Super Cool New Vanity & Getting out of debt QUICKLY
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- Äas pĆidĂĄn 24. 07. 2024
- Thank you for joining us today as we search for a new bathroom vanity, show you the progress with the new flooring and talk about how we got out of debt. It was NOT easy, but looking back, has likely impacted our lives even more than simplifying did! It's a big deal, and we want to share with you what worked for us :)
LOOKING FOR MORE SUPPORT?
We have a few ways that we can come alongside you:
1) PRIVATE DECLUTTERING GROUP:
This takes place in a private Facebook group. Here's what you can expect:
- 5-10 minute videos each weekday with guided decluttering tasks
- monthly themes, weekly challenges
- 1 hour live guided decluttering sessions each week for accountability
- encouragement & support from other members
- cost is $11/month
This is ideal if you're looking for more motivation & accountability.
To learn more and to sign up, visit here: cli.re/minimal-mom-private-group
2) DECLUTTER YOUR HOME IN 15 MINUTES A DAY WORKBOOK:
This workbook is designed to walk you through decluttering each area of your home in 15 minute lessons.
- 168 full color pages
- easy to follow lessons designed for limited time & energy
- our key concepts (like inventory, the silent to-do list, the endowment effect & more) are spread throughout the book, too
Ideal for those looking for a self-paced guidebook to declutter their home quickly & efficiently.
The workbooks are $20 (digital or spiral bound).
Shipping: $4 flat rate domestic US
Find more details here
Physical Workbook: cli.re/Spiral-Bound-Workbook
Digital Workbook: cli.re/Digital-Workbook
3) TWO COURSES TO CHOOSE FROM:
Take Your House Back Course with Dana, Cas & I: www.takeyourhouseback.com/
Declutter Your Home in 15 Minutes a Day Course: cli.re/Course
WHAT IS THE DIFFERENCE BETWEEN THE TWO COURSES:
Take Your House Back is hosted with three of us, myself, Dana from A Slob Comes Clean and Cas from Clutterbug. We talk big picture about how to declutter and focus a lot of attention on working through obstacles like sentimental items, unsupportive family members and other hang ups. This course is FUN, there is a lot of involvement from all three of us and the ideas are specific to those who haven't been successful in the past.
Ideal for those who have been decluttering for a long time with little success and those looking for more community and support.
In the Declutter Your Home in 15 Minutes a Day course we go through the workbook, breaking down specific areas of your home in detail to be able to declutter faster and with more confidence. If you want to know specifics (like how many of each thing to keep) this course is for you.
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:: DECLUTTERING PLAYLISTS ::
New to our channel & Minimalism? Start Here :: cli.re/START-HERE
Kitchen Decluttering :: cli.re/Kitchen-Decluttering
Storage Spaces :: cli.re/declutter-storage-spaces
Kids' Toys :: cli.re/toys-playlist
Sentimental Things :: cli.re/Decluttering-Sentiment...
:: OUR AMAZON STOREFRONT :: www.amazon.com/shop/minimalmom ::
Thank you for your support!
:: C U R R E N T L Y R E A D I N G ::
"Get Your Life Back" by John Eldredge: amzn.to/32M6I4k
"Essentialism" by Greg McKeown: amzn.to/2Ow3Cgk
Favorite decluttering book - "Decluttering at the Speed of Life" by Dana K. White (A Slob Comes Clean): amzn.to/3cgHSNh
:: LISTEN FOR FREE ON AUDIBLE :: amzn.to/2ItCr2f
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:: M O S T P O P U L A R V I D E O S R I G H T N O W ::
57 Things We No Longer Buy: âą 57 Things We Don't Buy...
Minimalist Family HOUSE TOUR: âą đNew: Minimalist Famil...
Eliminate Paper Clutter Video Part 1: âą Eradicate Paper Clutte...
Cook MORE, Clean LESS: âą Simplify your Kitchen ...
How to Declutter WITHOUT Making a Mess: âą How to Declutter WITHO...
15 Things Your KITCHEN DOESN'T NEED: âą 15 Things Your Kitchen...
Organized Minimalist HOUSE TOUR: âą My Organized Minimalis...
The Silent To-Do List: âą The Silent To-Do List ...
FAVORITE Productivity Tip (ever!!): âą How to create a "SUPER...
