2019 FINANCE Q&A | DAVE RAMSEY BABY STEPS | LIFE CHANGING GOALS

[@_KimberlyHalle]

We still live off just my husband’s income. My income paid for the house remodel. This year my income will go to clear the cars and so happy about that.

[@TilVacuumDoUsPart]

That’s the best way to do it. We live off Chases as well and mine is for savings and extras!

[@hootieyouluv8362]

Style Mom XO great job! Good luck to you and your family!

[@donnadenney8486]

Thank you for sharing Dave Ramsey ❤️ I’ve been following the baby steps for a year and a half and it has completely changed my life!! I wish that everyone could see how amazing and freeing it is to live like this!!! ☺️🥰

[@TilVacuumDoUsPart]

I agree!! Thank you for watching!

[@heatherjackson304]

Dave Ramsey is LiFE CHANGING! You are so right about the absence of stress - no fights about money, no sleepless nights wondering how we are going to pay a bill, etc. My son is a freshmen in college and instead of stressing over tuition bills - I can just pay them and move on. Being debt free has literally changed our lives.

[@TilVacuumDoUsPart]

That is so awesome!!

[@vickie7319]

Love this video! not a fan of Dave Ramsey but I could listen to the two of you talk about money management all day long :) such great tips, thank You!!

[@TilVacuumDoUsPart]

Thank you so much!

[@AJ.943]

This is how we live. We don’t believe in debt....and we’ve lived on one income with three children, a modest home, used cars....and we couldn’t have created a more happy life. So great that you are sharing this with people . 😊❤️ Love you guys!

[@TilVacuumDoUsPart]

Sounds like you did it right!

[@makes-allsorts]

Everyone needs a Chase in their lives......oh wait, we have one. Such great information given. Thanks guys, I do budget but always good to hear and confirm what you’re doing is right xx

[@TilVacuumDoUsPart]

Ha ha!! Yes!!! 🙌🏼🙌🏼🙌🏼🙌🏼

[@susantwitty9262]

I love how passionate you are with sharing this topic. I can tell you care about helping your viewers be successful!

[@TilVacuumDoUsPart]

Thank you! We truly want the best for all of you!!

[@blanchep216]

Awesome, we've followed Dave Ramsey and the baby steps for years now and it truly is a game changer! Our son recently got engaged and hubby and I plan to pay to have him and his soon to be wife go through FPU! I can talk till I'm blue in the face and he doesn't hear me when it comes to money so I think FPU will be a big step in the right direction as they start their life together!!

[@TilVacuumDoUsPart]

Yes that would be the best gift you could give them.

[@hollydobrovich6219]

I love the way you stay so humble , like if KZbin ended you will still be ok, you don’t see that or hear that very much on KZbin 💛

[@TilVacuumDoUsPart]

Thank you! I love KZbin and what it’s allowing me to do but I love being just a mom too!! I would be happy going back to that life as well!!

[@deloresruiz4696]

My husband and I watched this video. Immediately watched some Dave Ramsey videos and sat down went over our budget and put a envelope system into action!

[@TilVacuumDoUsPart]

That is awesome! That was smart to react so quickly!

[@scoutsami01]

Love finance videos with you two!! Wonderfully helpful and motivative. Thank you!

[@TilVacuumDoUsPart]

Awe!! Thanks.

[@family-peace-love]

Love it. We just moved in with family for a year to clear our debt since we had terrible neighbours and so to be able to rent a nicer home we need to be debt free.

[@TilVacuumDoUsPart]

That was a smart move that will pay off.

[@kimtomlin7783]

My son uses the Dave Ramsey program. He actually leads the classes several times a year at his church my daughter and her family have also been through financial peace. It’s an amazing program

[@TilVacuumDoUsPart]

Yes! We did it with our church as well!!

[@mcana1435]

Love this! My husband teaches Dave’s curriculum at the high school level and we did our debt free scream on the radio show in 2017 and going to the smart conference in Dallas next weekend! It truly is life changing!

[@TilVacuumDoUsPart]

No way!! That is awesome!!

[@mcana1435]

Til Vacuum Do Us Part it was so much fun. I’m so glad you are open about your journey as I truly believe this is life changing. I’m happy you can spread the word! I love your channel!

[@TilVacuumDoUsPart]

Thank you so much!

[@mcana1435]

Til Vacuum Do Us Part I found our old Instagram post from our debt free scream and tagged you in it! It was a really cool experience and now we have helped two family members go through FPU. I’m so happy you are helping others through your channel 😁

[@TilVacuumDoUsPart]

I’ll go check it out!

