PAYING OFF DEBT FAST | FINANCE QUESTIONS | HOW TO SAVE MONEY
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- เผยแพร่เมื่อ 5 ก.ย. 2024
- Welcome to our paying off debt fast, finance questions, how to save money video. I hope you enjoy watching and learn something new!
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![เปิดใจ พี่ญา คนรุม หลังทัวร์ลง หนักสุดในชีวิต!! l [Nickynachat]](http://i.ytimg.com/vi/2-OJZRtclro/mqdefault.jpg)
Hey! I’m about to be a freshman in high-school and lately I’ve been thinking about saving up money and budgeting and this was so so so helpful!!!!!
The younger the better! Your future self will thank you!!
Yes Dave Ramsey got us out of debt too! Best feeling ever. I was able to work part time instead of full time. Impulse buys always get you in trouble. Lol. We also did no cable and had Netflix only. Stressful at first but like you said once you focus on the goal and start seeing the debt come off it’s totally worth it. I thrift and garage sale too. My son wears a lot of under armor and nike and no one would ever guess they’re second hand. Love your channel. ❤️
Yes! It’s amazing what you can find second hand.
I would like to add for the person that asked about the first child, because I have been there lol, that many ppl don't need ALL the baby stuff hahaha. Pack and play, simple dresser, carrier, car seat, clothes, diapers...you know, the essentials are what is necessary. I really overbought and didn't use most of it. The second time around, way more minimal. The second time around I also made my own baby food, its really super easy :)
I love that you guys do this!!! I am a stay at home mom and have been for almost 23 years. We went from 2 great incomes to one and it was hard at first. Our first born was born during a time where I was very sick and was not diagnosed until after finding out I was pregnant. Unfortunately, being pregnant and having my medical issues made for a very hard pregnancy. (I was asked SIX times to abort him...He’s amazing and everything turned out well, Thanks to God and our 22 doctors.) We had THREE insurances at the time and they all capped. In the end it cost a million and a half dollars to have him. No 25 year old is prepared for that kind of thing. But budgeting, consistency, and focus made it easier. Now, there have been times where it has been tougher than others but it works. We still budget and will even sit down and find where we can budget even more now, making way more money than ever before. We have tried not to live out our income.
Now, I know this might not be the popular part of my comment, but I’m not a “Dave Ramsey” fan. Now, before the rocks start flying, it’s nothing against him at all-it’s the organizations that put on his classes. 😂😂😂 In my little opinion I have never understood the fact that these organizations put these classes on and will ask those looking to become debt free to PAY for these classes, and they’re not cheap! 🤷🏻♀️ I understand, I could be way wrong and just going off what happens in our area. Maybe I don’t know that they are free elsewhere. I’m so sorry this part makes absolutely no sense to me. 😂😂
That is a crazy story!!
The classes cost because he charges a fee. That’s why he is so rich 😉😂 but all our local churches do classes for free!
Its so nice to see the two of you on the same page, that makes for a great blessed marriage. This is very informative information. TFS!!
It definitely makes it an easier process.
Girl you are right about the debt free smell! I kind of have the itch for a truck but your right. I have no payment right now so ill savor it another year or two 😉 We paid off student loans, no credit cards, have one car note. My husband has one year left to pay child support. Then we'll be using that money to pay off tthe house. This is what i needed to hear to keep on track.
Yes stay strong!!
Watching your old finance videos to reboot my paying off debt & saving enthusiasm! 🙌🏼 love your videos so much 💕
That’s awesome! Go watch Dave Ramsey.
I seriously love you two, you inspire me immensely xx
Awe!! Thank you so much!
I fell in love with your cleaning videos but when I found out you're Dave Ramsey fans, I fell in love all over again! Everything you said is on point! We're debt free as well! 💖😃
That is awesome! Congratulations! I know it doesn’t come easy.
Who goes through with a calculator in the store and adds up as they are going... Me. Lol. I've always attempted to stick to a grocery budget since I've been married, also a side effect of being poor or only having so much money to spend before that, I hate putting things back at the line. Lol. Walmart pick up is nice though. I'm a bit sad I forgot to do mine last night. Maybe I'll do one today and wake up early tomorrow. 😂😭 Have a good weekend.