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Royalty-free music used with permission from the CZcams Creator Studio, Epidemic Sound and purchased from AudioJungle.net - Jak na to + styl
Thank you so much for watching!!! Know that we believe in you, whether you have big decluttering goals for the new year or getting out of debt-- YOU CAN DO IT!!! And we're here cheering you on :) Tons of love and support, Dawn (& Tom)
Beautiful video! Our family loves you guys, even our kids! Similar ages to yours, and everybody is on board with minimalizing. We apply the principles and tips from your channel all the time, and we can't wait for Tuesdays and Fridays when your videos drop. It's a topic of conversation each day they come out. And if you come to Texas sometime, youre welcome to visit. ;-) I do like sports. Sorry Tom, but we don't have to talk about it. Lol
Where do I sign up for private page?!?
@@shailaraynee there is a link in the description â€ïž
Have one payment left on last debt besides mortgage. Going to see if we can do it today since it is payday!!
@@rondawinters1199 congratulations awesome
Hey please consider doing this as a series! Especially from the perspective of debt cluttering your life. This would be great to share with so many friends to help them start
Yes!!! I agree
This!!
Please!!
Yes yes yes!!!!! Please do a series like the kids toys on money and minimalism!
Yes!
Tom hit the nail on the head for me when he said pay all the debt when you get paid or it will just disintegrate before you realize it. So true! Thank you both for being so down to earth. There are not too many people I know that would carry on a conversation on the bathroom floorâŠ. Yâall are my kind of people. Lol!! Dawn has changed my life in the best way. You are a blessing to me. Thank you đ
We did the Ramsey plan. Paid off $20,000 in 20 months. We finished in June of 2020. It made me so grateful for finishing right at the beginning of the pandemic. It felt like God had given a warning to me to get my finances in order back in 2018. One afternoon in October 2018 I came home and told my husband I just couldn't handle having debt anymore. Ww had struggled with money due to my son's medical bills, husband being unemployed for bit...lots contributed to the debt. I binge watched dave Ramsey for months. It was the biggest motivation watching others get out of debt!! The testimonials really gave me momentumđ
WOW $20,000 in less than 2 years ! That is awe-inspiring. I too have been on a journey for a while just getting current and ahead. When the pandemic began I was current all bills, plenty of food stocked up, and money set aside for that next month, so I was in a good space. However, I had coworkers who did not even have a full roll of toilet tissue on hand. And we were told our business was closing the next day !
We've been using the Dave Ramsey method. It truly works! We're going to pay our mortgage off early!
(Judy VanderPloeg)--
We followed Dave's method, too.
We had a family mortgage burning ceremony when we made that last payment and were debt free.
Also, that "I'm debt free" primal scream that is featured on his show, is quite therapeutic.
Congrats on paying off your debt!
And to everyone still chipping away at it, I encourage you to keep going. Getting your debt paid off, is so freeing. You owe it to yourself, to not be a slave to debt.
Wow, 20 is your number! Congratulations!
@@marlenapeg4121 ha! I didn't even realize that until I just looked đ đ đ
"The time will pass anyway." So true, so start now and keep at it. A clean, decluttered house won't magically happen just because you watched a bunch of minimalist CZcams videos. Your debt won't magically go away unless you work consistently at that, too. Dawn's plan and Dave's plan both work IF you work at it and don't give up
Maybe we are one of the few that it actually took us LONGER than the projected original payoffđ...it took us over ***10 YEARS***!!! BUT, we also added many kids during that time and more medical debt. We had over $100,000 in student loans, medical and car loans. We have 7 kids, I am a stay at home mom and we were low (sometimes VERY low) income.
It can be done! We told ourselves the same thing: " The time will pass anyway."
It sucked. It was SO HARD.
BUT IT WAS WORTH IT!!! WORTH IT, WORTH IT, WORTH IT!!!!!!đđđ
Now to pay off our mortgage early!
God is good and has ALWAYS met our every need and then some!
If you are on the fence-go for it...you, your family and tour future are worth it!đ
Thanks for this comment - great read!
This is incredibly encouraging and inspiring to me. Thank you for sharing your experience! Congratulations on your decade of hard work paying off (literally đ€Ł)
Congratulations to you! Paying smallest debt and then rolling that payment amount over to the next bill is linear math. I did not do Dave Ramsey but took a different course back in the early 2000 using the same method and have utilized it several times over the years when I got myself into "trouble". We knew my husband was going to retire at the end of 2021. I started paying extra on our mortgage in early 2018 to prepare for that. First it was just a few extra dollars every month. Then I increased it to a full payment when I could. At the beginning of the pandemic, I started getting nervous and was throwing every extra dime at it. And I'm so glad I did. COVID forced my hubby into early retirement. I'll never forget how great I felt that day in July 2020 when I walked into the bank and made the final payment on our mortgage. I still love signing on to my bank app and seeing that Mortgage Account say PAID IN FULL!! .
