How We Stopped Living Paycheck to Paycheck
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- čas přidán 22. 07. 2024
- How we stopped living paycheck to paycheck. This is our story on why we made the decision to stop living paycheck to paycheck, and how we did it. You don't have to live paycheck to paycheck. If you are serious about making a change, you can do it.
Debt enslaves you. Steals your freedom of choice and prevents you from building wealth. That's why we'll never borrow money again, and have committed to live debt free. We're changing our family tree, one baby step at a time, thanks to the teachings of Dave Ramsey.
What are the Dave Ramsey Baby Steps • What are the Dave Rams...
To stop living paycheck to paycheck: Face your debts and track your spending. Write it all down. Then begin about the business of STOPPING your old bad money habits such as acquiring new debt, and living beyond your means. Get current on your rent/mortgage, electricity, oil, water bills etc. Even if that means NOT paying your credit card. Pay for food, lights and water first. Then tackle your debts. Life might not be easy for a few years, while you get out of debt and adjust to living below your means. But it CAN be done. Life will be that much sweeter in the long run, and a WHOLE lot less stressful.
ツ S U B S C R I B E
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Hey there! I'm Dana. I'm a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area.
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"Marty Gots a Plan"
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I'm living paycheck to paycheck but God has been good to me and my children. I pay my tithes and offering faithfully. My bills are always paid. I'm a single mom of three by the way. God is good, I focus on being positive at all times. When it comes to my children I don't care how big the bill is. They health matter more. Better safe then sorry. I like your videos.
I am just like you I never have to borrow money . People come to me to for loans. I also pay my tithes and offering and spent money with common sense. Alway have savings and the Lord has bless me with a 20,000 dollar raise in my salary.
Your honesty is sobering. People need to hear that it's going to be painful. Great vid
58 thumbs down are all credit card companies. Very good video!
I really wonder where the thumbs down come on these videos.
Love this! Thanks for sharing! Dave Ramsey changed my life in my 20s and now (at 39) we are 6 months away from being mortgage free :). You can do this!
Naomi Talking Money wow congratulations i hope to pay off my mortgage early as well
Naomi Talking Money awesome!
So are you mortgage free now? It has been a year.
Your story is my story. Finally starting to wake up. It feels so overwhelming but I don't want to live in the cycle of debt anymore!
HUGS! You aren't alone. ❤️
I just came across you on CZcams great video. I am a divorced mother of two teenagers just trying to make ends meet. Your ideas are great. it's hard when you paying all the bills on your own.
+Debt Suckz HUGS! I was raised by a single mom and I remember vividly how hard it was for her to make ends meet. ❤️
Debtsuckz Canada Hi! I’m a teenager whos of a working class family, and all my friends are too. We’ve all worked since the age of 14-16, if your kids are of that age, maybe ask them to find a job? Just to help out with the bills, food, clothes, sanitary products, anything! It helps having more than one income :) hope this helps.
Wow .. your story is so similar.. I just went thru my last straw but had to do a bankruptcy to get a fresh start ...Im a mom of 4 since 16 I did the same as you! I was so far in debt living off the payments I made on the cards...now I never want to end up like that again, and came across your channel.. Thank you! I am loving your videos!
we have a place called the great exchange thirty minutes from my house where you can take 25 pieces of clothes/books/jewelry and exchange free for 25. it is a ministry of a church. It has grown hugely. I have taken clothes people give me and took out baby blankets for people or even larger ones and used on my dog's beds which are small canvas cots. I don't even have to buy books anymore and except for underwear and shoes have not purchased clothes for years now and I work in a law firm, not going shabby
Thanks for sharing! Love that curly haired beauty!
Cut my cable in 2011, cleared all debt, and credit score jumped! Available credit is massive; in case of emergency use only! One needs to police one's spending; I'm now spending only half my take home pay, and saving the rest. My retirement plan is set as well. This is peace.
You are preaching what I have been doing most of my adult life. Now I have a adult daughter that has been observing me and was telling me that it was difficult to say no to invitations... I would like to tell my answer to her. I did ask her to have her friends over and talk about money for real. We would be very surprise to see how stress are these people with nice cars and nice things. I prefer to be able to sleep very well at night than wondering how we will make payments.
I needed to hear this, from a real working person and not some millionaire internet star...subbed.
Ego control is so important. One of my struggles to making changes has been worrying about appearance and how that stops me from making difficult positive changes.
I like how down to earth you are and how simple you explain things. Just started watching you!
