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Life over debt
United States
เข้าร่วมเมื่อ 17 ก.ค. 2023
Hey, hey there! Welcome to my channel. My name is Terra! I am a 46 year old cash budgeter (started July 2022), a wife, and a momma of 4. I started tracking my debt in May 2023.
I am silly, sometimes comical, and I like to have fun and make people laugh.
My goal is to be debt free (or close to) it by the time I turn 50. Along with paying off debt, I am choosing to live my life the way I want to. I'm not going to stress too much on how much we owe because I know that it will get paid. I want to enjoy my visit here on this Earth. That is how I became "Life over Debt."
May 2023 starting balance: $200,354.81
January 2024 starting balance: $180,983.09
Total amount paid since 5/01/23: $19,371.72
I am silly, sometimes comical, and I like to have fun and make people laugh.
My goal is to be debt free (or close to) it by the time I turn 50. Along with paying off debt, I am choosing to live my life the way I want to. I'm not going to stress too much on how much we owe because I know that it will get paid. I want to enjoy my visit here on this Earth. That is how I became "Life over Debt."
May 2023 starting balance: $200,354.81
January 2024 starting balance: $180,983.09
Total amount paid since 5/01/23: $19,371.72
Let's save some money for our sinking funds | Awfully chatty video | #savingschallenges
Thank you for stopping by today to do our savings challenges! I love to use savings challenges to help money into our sinking funds.
Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3
Linktr.ee: linktr.ee/lifeoverdebt
Questions? Email me at lifeoverdebt@gmail.com
For the savings challenges that go to my sinking funds, please visit these shops!
Camping: @WhatMattersMostNow
Concerts: @JanellRaeBudgets
Date Night: @budgetwithmamabear
Getaway: @BrighterDaysBudgetCo
Girls Trip: @thedramaticpanda
His/Hers: @stefsonabudget
Holidays: @GoldenGirlBudgets
Home: @lizandless
Medical: @SaraonaBudget2.0
Pets: @GoldenGirlBudgets
Special Occasions: @MadelineBudgets
Shopping: @lizandless
Tattoo: @BeccaBudgets777
Vehicles: @softlifebudgeting
Golden Girls Sticker Book: a.co/d/0d2IINOi
I started a Buy me a ☕️! Please don't ever feel like you need or have to buy me a coffee.
But, just in case you want to, here is the link!
www.buymeacoffee.com/Lifeoverdebt
#savingschallenges #debtfreejourney #sinkingfunds #challenge #debt #debtpayoff
#savingmoney
Please note that I am not a financial advisor!
I share with you what is working for my family.
Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3
Linktr.ee: linktr.ee/lifeoverdebt
Questions? Email me at lifeoverdebt@gmail.com
For the savings challenges that go to my sinking funds, please visit these shops!
Camping: @WhatMattersMostNow
Concerts: @JanellRaeBudgets
Date Night: @budgetwithmamabear
Getaway: @BrighterDaysBudgetCo
Girls Trip: @thedramaticpanda
His/Hers: @stefsonabudget
Holidays: @GoldenGirlBudgets
Home: @lizandless
Medical: @SaraonaBudget2.0
Pets: @GoldenGirlBudgets
Special Occasions: @MadelineBudgets
Shopping: @lizandless
Tattoo: @BeccaBudgets777
Vehicles: @softlifebudgeting
Golden Girls Sticker Book: a.co/d/0d2IINOi
I started a Buy me a ☕️! Please don't ever feel like you need or have to buy me a coffee.
But, just in case you want to, here is the link!
www.buymeacoffee.com/Lifeoverdebt
#savingschallenges #debtfreejourney #sinkingfunds #challenge #debt #debtpayoff
#savingmoney
Please note that I am not a financial advisor!
I share with you what is working for my family.
มุมมอง: 76
วีดีโอ
It's a cash stuffing Friday | Debt binder day | #debtfreejourney
มุมมอง 812 ชั่วโมงที่ผ่านมา
Thank you for stopping by today for cash stuffing Friday! We will be putting $900 in my wallet and debt binder! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Freebies: linktr.ee/lifeoverdebt Questions? Email me at lifeoverdebt@gmail.com I started a Buy me a ☕️! Please don't ever feel like you need or have to buy me a coffee. But, just in case you want to, her...
Finally, stuffing the Christmas binder | $380 | #savingschallenges
มุมมอง 1284 ชั่วโมงที่ผ่านมา
We are finally getting around to do our Christmas binder! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Questions? Email me at lifeoverdebt@gmail.com My freebies: linktr.ee/lifeoverdebt I started a Buy me a ☕️! Please don't ever feel like you need or have to buy me a coffee. But, just in case you want to, here is the link! www.buymeacoffee.com/Lifeoverdebt He...
August savings challenge reallocation | How much went to sinking funds and debt?
