5 Tips to Get out of Debt QUICKLY in 2020! (Simple Living)
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- Опубликовано: 30 июл 2024
- We are not trying to brag or say we did it all right! But we have successfully gotten into consumer debt (over $100,000) and back out again. Today we share our favorite tips so that you can get out of debt quickly, too!
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$295k in student-loan debt • $295k in student-loan ...
We Paid Off $140,000 While Raising 11 Kids! • We Paid Off $140,000 W...
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THANK YOU for watching!! I also LOVE Darci Isabella's Debt Free Journey, she documented it REALLY well, find the playlist here: ruclips.net/p/PLp3H2B3c0jWGfY7KWaYd7tnonS-WZZwZT
The Minimal Mom love this!! Just encourages us to keep going! After starting this journey, I’ve never felt more confident and empowered.
I love watching Dave Ramsey too!! His program to getting out of debt really works, if you follow it! LOVE those debt free screams. This video is 100% on point! Thanks guys!! :)
This video has me in tears..there is hope for my marriage and children. Thank you Lord. I am doing this! ♥️
What's wrong with a prius? You're saving carbon emissions, important for your 4 kids that are faced with clinate change. It seems a weird American thing for a prius to be uncool. Forget what other people think _ it is super uncool to drive a gas guzzling truck. Check in with the rest of the world please and rethink it!
Is there a link for video for when you two got your Prius’ and tell how/why it’s part of the debt free journey?
I'm in baby step 6, single mom making $38,000 and I have one 1/2 years untill my house is paid off!!! I'll be on the Dave Ramsey show soon!
WOW!!! Hmm...maybe I should check this out.
Amazing!! Congratulations❤️
Wow!!! Congratulations!
Congratulations!
That’s awesome 👏🏼 congratulations in advance. We are aiming to pay off our mortgage in 5 years, only 170K to go.
I wish they taught all this everyday life needs in school.
Bills, mortgage , budget, etc!!!
Right!?!
When I went to high school in the 60s, it was called Home and Family Living. There are some school districts that require a class like that, but I believe it should be a required class for all high school seniors!
I bought my daugther a book called adulting when she moved in to her first app. She said she referred to it all the time. Esp about renting and leases/obligations. Also basic house skills. I read it and there were things I found helpful.
Danielle Johnstone agreed! I’ve always said they should teach this in senior year!!!
Danielle Johnstone Exactly!!!
When we turned 50 we were blessed to become debt free and be on Dave Ramsey radio program and scream...we are debt free!!! We are 65 now and our only regret was that we didn’t do it when we were young!!! Besides salvation it is the biggest life change!!
Anita Akin ❤️❤️🙌🏼🙏🏼
Amen, me too, but still on my debt free journey! Please keep me in your prayers.
Don't beat yourself up..I did the same...but its more important that you realize the past....that's priceless...I just go debt free after many years of buying a new car every 3 years...the money spent...oh well..looking ahead is good the past Is a learning experience
I'm 3 payments away from having my first of three credit cards paid off, & snowballing onto the next! I plan to be debt free by this time next year!
I just paid off the first of my three credit cards!
I hope you made it to your goal or dang close!! Don’t give up!!
@trista Leigh THAT IS AWESOME!!! Go u!
I hope you made it!
We are on baby step 2. The longer I'm a minimalist the more I think that minimalism and debt free living go hand in hand.
Stephanie Cranmer Yes, I totally agree!!
Yes!
5:01 is when Dawn said that Tom can buy any truck that he wants to buy. Let it be known! 😂
Hahaha, thank you April 😉♥️
A Tesla truck? 😂
That Tesla truck looks sweet! Cash flow it!! lol
Our big goal for 2020 is to pay off the HOUSE!!! 🤗 We’ve been doing Dave Ramsey’s plan for years!
Mandy Lynn Plans Amazing and congratulations!!! Keep up the great 👍 work!!
