How We Paid Off Our Mortgage On One Income

SdĂ­let
VloĆŸit
  • čas pƙidĂĄn 24. 07. 2024
  • *The free masterclass is no longer available. Please go to our website for more information.
    đŸ’„ Enroll Now in Our Crush My Mortgage Online Course - www.CrushMyMortgage.com- bit.ly/2udwzQi
    *The free masterclass is no longer available
    đŸ’Č If you would like to support and donate to His and Her Money, click here: bit.ly/2mwEEvN
    ----------
    ❀ Don't Forget To Subscribe!
    ----------
    ✅ Our Book - Money Talks: The Ultimate Couples Guide to Communicating about Money - amzn.to/1IOjDPT
    ----------
    ✅ Enroll In Our Course "Teach Me How To Budget" - goo.gl/V13zu7
    ----------
    ✅ Join Our FREE Smart Money Couples Private Group: bit.ly/1KlBxKv
    ----------
    ✅ Speaking/Booking: Want to bring Talaat & Tai out to speak at your church or your event? Email - Bookings@HisandHerMoney.com
    ----------
    Connect with His and Her Money:
    â–șW E B S I T E: www.hisandhermoney.com/
    â–șI N S T A G R A M: / hisandhermoney
    â–șF A C E B O O K: / hisandhermoney
    â–șT W I T T E R: / hisandhermoney
    â–șP O D C A S T (iTunes): itunes.apple.com/us/podcast/t...
    Disclosure: Links contain affiliates. When you buy through one of our links we will receive a commission. This is at no cost to you. Thank you for supporting His and Her Money and allowing us to continue to bring you valuable content.
  • Jak na to + styl

Komentáƙe • 1K

  • @ritaosorio660
    @ritaosorio660 Pƙed 6 lety +136

    I just added an additional $20 bucks to my mortgage payment giving me a total of paying an additional $47.00 to principal. Here's to every little bit helps.

    • @bariirvin2101
      @bariirvin2101 Pƙed 4 lety +4

      Bless your heart friends for allowing yourselves to be used by
      Our Father in helping so many come out of mortgage debt...This is written in the middle of the Corona pandemic. Just before the pandemic
      I was grateful to be able to make mortgage payments with 15 years to go. Now unemployed due to the pandemic my unemployment is next to nothing. I know in my heart God woke me up and you were the first faces I saw for the first time ever at 6 in the morning. HE told me that I can do this even in the midst of lesser money. I'd like to say I'm excited for a five year plan. Because you said one key sentence "just put an extra $20 towards the Principal. I can do this and I know God will make way for more to make this happen on time or before!

  • @canadiangirl8775
    @canadiangirl8775 Pƙed rokem +9

    This is so good! We paid $560,000 for our house in Canada in November 2018 - we put down $305,000 and worked extremely hard since then and now have $21,000 left! We cannot wait to have it paid off in 2023! Thanks for the inspo! 😊

  • @IAmLadyLuxe
    @IAmLadyLuxe Pƙed 6 lety +382

    I can’t believe that people would be negative about such a beautiful achievement! Congrats to you beautiful people!

    • @Domeng09
      @Domeng09 Pƙed 6 lety +16

      I Am Lady Luxe child there are haters everywhere for everythinging.

    • @NicieWilliams
      @NicieWilliams Pƙed 5 lety +20

      All the broke people...đŸ€Ș

    • @crownchrist
      @crownchrist Pƙed 4 lety

      My pops thinks it’s a bad idea to payoff house b/c of possibilities of lawsuits ; litigious society đŸ’†đŸœâ€â™‚ïž

    • @AlejandraBecerraR
      @AlejandraBecerraR Pƙed 4 lety +4

      People hating for no reason. Must envy

    • @keithfreitas2983
      @keithfreitas2983 Pƙed 3 lety +3

      @@crownchrist Huh! Whether he owns it or still owes tbe bank lawsuits can happen. Wiser to pay it off and invest, save what was a mortgage payment. Hope you can payoff your mortgage.

  • @naz-nazneen886
    @naz-nazneen886 Pƙed 6 lety +246

    đŸ€­đŸ˜­ Because of your encouragement & inspirational stories, my hubby & I PAID OFF about SEVEN bills in the last 5 months!! Again I say, you both ARE helping someone & I’m one đŸ™‹đŸœ Though I started off with many medical bills, God blessed me & spared my life. So I can’t complain đŸ™đŸœ I understand when things happen. My transmission was getting worse & leaving me stuck on the job. Last Monday I bought a car. In sticking with “the plan” I bought used, low miles & worked the dealer for a car I CAN afford - not just pmt but I was adamant about the total price đŸ€—We are now working on 3 CC bills & our older car noteđŸ‘đŸœ God bless you & your children.

    • @HisandHerMoney
      @HisandHerMoney  Pƙed 6 lety +7

      That is REMARKABLE! We are so proud of you guys, keep up the good work!

    • @elles4725
      @elles4725 Pƙed 4 lety

      ❀

  • @ATTHESPEEDOFLIFE
    @ATTHESPEEDOFLIFE Pƙed 6 lety +346

    This is so great! I am celebrating with you! We are 6 months away from our mortgage payoff! Can't wait to feel that grass!