[@texas1973100]

I picked that book up at half price books! So ready to get out of debt!

[@TilVacuumDoUsPart]

Yay!!

[@jules1011]

THANK YOU! I wish you both would consider making this a frequent vlog on your channel, the reason especially for me is I’m the type that needs to be reminded and my thought process especially with funds needs to be reinforced. I’m the bad one in the family, when you spoke about “nickel and diming” that’s me to a T! Again thank you both so much, I couldn’t hear this encouragement and information enough. Edit: A huge thank you for creating the spreadsheet for us to use 👏🏼👏🏼👏🏼

[@TilVacuumDoUsPart]

We will definitely try to film more this year!

[@randibennett1470]

Wonderful tips not only for finance but for living life and having a good marriage. Love your videos and thanks for all your motivation!!

[@TilVacuumDoUsPart]

Awe!! Thank you so much!

[@mjae4774]

I love it when u guys talk finance! I have already changed so much of my family's life from your tips! Thank you!

[@TilVacuumDoUsPart]

We absolutely love hearing it!!

[@Lea2008-k8b]

We love Dave Ramsey. Our church did it for a year in small groups. I love your videos keep up the great work. One thing I do is I make a list of the things in the house I want to do it change and I go to goodwill, wait for huge clearance sales. And if I find something on Amazon i.like, I add it to my cart or wish list and wait for awhile and then I make the decision to purchase it or not. I had to leave my job last year as I had hurt my back and sitting or standing for long periods is no longer a option. In October of 2018 we were destroyed by Hurricane Michael, we learned so quickly what was most important. God Bless you and your sweet daughter.

[@TilVacuumDoUsPart]

Yes we did the program through our church once as well. I feel like every time you go through it you learn something different!

[@brendareyes1871]

I love these financial videos. Very helpful. I’m feeling motivated!!

[@TilVacuumDoUsPart]

I’m so glad you enjoy them.

[@adrieanam8786]

Dave Ramsey changed my life!!!! Paid off $40,000 in 14 months!!! This plan works!!!!!

[@TilVacuumDoUsPart]

You go girl! That’s awesome!

[@hootieyouluv8362]

Adrieana M great job!

[@melissac304]

I did Financial Peace University a few years ago - best thing ever! I love his KZbin also. I got a lot out of being in a class with other people in the same place I was. I'm not debt free yet, but I'm working the plan!

[@TilVacuumDoUsPart]

I enjoyed the classes too.

[@kaylajones9699]

I just recently came across your channels (LOVE, by the way & I've been binge watching!) But, I've really been binging these videos. My issue is, I have all the motivation in the world to pay off debt (& thank God it really isn't a lot) however, it seems like every time I get any sort of extra income, something else always comes up. But these videos give me so much motivation, so thank you! Beautiful family, by the way! Definitely a new subscriber!

[@TilVacuumDoUsPart]

Totally understand!! That’s why it’s important to get your $1,000 emergency fund saved as fast as possible. You got this!! 😘

[@Jennhealy]

My husband and I went through financial peace and it was the best thing we ever did!!

[@TilVacuumDoUsPart]

Agreed!! 🙌🏼🙌🏼🙌🏼

[@teriharris8857]

Fantastic tips! Love Dave Ramsey! You guys are an awesome team!

[@TilVacuumDoUsPart]

Thank you so much! We love him too.

[@annielou85]

Was never in debt and never will be thanks to my parents and me and my husband being on the same page! Plus we love Dave Ramsey 👍😊

[@TilVacuumDoUsPart]

That is awesome!!

[@kimdavis8884]

My husband is obsessed with Dave Ramsey. I’ve adopted the envelope method and I love it!! New year, new me 😁😆

[@TilVacuumDoUsPart]

Once you do it for awhile it gets so easy!

[@laurah6381]

Debt free!!! 🙌🏻🙌🏻🙌🏻 cash envelope system and 0 balance your paycheck every month!! I refuse to pay that much interest for STUFF! Thanks for sharing! 😘

[@TilVacuumDoUsPart]

Yes!! Exactly!

[@therayfamily8244]

We just took financial peace university highly recommend the class!!! We love the Dave Ramsey system

[@TilVacuumDoUsPart]

Yes it’s an awesome course to take!

[@therayfamily8244]

@@TilVacuumDoUsPart it is so worth it! Plus we got to meet ppl in our same situation

[@hiimynameisdanielle]

This is perfect timing! We plan to be debt free on everything except my car this year. Then we will work on my car! Can’t wait! Most things will be paid off by April so I’ve been waiting for 2019 to come!!!! Thanks for these videos, they get me so pumped up!