มุมมอง 1117 ชั่วโมงที่ผ่านมา
We are getting our challenges that were completed in August and reallocating them. We are also emptying the debt binder to see how much our extra debt payment will be! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Questions? Email me at lifeoverdebt@gmail.com My freebies: linktr.ee/lifeoverdebt I started a Buy me a ☕️! Please don't ever feel like you need or ...
Minis on a Tuesday? | Happy Mail | How many did we finish?
มุมมอง 1579 ชั่วโมงที่ผ่านมา
Thank you for stopping by today to do our Monday minis! I am using these challenges to boost my sinking funds and to make an extra debt payment! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Happy Mail contributors: @lizandless @budgetwithcarly @EllieOnEarth @stefsonabudget Questions? Email me at lifeoverdebt@gmail.com Here's where you can find the challenges...
Let's stuff some cash, shall we? | Last debt binder stuffing of August | More happy mail
มุมมอง 13719 ชั่วโมงที่ผ่านมา
Thank you for stopping by today for cash stuffing Friday! We will be putting $790 in my wallet and debt binder! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Freebies: linktr.ee/lifeoverdebt Questions? Email me at lifeoverdebt@gmail.com I started a Buy me a ☕️! Please don't ever feel like you need or have to buy me a coffee. But, just in case you want to, her...
Monday Minis | A little more happy mail | #mondayminis #minimonday
มุมมอง 166วันที่ผ่านมา
Thank you for stopping by today to do our Monday minis! I am using these challenges to boost my sinking funds and to make an extra debt payment! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Questions? Email me at lifeoverdebt@gmail.com Here's where you can find the challenges I am using: @stefsonabudget @TheBudgetingIntrovert @EllieOnEarth @rox_budgets ...
Cash stuffing Friday | Special guest | #cashstuffing
มุมมอง 17814 วันที่ผ่านมา
Hey, hey everyone! Thank you for coming over to watch. We're going to stuff or wallet, mandatory sinking funds, and our debt and sinking funds binders! I've started a Facebook page for my channel! Some place that I'll share what's going on in my life and pictures. You can also do the same! lifeoverdebt?mibextid=ZbWKwL Let's be friends on Instagram! life.over.debt?igsh...
Monday Minis | 8.19.24 | #mondayminis #minimonday
มุมมอง 18114 วันที่ผ่านมา
Thank you for stopping by today to do our Monday minis! I am using these challenges to boost my sinking funds and to make an extra debt payment! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Questions? Email me at lifeoverdebt@gmail.com Here's where you can find the challenges I am using: @Chatty-KathyBudgets @rox_budgets @budgetwithcarly @TheBudgetingIntrov...
1k giveaway winners! 🎉🎊
มุมมอง 21614 วันที่ผ่านมา
Thank you to all that entered the giveaway! Winners: Email me at lifeoverdebt@gmail.com. Make sure to put the # of the prize you won in the subject line. Also, make sure to claim your prize before August 23, 2024 11:59pm EST. Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Questions? Email me at lifeoverdebt@gmail.com My freebies: linktr.ee/lifeoverdebt I start...
I'm back... sorta | Cash stuffing $485 | #cashstuffing #debtfreejourney
มุมมอง 23721 วันที่ผ่านมา
Thank you for stopping by today for cash stuffing Friday! We will be putting $685 in my wallet and debt binder! Let's be friends on Instagram! life.over.debt?igsh=YzQ3b2psbDlxNTZ3 Freebies: linktr.ee/lifeoverdebt Happy Mail contributors: @lizandless @WhatMattersMostNow @MischiefManagedBudgets @lovinglifeat60ish Questions? Email me at lifeoverdebt@gmail.com I started a Buy me a ☕️!...
Sturgis trip 2024 | Car vlog | Yearly camp out
มุมมอง 22021 วันที่ผ่านมา
Hey, hey everyone! I'm sorry that I didn't do a vlog while we were away. We were just trying to live in the moment as much as possible. We had a great time, and our friends kept letting us know that they were with us! Stay tuned to the end for some pics!
CLOSED: Thank you for 1k!
มุมมอง 470หลายเดือนก่อน
Hey, hey everyone! It's finally here. I want to thank each and every one of you for helping me achieve this milestone. ❤️ All prizes are eligible for US residents. Only prizes that I state specifically are eligible for international are available for anyone outside the US. Rules: • Must be 18 or over and be willing to give me your mailing address. • Must be publicly subscribed. I will check. • ...
How much money did we save for debt this month? | Happy mail | #debtfreejourney
มุมมอง 312หลายเดือนก่อน
We are counting all of the money that was saved for debt in July. Each month, we take the money from completed savings challenges to make an extra debt payment. We also take any money that the challenges in my debt binder have accrued over the month. These challenges are not completed, but we take the money anyway and complete the challenges later on. Please go visit my friend Susan! She is one...
