don't want to look to them antisocial, but when I'm out somewhere I have remorse for extra spending.
Lydia thank you 🙏🏻 you are amazing 😉 for sharing how you and your husband become debt free 💕
The only debt we have is my 2017 Journey and it’s a 60 month loan but it will be paid off this year 👍🏻 we are also paying down our mortgage from $86,000.00 to $55,000.00
I have been punching debit in the face for the past year thanks to you! You showed me how to pay off our debit I had no clue before I started watching your videos. My credit score is finally up to 663 Woo hoo I paid off so much debit Credit card, car, medical bills. It feels good to make a budget every month now! That was the perfect analogy I laughed so hard Great way to start my day 👊🤛🤜 punching my way out of debt 💪 Strong enough to do it now Thanks
loved the fist example, love your videos!
💕💕💕
I like your encouraging videos.
Thank you so much.
I love ALL of your videos! Thank u so much!
I am struggling. We were on BS2. Then I got sick. Then the disability insurance I have at work denied me. Then a pipe burst and flooded half the basement and, because the pipe was in the cement floor , it is outside the foundation and not covered by our home insurance. We are completely maxed, behind on everything. My medical insurance just agreed to pay (after a year of fighting) and I have just gotten back to work. It will be a few more weeks before any cash hits my accounts. I am so overwhelmed and so tired of drowning. I don't know if we will ever recover.
You will recover. You’ve been through so much. And I know you’re so tired. But don’t quit. You can do this.
@@TheRealLydiaSenn ❤ thank you. On the really bad days I watch your video about starting over and being brave. Its my pep talk
I thought this was our year to dump the debt... But my son has some medical issues going on and daughter needs physical therapy. Medical bills are piling up and I am freaking out... I'm just going to breathe and take it day by day step by step. Please be praying for him.
Oh bless you that is hard. I will be praying for him please keep me updated.
Thank you! I will!
We don’t have any debt except our house. Which we just bought...which we should have waited on, like you said. So now it almost feels like it’s paycheck to paycheck to pay for house utilities and daycare. Any advice ????
I'm less than a month from paying off my credit card debit. Also I had a $2000 car repair in December I was able to pay from savings. One of my new goals is to rebuild my savings, but i'm excited. 🙂
Amazing. ⭐️
That is the best analogy 😂
Awesome video! Thank you for sharing your thoughts and tips. We need them.
Thank you 😊
We need to pay off students loans. It seems lifelong. We try to be responsible with money. We have some new medical debt. Our insurance doesn't cover as much as it could. We share one vehicle to save money. We have young ones to support.
You always have the best info! Thanks for sharing!
Thank you so much 💕
Baby step 2 again
Love your lipstick, which one is it? Love the video!
This was is brilliant thank you.
So our only debt is our house. But husband needs a new car soon and we have twins getting their license in 3 months and starting college in two years and our daughter is two years behind them. 😳. I’m hoping to apply your advice to saving more for ALL that.
Do what you can with what you have. Prioritize what needs your attention first and focus on that. Then go to the next thing in the most.
Do you have any tips for a spouse who is not on the same page? My husband has agreed countless times to pay off our very small amount of debt and save money, but then continues to use the credit card. We've been trying to get out of debt for 6 years even though we've probably never had more than $5000 to pay off.
Hahaha! You know where your fist 👊 needs to go! ROFL
Truth
So what should I do if I pulled my credit years ago and saw my debts but then I pulled my credit recently to start paying them off and there are only three things on my credit now. How do I find those old debts to payoff.
My husband and I are on baby step 2!
You can do this!
Any advice for when your spouse is not on board?
Oh Lydia ❤️ your channel so much. How do I talk to hubby who thinks everything is just fine? We pay all our bills every month, only have 1 car payment for debt but have been saving zilch. I want to cut back on some things I’m sure he’ll feel are essentials & add to our savings. Retirement age will be here before we know it. Any suggestions?
Ask him to tell you about his goals for what retirement should be like
m k Thanks, I’ll try. He always says “I hate talking about this serious stuff” Ugh
Bs3 and it’s taking me forever to get out of it
It’s hard but you can do it.
How do we find out what debt we owe I’m trying to be debt free but don’t know where to start
Check your credit report. It’s a good place to start.
Thanks for the pep talk. Thankfully we paid off most consumer debt before baby #2 but we still have a few things to go and the house. TBH it stresses me out so much. We have a hard time sticking to a budget due to the nature of my husbands work (owns his own business/unsteady pay/basically drives for a living) hard to tell him no eating out and don’t want him eating crap from cheap fast food either. Any tips for eating on the go (that’s not cold sandwiches)
Budget in his food. Just create a line item that says "this is how much you have to spend on food while driving." This will take the mystery out of it. If he still chooses to eat crap he's an adult but he has a budgeted amount for it.
Ka-POW!
Lydia Senn
LOL...make a budget...deep voice