Smart lady!!
Hi Ashley and Chase, I truly just love you so much!! You 2 are just so compatible and compassionate about life! I have to say that I love you hair straight also. Gorgeous!!! God bless!
Thank you so much!!
Somehow you’ve got me more motivated to get our finances in order!!
Do it!! 🙌🏼🙌🏼🙌🏼
Just wanted you to know that my husband and I sat down and watched together and we decided to make some extreme financial decisions now so that we could live more freely later! So, THANK YOU!! Always love all of your videos!
That is incredible! You won’t regret it when your finished.
Such wise heads on young shoulders. Love and hugs as always xxxx
Thank you so much!
I think my favorite videos are vlogs. We get to see more of your personality. 💜
Love this! I'm on my own debt free journey and this gives me so much motivation!
Good luck! It’s so worth it.
Literally my favorite couple on TH-cam 💕
Awe!! Thank you so much!
My husband has always been a 'tight wad'. I never appreciated that when I was younger like I do now.(married 39 yrs) However, our 34 yr old son has none of those financial qualities like his father. I'm so proud of you both to be so young and smart when it comes to money.
Thank you so much!
Thanks so much for this timely reminder/motivation. We are struggling to keep ourselves on track and it’s so frustrating. Time to break out the Dave Ramsey dvds and buckle down! 💵
Yes! Watch his channel here on TH-cam! It will get you back motivated!!
I love these videos to keep me going! Also, congrats on keeping your same lifestyle with the additional income and not buying a new car, upgrading to a huge house, etc!
Thank you! We have so much we want to save for! 😉🙌🏼
We paid off 70k last year and are debt free! It feels so good!! Love this video!
Holy moly!! Congratulations!
I love y’all so much! Me and my husband are trying to do this. We love Dave Ramsey!
It’s so worth it!
Love this video! Chase is so humble! God bless you guys!
Thank you so much!
I loved this video! My husband and I are in our first year of marriage and thankfully have no debt. But we want to save and be smart and this was very helpful! Love you guys!💙
Yes be smart from the beginning. It will save your marriage from lots of stress!
You speak total sense...we too are debt free and it's a great peace of mind, not easy to get into this position but well worth it. Thank you for sharing your wisdom.
Yes not easy but worth it.
Hey y’all thanks for another finance video. I grabbed my husband for this one and he was glad I did! He watched it completely twice! My husband has worked for the government for 40 years and is getting ready to retire . He was so impressed with the both of you especially Chase! We even watched a couple of you tube Dave Ramsey videos. Thanks again for sharing😀
Awe!! Thank you so much! I appreciate you saying so.
Really enjoyed this. I think we could probably all learn a little something from you guys whether in debt or not. I like the story of how you thought hard about your watch before buying it - bet that makes you appreciate and love it even more 😀 Thank you!
Everything is very planned around here. 😉
Because of u guys I cut down cable abt 6 months ago n now we just have Netflix, and I try to stay home most of the time so we can finish paying stuff we need 2. Thank u so much for making this kind of videos is a great help
That is awesome! Good for you.
Hai Ya'll! We follow Dave Ramsey too. We recently got out of debt this year and paid off my husbands gas getter in 14 months! Such a great feeling! Now since both of our kids are in college we are saving and paying for that in cash. Love your channel, you always have such great advice!
That is awesome!!
I followed your advice and got rid of my biggest debt! I sold my 2016 for more than what I owed! No more living paycheck to paycheck! Thank you! For your videos!
That is incredible!! 💕💕
I feel like this was so motivating. It's what my husband and I have done for the last 13 years. But it just really made me remember to stay on track and we will be so much better off. Thank you. I love your channel so much. From cleaning to ditl videos to financial advice. Love it!!
Thank you so much and good luck on your journey.
I got out of debt and started saving, then my neighbour had a leak n it poured through my ceiling ruined my bed, so I brought a new one, usually I'd have had to ask my parents or have it on finance!! So to have the cash to just go buy the bed felt amazing. Great video 💜
Yes! That is a great feeling!