[@TilVacuumDoUsPart]

Don’t give up!!

[@amandahaak5077]

Great video! I’m such a numbers nerd 🤓 and seeing my balances go down is so satisfying. So much more so than buying something. I found you after watching Dave Ramsey on KZbin.

[@TilVacuumDoUsPart]

Ha ha I’m not a numbers girl but I still find it super satisfying!! 😂😉

[@ambera2076]

My fiancé & I have been doing the Dave Ramsey plan for almost a year now. He started with 30k in debt & is now at $4500. I’m in nursing school & will finish with no student loans in May. We’re also cash flowing a wedding! Dave Ramsey is truly amazing.

[@TilVacuumDoUsPart]

Wow!! You are doing things right!! 😍

[@lizs1295]

I never thought to watch his YT channel. Im excited to play it on my mini iPad while cleaning!

[@MrsJulia-iq3pw]

Great advice! I loved the bloopers at the end! Y’all are so cute together.

[@TilVacuumDoUsPart]

Awe!! Thanks! 😂❤️

[@alifewelldunn8492]

My husband and I started following Dave Ramsey 2 years ago and it has dramatically improved us financially! I love using the EveryDollar app to track.

[@TilVacuumDoUsPart]

Yes I agree!

[@veronicadamewood4301]

Thanks so much for the spreadsheet. Our downfall is definitely eating out. After working all day, I seldom want to come home and cook too. If I am organized to do a crock pot meal, I am fine, but that doesn't always happen. I have filled out the spreadsheet and think I will do the envelopes for eating out and household items/decor. I am super motivated!

[@TilVacuumDoUsPart]

That’s awesome!! You got this!

[@Seandrini81]

Thank you so much for this video! This is one of my goals for 2019 and you made me that much more motivated to start tackling our finances and debt!❤️

[@TilVacuumDoUsPart]

Woohoo!! Keep watching Dave! He will help keep you going!!

[@yolandam5359]

Y'all are great at these finance videos thanks for the tips

[@TilVacuumDoUsPart]

You are so welcome!!

[@juliekeenum2824]

I looked forward to this video all day. Really, really, really great advice. I just don’t want to do cash envelopes but that’s just me. You also answered my question so I thank you for that. I would love to see y’all more videos like this.

[@CP12350]

I’m 29 years old and purchased a two-family home in July of 2014 for $214,900. It will be paid off in March! I have sacrificed yummy daily coffees, luxurious vacations, driving a luxury car, like all of my family and friends and it’s finally become all worth it! Everyone has asked me how I’ve done it. I’ve saved a ton since I started working at age 15. I’ve always tried to work as much as I could while still vacationing (on a budget) twice a year. I hate being called cheap - I label myself frugal. There’s absolutely no need to purchase a brand new car just because the payment is “only $400 a month.” I drive a 2007 CRV - paid $8,500 cash out of pocket. I was told “you’re young and single you should get yourself a brand new car.” That mentality is completely ridiculous. My car has GPS, automatic starter, leather, and sun roof - why should I spend more? For what? It gets me to where I need to go. It’s not hard to save you just need to be disciplined and stay focused on your goal. Stop acting rich in order to impress others - I feel like everyone is in competition with each other due to social media. It’s a very good feeling to be debt free and I’m proud of myself. If I can do it, you guys can too!💙

[@TilVacuumDoUsPart]

You can as many coffees and vacations once it’s paid off. It will be so worth it. You’re doing awesome!

[@janniestanley]

Bought the Financial Piece University kit for our kids. They started it, we’re doing great and then quit. One of our two adult children is still in debt. We are debt free except mortgage. Paid cash for our “brand new car”. Retired. God has blessed us in this area. John Commuta is another great program to use. The only thing I personally don’t care for about Mr. Ramsey is his bad habit, as a Christian no less, of name calling and using “stupid” and “idiot” constantly. And “Shut up”. He’s brilliant. But if he’s trying to encourage people to become debt free, and they’re already down, why belittle them even more? Otherwise...his program will not fail anyone...if one follows it and uses it correctly. Thx for the candid video. These are encouraging.

[@TheMudPup1]

Love this... 20 minutes isn’t long enough.. lol I vote Monthly budget chat videos. 👏🏼💰 my goal is get debt semi-free by December 2019

[@TilVacuumDoUsPart]

We can definitely add more videos in!

