Thank you for sharing this!! We are in a similar situation. My husband is active duty Marine Corps...I'm a SAHM now. We are about 80% done with our debt snowball. Hoping to finish paying off our $50,000 debt by the end of the year!
Wow this gave me so much hope! Any tips? We are focusing in our consumer debt and is about $36,000! I want to be at the end! But from my calculations it should take 3 years. He is a Marine too
Kristin, really motivating story. It's always great hearing peoples stories to get out of debt. Way to go setting yourself up well for your financial future!
I think that God was with you and your husband, when you were both ready to listen. Thank you so much for sharing. I've also gotten out of debt and then back in. Now i'm paying my debts off for a second time; the first time with the help of Consumer Credit Counseling and this time with Nat'l Debt Relief.
I LOVE your honest approach. I find so many videos that are all smiles and giggles.... some person saying pay your bills.... ugh. Your honest approach is the best. We are down to just under 1,000. We started 6 years ago with about 15,000.
Nobody wins in an MLM. When you said network marketing I immediately thought MLM - they are predatory. You are NOT a failure if you can't make it work, they are designed to make you fail then think YOU are the problem so you spend more money. Check out some income statements on MLMs, MOST people don't make any money - and they doesn't include costs. Therefore it can be assume most people LOSE money. I could be wrong about the MLM but still good info to have about them, just say no to MLM!
Thank you for sharing your story. I can definitely relate. We paid off all of our credit card debt at the beginning of this year but didn’t stick with the plan. I’m embarrassed to say but we ended up back in debt by over 100k. Credit cards a 50k+ car loan, side by side, dirt bikes....oh goodness the list goes on and on. But I think your absolutely right that something has to click and I believe their is a right timing for everything. We are now on our debt free journey for the second and LAST time!!!! Good luck to you!!
Hi Kristin! Your story is great and very encouraging!!! I know what you mean when you say that there’s a black cloud over you or beside you.... I feel the same way; I make pretty good money, and because of my bad behavior with it, I’m paycheck to paycheck, chasing every little penny... that’s what brought me to CZcams to try to learn and pay off my debt and start fresh with no strings attached. Your videos are great and full of workable tips! 😃👍. I’m done-As Dave Ramsey says....!! Enough is enough, I have to make it work!
So appreciate your sharing your story. I think the key to it is “you didn’t change your spending habits “. But now you did. That is the key if we don’t change them we will continue to go into debt. It’s s mindset n you found yours. Totally love your honesty n transparency. we are going into our 60’s n didn’t save or prepare for the future retirement but I’m trusting God that we will learn through “Financial Freedom “ how to get prepared n get rid of our debt. God bless you for sharing!❤️
Thank you for sharing...I read the total money makeover and listen to Dave Ramsey everyday and watch his CZcams regularly have helped me focused on my journey on paying off my credit card..I don’t shop and eat out anymore even for my birthday my husband wanted to take me out I said no Cause I know it’s gonna cost us at least $100 besides I am a great cook lol...eating out usually disappointing and too expensive. We have no mortgage no car payments and no credit cards debt, but I cook every meal and haven’t gone shopping in months except for groceries, I make a list when shopping and stick to it. I told my friend about my journey and progress I think it keeps me honest to myself. I know it seems forever and soo hard but you can do it! Like Dave said “live like no one else now so you can live like no one else later”.
Thank you so much for this video. I have a really hard time with setbacks and keep constantly beating my self up about some mistakes I have made on this journey and that just makes things so much worse. This video really helped me see that setbacks will happen sometimes and I will just have to power trough and keep on going
Kristín Unnsteinsdóttir Just keep going! You are completely normal! It’s tough to not get discouraged when you have a setback. Give yourself grace and start again the next day. You got this ❤️
Thank you for sharing your debt journey! I am just starting mine. I feel quite overwhelmed of how to even begin, I am already behind on some bills so I feel as if I am drowning before I can begin to start my budgeting. But I know this is what I have to do.