)
it took us years to get out of debt, YEARS! but now we are on the other side, even have the house paid off. It's so totally worth the sacrifice. lots of work but worth it!
YES!! Iâm a single mom with a really exhausting corporate job, and Iâm just working towards not working a 50 hour physically demanding (but also well paying, thankfully) work week away from my little. Itâll be $75k in 39 months. Minimalism has helped me achieve it!! Set up to be debt free in December 2022. Thanks Dave Ramsey and people like you who have taught me contentment. đâ€ïž
We had a crushing mortgage 18 months ago. My husband had Dave Ramsey on and Dave was yelling (at me so it seemed) âIf youâre giving all your money to the bank youâre STUPID!â Well that was it. I literally cleaned the house that afternoon took pictures and we put our house on the market that day. We bought a house a third of the mortgage price (it needs a ton of renovations and updating which my husband will do⊠eventually đ)and we are now living below our means! Not mortgage free yet but we have a goal and a plan and we are on our way! Thanks as always for the encouragement! - Lindsay in Ontario đšđŠ
Knowing what housing prices are like in Ontario, this deserves some serious likes! Good for you!!!
@@katrinagascho6165 we got this house at the perfect time. We had our offer in on it, sold our house for over asking and then everything skyrocketed just after we closed⊠my husband kept saying we could have gotten more for our last house if we would have waited⊠but I remind him that we never would have gotten this house for this price. Godâs timing is perfect!
@@smcb2202 preach!
I'm so impressed with y'all's tenacity in paying down your debt. My younger son just got a promotion and huge salary boost, so I need to share the Ramsey method with him so he can pay down his college debt ASAP!
I'm currently debt free with only a small mortgage. I couldn't have done it when I was married, but even as a single person I'm so happy to be in this position. I'm still able to work full time at 68+ years old and I thank God for that gift. Maybe I'll retire in a couple of years, but maybe not. Not having to worry about bills is such a joy!
When I first mentioned wanting to get out of debt, my husband said, "We'll always have bills", which is true if you are counting monthly expenses like mortgage, rent, lights, etc....but I meant getting out of credit card debt mostly, and we did eventually do that plus paid our mortgage off early too. Has made a tremendous change for the good in our lives, and we've been able to save money ever since then and also help others with our extra money too.
During my college years a finance professor told us to just make one extra payment in December on our mortgage every year. It can cut a 30 year mortgage down to 17 years. It was amazing to do that in combination with the Dave Ramsey program. It got us out of debt fast. We paid our house off in 12 years. Time does pass. You just have to change your mind set about spending. Love you guys and love to see your videos on minimalism. I have been decluttering for 2 years now and won't go back. At first it was hard but I kept reminding myself to keep letting go so I could see what the other side of letting would be like. When I arrived, I was so at peace with my home and self. No more stress. All gone. It has been the best gift to myself and husband.
I like this idea, can you explain more about it? Does it have to be December?
@@juliamorton3438 I don't think so. I guess it would be easy for a family with children to save the extra payment over 12 months and then give it in December. We paid off our house in 12 years by sending extra to the principal every month. I would not be able to give you the breakdown of the amounts because it's something my husband took care of. But the professor did say you could save a considerable amount in interest over a 30 year mortgage by doing this one extra payment a year in December. By sending the payment to the principlel , over time the interest you owe on a 30 year mortgage is cut down considerably because you dont owe as much on the principle therefore less on the interest. For example 100,000.00 dollar home in 30 years with interest could end up costing 300,000.00. So if you owe less on the principle then there is less interest and less years to be paid. Mortgage companies do offer a 15 year mortgage but for most families it's risky because the payments are higher so most people get 30 year mortgage. However, it's up to you to manage your money on your own terms and if it's possible pay it off soonrr and owe less in interest.
I found minimalism after we paid of our debt. Taking control of our economy started the process to simplify our entire life. So happy to hear you talk about this!
I love this! My husband and I did Dave Ramsey, paid off about $70,000 in debt all while having 3 babies and cash flowing all the deductibles and hospital bills while on a modest income. Once you set your mind and youâre on the same page you can absolutely do it! It changes everything! Simplified our home, reduced consumerism! As we went through the journey I prayed EVERY DAY that God would give me a heart full of contentment and gratitude and He is so faithful! And now we use YNAB for our household budgeting! Thanks for all yâall do and all the encouragement and videos! Love yall!