    • @patrick12657nck
      @patrick12657nck Pƙed 6 lety +17

      I know the bank can't stand them because paying off their home means the bank is not getting anymore intrest.

    • @arienfox
      @arienfox Pƙed 6 lety +15

      That's the Bank's Problem because there are more people who have made the decision to pay off their homes in record numbers.

    • @OccupationMummy
      @OccupationMummy Pƙed 6 lety

      If you don't mind me asking, how long have you had your mortgage for. We just brought own first home and I am DESPERATELY looking to pay off that loan ASAP. I know if it is income based but I am looking to find a more realistic time frame of paying off ours because ifI get discouraged, it is hard to jump back into it.

    • @ATTHESPEEDOFLIFE
      @ATTHESPEEDOFLIFE Pƙed 6 lety +3

      We bought in 2011 on a short sale, so the purchase price was such a blessing! We did buy with a down payment and 15 year mortgage as advised by Dave. We started sending extra to the principal this January. Good luck on your financial journey, you can do it!

    • @Stoneface_
      @Stoneface_ Pƙed 5 lety +1

      AT THE SPEED OF LIFE any update?

  • @diannelockard5384
    @diannelockard5384 Pƙed 6 lety +107

    OMG! I was able to buy my 1st house. I just made my 1st mortgage payment and added $20.00 to go to the principle. Thank you for the inspiration. It's not much but I would love to pay it off before I'm 100 years old.

    • @lavender111
      @lavender111 Pƙed 5 lety +16

      dianne lockard this old but I just brought my first home as well a couple days ago and my first payment isn’t until August but I am already planning on making a 500$ principal payment right off the bat and using my tax return straight towards the principal. My goal is pay off mortgage when or before I turn 40 (I am 33). đŸ™đŸ€ž

    • @Stoneface_
      @Stoneface_ Pƙed 5 lety +1

      Jennifer S good luck 👍🏿

  • @naomiking2442
    @naomiking2442 Pƙed 6 lety +145

    We paid off our home in September and the same week I threw my back out and I have been seeing doctors and chiropractors ever since. Murphy does indeed come but I'm grateful to not have the stress of the mortgage on top of it. Great video and Congratulations!

    • @rafaelmonzon1429
      @rafaelmonzon1429 Pƙed 5 lety +6

      Naomi It's been 9 months since you posted your comment so I'm late but congrats on your accomplishment and I really hope that your health has improved to where the pain is gone or not a hindrance to you.

    • @THRASHMETALFUNRIFFS
      @THRASHMETALFUNRIFFS Pƙed 4 lety

      Damn... too bad you hadn't invested the money and still had access to all that extra cash cuz you can't eat equity but could have been earning 3 times more than the rate you were paying for that cheap money, compounded earnings year over year while saving on taxes for the next 30.

  • @Carnelian21
    @Carnelian21 Pƙed rokem +5

    Praise be to God! We just signed our closing today. $229,000 in mortage debt now. We are motivated like none other to pay this off as soon as humanly possible. Mortage literally means death pledge. Can't wait to be free! Congratulations on your success and thank you for spreading the inspiration ❀

  • @kelbryan8069
    @kelbryan8069 Pƙed 6 lety +84

    I found you unintentionally on CZcams, and you guys have been a real blessing. I am so proud of you. Congratulations!

    • @taniabrumskill9578
      @taniabrumskill9578 Pƙed 6 lety +2

      I did too. I just found them unintentionally today. I'm so inspired because she gave all glory to God above.

  • @velvasaunders1366
    @velvasaunders1366 Pƙed 6 lety +131

    I love it!! We paid of a $125K 20 year mortgage in 31/2 years on a one person fixed income with no money down!!!

    • @queenzcastle2695
      @queenzcastle2695 Pƙed 6 lety +8

      Velva Saunders That's the same amount my husband and I are working on now. Can you give me some suggestions please. Peace and Love.

    • @makaylawilson1315
      @makaylawilson1315 Pƙed 6 lety +14

      So great! I am setting a goal for myself as a single mom. With Christ ALL THINGS are OBTAINABLE with Faith and Works.

    • @HairGlamFashionAddic
      @HairGlamFashionAddic Pƙed 5 lety +1

      Thanks so awesome congrats

    • @terrenceholmes3
      @terrenceholmes3 Pƙed 5 lety +5

      How???

    • @Stoneface_
      @Stoneface_ Pƙed 5 lety

      Teddy James probably a physician or pharmacist

  • @DeedraBoodram
    @DeedraBoodram Pƙed 6 lety +84

    The two of you are such an inspiration. We are paying off our house and are on track to pay it off in 5 years. Its tough having to say no and make sacrifices but it is totally worth it. We have saved sooooo much money in interest already and thinking about the money that we will potentially have to pay in interest makes us want to pay it off even faster. Thanks so much for sharing!!! You two are rock stars!!! God Bless!!

