We became debt-free and I was 48. Mortgage paid off everything done. Some of the things that really helped us other than budgeting and tracking spending was we never bought cigarettes or alcohol. Our entertainment was library videos and church events and family events. We ate out once a month but pack lunches made breakfast ate leftovers and cooked at home. I made freezer meals and bought in bulk. We shopped at garage sales and clearance racks for our clothes. We bought good used cars and took care of them and drove them for several years. In the meantime we were saving money so when we bought our next car we had a polycash to put toward the car as the years went on we were able to put more and more down on cars until we were able to pay cash for them. We didn't take expensive vacations. We plan to head and paid cash for vacations. We lived a simple life. It wasn't always easy but we knew in the long run this was how to reach our goal. We never tried to keep up with the Joneses and sure people made fun of us. But where are they now?
My dad many yrs ago used the envelope system. I know this is obsolete, but he didn’t believe in using credit cards for everything. So he had envelopes, for example, saving for a new washer, fridge, home repairs, vacations, savings, etc. it worked for him. Paid off their home, had a beautiful home, went on vacation every year all on a postal worker salary. Mom was a stay at home mom.
@@cynthiahillian my dad would divide his bills up by 2 because he would get paid every 2 weeks. So one envelope each for mortgage, gas, electric, telephone, food, car insurance, gas for the car, savings for future retirement, savings for home improvements, clothing, etc. He saved for the necessities n if there was money left over, it went for clothing n home improvements, vacations.
Not completely obsolete. My husband and I have been using envelopes since we got married (ages 26) and we still use them at 40. Not quitting anytime soon. The leftover money at the end of the month gets put into our Christmas fund. We haven't had to budget for Christmas, ever.
Thanks for the video. I finally established a way to increase my net income per month. My 2024 goal is to pay off the house by Sept 2024 (8 years total into a 30 year @ 4%). I have no debt other than mortgage. My 401k, HSA, IRA and emergency funds get maxed out. The mortgage is my last piece of debt left. I don't have any school loan or CC debt. I've made a lot of sacrifices over the years. I'm almost at the debt free finish line.
Facing your medicine can be difficult. However, with commitment, you'll ultimately reach a highly satisfying place. It's all about the actions you're willing to take.
Your financial journey is truly inspiring, and I'm currently striving to achieve the goals you've reached. Could you please share some tips to help others learn and navigate their own paths to financial success? Your insights would be invaluable.
I'm debt free, I think the most important thing that helped me is cook my food & pack my lunch. That literally has helped me save tens of thousands of dollars over my lifetime of work.
I usually did this too-after the early 1990s-which is when every place began to sell pizza and nothing else. It always amazed me just how much a slice could end up costing you and after a while pizza is just not interesting. I enjoyed what I made much more, but it did take time and effort to keep it organized.
Yes, I have made a strict food budget, which I'm sticking to...and stopped going out and eating out. It has become too expensive, especially when paying for me and my child.
We have developed a budget with multiple categories and assigned money for each one. Then we write and subtract expenses to keep track of our balance on each. When the money is gone, we are out. It's in the kitchen taped on a cupboard so everyone can see where we are at (it doesn't include house payment, utilities, cell phone, medical, etc.). When the money is out of the category, we can point to it if our kids ask why we can't buy this or that.
Wonderful way to make it concrete for kids. I'm a teacher and most students in elementary school think money is unlimited because parents pull out a plastic card. The kids have a hard time making the connection between money and the card. Card seems unlimited and free to the kids
So so sorry you’re hurt Hope😢 definitely praying for less pain and ❤️🩹 quick healing thinking of both of you it’s just so sad you’ve both had to deal with injuries I am just so sorry !!🙏🙏🙏
Delayed gratification is an exercise in 'This or That.' Which do I a want more - THIS thing right now or THAT thing in a month, 6 months, or 30 years? Thinking of it as This or That is as helpful as the goal with "so that" at the end.
Im using quarterly time frames now as well. At first I balked, but now I value marking my progress and correcting and adjusting when needed before I get too far down the road.
We have been buying groceries on sale at our local grocery and Aldi. We are stocked up for now so we just buy needed items or really good deals. This has helped us save a few extra dollars to shove in the special days envelope. Things like birthdays, Valentines etc.