This is incredible! I somehow falsely assumed that you were frugal most of your life. I have a very similar story and I rewarded myself with a new car when I graduated with my Bachelors at 26. (I graduated later in life). I still have the car and am planning to keep the car another 6 years, if I can! Thankfully I got a large raise 6 months ago, and I've been able to save a lot more this year. I have a $118,000 mortgage and am $72,000 in student loan debt.
I've been stretching my money here and there but I know that I can do more, as far as being frugal. Thank you for your videos. I believe you offer practical advice, in a very relatable way. I'm glad I discovered your channel Dana.
I sell health insurance, that part made me cry.
Just found you this morning, loving your vids. that's called hitting rock bottom. love your honesty. hugs!
You are my go-to gal for financial tips! We are completely dept free. My husb. retired in 3/2018. Living frugally is a lifelong process. But, w/ it comes such a peace... TY for yr videos as I so appreciate them. You have such a gentle spirit, Dana. Nancy
we didn't live paycheck to paycheck but we're trying to save money. I'm so happy to heard this video.its gave me ideas how important to saved money thank you so so so much!
Don't forget the budget each month. You don't want to wander in you career path and you don't want to wander through you finances without a road map called a budget. Love your video. I used to have the slimmest of budgets, but now after years and years of saving a little each month, I have a pretty good cushion between me and the world...and I still buy 95% of my clothes at the thrift store.
Love this video! Thanks for sharing Dana!
You made a ton of excellent points! All very true! Living paycheck to paycheck is very stressful. Having an emergency fund is so important! These are 2 things that I've been preaching for a long time.
+AmbersFamilyof4 Some of us just need to hear it 100 times before it sinks in. LOL! ❤️
I love your sincerity and honesty, thank you for sharing.
Be frugal on material things but not life. Be frugal but not a fool.
That is why I buy the best food and eat healthy. Health is so important especially during this cov 19 crisis.
I cut my own hair (long hair with layers), dye my own hair, and cut my husband's, 3 sons', and 2 daughters' hair. I have done this for years and it saves so much. I learned to cut my own hair from a CZcams video. Don't be afraid! If it doesn't turn out you can just do pony tails and buns until it grows out!
Love this! We do the same at our home❤️
Thanks Sis for that eye-opening talk abt debt. I have cut back myself & am paying off bills & learning how to save again. I like the way you deliver the message. No if &'s or buts abt it. Thank God for you & Dave Ramsay.
I love listening to you. These videos have helped me tremendously.
Thanks for sharing your precious thoughts on meeting one's needs.
I love every suggestion you've made. Life is too short, folks need to live & enjoy life - not struggle to get through it. Keep doing and sharing🤗
And my God will supply every need of yours according to his riches in glory in Christ Jesus.
You are so honest and direct! I just happened to come across your video and I am very impressed.
Thank you sharing your very personal story! Love your videos!
Family is more important than money.... Visit your Mom! I regret so much not visiting my Mother saving gas then and now that she has died!
I totally agree no matter how much gas costs I will always try to go see my family every weekend.
Yeah I used to think that then I thought hang on why dont they visit me.....I was always a visitor and chaser until one day I decided not to bother, good decision
that is sooo sad.
@anonymous reviewer yeah, I feel so bad after spending time with my parents and one of my siblings, cause they are so narcissistic and every time together is a big ball of criticism, manipulation, complaints, mocking at me... So I try to stay with them just the very necessary time, it's a matter of mind health.
I agree family more important 💖
Love your story! Thanks for sharing!
Dana, this is awesome. I didn't have the super painful path you did because my parents have always been very frugal, but for a long time I had no real budget, no idea how much we really were spending! This has renewed my commitment to frugality for my own finances and also for the environment. Thanks!
Thank u so much for your channel. I love it. I'm a new subscriber. I needed to hear this.
Thank you for sharing your story. What a blessing you are to so many!!
Thank you for tips and your beautiful message.
Thank you for sharing this.
What an inspirational message! I love your channel. This is our second month on the Dave Ramsey plan. Hard work but worth it.
Greay video Dana! Such an important topic.
That moment with your son was life changing. I've had a few of those, I really like all your ideas. I subscribed, and I thank you.
I love your videos! I came across a few newer videos while searching for "frugal, minimalist, saving money". My family has been on the DR journey since Nov 2016, so it has already made our life less stressful. I love how in your videos it is straightforward and honest thinking. Feels like you are having a real conversation with your viewer. I have subscribed and hoping to learn a few new tips & tricks, and it will help me stay focused on our debt free journey.