Yes, it can be really overwhelming at first, but good for you for starting, b/c it won't get any easier by avoiding it! Just take it step-by-step...you got this!!
Thank you so much for your honesty kristen. I really appreciate that! It takes a lot of courage to speak about ones financial problems but because of doing so, you help me and others SO much! ✨ I really enjoy your videos. Please keep going and never give up ☺️ greetings from Austria 🇦🇹
Really enjoyed hearing your story, the road to being debt free is a bumpy one as we overcome different obstacles and it is inspiring to hear how someone else is conquering them. Way to go!!
I can so relate. I have always been on my own and I have always worked 2-3 jobs. I lost my FT job in 2012 and PT in 2015. Luckily, I’m a yoga instructor and took that on FT. It’s been a struggle like yours and the paying the minimum and using that balance to get me through the month. Very unsettling
Thank you for sharing your journey! We have had this happen several times over the years but staying focused we always come through it with God’s help. Praying for you and your family much success and happiness as you reach your goal.
Thanks for sharing your story! Your openness and honesty about your life and struggles is refreshing! It takes time to be debt free... so thank you for encouraging others not to give up when things get hard!
Thank you so much for sharing your story. It was a truly touching and an overwhelming experience for me; often leaving a gulp in my throat. I sincerely hope you have been able to get rid of all your debts by now. You and your husband both seem to have kept your head up high and have immense integrity... what a journey together ! Stay blessed. Love and best wishes from Pakistan
I have only just started my debt free journey to rid myself of 11,000 iof debt, about to make my second budgeted payment, it already feels better seeing the number reduce :) Cannot wait to be free of it!
Yes! I can so relate. My husband and I paid off all of our debt 4 years ago after he received a settlement. We didn’t change our habits though and ended right back in debt. We started the baby steps March last year and we’re almost 1/2 way through bs2. Now we budget every month, use cash envelopes and sinking funds. Like you said, something just clicked and I know once we pay off the debt this time there’s no going back. Thanks for sharing! I follow you on IG and recently subbed your channel. 😊
Hi Tracey, thank you for sharing! Ahh, that must've been tough but I'm so glad to hear you guys are back on track and definitely sounds like it will stick this time! Thank you so much for watching and subscribing!
I wish that schools had mandatory classes on these subjects for high school seniors or even classes other than just economics in college. When my husband and I got married we have no debt and weren't making a lot but we seem to be able to buy anything that we wanted to and the first thing I did was go and get a bunch of credit cards. This still wasn't a problem for about seven years and then my daughter was born. And if I had been wise enough in those first seven years stash away everything that we made in excess of our mandatory payments we could have saved quite a bit of money to help us during the time that I was off work when my daughter was born and wasn't getting paid during that time. We did manage with that but as the years went by and we bought a house that required a lot of work we got into debt and we had a second daughter. The interest rate on our house was up around 12% back in that time and the Air Force Base we worked at was being closed and in order to keep our jobs we had to transfer to Texas. We weren't able to sell our house and had to turn it over to the government losing all equity but the trade-off was we did not have to make any more payments on it and they would sell it. So we moved to Texas and bought a nicer home at a lower interest and our payments were smaller than before but we were having to start over on a 30-year mortgage. We could have again started saving and paying off all credit cards but we needed to furnish our new house and the credit cards were there and so easy to use. To cut to the big problem, my husband lost his job and I had depression with panic and anxiety and had to take a disability retirement. Our income was cut 75% and we still owed $40,000 on our house. My little income could not pay our bills and the house payment so my husband took the last of the money his parents had left him and paid off our house. it took two years for him to get back into employment and wasn't making anything close to his previous job and we ended up with $140,000 in credit card debt. It seems like since that time I have been obsessed about our debt. We went through all of our savings bonds and I had to cash in my retirement accounts early and we reached the point where we had nothing left in savings and kept making payments as we could.Skip to now. We are now both retired and in our mid-60s am I have a positive outlook because we are down to about $15,000 in credit card debt. It has been a long road because I started working when I was 21. I have also gone to a cash-only basis and I'm using the snowball method to work on are remaining debt. I have enough in savings to pay it all off but I'm holding that for emergencies plus we are raising two grandsons. Today I paid off a credit card I have been paying on for 12 years. I have learned I can go in a store without buying anything. I have started saving All My $1 bills and change and maybe we'll save enough to take the boys on a vacation in a couple of years. But I do feel like I lost about twenty years of my life with the debt hanging over my head. You are still very young and can be a success story at a much younger age than we are. I was left a small amount of money from my uncle and from my parents and that is the only reason I have money in savings. if I could go back and start over this would definitely be a different story. But for now I believe the light at the end of the tunnel is not a train anymore. I wish you and your family the best on your debt payment Journey. I'm sorry this was so long.