Mandy Lynn Plans that is amazing! Congratulations.
I love this Mandy!! Go!!!
👏👏👏
Just starting my debt free journey in Aug 2020. One day I'll be the one saying: my debt and mrtg has been paid off for! 🙏🙏
You guys are so right, that's exactly how I felt. My interest was so high on ALL my cards that I just couldn't keep up and year after year it was not getting any better. So
4 1/2 yrs ago is when I finally committed to making a change and actually as of last week
4 1/2 yrs later I made my LAST payment of 30k+ of debt. I finally feel like a mountain was taken off my shoulders. Now next is to finally commit to declutter 😨.
Awesome !!! How did you do this? Through a Dave Ramsey program? If so, which one ?
@@jeanne819 No, It was through a program called "Money Management International" I'm not exactly sure where they are located but I'm in NY but it was all done online except for the initial call to go over all the finances. They deal with your creditors and arrange a monthly $ amount you can do and it usually takes around 4 years depending how much debt you have. Hope this info helps.
@@lisarivers1438 thanks much !!! I chatted for hours with 3 different non profit credit counselors giving them every detail of my financial life and they could not reduce my credit card interest enough so didn’t go through with the monthly payment being deducted from my checking account - one told me my 8K Chase balance at 19 percent would drop to 2 percent and I was shocked ! I then get a package in mail and 4th page says Chase is 10 percent so someone not being honest ... will check out MMI they sound familiar / I’m also in NY !
I got into debt by no longer being able to pay my mortgage and bills.I had two strokes which I am glad to say did not affect me physicallt apart from I now sometimes drop things with my left hand. I do now have expressive dysplasia and struggle in crowds.I feel really blessed now as I was able to sell my house which I loved and did mot want to sell. Following much prayer I yielded and that is when God took over.I saw my current house on the Monday viewed it Wednesday and sold mine on the Friday. The bank was about to forclose on me .The immense feeling of relief I feel I cannot put into words. Even though I can't work now because I live frugally I want for nothing I need God is goodhe is my provider.x
We LOVE Dave Ramsey!! A friend gave us his book, Total Money Makeover, and we embraced it and had a total mind shift! It took us exactly 7 years from start to finish, but 3 years ago we paid off the mortgage! We had a mortgage burning party with our kids and yelled, "We're debt free!!!!!!!" So liberating! I made little charts and colored in the amounts, to stay motivated. Sometimes it felt soooo far away and daunting, but I just kept repeating Dave's quote.."Baby steps, all in the same direction, eventually get you where you want to go." :)
I remember the day I got debt free. We’ve never been in debt since! BEST DAY EVER!! so much less stress
Tom & Dawn, I'm so grateful for your encouragement and honesty. I use to be a financial disaster and could not see a way out from under all the debt. Like you I found Dave Ramsey and have been totally debt free for over 15 years. Also like you it has not been easy. But it is so worth it. I pay cash for my cars, own my home and have no credit card debt. I have $10,000 in my savings account for emergencies plus investments and now that I am retired I am not worried about my future. I've learned the difference between wants and needs. If you asked me 15 years ago if I was capable of doing this I would have doubted my ability. Just like Tom said, "anyone can do this...." God bless you, you are changing lives.
Our main goal is hitting FIRE (financially independent, retire early). Thankfully we're debt free besides our mortgage.
Isn't it crazy how cars have become part of people's identity?
Nearly 2 years ago we paid off our mortgage making us 100% debt free and we will never go back in debt again! We found our inspiration in scripture and kept that in front of us. Since then we’ve been doing some remodeling and upgrading in our home with cash. We have 5 children and are not even 40 yet. Truly by the grace of our Heavenly Father could we achieve this. He is so faithful! Dave Ramsey study was a huge stepping stone for us also.
You're not crying, I'm crying! Tears are actually flowing down my cheeks! I am so blessed that you two angels from heaven created this video! I've been on baby step 2, by myself for almost 2 years now. I really think I'll be able to get my husband on board though, after he watches this! We have those exact same conversations! Thank you both so much!