[@julies9267]

Preach!!! You two did such a great job getting people motivated and excited about money! I've followed Dave Ramsey for a while and are on step 5/6 since our kids are still young. Love the bloopers too!! 😂 p.s. thanks for answering my question! 😉❤️

[@TilVacuumDoUsPart]

Thank you so much!! 😍

[@citychicdoc1596]

You provided some very practical tips. My grant sponsored job ended after three years. I saved what I thought was a year’s worth of living expenses to tide me over until I secured new employment. It turned out to be 8 months of living expenses. It tided me over until I found employment. I also managed to continue with small things such as getting my nails done (I know that’s a no no). It also made me realize how I really didn’t need some items. I also shopped my house when I wanted new decor.

[@TilVacuumDoUsPart]

Yes I love shopping my home!!😉

[@kentuckygal10]

Thank you so much for these videos! My husband and I made some mistakes early on in our marriage and are fixing those now! So excited to start a budget and get financial freedom this year!

[@TilVacuumDoUsPart]

It’s never too late! I wish you the best of luck on your journey!

[@andreahubbard3766]

Love this!! Doing the problem now with my sisters and niece!! So excited. Thank y’all so much this!!

[@TilVacuumDoUsPart]

You are so welcome!!

[@litterof6living4thel]

Love Dave Ramsey and his way of getting debt free. It has helped us so much!

[@TilVacuumDoUsPart]

Yes! His plan is life changing!!

[@sarahlee8508]

Loved this video. Thanks for sharing and being so relatable. Please do more videos like this.

[@TilVacuumDoUsPart]

You got it!

[@melissawilliams4753]

Thank for the video . It was great !

[@TilVacuumDoUsPart]

Thank you for watching!

[@Edwardsmeagan]

I love that you are using your platform to share this information!! ❤️

[@TilVacuumDoUsPart]

Thank you so much!! I want you all to have the best lives and I truly believe this works!

[@Edwardsmeagan]

Til Vacuum Do Us Part agreed! We love uncle Dave!

[@TilVacuumDoUsPart]

😂😉

[@mzdiamond9531]

I really needed this video especially with a baby coming and I truly think if I step back and take baby steps I can do this method. The most amazing thing is I don't have unnecessary bills so I can't wait to see how it turns out for me💵💵💵 lol the blooper was hilarious have a blessed week and may God bless you and your family🙏❤❤

[@TilVacuumDoUsPart]

Good luck on your journey!

[@becky8683]

Thanks guys for the motivation! Great video! 😊

[@TilVacuumDoUsPart]

Thank you for watching!

[@doreenellis7877]

Thank you SO much for the financial info!!! I love you guys and your channel❤️

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@Ccnewman17]

Great video! Thanks for the extra motivation! I’m determined to get back on track this year!

[@TilVacuumDoUsPart]

You are very welcome!

[@TheJennyjenz]

This is all SO true! I have bought (and sold) two houses and the tip at 9:14 is so the truth. The lenders do not care about you and your bills. This content is real, Ashley! I've always lived within my means and had small debt. It's all true though - sell what you can and SAVE for your future!

[@TilVacuumDoUsPart]

Yes! Yes! And yes!! 😂🙌🏼😉

[@kavithav9977]

Wow it is motivating to hear you guys talk on finance especially since you are debt free. Maybe chase should one day do an hour on this topic. Btw loved the bloopers.... Have a great weekend

[@TilVacuumDoUsPart]

We could spend hours talking about this!! 😂❤️

[@lynetteeaster1541]

Thanks for all the finance tips we have had some of the Dave Ramsey classes @ our church . We have never been able to afford to take them so this has helped a lot. Thanks so much. : - )

[@TilVacuumDoUsPart]

You are very welcome!

[@83ladygaga]

Great budget tips and cash envelope ✉️ ideas would love to start this and stick to it. Totally enjoyed this video 💯 about saving 💵💵

[@TilVacuumDoUsPart]

I’m so glad you enjoyed!

[@83ladygaga]

Til Vacuum Do Us Part I kept this video in my favorites so I can go back to it if I forget anything.

[@TilVacuumDoUsPart]

I love that!

[@83ladygaga]

Til Vacuum Do Us Part 💯✨😊

[@maryjokaloian2890]

Yay thank you for sharing. My hubby and I started the cash envelope system in November. It helps so much and we feel more in control with our money and by seeing where it's going. We found out bulk buying at Costco is a no go for us!

[@TilVacuumDoUsPart]

It helps a ton!

[@dianakothapally5643]

This was the most awesome workout video for me ❤️❤️ thank you Ashley!! I pray god will take you and your channel to greater heights this year! God bless you!

[@TilVacuumDoUsPart]

Thank you so much!!

[@heatherjoy9355]

These videos keep me motivated! Thank you!