What is unable?
Unable �?
I love YNAB so much! We paid off 20k this past year and It was totally bc of that program.
I absolutely LOVE YNAB! It has been a total game changer for our budgeting! It finally all clicked! Congrats on the debt payoff! Itâs a great feeling!
My husband and I spent our first year of marriage paying off debt, the second year we bought a car outright and saved up a 3 month emergency fund, now spending our third year renovating the house. It feels so good to only have a mortgage and to be completely on top of our finances! I never have to worry about paying a large bill or buying necessities.
Wow! You have talked about paying off your debt before but didnât realize it was $100,000! Great job! I am really impressed. I can see how it really adds a lot of stress. My boys are car guys too- my 16 year old thinks he is going to be able to make money on his trucksđ
My husband and I were doing the Ramesy over 14 years ago. When my husband had a heart attack and while he in the hospital he had kidney failure so my husband was not going back to work. So it failed on me to take care of him and work a full time job. So for 9 years I took care of him, work a full time job that I was barely getting paid over 14 dollars and hours. Paying all his medical expenses I paid off 2 cars and paid off the house just before he died. I sold the house to pay off all his medical bills and now live in a small apartment. So Ramesy does work even in very hard time. I started listening to you for encouragement when I started my journey on going minimalism.
Sorry for your loss đ.
You are so right about the debt free journey! We ended up finishing years ahead of when we had originally projected to be done. My husband now makes a very good income but we still live like we are broke. We rent an old run down house because it's cheap and drive 1 old van. But now we have the freedom to give to people and it's so amazing!
Love your goal and your heart! May God bless you greatly so that you in turn can bless others. This is what control of our finances is all about! The money is all from Him!
Thereâs nothing quite like financial freedom! I really love that Tom heard what he needed to hear when he needed to hear it. Someone listening to this today will hear what they need to hear. Love it!
âPeople thought you were broke!â YOU WERE! When you have debtsâŠthatâs worse than broke itâs a minus! Apart from a mortgage which I paid off early, i once bought a car with a loan, it wasnât new but it was more than I could afford, it was falling apart before I had paid it offâŠnever again! I was 22 at the time, I pay cash. I live in Ireland and since the pandemic everyone is advocating using cards, I resist as I can only spend what I have! You are wonderful to have come so far, and you CZcams channel encourages others and earns you a great income. Win-win. đ
Dawn and Tom are so right, please, listen to them it is life changing. The best thing I ever did was work at becoming debt free and learning how to save and invest. I love the floors, great color choice. I love my Bosche dishwasher, so I hope you are able to fix yours. Loave you both and your whole family. đđ
Hi Linda, would I be able to know what caused your debts? Mainly medical and college tuition, or? Many thanks for your comments. Good community vibes
Donât answer that, Linda.
@@cynthiafisher9907 She doesn't have to, I'm just curious how these problems start from a sociological perspective. It's just good to begin a discussion, and see how we as a society can help one another in a cultural way, without money specifically being involved. Is it too much of a personal question, Cynthia? I'm sorry.
The Ramsey approach is life changing. I never understood how to manage finances in order to build wealth and the Ramsey baby steps made it approachable and gave me confidence that it was possible for a middle class family. Thanks to Ramsey we paid off our mortgage in our 30s, are saving for our kidsâ post high school education, and will have a net worth of a million dollars by the time weâre 50. Weâre not special. We donât make a six figure income. Weâre just prudent and we trust the baby steps.
This needs to be taught to children from the get-go, ALL children everywhere.
GREAT video. Can we just stop for a minute at that part when Tom is talking about using every available dollar to pay off debt, as soon as it comes in. That is a huge hurdle to overcome: that feeling of "we used all the money to pay bills and now we have none!" I like the feeling because it makes me feel responsible, and like we've accomplished something. My husband however gets very anxious and stressed out! We actually just had a long "discussion" about this a few weeks ago!!
I guess my point is that if anyone else has trouble getting past that part of paying off debt, you're not alone.
First God lead us to get debt free, then to get our weight under control, and then to simplify our home. As we have walked in obedience to these things we have found such freedom! Thank you for being an encouragement in these things!
Us too but different order. First debt, then simplifying and now weight loss! Never too old to make changes.