We bought the rainbow back in the day too 😂 It was $1400-1600 back then!!!! Can only imagine what it is now!! You guys are awesome!! You are helping so many people with your finance videos!!! Love how you both care about everyone’s financial burdens & you try so hard to help accomplish the goals of being debt free! Love you guys so much 😘❤️🥰
Thank you so much. We want everyone to feel this kind of freedom.
I hear yall on the rainbow..we bought one last year paid cash ..but it's a regret 😥😥😥😥waste of money in my opinion. The love of my life bought it for me before he went home to be with the Lord...oh how I miss him.thinking of him watching yall...my heart aches and cry everyday...but thankful I'll see him again🙌🙌🙌💙💙💙
It definitely worked really well but it was so bulky.
About a year ago I had all the papers signed to buy a Rainbow vacuum and I called and cancelled maybe 2 days later. I am so happy I did otherwise I would have regretted that extremely large purchase as well. I do think it is an amazing product, though, and would love to have one some day. I noticed on Walmart's website there are refurbished ones for about $700. I've noticed, too, there are other companies coming up with smaller versions using the water.
Thank you for your video! I love getting information from Dave Ramsey. I've been working on getting my finances together. My husband and I are just starting to work with a financial advisor who followed Dave Ramsey's program herself so it's very reassuring to work with her because I know she isn't going to steer us in any crazy directions.
That is awesome! Good luck on your journey!
I don't follow any particular paying down/off debt program, but I'm currently doing the paying the lowest debt first scenario. It is so gratifying to see the debt dwindle. I'm kinda old school so no spreadsheets needed, just list everything down like you said and take it from there. Consistency is the key as well. And if you do go off target, don't berate yourself, just get right back into it as soon as possible. It's a process and it is hard. I plan on retiring in two years, so my goal is to pay off all my personal debt by then. TFS your tips.
Sounds like you have a great system.
Great video as always. We have no debt and make very healthy salaries and our focus is pay off our mortgage as well. I do use my credit card for everything because of the amazing cash back we get. I don’t overspend and stay on budget. It’s not the credit cards it’s the people and how they use the credit cards, IMO. I make several thousand dollars a year by using credit cards and getting the cash back.
As long as you can control them it’s okay. Some people just can’t. 😉💕
Love this so much you guys! We are debt free and currently saving EVERYTHING extra for a down payment to purchase our first home. We have moved a lot due to my husbands career but we will be settling permanently by early next year and listening to you guys is awesome motivation for the hustle! My husband is doing contract work out of state and working as many hours as possible, i'm saving all of my TH-cam income towards the down payment...the dream is worth it but it isn't easy! Thanks so much for sharing your experience 💕
It’s definitely not easy but you will be so thankful!!
Chase should be a motivational speaker! He definitely must work in a bank or Financial institution. You have one smart dude here Ashley. Normally their is couples that are not on the same page. One is a spender and one a saver but y’all have it together. Has it always been that way for you both? I’m so happy and proud that you Tube is helping you, your family and doing God’s work at the same time. You should definitely be proud of yourself! Thanks and have a wonderful weekend!
I definitely came into the marriage as the spender. He has taught me so much! I didn’t have debt but I would spend my paycheck when I got it! 😂🙌🏼
He works at a bank as an analyst. 😉
I'm so glad we paid our cars off!! I walked down my hall and felt water under my laminate......I pray it doesn't buckle up but I know we have enough money to get jobs fix...but u guys were on point with this vid....and your hubby is so sweet when you were talking bout your hair...mine do the same and I'm like whatever, in my head......I gotta to learn how to accept compliments...love you so much been with you from the beginning
Ha ha I’m not about accepting them either! Lol
I went and looked at a Buick Enclave and fell in love.... it’s less then what we owe on our Dodge Journey that’s 2 years newer 4000 more miles. Now we know what we want when we can buy so I’m excited just kicking myself for making such a dumb purchase when we bought our car. I follow Dave Ramsey loosely. My husbands not on board but I do what I can with Dave’s baby steps.
I love my enclave. It works best with both people on board but you can definitely do your best by yourself.
You two are so inspirational. I'm working really hard to get out of debt. It's a slow process but feels so good to know we're almost there. Thank you both for all the advice.
Stay strong!
Thank you for your insight & advice! Love you two together!
Thank you so much for watching!