  • @kirstylynn3723
    @kirstylynn3723 Pƙed 6 lety +19

    My husband recently got a job after military retirement and we are planning to put his paycheck on the mortgage! WE just bought our home last June during our retirement transition and it took him 9 months to find a job. He gets military retirement and over those 9 months we learned to live off of that alone so this extra money from his new job is a blessing and we are going to put it toward paying this new home off FAST!!!! Thank you for inspiring us! God Bless

  • @nisey088
    @nisey088 Pƙed 6 lety +157

    Amen! I'm so glad you mentioned that it was God, because He is the only one who can do the impossible!!!!

    • @trinityasabea
      @trinityasabea Pƙed 6 lety +2

      Niseygirl Love Amen. Totally agree with you

    • @Stoneface_
      @Stoneface_ Pƙed 5 lety +2

      Niseygirl Love totally disagree with you

    • @martycech5844
      @martycech5844 Pƙed 4 lety +1

      Niseygirl Love ... Amen

    • @THRASHMETALFUNRIFFS
      @THRASHMETALFUNRIFFS Pƙed 4 lety +1

      Lol... cuz no Jews, Muslims, Hindus, atheits, Humanist or Satanist ever paid off their mortgage... "logic".
      FunFact: Amen was indoctrinated into the modern church from the prior religious tribute to the God Amun-Ra

    • @monicawimberly3681
      @monicawimberly3681 Pƙed 3 lety

      I am proud of you two! Glad you know that the Lord receives the Glory! I need that link to your journal you mentioned. Plus do you have classes or books I can purchase? Please seek me out to help me. Thank you in advance. Oh, I need to listen because my life has changed

  • @Healedhomegirl
    @Healedhomegirl Pƙed 6 lety +21

    I just love this .....if y'all can pay off $330,000 in five years then I know my husband and I can get debt free in 3 years

    • @trippin9298
      @trippin9298 Pƙed 3 lety +1

      Yes u can. How's it coming along?

  • @amandaevans3610
    @amandaevans3610 Pƙed 6 lety +17

    Thank you for this! I've always felt overwhelmed about paying off the house, but because of you, I've decided to start next month with $20 extra, then $40 extra the next month, then up and up as much as I can! You are an inspiration!

  • @planwithyan
    @planwithyan Pƙed 6 lety +13

    My husband and I are not homeowners just yet. Right now we are paying off debt and his student loan. I am so happy to say that we have just payed off all my credit card debt which was unfortunately a bit more than his student loan. God willing we will be done with his student loan this December if not a month of two before December. We have definitely felt great about our accomplishments thus far. When we talk about saving to become homeowners we def say we want to give 20% as well. Thank you for inspiring others. Your joy is my joy. And it is true with God all things are possible!!! God bless you both and your beautiful children. 🎉🎉🎉

  • @conniepalmer2956
    @conniepalmer2956 Pƙed 6 lety +9

    You both are so spot on when it comes to clutter and finances. A few years back I tackled some clutter spots in my home. Once I got rid of the clutter my finances got better. By clearing the mail pile up on my dining room table and desk, I was able to make shifts in my financial affairs that saved me money and helped me control my finances.

  • @mnc604
    @mnc604 Pƙed 5 lety +7

    Just found y’all April 2019. I love your hearts! I’m going to add $20 to my mortgage payments going forward. Y’all pray for me!! đŸ™đŸœđŸ™đŸœâ€ïžâ€ïž

  • @soniainiguez16
    @soniainiguez16 Pƙed 4 lety +2

    My husband and I are following Dave Ramsey’s baby steps. We are on the road to also paying off our mortgage early. I got goosebumps hearing how full of joy you are and the peace of mind that you did this on your own! I can’t wait for my husband and I to be there! All glory to God and many blessing to your family and future goals!

  • @been3388
    @been3388 Pƙed 6 lety +79

    My husband and I sent the goal of paying off our mortgage in 7 years when we moved in 2 years ago, yesterday! You're right, God does amazing things - we have paid off $100,000 (just principal, I'm not sure the interest at this point) in the past 2 years. Not to mention in that during the past two years, from two modest incomes to just one, had to buy a "new" (read new to us) car, and had a baby. It doesn't make sense at all how we have been able to pay so much in 2 years except to say it's a complete gift from God! Only about $85,000 left to go!

    • @N1mro8
      @N1mro8 Pƙed 5 lety

      Keep it up! God bless

    • @MJ-mn1nr
      @MJ-mn1nr Pƙed 5 lety

      Praise God. That's wonderful

    • @mickyunit
      @mickyunit Pƙed 5 lety +1

      You are killin' that mortgage! Super awesome! 👍👍👍

    • @THRASHMETALFUNRIFFS
      @THRASHMETALFUNRIFFS Pƙed 4 lety

      "God" don't care about ur mortgage, you did it urself

    • @stacyferdinand3551
      @stacyferdinand3551 Pƙed 4 lety

      I accept the challenge and I will sow the $20.00 thank you guys for that valuable information đŸ™đŸœ

  • @mixedrapunzels9969
    @mixedrapunzels9969 Pƙed 6 lety +35

    Road tour. Your show should be on the road or on OWN, CNN or BET. Your message is applicable to so much even growing a business.