So next time consider alternatives. Also consider what made you vulnerable at that time. For me, if I don't have a thermos of iced tea and a snack to eat on my way home from work I don't bypass the 55 fast food drive throughs on my way home. I will pull right in, damage my health and waste $12. My coworker ate at your chicken restaurant several times a week and had a massive heart attack. On the other hand we all deserve an occasional "treat" so don't worry. Just keep moving forward towards financial independence. ❤
Well, we spend 30 hours a week putting together these RUclips videos. The videos are absolutely free for you to watch. But given that this is our job, we do sell e-books. Now, I'm fairly certain that your employer does not ask you to work for free. So, we see no reason that we should do so either. Thank you for understanding.
God is helping you to trust in Him for your future, not your finances, since one day we will not be able to buy or sell without giving into the Devil’s system of worship.
In other words,focus on your four walls. Housing Utilities Food Medical Transportation Insurance. These are necessary. Starbucks,the Stanley cup,not essential to life.
I put a lot of things I want in my Amazon cart. Then later I look at my cart and move about half the items in the save for later spot. Then I look at everything later and delete most of the items, knowing I really don't need them. I feel like I've shopped thru this whole process and that satisfied the shopping urge!
#5. Its difficult to have patience when paying mortgage off. I watched a Jereme and wife buy a inexpensive home ( paid cash) for like $80,000 in Michigan. They moved from Portland, Oregon. They did all the home renovations and cash flowed them. Wife got to quit job and stay home with newborn. Realize that you are the manager of your home and money; but never forget that God owns it all.
Gud tips. I am from South India. I hand wash my clothes and dishes n use only detergent cakes n dish bars which is only 10 rs. I have millets porridge instead of cornflakes and museli as they r expensive. I handdry the clothes n lihe up at the backyard.
I live in Philadelphia and line dry the clothes year round, outside in dry weather and inside in wet. Haven’t used a tumble dryer in years. Not only a big savings on utility but clothes last and look nicer
My area has several hospitals. At the nonprofit they will let people have an interest free payment plan and negotiate a monthly payment amount. I now only use that hospital.
Thank you for teaching people how to deal with their money and become debt free. One can sleep so much better at night, knowing that you don't owe anything and can deal with emergencies. Understanding the difference between needs and wants is so very important.
For me - I treat saving as an expense, much like rent and power, as soon as I'm paid my savings go out with the other expenses. After all, I've got to pay the person that manages my funds (me). I pray that Hope will get better! ❤
I don't go out drinking, I do hit clearance area at Kroger & Winco buying single broken cans of beer for .75 or $1.00. One every now & then, much cheaper than buying atmosphere.
The very first funny book I ever read was by David Bock automatic millionaire. I set everything up to automatically go into investment savings, mortgage, etc. with the help of his book. I paid off my mortgage in seven years start to finish. I’ve read at least 300 books on finance and frugal living plus money magazines for years and years and I still watch RUclips videos all the time and read everything I can. I love you guys too.
Once I got debt free 2009 I had to get a loan for the car to bring dad places 2019 loan. It was just a couple thousand dollars but I felt shameful. Paid it off and had not been back. Buying a quality vehicle wes just smart. I got a hybrid vehicle because I get destroyed by a hurricane I can live out of the car. I need to practice car camping because I took off last year I was not ready. I had things I wanted to do but couldn't because I was not ready. Now I'm home I need to practice my survival so I will be there when it's needed.
I disagree with the "never manually manipulate your money," simply because i believe the act of physically handling, planning, and distributing my cash helps to build my self control. I work only part time, so my savings goals are on a smaller scale. My husband pays the regular bills, and my income hekps to cover things like the kids going to summer camp, date night, trips to museums, etc. In order to keep myself in line, ive gotta pull that cash and stuff specific amounts into envelopes, otherwise i will spend it. Especially if its in my account. My bank accounts look pretty sad because theres never anything in there for long. But i have cash saved for specific purposes and events. It works for me. You do have to be careful about not walking around with wads of cash on you, but i have a couple of budget binders...one wallet style one that i take with me when needed, and one i keep at home with the bigger savings envelopes in.
That works well for a lot of people. I think they are referring to people with $100 in there wallet/purse on Friday and come Monday morning they have $2-3 and have no idea where it went. There are people who look at their bank account and see $100 and then write 3 checks for $100, they spend the same money in several places. My ex did that frequently. He needed the envelope system. Not speaking poorly of him, he’s just a good example of how important the visual of seeing the money in that category in hand was.