Praying for you
That's not easy at all, way to go and trusting your husband will come around!! 👍♥️
As soon as you showed the image of the Priuses, I thought "They're cool, they have Priuses!" Then you said "You don't feel cool driving a Prius". Wow, we travel in different circles. I see a Prius as not just helping the environment but also providing its owner independence from having to fill up with gas all the time. Thanks for the helpful video.
Seeing Cinythia and her family in this video even without the sound I cried because it’s my favorite DFS of all time.
Tom's too!!!♥️ He found it so I could include it 👍
April Nicole that was a total tear jerker for sure!!!
Cynthia has a wonderful story my favorite too.
As soon as I read the title, I guessed you might be Dave Ramsey people!
I love listening to Dave each day. 😀
This is THE BEST RUclips channel! It has everything: Minimalism, Family, Jesus, and Dave Ramsey. It aligns with everything in my life. I am so thankful for you guys and your content! Our church offered FPU in September 2018 and in the last year we got out of debt, saved our FFEF, paid cash for a new to us car, and now saving to pay cash for our first home! We will never go back into debt again.
YES! Love this! I would add #6, which is two-fold; stop caring what other people think of you & your things AND stop comparing yourself to others & the things they have.
Once I did this our whole world changed for the better. Our budget changed, our view of possessions and money changed, our whole financial future changed. Most importantly, the legacy we are leaving for our kids changed, in that what we're teaching our children about money and possessions became a totally different narrative than it was pre Dave Ramsey.
Amen!!!!!👍♥️👏
I used to watch Till Debt Do Us Part on tv and that helped a lot with seeing how to budget and what I really learned was don't compare to others, just because they drive a fancy car does not mean they have cash in the bank. I drive a 2008 Versa but we paid cash and it's super cheap to maintain. I've had it for 6 years and would never go back to a car payment.
I used to love that show and, back then, I was wishing l lived in Canada so she could help me with the finances l had at that time!
Huge Dave Ramsey fan here!
We're on baby step #2.
You are abs right that you need to get to an 'ah-ha, time to change' moment with debt. I accumulated £thousands of debt (over last few years) when i suddenly got very ill, had to stop working, went from a highly paid job to nothing, ran out of my savings over time and am single with an expensive mortgage. Rock bottom and miserable. Dave Ramsay is not known in UK but I found him, read his book and now on baby step 2. Happy days! Thx for this encouragement - all in God's timing!! You are such a great couple!!
My husband and I listened to Financial Peace University just before getting married 14.5 years ago. We were also fortunate enough to graduate college with no debt. But thanks to the FPU principles, natural frugal instincts, and friends on the same page, we feel like we actually have been "living like no else" even while "living like no one else." Praying we can pass the same ideals onto our daughters!
Love your hair!! It looks so great without the extension
Austin O young and chic 👍🏻
Thank you!!
I was going to comment too...love your hair Dawn 😍😊
Thank you from the bottom of my heart for speaking on this! We have been doing the Dave Ramsey plan for a couple yrs. It is so encouraging to hear your story. I'd love to see more videos on this.
We heard the Dave Ramsey plan years ago and we are still out of debt!!! Yay!!
These videos are going to change peoples lives. Thank you for sharing😀
I love this ! I have listened to a little Dave Ramsey. This has really hit at the right time. Please show more of how you keep track, calendar, spread sheet. That would be great!
It’s amazing how emotional this topic can be. I felt the same way. We’re on baby step 4 now!
Love that you are on this journey! We paid off our house about a year ago. It really is freeing to have no debt!
I love Dave Ramsey’s steps too. I’ve been listening to his show since 2012. I’ve read his books and attended his events too. I am on step 3B.
I have never commented on a RUclips video/channel but you have been such an inspiration for not only money changes but decluttering and healthy life choices. You guys are totally relatable and are so fun to watch. Keep up the great videos- you are amazing!