So helpful, I can’t thank you enough. I look forward to viewing your posts:)
I love your videos!!! Thank you so much!!!❤❤❤
Thank you for sharing your story and tips. I too am very hard headed. It takes me a long time to get information sink in especially when it comes to my finances. I made sooo many poor decisions and now trying to rectify the situation and learn to live within my means. Its nice to know Im not alone... Thank you.
I love this series you're doing! Loved hearing your financial story. I destroyed my credit as a young single Mom. It was good in a way because it forced me to pay cash for everything and I have never had a credit card. I can't rent a car but I can't think of anything else that I have needed a credit card for.
Another thing you can do, if you have a school of beauty in your town, they usually charge less to let the students cut hair and learn styles (if you're not really picky on how your hair looks...) I usually just put my hair in a bun, but to keep it healthy, I get a trim every 6 months. It's usually half the cost of even the cheaper of salons!
Amanda Mac I do this too!
Yes! I like the Aveda schools, because I like their products, you get a nice head massage, and the instructors check in frequently to make sure the students aren't making any huge mistakes (last time I went the students even had to show the instructor a plan before even touching my hair). It took a long time, but I ended up with a good cut!
❤❤❤ listening this for the third time! Keeps me motivated 😀. Thank you!❤
Omg this hits home😢been in your situation. We also said enough of this nonsense of living paycheck to paycheck.
Loved all the great tips, your so right! It's a refresher, on How to save, cause we forget or get lazy for a while.
This video makes me cry everytime when you are talking about son. You can tell you are a great mom! Debt makes our decision making poor. I too have made bad mistakes due to debt decisions.
Great video! Thank you for sharing.
I am so sorry that you went through. I can tell it was painful for you and continues to cause you pain. I pray God gives you peace with that situation.
Great tips 😊
Thank you!
Wow! That story about your little really broke my heart. So glad I stumbled upon your channel. Currently in the process of finally getting my finances in order.
love your video...thats my goal not to live from paycheck to paycheck...so much stress in my life i have to make a change thanks for all the positive info
Great tips! Thank you.
Rewatching this. Gives me hope and keeps me motivated. This was the first video i saw on frugal living . Suddenly it just appeared on the screen. This changed my life! I cant thank you enough! ❤❤❤
Live life to the fullest. When you're dead it's over!
Great video,
I love the way you explain everything 👍 keep making them
Ugh! I wanted to cry with you! I had an identical situation when my daughter was little and I took her to the ER with no $$. You're so inspiring!
Thanks for this💙💜
Thank you for your honesty.
Thank you for being so honest. This is one of my goals is to stop living paycheck to paycheck. We are on our journey, we'll make our goal. Thank you again.
+CranberryHorn We both can do it!! 2017 is going to be a great year. Thanks for your comments!! 💕
This is very helpful advice :)
Just subscribed!♡ You meantioned the part about career wandering, I did that for quite a while I really didn't know what I wanted to do. But anyways thank you for sharing your story.
stories like yours are very important is realizing that financial literacy starts from a young age. many people get themselves into terrible financial situations just from bad decisions made from when they were younger
Dana, I know this is an old video so maybe you won’t see this comment, but this was really powerful. Thank you for being so open and honest. This is how lives get changed.
Hits home when it comes from a real person & not a millionaire. Great video!! Thank you👍🏻
I love your attitude, I'm with you! It IS common sense but sometimes takes awhile to get motivated. :)
this video was just in the best time , i just went to market place to sell them some of my baking and try to save money , and i was doing most of the stuff you were saying here , stop my internet connexion, hand washing my cloths and my familly , and i love it
Hi , first time watching you and I have to say , you are so real , I loved you comments, the way you put thinks and as I said, the reality of it . Thank you so much 😊. You have a fan here .
Great video. Going to check out Dave Ramsey too. Don't skimp on ER visits or visiting your mother.
Great video Dana!
as a hair stylist of 40 yrs, we are always glad you come to us...so we too can get ahead and thrive like everyone else...💕
I love this video. You are wonderful !!! Thank you so much for your honesty , it really hit home for me 🙏🏼
+Kristy Michas Thank you. I'm glad it resonated with you. HUGS!
By the way, I like the style of your videos. Very nice.
Dana, I can really relate to this! I love to hear that other people are making sacrifices in life to get on track with their finances too. Yes, it's hard and I can relate to your story about the ER vs. Urgent Care. There was one time we sat in the ER for 5 hours waiting!!!! When we could have just waited to see the Dr. the next morning but because of our child's heart condition we felt it was important enough to go to ER but to wait that long anyways was horrible and it cost us a lot of money we didn't have at the time. It's hard sometimes to make some decisions especially when it comes to our children's health. We try to do our best as parents for our children even though it has costed us a lot of money over time. It just makes us work harder to save back money so we aren't in the same situation again. I love to hear your videos and love the help you offer to others by putting out these informative videos, thanks Dana!!