Celia, wow, thank you for sharing your story with me!! It’s pretty amazing that you are still committed to becoming debt-free. It’s very sad how easily we can fall into such a mess over time and how difficult it can be to get out! I completely understand how you feel, I tell my husband all the time that I feel we wasted the first 15 years of our marriage...but there’s not much we can do about that! We are debt-free now and intend to stay that way an hopefully be a good example for our kids on what not to do!! Xx
Hey! Yes a little over a year later I am watching this.... 4 mins in and I'm already saying THANK YOU. Thank you for saying hey we weren't even living a lavish lifestyle! That's what I've struggled with during my journey. I am very basic and not high maintenanced. So where do I cut cost!? lol Thank you for your video and honesty!!
I have been completely out of debt at least five times (with the exception of my mortgage). I always seem to slip back in. It starts gradually and turns into a snowball.
It can definitely snowball both ways! I think it’s sometimes harder to stay out of debt than get out of debt. I think it comes down to changing your habits bc you can pay off debt but if your habits aren’t changed those habits will push you right back in.
You were never out of debt . Your business debt is always personal debt in the banks eyes . So to be honest you we’re never debt free. You just paid half of your debt off that in your eyes saw as personal debt . Great story and good luck
Yes, I see what you’re saying. I think the thing was that since the business was making the payments and we thought that would continue and the business could pay it off completely in the near future that it would never come down to us having to pay it off with our personal money...thanks for watching!
OMG! I just did discover your channel and this video brings tears to me as I’m currently living the same story with my man and I’m searching inspiring-motivating story and I so much related to yours. Thank you for sharing your story, tips and tricks. I’m gonna jump into ALL your videos. Lots of ❤️ from Switzerland 😊🇨🇭
Great video! Great advice to help pay off my debt! Thank you so much and all the best to conquer your debt! If you’ve done it once, I’m sure you can do it again. This will help me seek help to pay my debts. Again thank you for sharing your story 👍👍👍
I like your frugile videos in general. But I think its wrong you dont give credit or mention Dave Ramsey although most of the material he trademarks...that you reference.
May I asked what is your zodiac? Second did you ever get to start your own work from home business? I am a single mom and that's my dream too but I am horrible at Money Management plus I need to find extra side hustle online with this awful 9 to 5, I have.
I’m a Capricorn ♑️ and yes, my business includes my blog, CZcams channel and Etsy store. There are so many ways to make some money on the side! Think about your hobbies or things you enjoy doing then search online for ways you could monetize them!
@@KristinStones: Wow, Capricorn women have a strong mindset towards what they want like Leo women. Now I see why you are able to make a decision and stick to it.
Best advice that ive remembered is "save a dollar today and it will save you tomorrow". Thankyou for your story very motivational!
That’s great, don’t think I’ve heard that one before...thank you!!
If you are a believer, really when I make sure I pay my tithe I see a difference. God promises to rebuke the devourer.
Thank you for sharing this!! We are in a similar situation. My husband is active duty Marine Corps...I'm a SAHM now. We are about 80% done with our debt snowball. Hoping to finish paying off our $50,000 debt by the end of the year!