From one Prius owner to another we are always getting teased for our ride however, at 52 mpg its the best. Early in our marriage my husband and I made a "purchase mistake"; bought a windsurfer on credit and didn't have the cash. We both were in panic mode and NEVER did it again. That was the best mistake we ever made. That taught us new habits- tracked everything, bought a starter house and remodeled one room at a time with money we saved for it, repaired everything ourselves, drove used cars, borrowed tools, ate at home, coached our children to save for college and apply for every scholarship possible and yes....carried our travel mugs of home brewed coffee into the office when everyone else held a takeout coffee cup. However, we are blessed to have had that mistake happen and 35 years later wouldn't have traded our "early retirement" for anything. You are so inspiring and thank you for making this site possible. Oh and by the way, once you are engrained in the "getting out of debt" mindset you can't imagine living any other way. Stay Warm-
I love how excited Tom gets when talking about tackling your debt. I need this kind of hype person in my life. Love you both!
We did the Dave Ramsey program in 2008 because we needed to be able to pay for college for son. Our friends thought we were nuts too. We paid off everything even home in just over a year and saved enough to pay for five years of college. You have to live like no one else so you can live like no one else. We actually thought it was fun when we started. It really helped with not buying stuff and making more clutter. It makes me smile when I think back. I remember going to get groceries in two towns over and driving by this little store and my husband said, âif anyone wants a snack I will treat.â. I bought us each a slice of pizza and he bought each a drink. It was funny to consider that such a treat. We each only got $15.00 a pay period to spend on whatever. But we were debt free in a year!
We will pay off our house this year. I am amazed we got here! When I first heard of Dave and listened to the debt free screams of others who did it, I could scarcely dare to dream we could do it, too. It's been a long road but the sacrifices were absolutely worth it. It feels VERY strange to be seriously considering what comes next, what life will look like.
If we can do it, anyone can! Just start, just keep at it. you won't regret it!
We also did Dave Ramsey's plan, and were debt free except for the mortgage about 12 years ago. Then we went after our mortgage with a vengeance and paid off our 30 year loan in a little less than 15 years. It's so liberating. We have more to give and bless others.
100%!!! I wrote my budget down in a spiral notebook for months! I had to SEE it too! I took my $15K credit card debt down to $3K in about a year. You DO run into obstacles, but the weight of the stress that comes off of you, is priceless.
I love the language you use to describe a time in our lives as "this season" and reminding us that "the time's gonna pass anyway". Thank you for the tips and the encouragement to get through these challenging seasons of life.
If my husband and I had sat down to make a video it would have been a carbon copy of yours! We had such similar experiences to paying off our debts, down to the excel spreadsheets and the bumps in the road. Getting out of debt and paying off the mortgage last year has given us such a content and peaceful feeling about life. It is what fueled our desire to be less cluttered and live a more simple life. Iâd say it even fueled our desire to be more healthy and to pick up hobbies that are healthy for the entire family. Thank you for this video!! It will inspire others for sure! My husband and I often reflect on the last five years and after itâs all said and done we truly felt like we never really went without. Fancy cars, expensive vacations, and eating out were things we didnât spend money on, but we still have such happy memories and experiences from those years that we werenât missing out on a thing while paying off our debts!
I am a huge proponent of Dave Ramsey. Through his methods, I managed to get out of debt faster after moving to a big, expensive city. I thought for sure living there would slow down my snowball, but it actually made me push harder, plus I found a lot more free activities to do for entertainment in such a big city. I breathe so much easier these days đ
Love this video!!! Weâve been debt free for 10 years. Opened up many opportunities for us and being able to say yes to God!!! Including fostering and adopting.
Amazing testimony! Thank you for sharing!
Just paid our home off two weeks ago!!! Took us 18.5 years of scrimping and saving. It is the Best feeling ever!!
'Knowing what I know today, I'd drive a Prius again if I had to.' Well... That just made me tear up! What a refreshing statement in a day and age when so few are willing to sacrifice for their family's future.
Love the transparency..... The greatest contentment comes from having enough and enough is usually far less than we think we need. God is faithful and he is able to do unbelievably above and beyond anything we could expect.
My husband and I got married last April and we have been using the debt snowball. It works well when you keep snowballing đ
Hello Dawn and Tom,
Thank you for the video, it's fun seeing you both just chilling on the bathroom floor talking to us. All of your videos make me smile and get into a better mood. You Rock!
My spouse and I do the Dave Ramsey plan and the only debt we have left is our mortgage. It was the best thing we have done. We almost have our house paid for and we have only been here 8 years.