Absolutely refreshing to see young people (I'm 56 😉) making intelligent choices with their lives and money!! We are debt free and I still use the envelope system! It's like an obsession for me, or maybe it's a control thing... 😂
I buy a new planner every year and write down our budget for the whole year!! I'm nuts! Haha
Thanks for your channel. You two are so sweet!! 💕
That’s so smart though!
This is the first finance video I am watching - and I have to say, what I already do (well, mostly lol) is so on point with what you guys are saying! I am so happy to be on the right track!! Moving from NY to FL, now owning our own house, I need the envelope system to do anything! (ANDDDD...it actually feels good!!!) I always told my friend who always said "I can't", to make it happen, even if you gotta put $2 away a paycheck, you will get that item! She still doesn't do it, and we do. We go on vacation, she doesn't. I wish she would understand! I must show her Dave! Thank you!!!!
I want everyone to understand the freedom. So many people are living in debt and piling on more. It’s crazy.
Watching this video a second time. I went over to Dave Ramsey’s channel after watching this video the first time. I’m fired up! Thanks!
Thank you! I love how feisty he is! 😂
Debt free smell lol! Love that! We will be debt free the end of this year and are cash flowing the build of our airplane. So happy we will be able to travel without stress on finances. Thanks for the video!
That is crazy insane! Congratulations!!!
Thank you all for sharing what you’ve learned. It is very informative and thank you for giving us an insight into how you manage your finances.
Absolutely. Thank you for watching.
So funny you mentioned Savannah loving her Justice...my daughter’s wardrobe is mostly Justice and one day she mentioned wanting to get Justice clothes....from the store. And it took one explanation that she has a closet full of Justice because we can get 10 shirts at thrift stores and garage sales for the price of ONE shirt at the store. That’s all it took and she’s never said another word. She LOVES thrifting with me! :)
Exactly!! Lol
I just love y'all... I needed this video this morning! I'm like you, I just wanted to be home with my babies.. I tried to work for a couple years since they was 9 & 11.. But I believe God was leading me different and came back home. So now with 1 income, it has pushed me to start doing what I love (selling DIYs and refurbished items).. I was trying to decide how to be a better help to my husband and this has convinced me. I am going back to all your finance videos and jumping on the Dave Rampsy plan! Thank y'all for being so open and honest about where you have been. So many people try to hide their past or current struggles....
I sincerely pray that God continues to bless you! Pressed down..shaken together.. Running over 😉
You are so sweet. Thank you so much and I wish you the best of luck on your journey!
Thank you as always for these videos! Always informative and inspirational 😁
Thank you so much Crystal.
I love the idea about using envelopes to budget. It's very helpful for our 1 income family of 3
Yes it will keep you on track.
We r huge Dave Ramsey fans too 😍😍😍. Ty for another great advice vid🤗 We r debt free!!!!🤗 It's great to have money in our bank in emergencies 🤗 I budget a little each month in case I want to buy a new shirt or jewelry etc. We do use a credit card to get points and the points add up and we get free restaurant gift cards but we pay off the card a day after we use it. Lol Oh yrs. We could have a huge house and brand new cars BUT we don't like payments 🙅
Definitely have some fun money! 😉
Hey Ashley, we're working on being debt free apart from the mortgage. This was motivational and informative. You're so right, the question of what life looks like on the other side of your debt is key because am a spender, thank God my husband is a saver and a Dave Ramsey fan. Thanks A&C for another great video. God bless and have a great wknd.
It’s so worth it when you cross over. I’m the spender too! 😉
Beautiful couple 😊
Thank you so much!
Would that 1,000 in savings change in your opinion if you knew there was an impending large expense that was unavoidable? My husband is Navy and we are probably going to have to move in a year so we need money for security deposits etc. We have that but personally I want more of a buffer on top of it even though we are currently trying to pay off all of our credit card debt.
Thank you so much for sharing videos like this. There is a lack of education that there is another way to live that doesnt involve credit. I am a thankful for my husband's upbringing in a Dave Ramsey family...I saw my parents struggle with debt and didn't know there was another way.
We paid off our student loans (private Christian schools are expensive) and we were able to live overseas and do mission work because of it. Living a debt free life is a liberating and free feeling. You have choices.