  • @kiarogers
    @kiarogers Pƙed 6 lety +25

    People are not happy unless they can find something bad or wrong with someone else. It's ridiculous! This may not matter in the grand scheme but, I am proud of this BLACK family being debt free! #livebyexample

  • @Adesewa9
    @Adesewa9 Pƙed 6 lety +33

    I do not have a mortgage at this time but I applied that to my car loan. This is a very helpful video and tips that can be applied to finances in general. Thank you.

  • @katiewagner9060
    @katiewagner9060 Pƙed 6 lety +22

    Challenge excepted!!! 😀 So ready to get rid of our mortgage! Thank you both so much for your inspiration and encouragement!

  • @natashasanders8785
    @natashasanders8785 Pƙed 6 lety +18

    Hey y’all! I’m buying my home next summer and I’m thinking about paying off my mortgage early. After watching this, My goal is to pay it off in 5 years. I’m grateful for your tips and inspiration!! Thank you!

    • @THRASHMETALFUNRIFFS
      @THRASHMETALFUNRIFFS Pƙed 4 lety

      Are yo retiring in 5yrs? Otherwise INVEST the difference! Mortgage is cheap money/good debt and you can't get the extra payments back if needed... Extra payment under $100/mo is fine and helps "buy down" ur effective rate but anything else should be in an individual investment account, when you have enough use it for a down payment on a rental duplex!

  • @kriskay2k9
    @kriskay2k9 Pƙed 6 lety +87

    I’m going to accept the $20 challenge but for my student loans!! God bless you and congrats!! 😄

    • @veeTYJ
      @veeTYJ Pƙed 6 lety +3

      kriskay2k9 Me too! â˜ș🙏🙌

    • @kneeapolytan
      @kneeapolytan Pƙed 6 lety +5

      I'm with you sis! I accept the challenge for student loans, mixing action into my faith to be free of trifling student loan debt.

    • @kriskay2k9
      @kriskay2k9 Pƙed 6 lety +1

      Yay!

    • @kriskay2k9
      @kriskay2k9 Pƙed 6 lety

      Go for it!! Wonderful!!

    • @MrsThollo
      @MrsThollo Pƙed 6 lety +1

      It's awesome that you get the big picture! So many CZcams watchers are negative and complain about the tips that are given. We just have to figure out how to apply them to our own lives.

  • @katrinagay1613
    @katrinagay1613 Pƙed 4 lety +2

    I'm taking that faith step and adding $100 dollars a month to my principal...Thank you for all of the great advice..Blessings to you and your family 💞

  • @MrStanley39
    @MrStanley39 Pƙed 6 lety +25

    people hate on everything,,,,,,,proud of you guys

  • @ourfamilypantry
    @ourfamilypantry Pƙed 6 lety +10

    We accept! Thank you for your testimony and encouragement and examples!! 🙏💗

  • @HisandHerMoney
    @HisandHerMoney  Pƙed 6 lety +4

    đŸ’„ Crush My Mortgage Course - www.CrushMyMortgage.com- bit.ly/2udwzQi
    We are so excited to tell you that the doors to our popular course, Crush My Mortgage is open!
    *Lifetime access

  • @brookiebakerie
    @brookiebakerie Pƙed 5 lety +5

    How inspiring!!! Thank you. I laughed out loud when you said you started your journey toward your goal only able to pay an extra $20 a month. You are SO right when you say that God will multiply what you have, even when the math doesn't make sense. I've seen that miracle happen in my life. When you put God first, He blesses you. It's that simple. Our only debt is the mortgage and we're looking at paying it off early. But thank you for the push to set a goal. If we set a goal we will have something to shoot for rather than just continuing to pay a little extra per month. Thank you and God bless!

  • @annalee6344
    @annalee6344 Pƙed 6 lety +22

    Omggg...its not an accident that I found your channel. I am so proud of both of you. Thank God for what he has done and is doing in your lives. Thank you for sharing and educating all of us. I am so pumped and motivated. With God leading, all things are possible. Keep up the excellent work.❀

  • @milkan.8552
    @milkan.8552 Pƙed 6 lety +5

    Congratulations to this grand achievement! I loved that you took time thank God in your joy for taking you through this journey. You’re a great inspiration.

  • @augustinelewis2125
    @augustinelewis2125 Pƙed 6 lety +2

    I just stumbled upon your video. I’m so glad I did!! Congrats and I’m super happy for you guys. I certainly take on the challenge and will add $20 to the principal of my mortgage. Small and humble beginnings are way better than not starting at all. Thank you for sharing and the words of encouragement. With God nothing is impossible!!!

  • @theresolutemindset9783
    @theresolutemindset9783 Pƙed 6 lety +1

    Congratulations!!! We just bought our first home & look forward to paying it down once we boost our emergency fund up and cash flow some furniture and minor improvements! Thanks for your motivation, inspiration and consistency encouraging people to budget and eliminate debt!!!

  • @Luis-cc9wd
    @Luis-cc9wd Pƙed 3 lety +4

    Thank you for your mortgage pay off videos. You inspired me and gave me ideas to pay off my mortgage. I finished paying off my mortgage 2 days ago and I am so thankful to all the people who helped me keep motivated. Thank you from the bottom of my heart and please keep making videos because I want more people to feel the way I feel about this great accomplishment.