Being debt free is amazing! There is so little stress when I pay our bills now. Minimalism and Dave Ramsey joined forces in our house almost 3 years ago and has given our whole family a new life! Literally!
haaaa!! love the Prius story!! hubby finally driving one!! We laugh .. all the way to the bank with gas savings!! LOL!!
The floors look nice. I really enjoyed how laid back this video was. It is also very timely, starting off a new year, new goals, new intentions. I need to declutter, stop bringing more inventory in my small house to manage! And by doing so, would curb spending and put that money towards debt. Thank you! This was so very helpful!
We're doing Dave Ramsey also...mortgage is down to about $10K! It's amazing how much stress and marriage issues money can cause!!! Our counselor suggested we do Dave Ramsey when we were having bad marriage problems. Saved our marriage â€ïž
I remember when me and my now husband decided we would live debt free. Almost all my friends family coworkers thought we were crazy, they were making fun of us, said we are stingy cheap and weird. But it was so worth it! These few years passed anyway, like you say, and now we are sooo free!
Good job guys! My hubby and I were debt free early on in our marriage and it is by far one of the best things you can do for your self, your family and as a witness of God's goodness. Determination and hard work, yes, but oh so worth it. Keep on, keepin' on. Be that light that shines atop that hill showing others they too can do it.
Thanks to Dave, weâve been debt free since â09! So grateful!!
Dave Ramsey's plan truly worked for me. I've been out of debt for many years now & the freedom it has given me is invaluable. I can't imagine ever going back into debt.
First, let me say, I love this video from the bathroom floor!!! The Dave Ramsey program is a blessing! We are working it now and it is so nice to be able to BREATHE!!!!
My brother's story of getting out of debt is pretty amazing. Let's just say he's now living his dream and traveling the world debt free.
Getting out of debt was the best thing I ever did as well! It took me 7 long years but I finished paying everything off in 2005. In 2004 I bought a house and that will be paid off in 5 years. It can be done. You have to sacrifice and do things other people aren't doing but the stress level is so far down now.
I choked up when you said you found your debts added to $100k. That must have been so terrifying, especially given your low income. Well done for your persistence, what an awesome story! Excited to see the bathroom reno, those kind of videos are my favourite.
My husband and I followed the Dave Ramsey plan too! We were out of debt, including our mortgage, since 2017! We were 43 and 47 years old and debt free!
We are now putting money aside for vacations and to help our son stay debt free as he goes off to college next year! The plan works!
Followed Crown Financial and Financial Peace years ago and paid off mortgage 11 years ago. What a blessing to be able to still put mortgage payment away in saving since then and pay cash for cars and pay college tuition payments! God is so faithful!
Dave Ramsey rocks! Being debt free rocks! Many employers will actually offer Dave Ramseyâs class to their employees for free. My employer is doing that and one of my coworkers recently lost her husband and is concerned about being able to pay the bills, so I suggested we go through the class together, and she thought that was a good idea, so we will be starting that soon.
Being debt free is the best feeling ever, Dave Ramsey got us motivated too!
The Dave Ramsey plan absolutely works. My husband and I are 62 years old and have been debt free for 5 years and retirement feels less scary with having no debt. It really feels great to live like no one else as Dave says. Good luck in your journey đ
Fannnntastic, Tom and Dawn ! This past week I tore up two paid-off credit cards ! Bah bahhhhhye to them ! Tore up another after paying it off about two months ago. Another in a month. And my student loan is almost History ! Woo hoo !! The weight lifting off of my shoulders is phenomenal ! Getting there ! I love it! PS Floor looks so fresh ! New start !
We were debt free in November :) Perfect timing as we both left our jobs and then took a huge cut in income.
Love hearing your debt free journey! Yâall are so encouraging!
You guys are awesome! Love that you are sitting on the bathroom floor together having a heart to heart with your viewers. My husband and I are a bit older than you-got out of debt a few years back. I totally watched Dave Ramsey CZcams for motivation. Now I watch you for motivation in decluttering and meal prep. Thanks so much for all that you do!!
I definitely feel like being debt free is a part of decluttering your life. So worth it!!
We had a Bosche dishwasher and loved it. We had a drain light issue and the drain tube just fell too low or got crimped on install and needed adjusted. Hope it works for you guys
Also, there might be a coin or shard of glass or dishes (watch your hands while trying to reach in pls!) In the sieve that is at the end of the drain tube or even in the drain part on the bottom of the dishwasher.