We recently transitioned back to life in America and were able to make job choices in a smart way that was best for us because we had no debt strings attached.
Long post to say thank toy so much for these encouraging videos and showing this as a sustainable way to live! 😊💙
That is an incredible story!! Bring debt free definitely opens up so many doors. We want everyone to experience it!
When you cut the excess from your life to save or to pay off debt, let your family know what you're doing and ask for experiences as gifts for things like birthdays or holidays. Annual passes to the zoo, movie passes, gift cards to restaurants, that type of thing. That way you still get some fun time without taking money away from your financial goals. It'll make it easier because you won't feel as deprived. And when you're feeling like this has drug on for ages, go back through your bills and look at how much debt you've paid off and take a great deal of pride in that. You're giving things up and living frugally for a reason and you can go back and look at those balances to see exactly how much you've already accomplished. That makes it easier for you to continue with that frugal lifestyle. :)
That is a great idea!! 🙌🏼🙌🏼🙌🏼
Thank you for this video! This is really what I needed to get motivated.
I’m so glad to hear it.
NO credit cards! Amen to that! Love these financial video's. Y'all lol👉 y'all give me hope. We are paying off our debt now and we have nothing extra in the budget... We survive right now. But we know it will be worth it😁
It’s soooo worth it.
Although here in Buenos Aires debt issues are a little different, I love the finance videos you and Chase do. I learn a lot!
Thank you so much!
We are starting our debt free journey and your finance videos are so inspiring to us! Thank you for sharing your tips and for being so encouraging! 😊
Good luck and stay strong.
I want a rainbow vacuum my grandma had one and loved it but if I were to get one all I would be able to see is a very expensive machine every time I used it. Maybe if it were under $400 but it’s too rich for my taste.
Buy one used! 😉
Best Vlog. If people would just listen. They have to find out the hard way. I don't like interest. I borrow money with zero interest. Yes I pay a fee but it is usually less than 100. This is was good. ♥️♥️♥️♥️
Great video. You are so helpful and super giving. You are both so inspiring, its lovely to see. Thank you for answering my question! Xxx
Thank you so much for watching!
You give wonderful advice and I love your, “Get the Great Value. Don’t be a snob” comment! More great advice! 😂
My husband and I have had one income our entire 28 year marriage. We also have three children which I homeschooled. My youngest is going to be a Sophomore this year. It can be extremely difficult to get out of debt, especially having a family, but it is definitely worth it.
Thank you for sharing such wisdom with those who are still learning. May God continue to bless you as you bless others.
Awe!! I love hearing from other homeschool families!! Good job mama.
Thank you for sharing your debt free journey as well as all the tips! God bless
Thank you for watching!
Love it!! I kept a little post-it note on my credit card and in my check book that said "Save!" ❤️❤️
Great idea!
Love u guys.... so inspiring! How about a vlog of a week in the life of a frugal family... how u show us actually step by step using ur budget...ordering on line.... paying with cash and perhaps all the sinking funds you r planning for the next 6-12 months... u guys r so inspiring so thank u for sharing...or perhaps a contentment video. Debtkickingmom has done several and it’s so inspiring and keeps u motivated. Ok just some ideas, thanks again👍🏼👍🏼👍🏼😊😊😊
I haven’t heard of her. I need to check her out.
I just love your family!💖 Thank you for all your hard work making these videos. When I see you have a new video up, it just makes my day!! My biggest problem with money is, I am a giver. Of course I get used a lot because of it, but I still give. Time and money. I just can't say no. But, I'm trying to learn to. I will do without to give to someone else. But it makes me happy to give. 🙂. I am debt free and have been for several years. And I'm very thankful. This was a great video. Thanks again!!
I wish I was your neighbor. I believe we could be good friends. You remind me a lot of my cousin.🙂.
Y'all have a wonderful weekend!
I’ve never heard of anyone going broke from giving. That’s the heart God gave you. 😉💗
I think your videos are great! This one was very motivating for me. I am a working mom of two and my husband just got a great promotion and I’m considering quitting my job to be home. Gonna pay some debt off!!!!
Yes! Pay it off first and quickly.
You 2 rock and thank you so much for the motivation please keep those videos coming 😀❤❤
Thank you so much!