You too sound so real when you talk …. and I am very much encouraged. Thank you.
We’re in the debt payoff zone, and it’s exciting to see the snowball getting bigger and the universe providing so much along the way! Thanks for sharing 💕
You two are so cute! I love that you talk so honestly about the stress of money and the effects it has on a relationship. Thank you so much!
That is so awesome!! We have a HELOC that we have decided to put in Step 6, but we just got back into Step 3 after recovering from cancer and building an office space. I am determined to finally make it to Step 4 this time!!
You two are so cute how you talk and how your hubby looks at you. You can just see the love! Your a great team!
Watched tons of Dave Ramsay videos and followed a couple who were doing his baby steps. Created a spreadsheet and never looked back. I've always budgeted and never carried much debt but it is so worth it to get out of debt and stay there! Its called peace of mind to be able to pay every bill in full whenever it comes in in the month. I happen to love my spreadsheet too Tom!
The dedt free scream that your picked with the widowed mom is the best and definitely makes you cry tears of joy and happiness.
Thankyou, Thankyou, Thankyou for this encouragement!! Just read your blog post about getting out of debt last week. We are on Baby step 2. Got rid of $24000 in less than a year, on a low wage with a large family and a few periods of job changes and no work. But feel like we’ve lost traction and the next amount is insurmountable. Thanks for the inspiration. Minimalism definitely aids the debt free journey too! Again, soooh appreciate you both!!! ❤️
Everytime I watch one of your videos I notice an increase in your subscribers. So cool! Good people spreading a good message that is obviously needed by many. ❤️
Dawn & Tom,
THANK YOU for working together and for being a living testimony of getting out of debt. You both make such an awesome team, all around!!
Thank you! Love you all and your beautiful family!
Sarah
I’m so excited you all are Dave people!! We are on baby step 6 and I am a Ramsey Preferred Coach!! I love watching you guys. (Wife Amy)
You are such an encouragement! How refreshing to see such a happy couple and so obviously in love with eachother!
Your journey sounds really similar to ours. We did it, we had 1 student loan left and then a major life event happened and we dug ourselves another hole. I am super happy to say that our original debt free date was June 2020 and we paid off all our debt last month and still cash flowed the holidays! The joy is overwhelming. On to baby step 3!
Thank you for sharing encouragement and your story. I too have walked the journey and attest there's nothing like being debt free!
I love calendars and spreadsheets.
I'm the nerd. Hub is the free spirit. We've had a set back with medical bills but we are still trying to pay stuff off.
Way to go!!! ♥️
Thanks for sharing! I follow Dave Ramsey and went to meet him as well as volunteer for his stuff so I could attend free. I cry every time I watch the debt free screams! I'm in middle baby step 2. I love your channel!
I was a huge fan, now even bigger knowing you’re Dave Ramsey followers. Thanks for sharing your journey! We’re on Baby Step 6. 🙌🏻
I love the idea of downgrading and keeping the blinders in and stay FOCUS! Love your channel
UGH!! This made me cry!! My husband and I are in the process of payioff off debt right now, and it feels so hopeless when I look at the big numbers. Hearing this helps so much! I just need to watch this every week for the next two years lol.
I got out of debt by going into a total spending moratorium. I bought nothing but food and meds for a whole year. Then after that, I only bought the bare necessities after that. Nothing decorative or non essential comes in my home even though I'm debt free except my small, very low interest mortgage. It's easy now and it keeps me minimal. It's my permanent lifestyle.
BS 4,5,6 and debt free since January 2021. I also cry when I think about how crushing our debt was. 10/10 recommend.
We paid off over $111k just in credit card debt. Our total debt was about $500k. It took a very long time but was so worth it. Now, we own our home our cars and all our toys. It’s awesome!