Dawn, I would keep the vanity white, nice and clean looking. Matches your kitchen cabinets. I used to be in debt until I met my husband. We have 1 credit card and pay it off at the end of the month. We donât live outside our means. You donât need to keep up with your neighbors. We still take vacations throughout the year.
Love your channel, and I purchased your workbook. Can always use the extra advice. Thank you to the both of you.
We did Dave Ramsey after losing our home and being in debt. It took 3 years of intense work to pay off debt and save money for another home. We have a mortgage we are paying off ahead of time and one small car payment. Yes friends and family will think your crazy! It was comforting to know exactly where our money was going. It is so worth it! I would encourage everyone to do Dave Ramsey. Thank you for your honesty because it will definitely help someone â€ïž
Guys, you knocked it out of park with this one. Best advice ever!!! Living debt free is living on a whole other level!!! Great job! đ
The fact that you are thinking about being out of debt is a huge win. Setting goals together is a huge win. Doing life together with the Lord giving you the wisdom you need is the best win of all. I wish I had been as smart as you two are when I was your age. Praying Godâs blessing over you and your family.đđ€
Thanks for sharing your debt free journey. We are nearing the finish line with ours and your words are so encouraging. The three things I listen to everyday that are changing my life are The Bible Recap, Dave Ramsey Podcast, and Minimal Mom videos. â€ïž
We are debt free and I know how it feels! The last few years I worked I had the max taken out of my check and deposited in savings. We never saw it. And now that we are retired we are used to living on that amount. Our other income is direct deposited into savings. We both grew up poor. In my family I remember fielding the creditors calls. Its was awful.đ I never wanted to live my life that way again. I am working on the minimalist part...your book is definitely helping. â€
We are debt free except for mortgage. Just got payoff letter for the mortgage and will have it paid off this month! Retiring in July!
We did DR and Financial Peace. We have been debt free for a few years and this year we are going to be mortgage free!!! I cannot wait. I am working on decluttering and minimizing our STUFF. It's hard hard hard. But we will get there! Thanks for everything you guys do, you motivate me a ton!!!
Loved this video so much!! We recently became debt free and paid off over $100,000 in 2 years. It was a lot of work, a lot of sacrifice but it was 100% WORTH IT! â€ïž if youâre in debt, you can get out even if at times it feels like you canât. Itâs hard but absolutely life altering in the best way.
We are debt free because of Dave Ramsey, too! His program is so good because it is so motivating and life changing! We are weird, and it is awesome! Thanks for sharing your story! Beautiful vanity-Iâm so happy you found one you like with feet!
I remember a friend talking about a coworker who was paying off his mortgage by 30. It blew my mind that this could be possible. I was already over 30 but planned for by 40 as I was hoping to achieve it but still have a fun life/holidays. Like you say once you start you get momentum and we done it much quicker. I love not having to ever worry about having a roof over my head again.
My husband and I have always been the weirdos who didn't go out to bars or ever buy new cars. We now own one home free and clear and rent it out! It's a freedom that you can't understand to know you can afford so many things, but you truly don't want most of them. The lean years were sometimes hard but so worth it.
It just amazes me that anyone would stick their nose into your financial business.....I think itâs a great idea to do these kind of videos that talk about decluttering our finances as well as our homes.
Love Dave Ramseyâs financial plan! 3/4 of the way done with baby step 2!!!!
I enjoyed hearing your story! My husband and I started getting out of debt (all my student loans) when we got married and he was still in school. Neither of us even had full-time permanent jobs yet, and we dreamed of being debt-free in five years but didn't see how it was possible. We were out of debt in 2 years 4 months. We have a mortgage now but are hoping to get it paid off in under seven years. It feels so good! I agree that minimalism and getting out of debt are life changers. To everyone else who is on either or both of these paths, you can do it and it will be so worth it.
Yes! We cut uo our credit cards 25 years ago when we were the poorest we have ever been, continuing to purchase makes you feel better but makes the situation worse. I listen to the Ramsey podcast because he is still bravely trying to help people improve their lives with no tricks or gimmicks.
Thank you for your positive influence and encouragement to be good stewards of our finances! You go beyond minimalism and live out simplicity and contentment. Thank you both so much.