The goal is to have the money from your paycheck go directly to your savings account where you are saving up for something. You learn to live on the balance that is deposited into your checking. No letting the money’s presence in your checking account be a temptation.
I started my savings program using the envelope method. It totally worked for me. Like you, physically manipulating my money showed me what things really were. I've now switched to a special savings account and I keep a monthly excel spreadsheet of all the "envelopes " in the account. It's a form of physical manipulation and keeps me focused on my goals. 😊
Like they said, you have to do what works for you. If you can only control your spending by having cash then that’s what you should do but eventually you will learn self control.
I just paid off my only credit card I have for the 3 time. Now I am taking that money and putting it toward my roof loan plus the monthly payment was on my credit card. I will be debt-free. I am going to try to do this in six months which I know I can if I give up all the little things I’m throwing away on my money my wants not my needs.
We have practiced #3, continual learning, with more and lesser emphasis for years. In today's lingo it would be more along the lines of being "self sufficient" but we have seen it more along the lines of being able to do more for ourselves, adding a skill set, expanding on a skill set, or learning additional things we can do with the tools and equipment we own. When going beyond our comfort zone for skills and equipment/ tools sets we have generally although not always, started small with "carefully sourced" (free is always nice) materials and projects which will work with all those hand crafted imperfections. Translated, this has often meant meeting wants more so than needs although this doesnt mean that the want wasnt functional. When living frugally, meeting wants for almost for free is more important than many realize.
I needed that big green pile of cash mistake! I should be getting a work bonus soon and find myself stuck on what to spend it on - I have too many choices! Namely Bill, Bill Jr, Bill III, Bill has a long lineage 😂 BUT what I need to do is simply save it. I may even setup a new account with it.
If you have debt, consider paying down debt. It can reduce the monthly bills by either wiping out a debt and eliminating a minimum from the budget. Or, it can reduce a debt enough to reduce its minimum which again reduces the mandatory outgoing on a budget.
Question about your emergency fund - Do you keep your emergency fund money separate from your "furnace repair" money or do you keep a sinking fund for the furnace?
OK, need some thoughhts here, age 66, failing health, need to leave sister in better financial health, thinking life insurance, any thoughts or advice?
Sorry to hear about Hope. Did she need surgery. She’s a young healthy woman and will recover soon. All my best to her and thank you for holding the fort and taking care of her. Martha from Miami .
Debt free , I dod it by not spending a 5 dollar bill or lower. Every moth that money went to my debt. I now won't spend a 10 dollar bill or under. That money goes towards Christmas., and a cd to myself.
Good that you guys do that in America. In Europe being debt free is the concept most people grow up with. We were shocked learning how much buying on credit is normal in America. I always thought Americans are wealthy, but knowing it's all on debt... Europeans usually have small er lifestyles and all rather paid or paid as fast as possible. Because the mindset is like that among people. Definitely sth to learn from.
well, we feel really bad for Hope. One good thing is if it is true that things happen in threes, you got it done with three breaks all at once. I have broken my arm two different times. So I have an idea how much it hurts. We will miss you while you are out, and we will look forward to seeing what Larry comes up with. A & B
As a Xennial (cusp of gen x and millennial), it feels like even this stuff is beyond my means. All the decent jobs left my area years ago and those of us who didn’t have wealthy families got stuck working low-wage jobs. Retirement is a pipe dream for most folks I know. Getting a skill is a dream because the cost of education is so high. I save what I can, but it’s getting harder and harder.
I can identify with what you're going through, having lived it 45 years ago. Have you ever considered going to a public Vocational Tech school? Not a private one, but public if there is one in your area. Plumbers, electricians, welders - they make scads more money than most college grads and the schooling costs less. This may not be something you can do, but I thought I'd put it here anyway in case it can help someone else who sees it. As for you and your problem, check out Prepper Princess if you haven't already done it. She shows how you can live on $1000 a month. You won't want to do everything she does, but you'll get some good advice.