Simple and debt free living definitely go hand in hand. I found your Channel because we have been on the Dave Ramsey plan almost 4 years now. Still getting out of debt, but such is life. Thanks for sharing!
This was really useful to me - I just started budgeting but at same I really feel I need to simplify our house. I felt overwhelmed and daunted. However with this video I finally properly realised that they go hand in hand. Thank you for the encouragement and for always being real and drawing on your own life experiences. Thank you xx
I'm so with you guys on Dave Ramsey! We've been debt free for just over a year and it's such a huge shift in your heart and life to be free from that burden!!! And I BAWL at the debt free screams too! 😭😭😭🙌🙌🙌
Just wanted to comment that I loved the flow of your conversation in the video. It had a natural give and take to it. And I always love it when Dawn laughs! You both appear to be natural on video a talent not many have! And I loved the content too.
thank you for sharing! I think I will have my husband watch this one as well. Really wanting to get rid of our debt completely asap
Please consider doing a video on how to get started when you're already living paycheck to paycheck
Melissa Hammersley Check out The Budget Mom on RUclips. I agree that Dave Ramsey is great, but The Budget Mom has been even better for me. She has a little different system that might be helpful for you.
You might also look at You Need a Budget (YNAB). Good luck!
@@rr8153 To piggy back on YNAB. It's an app which stands for You Need A Budget. It works, it helps you achieve your goals and gets you ahead of the game a month or two ahead of your Bill's. I've used it myself.
"Money does nothing;
people do everything."
(Michael Tellinger, author of
UBUNTU Contributionism:
A Blueprint for Global Prosperity)
@@MegOfBroccoli so the answer to being financially self sufficient is to get free stuff (housing, schooling, etc) and not learning how to manage the money and income that you have? I'm really asking. My husband and I are not, what you would call, "a privileged white couple" yet we've always made our own way with our own income. I would encourage others to do the same versus being dependent on free anything long term (if you need help for a season, no shame in that). Blessings to you.
Y’all are so awesome. Made me tear up. I did FPU, paid off student loans, CCs, bought a cash car, saved up a big chunk of 3-6M expenses. Then I got laid off for 11M. Got a job making a lot less, driving farther, and bought my very first new car 3M before getting laid off. Whew. It’s still a work in progress, never finished the baby steps. Good reminder to recommit. Also, I highly recommend 9-12M of expenses saved. Not only was I out of work but I have some major ongoing medical expenses (learned about GoodRx); only had to use part of savings. Anyway, there’s a lot more. Just wanted to say thank you.
We need this encouragement!
DAWN!! Oh gosh!! I literally never comment on RUclips but I HAD to come here and say THANK YOU!! We've been on the Dave Ramsey plan for about two years (BS2 has been a real struggle). I've been following your channel for only a couple months in my recent path to minimalism. I love your channel and your content. You are so relatable, down to earth, and honest. We JUST had to shell out $15,000 for plumbing repairs and I know pre-Dave Ramsey we would have panic and made minimum payments for eternity, but now we have a plan and it will be paid for in no time. Everything is a minor inconvenience or bump in the road instead of a tragedy!
We are paying cash currently for my husband to go through nursing school, we have tons of debt PLUS our house, we both work full time outside of the home. BUT we are thankful for this plan. Like you said, 5 years is going to go by either way, we need to be intentional with our actions!
Here's to being minimal and debt free!!
2020 is the year we start to tackle our debt. Goal is for 3 years. You are so right about following debt free social media. So many accounts are based on material things and consuming. Your channel and others keep me on track! Love your videos!
I loved this video, thanks for sharing some of your journey with us.
Dawn and Tom, I cannot love this enough! We got out of debt, using Dave's babysteps, besides our house in 2005 and should have the house paid off next year .. THIRTEEN YEARS EARLY!! It can be done if you refuse to make excuses and choose to delay gratification.