    • @bradrobert5863
      @bradrobert5863 Pƙed 3 lety

      I can entrust you to Credit Patch-Up LLC smart service because he helped me and my husband remove our past eviction from our credit report and I just got approved for another card worth $30,000 limit and he cleared my friend credit card debt, he's 100% Real and Legit i assure you of a job well done from him you can reach him thru via [Jon@creditpatchup.com] he also remove any negativity item off your credit report: Bankruptcy, Tax Liens,Public Records, Evictions , Student Loans, Mortgage, Late Payments, Credit Card Late Payments, Charge Offs, Collections, he's one a kind go check him out friends you won't regret this

    • @keekee8760
      @keekee8760 Pƙed 10 měsĂ­ci

      Congratulations 🎉

  • @AL-pr2df
    @AL-pr2df Pƙed 6 lety +31

    your locs look AMAZING

  • @teachthem4ever
    @teachthem4ever Pƙed 6 lety +2

    You all are just beautiful! Thank you for sharing life changing information with us. You do a wonderful job of giving advice on “big ticket” items...house, car, tuition, etc. However, many families need to get a handle on everyday basic items before they can move forward. PLEASE, PLEASE do a video on saving on clothing, toiletries, groceries (I’ve seen you touch on groceries before, but more specifics would be helpful), utilities, etc. Thanks!!

  • @Sexxibaddy
    @Sexxibaddy Pƙed 5 lety +1

    I've been rounding mine up, y'all have me so motivated right now. The possibilities are so exciting when I think about paying off everything!!

  • @bensmomma331
    @bensmomma331 Pƙed 6 lety +15

    Awesome! I’m not a Christian but I love your channel! Congratulations!

  • @natashasmith1122
    @natashasmith1122 Pƙed 6 lety +11

    Thanks for another great video! I accept the $20 challenge! I believe God will multiply it!

  • @marycumpston1149
    @marycumpston1149 Pƙed 5 lety +2

    I love this sooo much! ♄ thanks for such awesome ideas and being so encouraging! Love the verses you shared and congratulations on your accomplishments!!

  • @SRJ-lx3wq
    @SRJ-lx3wq Pƙed 6 lety +2

    Thank you so much for all the very helpful information. Me and my husband just started putting an extra $100 toward our mortgage. The 15th of this month we are starting our own Accountability Program to pay off our home in 5 years. Please pray for us and that we will stay strong as a couple and a family and as children of the one true GOD (YA)! Thank you again for your supportive and informative channel. ONE.

  • @lilhoss1
    @lilhoss1 Pƙed 5 lety +8

    Y'all are a very neat couple! Thanks for taking the time.

  • @NikiJ08
    @NikiJ08 Pƙed 6 lety +6

    Awesome!! I'm 5 years behind, but my goal is to pay my house off in 10 years.

  • @rjon5624
    @rjon5624 Pƙed 5 lety +2

    Best video I've heard thus far reference paying mortgage off early. Great personal story!
    Y'all are super!

  • @omotanwa2986
    @omotanwa2986 Pƙed 2 lety +2

    You guys inspire me
    I am paying off my house in 5 years by the grace of God

  • @TheFamilyONetwork
    @TheFamilyONetwork Pƙed 6 lety +5

    Thank you for the insight family!

  • @vickieclark5931
    @vickieclark5931 Pƙed 6 lety +41

    Most average people think how empty my home is also. Sometimes they'll even tease me about how little I own. I just have the things I use and need. I love order and hate mess. I can have lots of junk everywhere also like most people. But that would just stress me out. I accept the mortgage challenge. I already added $60 to my principle in June. And I have it budgeted over $100 for the July principle.

    • @goldencolombiana007
      @goldencolombiana007 Pƙed 6 lety +2

      Vickie Clark I can relate to your comment. I don’t have much in my house either. I remember when I had recently purchased my house people telling me I needed to do SOOO many things to it and not because there was something wrong with it, it’s because our instinct is to remodel and spend the money. But I can careless, I’m not so attach to these type of material things like the huge tv or the fancy dining table.

    • @jackiecollins6163
      @jackiecollins6163 Pƙed 3 lety

      Don't worry about other people keep doing what's best for you . They will be alright

  • @mommiesfrugalfinds7318
    @mommiesfrugalfinds7318 Pƙed 6 lety +2

    Let them hate! The bank can’t take your house! People get jealous! You guys are awesome!! Keep going! So inspiring. I’ve been following since the couponing days!

  • @user-yi2qn7jb2k
    @user-yi2qn7jb2k Pƙed 6 lety +1

    Love this video! You guys are so inspirational and so encouraging! Just bumped up our monthly mortgage payment - Congratulations you guys!

  • @budezone
    @budezone Pƙed 6 lety +3

    Congratulations, Talaat & Tai on your new blessings. What an inspiration! Please include me in the mustard see prayer!

  • @karmank
    @karmank Pƙed 6 lety +35

    I dont have a mortgage but I have a car to pay off. I accept the $20 mustard seed challegne to getting it paid off sooner than later! Thank you guys! I've learned so much from you all!

  • @estherj.walker8658
    @estherj.walker8658 Pƙed 4 lety +1

    Just came to say YAY!!! I know this has given y'all so much peace having a roof over your family during these times â€đŸ„ł I love to see your bright future!