Update on the past 2 weeks
มุมมอง 556หลายเดือนก่อน
I want to thank each and every one of you for the love, kindness, support, and words of encouragement that you have given to all of us these last couple of weeks. It has definitely been a hard road, but we are all slowly learning how to live our new lives. Also, I want you to know that we are seeking help on how to cope with what we all went through that day. I'm just trying to remember all of ...
This is the hardest video I'll ever make
มุมมอง 60Kหลายเดือนก่อน
This is the hardest video I'll ever make
It's savings challenge day | Getting stuff done | #savingschallenges
มุมมอง 4122 หลายเดือนก่อน
It's savings challenge day | Getting stuff done | #savingschallenges
Cash Stuffing Friday | Debt Binder 7.5.24 | #cashstuffing #debtfreejourney
มุมมอง 2252 หลายเดือนก่อน
Cash Stuffing Friday | Debt Binder 7.5.24 | #cashstuffing #debtfreejourney
Thrifty Thirsty Thursday | We boop the snoot | #savingschallenges
มุมมอง 1612 หลายเดือนก่อน
Thrifty Thirsty Thursday | We boop the snoot | #savingschallenges
Debt Confession | Q2 & 1 year of tracking my debt updates | #debtconfession
มุมมอง 4172 หลายเดือนก่อน
Debt Confession | Q2 & 1 year of tracking my debt updates | #debtconfession
Spending recap | Week 26 of 2024 | #spendingrecap
มุมมอง 1362 หลายเดือนก่อน
Spending recap | Week 26 of 2024 | #spendingrecap
Monday Minis | Happy July! | #mondayminis #minimonday
มุมมอง 4012 หลายเดือนก่อน
Monday Minis | Happy July! | #mondayminis #minimonday
It's savings challenge day | Monetization tracker | #roadto1k
มุมมอง 2362 หลายเดือนก่อน
It's savings challenge day | Monetization tracker | #roadto1k
It's a cash stuffing day | Debt binder | More happy mail
มุมมอง 2452 หลายเดือนก่อน
It's a cash stuffing day | Debt binder | More happy mail
Thrifty Thirsty Thursday | Happy mail | #savingschallenges
มุมมอง 1732 หลายเดือนก่อน
Thrifty Thirsty Thursday | Happy mail | #savingschallenges
Savings challenge reallocation | How much are we sending to debt?
มุมมอง 2492 หลายเดือนก่อน
Savings challenge reallocation | How much are we sending to debt?
Weekly spending recap | Week 25 of 2024 | #spendingrecap
มุมมอง 1302 หลายเดือนก่อน
Weekly spending recap | Week 25 of 2024 | #spendingrecap
Monday Minis | Happy Mail | What broke now?
มุมมอง 2752 หลายเดือนก่อน
Monday Minis | Happy Mail | What broke now?
Savings challenge Saturday | 2 more completed | #savingschallenges
มุมมอง 2202 หลายเดือนก่อน
Savings challenge Saturday | 2 more completed | #savingschallenges
Cash stuffing Friday | Debt binder | #cashstuffing #savingschallenges
มุมมอง 1972 หลายเดือนก่อน
Cash stuffing Friday | Debt binder | #cashstuffing #savingschallenges
Great video. Well done on finishing your challenges.
Love that movie A league of Their Own
Always fun to plan a trip!😇💚
Florida next month! Wow! We have an anniversary party on the west side of the state today. Lots of driving today!
Great video Terra!!!! Yay for a getaway! I hope you have a great weekend!
Letters to Juliet?
Hey friend!! Girl get that tattoo money!!! 🎉😊❤ hope moms appt goes well!
Another great video frienny❤
Glad that you are going away with friends. You need it. Great savings. Be gentle on yourself
Fun Christmas binder stuffing!
Hello Friend! I bet baby girl is getting big. Hope your mom’s Dr appointment went well. Have a wonderful weekend!😊
Letters to Juliet
I’m impressed by your ability to talk and count at the same time on camera😂 great job! Also I’m interested to see how this experiment of combining gas with groceries go! Household with groceries yes, I do that, but not gas. My car wouldn’t get any gas cause the groceries would come for it so quick 😂
So I can kiss you whenever I want….🩷 favorite line. Sweet Home Alabama
A league of their own! Another great movie :)
Well done on your savings today
❤❤❤❤
❤❤❤❤
A League of Their Own...love Lori Petty ❤❤❤
You made great progress on your Christmas binder! :)
Great savings! Thinking of you 🌸💗🌷
@@FinancialDreamswithChristine awww, thank you. I appreciate that.
I do my minis every Tuesday, so it's normal to me! Sosorry about your friend. Cancer is a rough disease. Great Happy mail 🎉
@WhatMattersMostNow I've really got to get back on my schedule. I don't want to overwhelm myself though. I think by the end of next month, I should be back to normal with my videos.