Military Wife Life That is so great!!!!! Way to go and thanks to your husband for his service (and to you for your sacrifice)
Wow this gave me so much hope! Any tips? We are focusing in our consumer debt and is about $36,000! I want to be at the end! But from my calculations it should take 3 years. He is a Marine too
update?
Thanks for sharing. U inspire us and show us that its possible and there's light at the end of the tunnel.
There definitely is...thanks for watching!!
Yup! A little dedication and intention 💓✨
Kristin, really motivating story. It's always great hearing peoples stories to get out of debt. Way to go setting yourself up well for your financial future!
Thanks for watching ❤️
I think that God was with you and your husband, when you were both ready to listen. Thank you so much for sharing. I've also gotten out of debt and then back in. Now i'm paying my debts off for a second time; the first time with the help of Consumer Credit Counseling and this time with Nat'l Debt Relief.
I think so too! Good for you, sending you some positive vibes for your journey!
Laverne Webb can I ask you if it’s hurt your credit to use these services?
I LOVE your honest approach. I find so many videos that are all smiles and giggles.... some person saying pay your bills.... ugh. Your honest approach is the best. We are down to just under 1,000. We started 6 years ago with about 15,000.
Thank you so much, I appreciate that! That's amazing...you're almost there!!!!
Nobody wins in an MLM. When you said network marketing I immediately thought MLM - they are predatory. You are NOT a failure if you can't make it work, they are designed to make you fail then think YOU are the problem so you spend more money. Check out some income statements on MLMs, MOST people don't make any money - and they doesn't include costs. Therefore it can be assume most people LOSE money. I could be wrong about the MLM but still good info to have about them, just say no to MLM!
Thank you for sharing your story. I can definitely relate. We paid off all of our credit card debt at the beginning of this year but didn’t stick with the plan. I’m embarrassed to say but we ended up back in debt by over 100k. Credit cards a 50k+ car loan, side by side, dirt bikes....oh goodness the list goes on and on. But I think your absolutely right that something has to click and I believe their is a right timing for everything. We are now on our debt free journey for the second and LAST time!!!! Good luck to you!!
Kelly Little Aw don’t be embarrassed!! The important thing is that you got back on track!!! Best of luck to you!
It is only human to make mistakes, don’t be hard on yourself. There are millions of people who are in denial about there debts. You will get there!
Kate Kaden brought me to your channel.Glad she did I like your truth-so cool how relatable this channel is.
Thank you so much, Alyce, I’m so glad to hear that!
Hi Kristin! Your story is great and very encouraging!!! I know what you mean when you say that there’s a black cloud over you or beside you.... I feel the same way; I make pretty good money, and because of my bad behavior with it, I’m paycheck to paycheck, chasing every little penny... that’s what brought me to CZcams to try to learn and pay off my debt and start fresh with no strings attached. Your videos are great and full of workable tips! 😃👍. I’m done-As Dave Ramsey says....!! Enough is enough, I have to make it work!
That’s great, Katherine! I believe that when you get to that point then you’re able to make some major changes! One step at a time ❤️
If you are spender a credit card is not your friend, you need to use cash even if it costs you a couple of percent back to fill the purchases.
Thanks Chris, we do use cash and are debt-free now :)
I do not think that you failed: you learnt a lot and stood by your responsabilities. Congrats and hope you become debt free soon.
marta ehulech Thank you for the well wishes, Marta!
So appreciate your sharing your story. I think the key to it is “you didn’t change your spending habits “. But now you did. That is the key if we don’t change them we will continue to go into debt. It’s s mindset n you found yours. Totally love your honesty n transparency. we are going into our 60’s n didn’t save or prepare for the future retirement but I’m trusting God that we will learn through “Financial Freedom “ how to get prepared n get rid of our debt. God bless you for sharing!❤️
Thank you Cathy! I hope you are able to as well ❤️
Thank you for sharing...I read the total money makeover and listen to Dave Ramsey everyday and watch his CZcams regularly have helped me focused on my journey on paying off my credit card..I don’t shop and eat out anymore even for my birthday my husband wanted to take me out I said no Cause I know it’s gonna cost us at least $100 besides I am a great cook lol...eating out usually disappointing and too expensive. We have no mortgage no car payments and no credit cards debt, but I cook every meal and haven’t gone shopping in months except for groceries, I make a list when shopping and stick to it. I told my friend about my journey and progress I think it keeps me honest to myself. I know it seems forever and soo hard but you can do it! Like Dave said “live like no one else now so you can live like no one else later”.