So excited to see the bathroom makeover! Hopefully everything goes as well as it could and Tom doesnât spew too many cuss words đ
Iâm currently on step 2! The 0% interest had been a godsend, Iâve been doubling down, due to pulling doubles while working (long term healthcare). Thanks for sharing your story & the reminder that the tough seasons are only seasons and not permanent â€ïž
I actually have watched Dave Ramsey before and he was the boost I needed. I still have a while to go but I am starting to see daylight. Everything is working like clockwork having every penny coming in allocated for debt or living expenses! PS I love the vanity you chose!
We got out debt with Dave Ramsey a couple years ago. I can't say enough good things about him and his program. Love his show!!
Being out of debt has allowed me to be home full time. The big wonderful part is being able to bless others.
Yes!!!!
Yes. My husband and I worked so darn hard in our 20s and 30s ... now in our 50s and lining up for a great retirement with 3 kids and then grand children to follow...
Itâs unbelievable that there are haters out there whenever somebodyâs trying to do something positive for oneâs life whether it be minimalism or getting out of debt or following the eating program that I do called bright line eating. What I tell myself is that they are projecting their own self doubt and wishing that they could do something different for their life but they feel that they are stuck. So that helps me give them compassion.
Love this! Hubby and I are on baby step 7. Got out of debt 7 years ago, paid off our house 3 years ago, and have pushed saving for kids college and retirement. Finally able to breathe a little, give back, travel and be at peace a lot more as a couple. This would be an awesome series, Dawn. Thanks for sharing your story!
Found Dave Ramsey in 2014âŠdebt free in 2016âŠand finally BS7 in Nov 2021!!! started following your Chanel last year and the key word for this year is âsimplifyâ. Weâll see how it goes.
I just really like the fact yâall are sitting on the floor! Real life!
Paid off 17k in student loans in 2020 since they stopped interest. 0 interest makes paying off debt much easier! Then paid off my husbands car loan early 2021. Only debt left is our mortgage, which I don't really include. It is so nice to be debt free! Dave Ramsey is good but I don't follow his cash envelope/cash only payments method. Buying things on a credit card and paying it in full every month really helped boost our credit scores.
Thanks for the video and encouragement! Weâre debt free after following Dave Ramsey! Debt free since June 2016!!
We started in 2016 with $56,000 in debt. Debt free 01/18. That freed up so much
$$$$ we threw it all onto the mortgage. Mortgage free 12/21. Havenât told any friends or family and probably wonât.
I love your channel! I always learn something and pass on your videos to friends.
When I married my second husband the home expenses mortgage (none) and maintenance fee (very low) made me realize how stressed out I had been previously been about the high monthly expenses that had to be met on my previous home (a 4 storied brownsonenin NYC).
When we began planning for early retirement I started budgeting to the dollar (I didn't know about Dave Ramsey) and eliminated frivolous purchases. Every extra dollar went into retirement and investment accounts. This made it possible to retire within 4 years. It is the most satisfying feeling to be debt free and realize we have so much freedom. It was equally rewarding to share one intention and to work together on a common goal. Two people working together whole-heartedly are unstoppable.
Thank you for all the good you share with us.
My minimalism journey started with getting out of debt. I literally made a goal to buy nothing but food essentials each month. The biggest game changer was unsubscribing to all store and sale notification emails. It was a blessing I did that before Amazon was around. đ
Down to mortgage only and the finish line is in sight. I'm an Excel spreadsheet fan as well, not only does it help me budget but also allows me to see the forecast for the next 3/6/12 months. As far as nay saying coworkers... my response to "come out to lunch/shopping/happy hour" or whatever was always "Saving my pennies for a big vacation!" A little deceptive maybe, but once everything is paid off, I'll be on a vacation from debt!
Have to say how blessed it is to have absolutely no debt. So grateful!
I want to thank you both for your talk in this video about your getting out of debt. My husband and I are both retired and bought an RV to full time travel. We have had many things happen in the last couple of years that have put us in debt. After both of us watching this video we sat down and talked about what we can do to work on this debt. I have been following you for awhile and I am trying to get our RV decluttered and organized and this includes a storage shed. I would not have done as well as I did with my craft items without using your keep box with a date on it. I bought your book and I am so glad you put all the work into it for us!
I was watching your video one day and you mentioned Dave and his plan, I googled it and started immediately. It took us 6 months to be debt free except mortgage. We are paying double to our mortgage so we can retire 5 years earlier than planned. Thank you for the information that changed our lives.
Thank you for sharing your getting out of debt journey! I really like watching Dave Ramsey's CZcams channel as well. I think he is very wise. I think minimalism and getting out of debt do go hand-in-hand!