We became debt-free and I was 48. Mortgage paid off everything done. Some of the things that really helped us other than budgeting and tracking spending was we never bought cigarettes or alcohol. Our entertainment was library videos and church events and family events. We ate out once a month but pack lunches made breakfast ate leftovers and cooked at home. I made freezer meals and bought in bulk. We shopped at garage sales and clearance racks for our clothes. We bought good used cars and took care of them and drove them for several years. In the meantime we were saving money so when we bought our next car we had a polycash to put toward the car as the years went on we were able to put more and more down on cars until we were able to pay cash for them. We didn't take expensive vacations. We plan to head and paid cash for vacations. We lived a simple life. It wasn't always easy but we knew in the long run this was how to reach our goal. We never tried to keep up with the Joneses and sure people made fun of us. But where are they now?
Yall did good Proud of it 😊
You’re in the popular crowd for sure! I think you’re great!
Thanks for your testimony
My dad many yrs ago used the envelope system. I know this is obsolete, but he didn’t believe in using credit cards for everything. So he had envelopes, for example, saving for a new washer, fridge, home repairs, vacations, savings, etc. it worked for him. Paid off their home, had a beautiful home, went on vacation every year all on a postal worker salary. Mom was a stay at home mom.
Got me out of debt.
What's in the envelope is what it's for. When it's done it's done.
Never robbed one envelope for another.
@@cynthiahillian my dad would divide his bills up by 2 because he would get paid every 2 weeks. So one envelope each for mortgage, gas, electric, telephone, food, car insurance, gas for the car, savings for future retirement, savings for home improvements, clothing, etc. He saved for the necessities n if there was money left over, it went for clothing n home improvements, vacations.
Not completely obsolete. My husband and I have been using envelopes since we got married (ages 26) and we still use them at 40. Not quitting anytime soon. The leftover money at the end of the month gets put into our Christmas fund. We haven't had to budget for Christmas, ever.
Thanks for the video. I finally established a way to increase my net income per month. My 2024 goal is to pay off the house by Sept 2024 (8 years total into a 30 year @ 4%). I have no debt other than mortgage. My
401k, HSA, IRA and emergency funds get maxed out. The mortgage is my last piece of debt left. I don't have any school loan or CC debt. I've made a lot of sacrifices over the years. I'm almost at the debt free finish line.
Congratulations on taking the steps necessary to get yourself out of the financial bind you were in.
Facing your medicine can be difficult. However, with commitment, you'll ultimately reach a highly satisfying place. It's all about the actions you're willing to take.
Your financial journey is truly inspiring, and I'm currently striving to achieve the goals you've reached. Could you please share some tips to help others learn and navigate their own paths to financial success? Your insights would be invaluable.
SAMUEL PETER DESCOVICH
GOOGLE the name
Samuel Peter Descovich that's whom I work with
I'm debt free, I think the most important thing that helped me is cook my food & pack my lunch. That literally has helped me save tens of thousands of dollars over my lifetime of work.
Definitely agree. Eating out is so expensive and becomes a habit very quickly!😮
I usually did this too-after the early 1990s-which is when every place began to sell pizza and nothing else. It always amazed me just how much a slice could end up costing you and after a while pizza is just not interesting. I enjoyed what I made much more, but it did take time and effort to keep it organized.
Yes, I have made a strict food budget, which I'm sticking to...and stopped going out and eating out. It has become too expensive, especially when paying for me and my child.
And brew your own coffee….. it’s crazy how much people spend on high calorie coffee drinks 😳
Not to mention the savings in healthcare.
Prayers For A speedy recovery !!!!!!
You two are a beautiful couple! Thanks for sharing such helpful and practical information.
We have developed a budget with multiple categories and assigned money for each one. Then we write and subtract expenses to keep track of our balance on each. When the money is gone, we are out. It's in the kitchen taped on a cupboard so everyone can see where we are at (it doesn't include house payment, utilities, cell phone, medical, etc.). When the money is out of the category, we can point to it if our kids ask why we can't buy this or that.
Wonderful way to make it concrete for kids. I'm a teacher and most students in elementary school think money is unlimited because parents pull out a plastic card. The kids have a hard time making the connection between money and the card. Card seems unlimited and free to the kids
Praying for you all 💗🙏
Prayers for you, Hope, and your family.
Prayers gling up for supernatural healing for Hope's arm. Good video!
So so sorry you’re hurt Hope😢 definitely praying for less pain and ❤️🩹 quick healing thinking of both of you it’s just so sad you’ve both had to deal with injuries I am just so sorry !!🙏🙏🙏
Praying for a speedy recovery Hope!!
Speedy recovery, Hope!