Wow! Good for you, that’s wonderful! Thank you for the encouragement, we finished paying everything off except for our mortgage in September :)
I’m so happy I found your channel. Your story is so inspiring and you keep it real. Now to catch up on some of your other videos.
Thank you so much, Sherry!!
Thank you so much for this video. I have a really hard time with setbacks and keep constantly beating my self up about some mistakes I have made on this journey and that just makes things so much worse. This video really helped me see that setbacks will happen sometimes and I will just have to power trough and keep on going
Kristín Unnsteinsdóttir Just keep going! You are completely normal! It’s tough to not get discouraged when you have a setback. Give yourself grace and start again the next day. You got this ❤️
Thank you for sharing your debt journey! I am just starting mine. I feel quite overwhelmed of how to even begin, I am already behind on some bills so I feel as if I am drowning before I can begin to start my budgeting. But I know this is what I have to do.
Yes, it can be really overwhelming at first, but good for you for starting, b/c it won't get any easier by avoiding it! Just take it step-by-step...you got this!!
Thank you so much for your honesty kristen. I really appreciate that! It takes a lot of courage to speak about ones financial problems but because of doing so, you help me and others SO much! ✨ I really enjoy your videos. Please keep going and never give up ☺️ greetings from Austria 🇦🇹
Eli thanks so much for the kind words, it makes me so happy that you feel my videos are helpful to you ❤️
Really enjoyed hearing your story, the road to being debt free is a bumpy one as we overcome different obstacles and it is inspiring to hear how someone else is conquering them. Way to go!!
Linda B Thank you so much Linda, I appreciate that!!
I can so relate. I have always been on my own and I have always worked 2-3 jobs. I lost my FT job in 2012 and PT in 2015. Luckily, I’m a yoga instructor and took that on FT. It’s been a struggle like yours and the paying the minimum and using that balance to get me through the month. Very unsettling
Keep going, don’t give up, you will get there!!
Thank you for sharing your journey! We have had this happen several times over the years but staying focused we always come through it with God’s help. Praying for you and your family much success and happiness as you reach your goal.
Dorothy Graybill Thank you! And the same to you and your family!!
Thanks for sharing your story! Your openness and honesty about your life and struggles is refreshing! It takes time to be debt free... so thank you for encouraging others not to give up when things get hard!
Maria Landers Thank you! I appreciate that!!
This sounds so much like me! Good intentions with money but just...no plans or direction. You have done so awesome!
Thank you! We still have a wayssss to go 😃
Thank you so much for sharing your story. It was a truly touching and an overwhelming experience for me; often leaving a gulp in my throat. I sincerely hope you have been able to get rid of all your debts by now. You and your husband both seem to have kept your head up high and have immense integrity... what a journey together ! Stay blessed. Love and best wishes from Pakistan
We have! We are now debt-free except for our mortgage. Thank you for your sweet words ❤️
Totally agree about the timing of things is important. Love the story, thank you!
WFPB Maggie Thank you, I really do believe it!!!!
I have only just started my debt free journey to rid myself of 11,000 iof debt, about to make my second budgeted payment, it already feels better seeing the number reduce :) Cannot wait to be free of it!
That's so great, good for you!! It really is fun seeing those numbers change each month!
Yes! I can so relate. My husband and I paid off all of our debt 4 years ago after he received a settlement. We didn’t change our habits though and ended right back in debt. We started the baby steps March last year and we’re almost 1/2 way through bs2. Now we budget every month, use cash envelopes and sinking funds. Like you said, something just clicked and I know once we pay off the debt this time there’s no going back.