  • @deedbrown
    @deedbrown Pƙed 6 lety +1

    This really spoke to me especially when you talked about dealing with a living with the things you may not likefor now to get to where you want to be. Appreciating what you do have and working hard. Great to see good people doing well and motivating others!!!

  • @sammyalabamy111
    @sammyalabamy111 Pƙed 6 lety +63

    "With God All Things Are Possible" 5:30 Love it!

    • @martycech5844
      @martycech5844 Pƙed 4 lety +2

      Sammy from Alabamy ... Amen Brothers and Sisters, Amen !!!

  • @jenniferschimke1012
    @jenniferschimke1012 Pƙed 5 lety +4

    You two are inspiring! Im going to the bank after work and putting all the cash in my wallet towards the principal of my mortgage!

  • @rebaknox7428
    @rebaknox7428 Pƙed 5 lety +2

    Thank you for the encouragement... I am one of those who almost gave up on finances and homeownership because it seemed unattainable... We are just starting our debt free journey (starting with our budget.. so we are beginners) but we are inspired to start pushing

  • @YeeeeDino
    @YeeeeDino Pƙed 6 lety +2

    Congratulations on paying off your mortgage. The video was so emotional, I cried watching it.
    All the best. xx

  • @ginalakeland0078
    @ginalakeland0078 Pƙed 6 lety +8

    I accept the mustard seed challenge to apply an extra $20 to the principal of my house payment. I will be attending the webinar Friday. Thanks again for the valuable information you all share.

    • @simplyrea3457
      @simplyrea3457 Pƙed 4 lety

      Hello. I watched this video today and am extremely grateful that I did. I have lived in my home for ten years as of the end of May and am ready to be mortgage-free. As I listened to the two of you share your testimony I logged in to make my payment for June and added $20 to principal. Game on!!!!!
      Thanks to both of you for being a vessel and allowing God to speak through you. Many blessings to you and your family!!

  • @jake-mv5oi
    @jake-mv5oi Pƙed 6 lety +3

    I'm working on paying my house off in 5 years too. Here's how I've done it so far: Work hard in school & get good grades. Nobody will care how cool you were in high school... Joined the navy doing a job with good career options on the outside. Got a good paying job after 6 years in the navy. Volunteer for any overtime available. Live well below your means. I paid 4k cash for my Saturn SL2 and it's still my daily driver 12 years later. I do all my own repairs on it too. Don't go into debt for anything (except for mortgage obviously). Save a big down payment on a house you can afford. Pay $1000-2000 extra principal a month. I Bought my house 16 months ago, and plan to have it halfway paid off by the end of 2018. It's amazing what you can do when you don't buy stuff you don't need and don't care about what other people think. All this is being done while paying tithe and saving for retirement. Yes, money is tight for hobbies, but it will be worth it in the end.

  • @ShanajayeandEric
    @ShanajayeandEric Pƙed 6 lety

    My GOD i feel so blessed to have come across your channel THIS morning. I needed this TODAY. We're already pretty aggressive with paying off debt, but THIS is just what I needed to SEE, HEAR and RECEIVE at this moment. I'll be on tonight's call and I'm restructuring our budget right now! I already pay more on our mortgage (we hit our 1st year here next month), but I'm definitely changing our goal to pay this house off in 3-5 yrs. We can but we've never thought to. Why not, who knows but we are now! Praise GOD, in Jesus Name, Amen! đŸ™đŸœ

  • @Ericaskye89
    @Ericaskye89 Pƙed 6 lety +1

    Cant wait for the master class. We are in the process of paying off our home and it is SO hard to stay on track. Congratulations on your huge accomplishment! God Bless your family and home 😊😊😊

  • @michelarosier1918
    @michelarosier1918 Pƙed 6 lety +5

    Congration, 🎆👐👏🎇🎇👍You guys. Yes, I am happy for you, plus your our such a inspection for me. Forget about the haters, and thank you for sharing your journey with us as well. Please, share the master class video with us, I would love to see it. Please, I'm far away in Florida. Congration, again.đŸ€—

  • @RavinJaeDolce
    @RavinJaeDolce Pƙed 5 lety +12

    Congratulations! Can you clarify the math for me - at 3% interest you need to pay $5927 per month to complete a $330,000 mortgage. That's $71,124 After tax dollars per year solely to your mortgage with no living expenses. A middle-income three-person household in the USA earns between $45,000 and $135,000 Pre-Tax dollars. I'm very happy for you and truly want to do what you have done, but can you clarify the numbers and not just tell me about good will to multiply income; thank you.

    • @marshallme9382
      @marshallme9382 Pƙed 4 lety

      25% downpayment on 300k house they pay 30k in interest for the 5 years

  • @AmyDaisee
    @AmyDaisee Pƙed 6 lety

    The nay Sayers will always be there. You keep doing you! And what a great role model for those beautiful children!! I'm struggling but you give me hope. My youngest son has terminal cancer, so I've just started my you tube channel so you give me hope. God bless.

  • @cavavillven508
    @cavavillven508 Pƙed 6 lety

    Congrats to you and your family!! Lookinf forward to the webinar!!