Track all spending to see where the money goes.
I'm ready to prioritize my spending decisions. Thank you.
Some people don’t know how to stop spending or budget.
Yes, It’s ready to save money!
Praying for you and sweet Hope!
Hello Larry and Hope , sending you both prayers and a little extra love to Hope. ❤🇨🇦
Yes I am ready to get out of debt
Delayed gratification is an exercise in 'This or That.' Which do I a want more - THIS thing right now or THAT thing in a month, 6 months, or 30 years? Thinking of it as This or That is as helpful as the goal with "so that" at the end.
Im using quarterly time frames now as well. At first I balked, but now I value marking my progress and correcting and adjusting when needed before I get too far down the road.
We have been buying groceries on sale at our local grocery and Aldi. We are stocked up for now so we just buy needed items or really good deals. This has helped us save a few extra dollars to shove in the special days envelope. Things like birthdays, Valentines etc.
Ebjoyed this video. Thank you all.
Yes!
Im debt free, but Yes, I'm ready to save money! 😊
You both are great
Much love Hope ❤u better soon hope x
Rats I missed it, back slided yesterday, bought a chicken from Popeyes yesterday but is more than one meal.
You're okay!! Can get a few meals out of it!!
So next time consider alternatives. Also consider what made you vulnerable at that time. For me, if I don't have a thermos of iced tea and a snack to eat on my way home from work I don't bypass the 55 fast food drive throughs on my way home. I will pull right in, damage my health and waste $12. My coworker ate at your chicken restaurant several times a week and had a massive heart attack. On the other hand we all deserve an occasional "treat" so don't worry. Just keep moving forward towards financial independence. ❤
Thanks guys, finally listening to you😅😅
How about give us the info in the books that you want us to spend money on
Well, we spend 30 hours a week putting together these RUclips videos. The videos are absolutely free for you to watch. But given that this is our job, we do sell e-books. Now, I'm fairly certain that your employer does not ask you to work for free. So, we see no reason that we should do so either. Thank you for understanding.
Nice hairdos.
Ready to go spend less
God is helping you to trust in Him for your future, not your finances, since one day we will not be able to buy or sell without giving into the Devil’s system of worship.
What have you invested in since 1998?
In other words,focus on your four walls.
Housing
Utilities
Food
Medical
Transportation
Insurance.
These are necessary.
Starbucks,the Stanley cup,not essential to life.
Praying for a speedy recovery Hope !
I put a lot of things I want in my Amazon cart. Then later I look at my cart and move about half the items in the save for later spot. Then I look at everything later and delete most of the items, knowing I really don't need them. I feel like I've shopped thru this whole process and that satisfied the shopping urge!
I do that too!! We must be cousins!!
@@pamelajuniel3151 we must be Amazon cousins! Lol!
Same!
I do it, too!
Same!
#5. Its difficult to have patience when paying mortgage off. I watched a Jereme and wife buy a inexpensive home ( paid cash) for like $80,000 in Michigan. They moved from Portland, Oregon. They did all the home renovations and cash flowed them. Wife got to quit job and stay home with newborn. Realize that you are the manager of your home and money; but never forget that God owns it all.
Amen Totally Agree🙏❤
Jereme stopped posting quite awhile ago. I hope they're ok
Prayers your arm heals quickly Hope. You both have been such a great encouragement to save for emergencies for health, home, car..etc.
Gud tips. I am from South India. I hand wash my clothes and dishes n use only detergent cakes n dish bars which is only 10 rs. I have millets porridge instead of cornflakes and museli as they r expensive. I handdry the clothes n lihe up at the backyard.
I live in Philadelphia and line dry the clothes year round, outside in dry weather and inside in wet. Haven’t used a tumble dryer in years. Not only a big savings on utility but clothes last and look nicer
Heal at your own pace Hope! We will be here when you return. All the best to you and Larry on your joint healing journey.
Yes. Every time I'm almost debt free. Then there 's another medical bill.
My area has several hospitals. At the nonprofit they will let people have an interest free payment plan and negotiate a monthly payment amount. I now only use that hospital.
Prayers for Hope. Take your time in recovery. We will be here when you get back.
Thank you for teaching people how to deal with their money and become debt free. One can sleep so much better at night, knowing that you don't owe anything and can deal with emergencies. Understanding the difference between needs and wants is so very important.