Thanks for sharing! I follow you on IG and recently subbed your channel. 😊
Hi Tracey, thank you for sharing! Ahh, that must've been tough but I'm so glad to hear you guys are back on track and definitely sounds like it will stick this time! Thank you so much for watching and subscribing!
I'm so happy for you guys! Keep up the good fight!
Thank you!!
Amen to the timing part ✨💓
Welcome to debt free CZcams! Love to hear your story.
Celt & Kiwi Thank you so much!!
Thank you for being so honest! Totally inspiring!
Alyssa S Thank you so much!!
Thanks for all the realness!!
Thank you ❤️❤️
I wish that schools had mandatory classes on these subjects for high school seniors or even classes other than just economics in college. When my husband and I got married we have no debt and weren't making a lot but we seem to be able to buy anything that we wanted to and the first thing I did was go and get a bunch of credit cards. This still wasn't a problem for about seven years and then my daughter was born. And if I had been wise enough in those first seven years stash away everything that we made in excess of our mandatory payments we could have saved quite a bit of money to help us during the time that I was off work when my daughter was born and wasn't getting paid during that time. We did manage with that but as the years went by and we bought a house that required a lot of work we got into debt and we had a second daughter. The interest rate on our house was up around 12% back in that time and the Air Force Base we worked at was being closed and in order to keep our jobs we had to transfer to Texas. We weren't able to sell our house and had to turn it over to the government losing all equity but the trade-off was we did not have to make any more payments on it and they would sell it. So we moved to Texas and bought a nicer home at a lower interest and our payments were smaller than before but we were having to start over on a 30-year mortgage. We could have again started saving and paying off all credit cards but we needed to furnish our new house and the credit cards were there and so easy to use. To cut to the big problem, my husband lost his job and I had depression with panic and anxiety and had to take a disability retirement. Our income was cut 75% and we still owed $40,000 on our house. My little income could not pay our bills and the house payment so my husband took the last of the money his parents had left him and paid off our house. it took two years for him to get back into employment and wasn't making anything close to his previous job and we ended up with $140,000 in credit card debt. It seems like since that time I have been obsessed about our debt. We went through all of our savings bonds and I had to cash in my retirement accounts early and we reached the point where we had nothing left in savings and kept making payments as we could.Skip to now. We are now both retired and in our mid-60s am I have a positive outlook because we are down to about $15,000 in credit card debt. It has been a long road because I started working when I was 21. I have also gone to a cash-only basis and I'm using the snowball method to work on are remaining debt. I have enough in savings to pay it all off but I'm holding that for emergencies plus we are raising two grandsons. Today I paid off a credit card I have been paying on for 12 years. I have learned I can go in a store without buying anything. I have started saving All My $1 bills and change and maybe we'll save enough to take the boys on a vacation in a couple of years. But I do feel like I lost about twenty years of my life with the debt hanging over my head. You are still very young and can be a success story at a much younger age than we are. I was left a small amount of money from my uncle and from my parents and that is the only reason I have money in savings. if I could go back and start over this would definitely be a different story. But for now I believe the light at the end of the tunnel is not a train anymore. I wish you and your family the best on your debt payment Journey. I'm sorry this was so long.
Celia, wow, thank you for sharing your story with me!! It’s pretty amazing that you are still committed to becoming debt-free. It’s very sad how easily we can fall into such a mess over time and how difficult it can be to get out!
I completely understand how you feel, I tell my husband all the time that I feel we wasted the first 15 years of our marriage...but there’s not much we can do about that!
We are debt-free now and intend to stay that way an hopefully be a good example for our kids on what not to do!!
Xx
Great story. Remember, paragraphs are your friend. 👍😁
Thank you for sharing your story!
Thanks for watching!
Love listening to your story on here and on IG! Keep up the great video content 😁
Amy Williams Thank you so much ❤️
Hey! Yes a little over a year later I am watching this.... 4 mins in and I'm already saying THANK YOU. Thank you for saying hey we weren't even living a lavish lifestyle! That's what I've struggled with during my journey. I am very basic and not high maintenanced. So where do I cut cost!? lol Thank you for your video and honesty!!