As always, love your videos. Thanks for sharing!!
+Journey Progress Thank you so much!! That means a lot. 💕
Scary what happened with your Son, glad it turned out ok.God continue to bless your family.
I love this!!! second income is a very good idea.
I love all your financial videos. Please keep them coming!
+Jodie Lorraine Thank you!! Appreciate that feedback. I will. 😊
I watched this because the title of the video got me, I too am a mum of 4 and this video was my moment, I have been in some ways dreading returning to work next year ( after staying at home for 10 years with my 4 kiddos) but threw a vail of tears this video has helped me feel really positive about it, cause I can't live like this any more either, we don't have debt thankfully, but we are living pay check to paycheck after being on 1 income for so long and it is so scary tfs
New subbie, I'm learning so much thank you Dana💖I'm 48 single mom of a teen son. No house or car payment. I have always lived frugally but tired living paycheck to paycheck...I really like to own a small house, my dream.
Thank you!! I am so excited to be sent free and have SAVINGS!! 👍😄😎
Thank you for the "toink!" Again! And i hear you! This is my 2017 goal. Had that wake up call last Month. Stop living paycheck to paycheck... and stopping borrowing... thank you!
+Brewing Life Thank you for watching. And for your comment!! 😊
Awesome video! Little bit at a time I'm in the between trying to get out of debt I'm paying off my cards and loans 👍🏻 the advice is amazing!
+MaRii170212 You got this! 👊🏻✨
bless you my dear listening in tears 😭 we have been there too!!!!
this is so inspiring!!!! TFS!
I enjoyed this video! Thanks
Wow your story is a lil similar to mine as far as having a credit card early and accumulating debt.I have taken the steps to pay of my bill.I went from 7 credit cards and I am down to 3.I had my first credit card at 18 and I am now 39.My money situation is much better as I have income from various sources.Yes it is definitely possible to not live paycheck to paycheck.Having discipline is definitely a must.Thanks so much for this video!God bless
Aw you made me cry with the ER story.
TRUTH - we know these things but we don't do them ... I've been watching your channel to try to spark some action in myself, I know the right thing to eat or spend money on but the gap between knowing and doing is so wide for me
Tip. Keep hair simple. Keep it long. Cut ends and fringes when hair is wet and USE DRESS MAKING PINKING SHEARS! Because of the ceration you don't get that awful chopped, straight line look amateurs often get when they use kitchen scissors or hairdressing scissors. The shears mimic the snipping the hairdresser does without the bill. If you want to do simple cuts as per CZcams then pinking shears work for those also.
If you use colour for grays buy a wash in six week treatment the same colour as your natural colour. Using cheap dies looks obvious unless it's a close match. This has worked for me for over five years. The hairdressers is an occassional treat not a six weekly money pit. Also study what they do to inform your skills!
You have much wisdom. The process is very important. You are learning every day...me too. Putting God first is the only way to go. Your little one is adorable & those curls!! I'm debt free & have savings, cds, stocks& bonds. Yes, it is hard, but it's more than I could ever have imagined. PTL. Keep on going. God will bless you & everything you put your hands on. SHALOM.
I can't wait to get there. I'm pretty close. 18,000. I love it how the kids just jump in. U don't whoosh them away or have them read a script. And that's how I know u are real and keeping it real :)
+Griselle Isara Thank you so much! The whole family is typically sitting in the room when I film. (Small house) haha! We're all so used to it after 4 years. LOL!
Thanks. I'm going to start from your beginning video. I feel like crap. But Iam gonna face my debt.
Wow. Tear jerker story with your son. I've totally been there too.
I am determined that after I pay off my current car, that I will never have a car payment again, or at least to get a cheap enough car where the payments are only for 1 or 2 years. (Real cheapo junkie lemons can be dangerous) No more of these 5 or 6 year car payment plans though. Done with that!
I wish I had thought of that ! I have a 5 year loan...started last Oct. My auto insurance is much more too~! Trying to figure out how to sell it for what I 'paid' and get a $2000 car.
I feel the same. I don’t ever want to pay a 5 year car payment again.
I’m just starting out and trying to get current. Your my guru now (hope you’re ok with that) 😝
Great video, love it! We do a lot of things that you mentioned and always have!
+My Green Nest Thank you! Happy New Year. ✨😊