Continued prayers for your healing Larry! We haven't seen you use your right hand since your accident. And Now prayers of healing for Hope! 🙏🙏🙏
For me - I treat saving as an expense, much like rent and power, as soon as I'm paid my savings go out with the other expenses. After all, I've got to pay the person that manages my funds (me).
I pray that Hope will get better! ❤
Praying for you Hope and Larry! ❤
Praying for Hope and Larry. Yes I love to save money!
Praying for her! Please update us!!
Praying for Hope❤
Me too!!
You can God make you free
What's wrong with hope
@@stevehartman1730 she fell and broke her arm in 3 places.
So sorry to hear that it just sounds painful really! Hopefully she can get some rest and recover quickly
So so sorry to hear about Hope's arm. And you are still with one arm mostly down too. Prayers and blessings to both of you.
Inquiring minds want to know - Except while possibly "bad" we WANT the info to be as ok as possible.
Yes I love to save money- but more importantly- prayers for Hope 🙏🏼offered for quick healing and recovery ✝️
I don't go out drinking, I do hit clearance area at Kroger & Winco buying single broken cans of beer for .75 or $1.00. One every now & then, much cheaper than buying atmosphere.
The very first funny book I ever read was by David Bock automatic millionaire. I set everything up to automatically go into investment savings, mortgage, etc. with the help of his book. I paid off my mortgage in seven years start to finish. I’ve read at least 300 books on finance and frugal living plus money magazines for years and years and I still watch RUclips videos all the time and read everything I can. I love you guys too.
Once I got debt free 2009 I had to get a loan for the car to bring dad places 2019 loan. It was just a couple thousand dollars but I felt shameful. Paid it off and had not been back. Buying a quality vehicle wes just smart. I got a hybrid vehicle because I get destroyed by a hurricane I can live out of the car.
I need to practice car camping because I took off last year I was not ready. I had things I wanted to do but couldn't because I was not ready.
Now I'm home I need to practice my survival so I will be there when it's needed.
Hope you're doing better Hope❤❤❤❤
How is Hope? You are in my prayers!
Ready to SAVE & prioritize my money!!
For me personally, clothing and food are not priorities at this time because we are set with a stockpile and plenty to wear.
I hope everything is okay
❤ 🙏🏻 Prayers for Hope, ❤
Praying for you Hope and Larry for a speedy recovery. Yes, I’m ready to safe money.
Prayers for a speedy recovery for Hope. Splints are no fun.
Praying for comfort, peace and speedy healing for Hope!
Think they forgot to mention they were born earlier lol where a single income could buy a home lol. Bring forward to today prolly they on skid Row now
It really does make a difference 😩
I disagree with the "never manually manipulate your money," simply because i believe the act of physically handling, planning, and distributing my cash helps to build my self control. I work only part time, so my savings goals are on a smaller scale. My husband pays the regular bills, and my income hekps to cover things like the kids going to summer camp, date night, trips to museums, etc. In order to keep myself in line, ive gotta pull that cash and stuff specific amounts into envelopes, otherwise i will spend it. Especially if its in my account. My bank accounts look pretty sad because theres never anything in there for long. But i have cash saved for specific purposes and events. It works for me. You do have to be careful about not walking around with wads of cash on you, but i have a couple of budget binders...one wallet style one that i take with me when needed, and one i keep at home with the bigger savings envelopes in.
That works well for a lot of people. I think they are referring to people with $100 in there wallet/purse on Friday and come Monday morning they have $2-3 and have no idea where it went. There are people who look at their bank account and see $100 and then write 3 checks for $100, they spend the same money in several places. My ex did that frequently. He needed the envelope system. Not speaking poorly of him, he’s just a good example of how important the visual of seeing the money in that category in hand was.
The goal is to have the money from your paycheck go directly to your savings account where you are saving up for something. You learn to live on the balance that is deposited into your checking. No letting the money’s presence in your checking account be a temptation.
I started my savings program using the envelope method. It totally worked for me. Like you, physically manipulating my money showed me what things really were. I've now switched to a special savings account and I keep a monthly excel spreadsheet of all the "envelopes " in the account. It's a form of physical manipulation and keeps me focused on my goals. 😊
@@sw6118 or forget what it is set aside for.
Like they said, you have to do what works for you. If you can only control your spending by having cash then that’s what you should do but eventually you will learn self control.
Best wishes and prayers to Hope!