I have been completely out of debt at least five times (with the exception of my mortgage). I always seem to slip back in. It starts gradually and turns into a snowball.
It can definitely snowball both ways! I think it’s sometimes harder to stay out of debt than get out of debt. I think it comes down to changing your habits bc you can pay off debt but if your habits aren’t changed those habits will push you right back in.
I love the story... thanks for sharing!
QT 297 Thank you!! And thanks for watching :)
I hear so much of our own story in yours! Thanks for sharing!
Goad Life Thank you for watching ❤️
Thank you 🙏 and God bless you
Thanks so much for watching!
You were never out of debt really. You just looked at it as separate.
You were never out of debt . Your business debt is always personal debt in the banks eyes . So to be honest you we’re never debt free. You just paid half of your debt off that in your eyes saw as personal debt . Great story and good luck
Yes, I see what you’re saying. I think the thing was that since the business was making the payments and we thought that would continue and the business could pay it off completely in the near future that it would never come down to us having to pay it off with our personal money...thanks for watching!
OMG! I just did discover your channel and this video brings tears to me as I’m currently living the same story with my man and I’m searching inspiring-motivating story and I so much related to yours. Thank you for sharing your story, tips and tricks. I’m gonna jump into ALL your videos. Lots of ❤️ from Switzerland 😊🇨🇭
I’m so glad you are here ❤️❤️❤️
Thanks for sharing and being so honest, great job and very inspiring as I start my debt free journey 😀
Thank you! Congrats on starting!!!
So relatable. thanks for sharing.
red zilla Thanks for watching!
Great video! Great advice to help pay off my debt! Thank you so much and all the best to conquer your debt! If you’ve done it once, I’m sure you can do it again. This will help me seek help to pay my debts. Again thank you for sharing your story 👍👍👍
Thank you so much! Best of luck to you, I’m happy to year you are going to get it paid off!
*CASH IS GOLDEN*
Thank you so much for sharing. I really need to heard today
Thanks for watching ❤️
Amazing!
Thanks for watching!
Thank you
❤️❤️❤️
New here! Can’t wait to watch your videos!
Amanda M Thanks Amanda! I’m so glad you’re here :)
Everything you said is so relatable! I couldn't agree more! We are just starting our journey to become debt free! I enjoyed listening to your story!
hamptonn11 Thank you so much and congrats for getting started!!!!!
You look like Mariah Carey ! Love your channel!
Arainea CuteBrownNurse Thank you so much! And whoa! I never heard that one before!!!
SO relatable! I'm also starting a youtube channel and am so excited to do this and share my journey!
Thank you so much!! How exciting :)
So relatable!
Nancy Kay Thank you ❤️
Good Stuff
Inspiration ❤️
Thank you 😊
I like your frugile videos in general. But I think its wrong you dont give credit or mention Dave Ramsey although most of the material he trademarks...that you reference.
I talk about Dave a ton in a lot of my videos. He’s a huge part of my story...
Subscribed!
excellent video
Georgina Blackwell Thank you!!!!
Inspirational...thanks !
John Landy Thanks, John!!
I stopped crafting....
May I asked what is your zodiac? Second did you ever get to start your own work from home business? I am a single mom and that's my dream too but I am horrible at Money Management plus I need to find extra side hustle online with this awful 9 to 5, I have.
I’m a Capricorn ♑️ and yes, my business includes my blog, CZcams channel and Etsy store. There are so many ways to make some money on the side! Think about your hobbies or things you enjoy doing then search online for ways you could monetize them!
@@KristinStones: Wow, Capricorn women have a strong mindset towards what they want like Leo women. Now I see why you are able to make a decision and stick to it.
You lost your job during your pregnancy?..YIKES!! that is my biggest fear considering my whole family depends on health ins through my job.
Yeah, it definitely sucked, but thankfully I did not carry the insurance...that is a big responsibility!!