Love that movie. Sweet Home Alabama ❤
@@Mjbee1 Same!!
That is one of my favorite movies. Sweet home Alabama!! It’s so good. Wow, that was amazing cash stuffing. You got a lot done. Love the challenges and your binder. If you got a good therapist it can work. I’ve seen a handful of them and now I actually got one that actually helps me. She is so caring and is used to me crying. Haha. I wish you the best with it. Love you sweetie ❤
@misha7427 love you too girl! I didn't realize how much I had saved up to stuff for Christmas. I kept telling myself that I didn't have enough to do a video...then I counted it! 😅😅 She immediately made me feel so comfortable and relaxed that I found it easy to talk with her. That's important to me. ❤️❤️
Sweet Home Alabama, one of the few RomComs this horror lover actually likes lol.
@@emersonnickolas I haven't met or talked to anyone who disliked that movie. I think it's because Reese is such a likable actress.
Wow, an amazing job, Terra.
Thank you Margaret! Here's hoping we can do better this month!
Hey Terra, aww grand baby is so cute. Great job on finishing challenges.
@@margaretpridham9974 haha..I could only wish she was my grandbaby! That little dose of cuteness is my goddaughter.
Sweet Home Alabama 🎶
@@stankfamily girl, you know that was a great one!
@@Lifeoverdebt I want one of the glass sculptures from the movie 😫
@@stankfamily me too!
Yes I know this movie!!! Blast from the past! I think I got this... is it Sweet Home Alabama??? I loved that movie 😍
@@deannaedwards1147 it is! Love that one. I have the sign with that quote over my bed!
Sweet home Alabama!!!!
@@BudgetStuffSaveRepeat woot, woot! You go girl!
I personally like long videos, great games, Blessings
@@AEBudgetz I don't mind them myself every now and then!
Wow great savings and an awesome payment towards debt! 😊
Thank you so much!!!
hey girl hey!!...sweet home Alabama! glad you were having a better day today ❤
@thedramaticpanda yes ma'am! Ugh.. it's a vicious cycle. Good days just make me feel bad, so then it's a bad day. It'll get better. 🤞
Sweet Home Alabama!! lol love that movie
@@NotJustABudget I mean, who doesn't, right? If someone dislikes that one, I don't know if I could be friends with them! 🤣
@@Lifeoverdebt right lol 🤣🤣
Awesome savings love!!!
@@Trinity1976 it's about time I got to this, right? 😅
❤❤❤ Terra... Sweet Home Alabama Just remember, I am 3 hours away....if you ever need me, ill be there ❤❤
@Trinity1976 the fact that you know how far away we are from each other makes my heart so happy. We are definitely going to have to meet halfway soon!
You are doing so well. Just be gentle with the process (even though it stinks sometimes). Keep putting one foot in front of the other. Great savings
@@ozzietux thank you for always being so encouraging! ❤️
Hi Terra! Here watching!
@@angbudgetanddebt hey Ang! 😊
Hi Terra 👋 fantastic savings 😊🩵
@thebudgetevolution thank you. Not too bad for being a slacker this month!
WATERBOY!!! Great mini tuesday love, congrats Stef :)
@@budgetfor5withstephanie yes girl! ❤️❤️❤️
Great extra debt payment terra🎉
@deannaedwards1147 hey my sweet friend. Thank you so much for always cheering me on! 💓
New Subscriber! Coming over from Financial Dreams with Christine. Way to go with the savings!!! Looking forward to following your journey! 💕
@@plannedwithlove hello! I am glad that you came over!
Sent over from Financial Dreams with Christine!! So excited to follow your finance journey!!
@@jennyenvelopes Hi! Welcome to the crew! I am so excited to have you here.
Holy cow! I swear I paused and guessed before you added. Omg lottery ticket here I come. Man I hope I win a big prize lmao!! 🤣🤣🤣🤣
@stefsonabudget hehe.. yes! Buy that ticket girl! I'm ready for a girls trip.
Hey bestie! Man I should have been adding along with you 🤣 my guess is $879 lol 🩷🩷
@@stefsonabudget I'm telling you.. it's like we have ESPN! Bonus points if you know the movie!
Great video! ❤ That's awesome! 😊
@@Niensbudget 😁 thank you!
Great job saving this month!
@stankfamily hey Charla! Thank you friend! Let's see if we can make September even better.
The baby is beautiful 🥰, awesome video ❤️❤️
@@TceeBudgetsUk thank you! I think we'll keep her! 😊
Thats amazing Terra!!!❤❤ Mias almost done with your package!! Cant wait to send it!!
@Trinity1976 awww... I can't wait!
Hey friend, happy Tuesday! I'll take minis any day of the week!
@thedramaticpanda gurll...me too! I hope that you are having a fantastic week! ❤️