Sending prayers for Hope to have a fast and full recovery.
I just wanted to let you know Hope that your hair looks so beautiful up !!!!!
Oh yes i am ready to save more and more money $$$. Thanks for sharing... xoxoxo...
I just paid off my only credit card I have for the 3 time. Now I am taking that money and putting it toward my roof loan plus the monthly payment was on my credit card. I will be debt-free. I am going to try to do this in six months which I know I can if I give up all the little things I’m throwing away on my money my wants not my needs.
Also no spends days you don't spend any money I do it
how did i get here from the bills vd chiefs divisional game? idk but glad i found this
We have practiced #3, continual learning, with more and lesser emphasis for years. In today's lingo it would be more along the lines of being "self sufficient" but we have seen it more along the lines of being able to do more for ourselves, adding a skill set, expanding on a skill set, or learning additional things we can do with the tools and equipment we own. When going beyond our comfort zone for skills and equipment/ tools sets we have generally although not always, started small with "carefully sourced" (free is always nice) materials and projects which will work with all those hand crafted imperfections. Translated, this has often meant meeting wants more so than needs although this doesnt mean that the want wasnt functional. When living frugally, meeting wants for almost for free is more important than many realize.
Yes I am ready to save money.
Love you hair up
Looks great
A broken arm in 3 places does not sound like a lark in the park.
I needed that big green pile of cash mistake! I should be getting a work bonus soon and find myself stuck on what to spend it on - I have too many choices! Namely Bill, Bill Jr, Bill III, Bill has a long lineage 😂 BUT what I need to do is simply save it. I may even setup a new account with it.
If you have debt, consider paying down debt. It can reduce the monthly bills by either wiping out a debt and eliminating a minimum from the budget. Or, it can reduce a debt enough to reduce its minimum which again reduces the mandatory outgoing on a budget.
Larry you look great in that new haircut
Question about your emergency fund - Do you keep your emergency fund money separate from your "furnace repair" money or do you keep a sinking fund for the furnace?
OK, need some thoughhts here, age 66, failing health, need to leave sister in better financial health, thinking life insurance, any thoughts or advice?
Yes I’m ready to save money👍
Sorry to hear about Hope. Did she need surgery. She’s a young healthy woman and will recover soon. All my best to her and thank you for holding the fort and taking care of her. Martha from Miami .
🤔😒🤪
I am praying for your healing.
Praying
The same here. No need to have a credit card debt. Cook at home, buy only what you need, it is possible to do it.
❤
Can't wait ❤
Debt free , I dod it by not spending a 5 dollar bill or lower. Every moth that money went to my debt. I now won't spend a 10 dollar bill or under. That money goes towards Christmas., and a cd to myself.
YES I'm READY to save money 💰 😊
From Kingsville, Ohio ❤ 🎉😊
Good that you guys do that in America. In Europe being debt free is the concept most people grow up with. We were shocked learning how much buying on credit is normal in America. I always thought Americans are wealthy, but knowing it's all on debt... Europeans usually have small er lifestyles and all rather paid or paid as fast as possible. Because the mindset is like that among people. Definitely sth to learn from.
I recently started using the 50 30,20 budget rule
well, we feel really bad for Hope. One good thing is if it is true that things happen in threes, you got it done with three breaks all at once. I have broken my arm two different times. So I have an idea how much it hurts. We will miss you while you are out, and we will look forward to seeing what Larry comes up with. A & B
So sorry to hear about Hope's arm😮
As a Xennial (cusp of gen x and millennial), it feels like even this stuff is beyond my means. All the decent jobs left my area years ago and those of us who didn’t have wealthy families got stuck working low-wage jobs. Retirement is a pipe dream for most folks I know. Getting a skill is a dream because the cost of education is so high. I save what I can, but it’s getting harder and harder.
I can identify with what you're going through, having lived it 45 years ago. Have you ever considered going to a public Vocational Tech school? Not a private one, but public if there is one in your area. Plumbers, electricians, welders - they make scads more money than most college grads and the schooling costs less. This may not be something you can do, but I thought I'd put it here anyway in case it can help someone else who sees it.
As for you and your problem, check out Prepper Princess if you haven't already done it. She shows how you can live on $1000 a month. You won't want to do everything she does, but you'll get some good advice.
Praying for your family. I hope, that Hope is resting comfortably.