  • @robertawhitfield2414
    @robertawhitfield2414 Pƙed 5 lety +3

    Enjoyed & congratulations 🎈🎊🎉...Oh Bless Him!!!

  • @Shesirie
    @Shesirie Pƙed 6 lety +7

    I would love to feel that homeowner feeling one day. Only if I found your channel in my early 20s

  • @melindabanning7707
    @melindabanning7707 Pƙed 6 lety +2

    I can’t do the $20 challenge yet because I’m trying to get out of debt and doing the baby steps and I like all the encouragement I can get thank you for sharing.

  • @meanoldbag
    @meanoldbag Pƙed 6 lety +2

    God Bless you both! We just added $100 to our mtg. payment last month - can't wait to join you and be completely debt free (love Dave Ramsey too!)

  • @lila2cute337
    @lila2cute337 Pƙed 6 lety +3

    I don't have a mortgage and am still on baby step #1 once again. But I'm fighting my way through this âœŒđŸœđŸ’–đŸ˜‡ Great job crushing that mortgage guys!!! So inspirational!!!

  • @EricEvolving
    @EricEvolving Pƙed 4 lety +3

    I was thinking 15 years to payoff, now I am thinking 10 or better.... Great advice guys and congrats!

    • @HisandHerMoney
      @HisandHerMoney  Pƙed 4 lety +1

      Go for it!

    • @bradrobert5863
      @bradrobert5863 Pƙed 3 lety

      I can entrust you to Credit Patch-Up LLC smart service because he helped me and my husband remove our past eviction from our credit report and I just got approved for another card worth $30,000 limit and he cleared my friend credit card debt, he's 100% Real and Legit i assure you of a job well done from him you can reach him thru via [Jon@creditpatchup.com] he also remove any negativity item off your credit report: Bankruptcy, Tax Liens,Public Records, Evictions , Student Loans, Mortgage, Late Payments, Credit Card Late Payments, Charge Offs, Collections, he's one a kind go check him out friends you won't regret this

  • @teresajones34
    @teresajones34 Pƙed 6 lety

    Challenge accepted! Thank you for the inspiration! Looking forward to webinar and Congrats to your family!

  • @lisadavis3773
    @lisadavis3773 Pƙed 3 lety +2

    Yes I will accept your challenge to put $20.00 on my principal on my mortgage..Yes I wanna sow seeds so I can grow I wanna thank you & your wife for inspiring me to let me know not to give up I have to remind myself (A QUITTER WILL NEVER WIN & A WINNER NEVER QUIT) THANK YOU FOR SHOWING ME HOW TO KEEP WINNING HAVE A BLESS DAY 🙏🙏💞💞💯

  • @plugged1
    @plugged1 Pƙed 6 lety +4

    Tai I would totally appreciate if you did a lifestyle CZcams channel and blog because I like your approach and perspective on life, budgeting, living intentionally and pursuing contentment. We will enter the housing market and I will utilize you all's tips on selecting a house.

    • @AL-pr2df
      @AL-pr2df Pƙed 6 lety +1

      Stephanie Gibson
      I agree!!
      I wud totally follow a lifestyle channel by Tai xx

  • @imakethislookez05
    @imakethislookez05 Pƙed 5 lety +18

    I expect the challenge
    Made our 1st payment last month and paid an extra $30 and it felt great

  • @sonya5568
    @sonya5568 Pƙed 6 lety +1

    Awesome couple. Thanks for sharing your story. I"m trying to get the mindset to pay off credit cards and i'm looking to buy next year and the steps i need to change/take. Missed the class but very happy for you. I love how you stated that you only had $20 extra to put towards your goal. Inspiring because sometimes many of us waste a good $50+ on food takeout, etc. Not to say that we can't treat ourselves out but sometimes it's done ALOT. Thanks for the info.

  • @PRETTYGIRLLOUNGE
    @PRETTYGIRLLOUNGE Pƙed 3 lety +1

    You guys are the BEST! I LOVE YALL! I'm a hairstylist and 1 of my clients told me about yall about 2 months ago and I've been a fan since. I hate that I missed your free class on how to pay your home off. If possible would you guys have a copy of this class? Plssss let me know. GOD bless yall

  • @Wim-Bella-ina
    @Wim-Bella-ina Pƙed 6 lety +34

    You guys are such a blessing!! Your story really encourages me. When I bought my home 3 years ago, I started off paying $25.00 extra. Since then, I've slowly increased my contributions. Can't wait for your class!

    • @Iamfendirose
      @Iamfendirose Pƙed 6 lety +4

      Bella Mina I brought my home November 2017 and I pay $25 every month towards principal too. I’m even more encouraged!

  • @TheGoldenLife170
    @TheGoldenLife170 Pƙed 2 lety +4

    This is no mistake God led me to this vid. Thanks for your encouragement. I’m about to do the $20 right now in Jesus name. We just got our first mortgage a few months ago. To God be the glory.đŸ™đŸœ!!!

  • @theairforce1877
    @theairforce1877 Pƙed 6 lety +1

    You guys are such an inspiration! Please keep doing what you are doing and sharing your real life experiences.