I’m screaming inside!!! Yes! Yes! I started minimalizing our home in June! The benefits and blessings have been more than I could’ve planned. Since November God has pressing my heart about finances and simplifying this area of our life. We are in debt. God has revealed so many incorrect ways of thinking about money. I couldn’t see these thoughts as wrong bc my house and mind were so cluttered. My husband and I are starting the talks to debt free living now. I know next Christmas our lives will look completely different. I know more of our money will be available to us. I know we will be freely supporting ministries that I wish we could give to but can’t right now. I know enjoying life without debt hanging over our heads is our future!! Thank you! I love this channel. I watch it faithfully everyday. You keep me decluttering a few things everyday. I’m constantly challenged!
Shawn-Del Cortese i love this!!! God knows the desires of your heart❤️ it’s going to be an amazing 2020🙌🏼
We have been Dave Ramsey fans for years and feel blessed to be debt free including the mortgage. Minimalism came after we were debt free and realizing we will have 50 years of my in laws stuff to clean out in the near future. I’m amazed at how minimalism has changed our budget. We travel more! We are able to give more and no longer stressed over the stuff we need to organize and take care of. I hope our children see the need for less by our example. Keep the great videos coming...you guys rock!
Congratulations to you both. My husband and I have lit the fire about getting completely debt free. We are getting close, we knocked off all the small bills out and are tackling our HELOC loan. We throw everything we can at it. Retirement is around the corner and we want zero debt. We'll continue step by step along with you to make our dreams a reality.
We are at step 6. We will be paying of the house this summer. I can't wait!
We too do the Dave Ramsey FPU (semi lol)...I have always been good with money and so was never on board for a lot of debt. Have put 2 kids thru college (1 out of 3 went into military) and have just 3 1/2 years left on mortgage. Yay! Thanks for sharing...this will help MANY ppl! "Live like noone else today so you can live like noone else tmr" LOVE THAT!
We were on Baby Step 3B. Saving for a house. And we just bought our very own fixer upper little homestead. Once we figure out payments and adjust, we will be moving onto BS4!!! So glad to be debt free (except for the house).
They totally go hand in hand! You guys (as a couple) are so much like my husband and I. My husband hates going grocery shopping and seeing how much we spend on food. Being debt free is totally worth it!
For Tom ... 5:03 😂🚛 We're 3600 away from debt free. Love these videos because it helps knowing we're not alone #livelikenooneelse
Way to go!!!!👏♥️👍
I'm am loving all the things I'm learning about you, your family and minimalism through your journey! My hubby and I are also huge fans of Dave Ramsey and simplification of finances and LIFE!!! Thanks for all you do!! You're an inspiration! Happy to have found you!!
We are doing the Dave Ramsey plan right now, and it is so freeing to see the debt melt away!! Thanks for the great video!
Great video. I recently followed Dave Ramsey's plan to get myself out of debt once and for all. I finished paying it off about a year and a half ago. I can't explain how much a weight it took of my shoulders when I paid off the last of my debt. It is doable! It is worth it!
I love your videos, and this one in particular is something that so many people need to hear. My family just became debt free at the end of November. We paid off $152,000 in 35 months. We've also had two daughters and a third baby girl will be here next week during this process. If we can do it, anyone can do it. Like you said, the time will pass anyway, and having a plan and sticking to it has allowed us to change our family tree for the princesses God has blessed us with! Thank you for being so encouraging!
I love Dave Ramsey! We are on Baby Steps 5 and 6. It is so worth it!
Way to go!!!! ♥️👍
Congratulations!!! I'm so happy for you guys! We also follow Dave Ramsey's plan and just finished step 3 (again...)!!!! Woooo hoooo!! We're onto step 4,5,6, and I'm so excited to start a sinking fund for house renovations!
Thank you for sharing! We are Ramsey fans too- and it’s nice to hear the ups and downs of real life!