I just love you ! My hubby and I are almost debt free !
Yay!! Keep pushing.
My favourite part about being out of debt, is the ability to give.
I completely agree.
You guys are such an inspiration.. honestly I already thought where I can make small cuts that will sure help our finances...Thank you sooooo much you guys, this video was extremely helpful 👍💕
All those small cuts add up!
I thoroughly loved this video! 💕 You guys really are such an inspiration! I love the fact that you figured this all out at such a young age! I wish we did that at your age. We are doing good now. But all the wasted years of frivolous spending we did 😬
It’s all Chase! Lol
I just love you guys! all the advice you guys give is so much appreciated!!
Thank you so much!
Thank You So Much😊 we are on our journey now and it’s hard but these videos are so motivational💕
Stay strong!!
Love the straight hair and love you both!!
Thank you so much!
I bought one of dave's books, I read it through and I would love to implement what he is saying, however, my spouse is not so keen! anyway, my son and daughter-in-law do his program and they are doing great! I am so proud of them! thanks for the video!
Dream with your spouse. Ask him his goals and figure out a plan to make it possible. 😉
I need a man like Chase, I love that he looks for the best deals...I would love to see him research deals on your youtube channel, everything from gifts, electronics, clothes, cars, insurance...thanks Ashley & Chase
🙌🏼💕
You two are so informative. Thank you so much!
Thank you for watching!
Only debt I have is my house and car! I have one small CC loan with no interest. Thankfully I have never done the whole credit card thing!
My biggest joy was that I was able to stay home with my boys, but now it's even better to be able to be a stay-at-home grandma!
🙌🏼🙌🏼🙌🏼
The thing about consolidation, we had to get a lower interest and saved ourselves thousands of dollars and years of payments by getting a debt consolidation loan from our bank. It was worth it in my case!
That was worth it!
Best comment "Debit free smell"... lol love it!
😂🙌🏼
Dave Ramsey has an awesome program for kids to learn how to manage money. It’s called Financial Peace Jr. my mom got it for our kids for Christmas and it’s great!
Yes I’ve heard about that.
Chase is very self disciplined for him to just put his portion into savings and i just wish my boyfriend was like that but were going to start the Dave Ramsey plan and I can't wait. Pray for us lol
He grew up saving so it’s all he knows! 😉
We too follow Dave Ramsey and only have our mortgage left! We also leave for Destin next week! Weird! Lol! Love watching your videos!
Ha ha have fun!! We just got back from there.
Thanks so much for doing this video.....knowledge is power!!!!
Yes it is!!
I buy clothes when back to school hit for the sales , I will buy perfume when mothers day or cologne around father's day . . I buy when i need which can be months or years down the line . I learn not to pay full price . catch sales and discounts .
Very smart.
Thank you for your video ! Always very inspiring !
Thank you so much.
This was a great video! You and chase are the best personal trainers for this!!
Awe! Thank you so much.
I love you guys and thanks for the great financial advice!
Thank you for watching
Great advice. I don’t own a tv, so my entertainment is my iPhone. I “watch” old TV shows (Like Andy Griffin) and TH-cam channels.
That’s awesome!
Oh my gosh you can borrow 103% of your mortgage? That’s wild to me! 😂 You can’t do that here in Canada- you have to have a down payment. Normally you have to pay at least 10% down, or 5% if you’re a first time home buyer with good credit. Also I totally agree if you have to buy it on credit you can’t afford it, and should wait. We have paid for everything with cash (besides our house and cars). Really enjoy your finance videos!
Our banks are crazy here! lol
After watching ur video it made me want to read The Money Makeover the only debit I have is my car payment and the only bills I have is life insurance and car insurance i have full coverage on my vehicle because it’s a new vehicle which I wasn’t planning on buy but when there is only three brackets holding my engine and was safe for me to drive but my problem is I like to spend money instead of saving I hoping subscribing to you to will Encourage to not spend extra money on items I don’t need
Well I hope you enjoy watching our financial videos!
Please keep doing these finance videos.
You got it!
Loved all the tips ! Thanks ! 👍🏻
Thank you so much!
I know this is an older video...love your hair
Thank you!