  • @mjones1122
    @mjones1122 Pƙed 4 lety +1

    I like how you sacrificed to meet your goals. Working together is huge! Talking about finances in a meaningful way makes all the difference in a relationship. Overall , living debt free is the not the American way for most people. We are now on the path to pay off our mortgage and can't wait.

  • @freddycorozal
    @freddycorozal Pƙed 6 lety +9

    I hope you guys can pass the class on the Apple podcast. I work Friday and have Bible study at night

    • @HisandHerMoney
      @HisandHerMoney  Pƙed 6 lety +4

      If you register and aren't able to attend you'll still be emailed the replay.

  • @classylil05
    @classylil05 Pƙed 6 lety +6

    You guys are inspiring my husband and I! 😍

  • @patmo9557
    @patmo9557 Pƙed 6 lety +2

    Congratulations, you guys are an inspiration! đŸ™đŸŸ

  • @EllyKallan
    @EllyKallan Pƙed 4 lety +1

    So happy for you both and your children! Congrats! Thank you for sharing such valuable information! You have made me see things different and start thinking how I truly want my life to be. Thank you. Grateful and content❀

  • @EnjoyingLifesJourney
    @EnjoyingLifesJourney Pƙed 6 lety +8

    Congrats Love It!!! Challenge excepted!! We are currently buying a house, (baby step 3b) closing on July 23rd!!! Our plan is to pay a minimum of one extra month's principal payment each month right out the gate with our very first mortgage payment than up it to 3 or 4 extra payments. Paying the house off in 6-7yrs. Thx for the inspiration!!

  • @BeaverPelt66
    @BeaverPelt66 Pƙed 5 lety +3

    What a blessing! Thank you for sharing your story and your tips. We need to get real and stop following the wolves who want to pull people away from basic, common sense teachings - live simple, pay off your bills as soon as possible, see sacrifice as a blessing that build character. Freedom is being debt free and living in God's grace and sharing with others. May God bless your family abundantly.

  • @lakeishar23
    @lakeishar23 Pƙed 4 lety +1

    My God! Back to back motivation. Between you both and Mrs. Richardson I'm feeling motivated

  • @deeanderson364
    @deeanderson364 Pƙed 4 lety

    Always pertinent! I'm so blessed to have found you! I'm running toward the goal!! Thanks so much!!!

  • @DonteeWeaver
    @DonteeWeaver Pƙed 6 lety +4

    Congratulations!!đŸ™đŸŸ

  • @AzariaBell24
    @AzariaBell24 Pƙed 6 lety +55

    Power couple! 🙌

  • @jennib9953
    @jennib9953 Pƙed 6 lety +1

    Congrats!!!❀ I am so Happy for you guy's. It is really a blessing to be debt free and to actually own your home. I am not for sure if I will ever buy a home but you guy's are truly inspiring me to think about it and to pay my home off early as well if I was to purchase one. Continue to be a Blessing to me and others.

  • @mickyunit
    @mickyunit Pƙed 6 lety +2

    You guys are so motivational! I've been throwing extra money to the mortgage... Planning to be mortgage free in 4-5 years! 👍👍👍

  • @eastcoastbudgetlife
    @eastcoastbudgetlife Pƙed 6 lety +3

    CONGRATULATIONS 🎉 I am so proud of you two! We currently put an extra payment of $10 towards our principal, but this month we except your challenge and will start paying an extra $20 towards our principal! đŸ€“

  • @kiashaw
    @kiashaw Pƙed 6 lety +12

    This is amazing, I prayed on this a few months ago to have our mortgage paid off in 7-10 yrs. We are also on a single family income, I'm a stay at home mom but my kids start school in August so imma find a job to add to the pot! If you don't mind me asking how much is your income?

    • @prncessbaby16
      @prncessbaby16 Pƙed 6 lety +1

      Kiashaw's World maybe you can be a substitute? Maybe even try to sub at your kids schools so that u can just pick them up right after? You also don't have to work everyday if u don't want to.

    • @kiashaw
      @kiashaw Pƙed 6 lety

      Cheyenne Michelle-Rena thanks you! I looked into substituting here and they don't get paid much at all. I don't know about everywhere else but it's horrible here

  • @sabrinavillemenay3503
    @sabrinavillemenay3503 Pƙed 3 lety +2

    Excellent Kingdom Wisdom! I started the 5 year mortgage payoff plan in February of 2020 by putting 100.00 on principal each month. Tithing and offers is also a principal of faith we much follow as Believers. Thank you both for being God's conduits of grace and wisdom for us all.

    • @HisandHerMoney
      @HisandHerMoney  Pƙed 3 lety +1

      We’re super proud of you!

    • @sabrinavillemenay3503
      @sabrinavillemenay3503 Pƙed 3 lety

      @@HisandHerMoney Thank you both for allowing the wisdom of God to flow through your lives. May the grace of God cover you always.

  • @tcslife3336
    @tcslife3336 Pƙed 5 lety

    I've been dragging my feet putting the extra money for the month on my car out of fear. Listening to you help give me the courage just to do it. Thanks for all you do fo us.

  • @LMBynum
    @LMBynum Pƙed 6 lety +10

    May I share this on my FB page? It’s so inspiring!