Many years ago I started with the lowest balance and paid that off and transferred that payment to the next lowest balance. I continued that until everything was paid including my husband's debt. Years later he noticed I paid his debt. 😄
Thank you so much for this video. I have so much student debt and I am sort of a doctor (lol) but honestly don't know where to go going forward, still figuring things out. It's a nice reminder that time still marches forward and I can choose what to do with that time.
Thank you, this is very timely as I've set this as my goal for 2020. I've been looking for resources! Don't forget though, not everyone watching is in a couple. 😬 So I bumped #4 and made it Tom's "Stay focused' !
Love Dave Ramsey! Still on the "snowball" reduction plan. Seeing progress!!! And ofcourse - decluttering, buying less...
dawn, your facial expressions at 6:29 are the best! basically my face every time my husband and i have our budget meeting 😂 thank you both for sharing about your personal journey and for bringing budget discussions out in the open and not such a scary or taboo subject to talk about!
How appropriate the timing of this video! I am just starting to find a plan that will work for me. Please more financial videos!
We love Dave Ramsey Financial Peace too! We took the class when we were first married 11 years ago. We are so glad we did it! We were able to off my school loans in 2 years, and are now on step 4. We highly recommend it!
Hands down the best thing that happened to us was finding minimalism October 2018 & Dave Ramsey September 2018. Took us 8months of no spend to get out of debt & watching your video made me tear up a couple times because the journey was SO hard but in the end SO rewarding!! We’re working on cash flows for important home improvements now but we’re on step 3 also!!
I love your Chanel, many blessings!!
I've been watching you guys for a little while. Today I subscribed. You're a great couple with good advice and you come across very genuine. Thx!
I just found you yesterday and have been binge watching your delightful, entertaining, useful, inspiring videos. Thank you so much.
I won a free Finacial Peace workshop for my husband and I to attend. It was amazing and a total change of perspective. We started and changed spending habbits, got rid of extra things creating cost, cut credit cards up ect. But we didnt fully finish. Lost focus That was like 5 years ago? Then at some point we got 2 new credit card ....Last month we talked about trying agian and recommitting to the program. Part of our plan for getting rid of our small debt is to combine it with minimalism so i can sell things to end up with less stuff and get that small card to negitive balance! Thanks for reminder!!!
You 2 are amazing!! You have no idea how much you have changed my life 🥰 I love all of your videos😇
Thank you so much ♥️😊
You don't even know how badly I needed this video. Thank you!
Thank you so much for this! I have put off watching because my head was in the sand! My husband is disabled and I felt like I couldn't do this! Thank you again 👍
Hi, I love your videos and you have a wonderful family. It has been 1 year since we paid off the mortgage. I always listened to Dave Ramsey on my way home from work and would tell my husband about the debt free screams. I would listen to how everyone said it was freeing to be out of debt and I kept wishing for that feeling. I always did the bills and would try to get things paid off, but since we were not doing the bills and budgeting together, it was easy for my husband to buy stuff. So we sat down together and worked on things together. We went on a “no buy” budget, ate all meals at home, used coupons for everything (if it wasn’t on sale AND no coupon, it didn’t come home). I didn’t keep track of how long it took or how much debt we were in, I could tell you how much the mortgage was! And we have had the wonderful “free feeling” for one year and it is awesome. We have been able to help others, give meaningful donations to our favorite charities, and save lots of money for retirement. And we are now taking “baby steps” to get rid of the stuff we do not need. Anyone can do this, just take one step at a time.
Love this video❤️❤️❤️ We have been following the Dave Ramsey plan for years and we love it!!!
I love Dave Ramsey's debt free plan! We didn't do it in a very organized manner, but we did do a lot of what he recommends....and we are now debt free except for our incredibly small $35,000 mortgage. We haven't used credit cards in years, and we dont take loans anymore! We buy our used cars for cash from private sellers. We never have to worry about our utilities getting shut off, or having to decide between food and our bills. Its a GREAT feeling!!!!
Congrats! Being out of debt is life changing. We're on step 3 as well! :)