[@TilVacuumDoUsPart]

I’m happy to hear it!

[@debrajudd9850]

Great advice ❤️ Thank you guys 🤗

[@TilVacuumDoUsPart]

Thanks for watching!

[@emilylloyd5477]

Thank you! I've heard of Dave Ramsey and we are definitely ready to get out of debt!!! I can't wait to share this with my hubby.

[@TilVacuumDoUsPart]

It will change your lives!!

[@JenTastic1228]

Thank you so much!! Great tips!! Goals for 2019!! 🙌😊

[@TilVacuumDoUsPart]

Thanks for watching!

[@micheleagren1604]

Awesome advice thanks for the overview. Now it's time to go attack some debt! Love you guys. 😊

[@TilVacuumDoUsPart]

Yes! It’s a perfect time to start!

[@janegardner604]

Thank you so much for the motivation!!!!!😄

[@TilVacuumDoUsPart]

You are very welcome!

[@karinaavilafabela6613]

Your finance videos are so motivating! I admire how you both as a team! My husband and I are starting FPU and we are excited for change! we are sick and tired of being sick and tired! I am currently a sahm of a 7yr old and 2 1/2 yr old but we are thinking of me returning to work part time to pay off our debt sooner :( im a little nervous but the thought of being debt free is convincing me! I really enjoy your content!

[@TilVacuumDoUsPart]

Just remember it’s not forever. The more you cut make the faster you will finish!! You can always look into finding something you can do from home.

[@karinaavilafabela6613]

Thank you so much responding!!! I wish to find a work from home job but I haven't heard from anyone yet. I also sell clothing on poshmark, and offer up but lets just say I don't have a lot of furniture to sell. lol. I also do ibotta (ilove it) My husband is looking into selling some of his tools when he was a mechanic as well! I had started a blog to see if it'll eventually make some profit but it has only become a hobbie now.. so yes there is definitely ways to make extra income from home! its just the lack of discipline and consistency of making money from home that I tend to have. Prioritizing!! Thank you, thank you, thank you so much for your advice!!! your a total mom boss! and o appreciate your feedback! I love how you my other you -tube moms inspire me to someday start a you-tube channel!

[@TilVacuumDoUsPart]

I used to but from garage sales, Craigslist, market place. I would but cheap furniture paint it white and triple my money. 😉 just an option.

[@karinaavilafabela6613]

Til Vacuum Do Us Part that’s a great idea!!! Thanks for the amazing idea!!!

[@lindaperkins1394]

Loved this video! Lol, those bloopers!

[@TilVacuumDoUsPart]

Ha ha thanks!

[@CleanUpWithKellie]

Awesome tips thank you both! 😍 We just paid off a car and never again to a new car 😪. Paying off an Amazon credit card as we go has helped us get a lot of rewards, BUT we pay it off immediately. Great video for the beginning of the year 😊!

[@TilVacuumDoUsPart]

Yes... no more car loans!! Just start saving a little every month for the next time you need one!

[@bluemanatee9462]

You're so motivating! I really enjoyed watching this video of you two and feel like I needed to take notes, lol. I truly took away some great tips, so thank you! My husband while at work, was hit by a truck that drove into the building. He was in the hospital for quite a while and we lived on credit for quite a while. Our credit card debt is now really high. This year our goal is to pay off as much as possible so I'm looking forward to using some of your tips and applying them in our life. 😊

[@bluemanatee9462]

Enjoyed the inclusion of the bloopers too 🤣

[@TilVacuumDoUsPart]

I’m sorry to hear that! You can definitely start working towards getting that paid off! Good luck on your journey!

[@bluemanatee9462]

@@TilVacuumDoUsPart thank you ❤

[@sharmilakarinvl5732]

Thanks for taking the time to explain how to manage your finances in a good way. We only have a mortgage on our home and God has blessed us so we don't have any other debts

[@TilVacuumDoUsPart]

That is so nice!!

[@comfortofmyhome46]

Great advice! I really think you have to want it in order to be successful, because everyone can try. We live in a very basic home, but we are able to save and not worry about our bills. We could live in a nicer more lavish home, but chose not to. My car is 6 years old and paid off. I could afford a new car today, but will keep it for the next seven years and then gift it to my son. It all comes down to choices and the lifestyle you what or live.

[@TilVacuumDoUsPart]

Yes exactly!

[@GlimmerOfCrystal]

This was so helpful! Thanks to you both! 👍🏽😉

[@TilVacuumDoUsPart]

Thank you for watching!

[@GlimmerOfCrystal]

Of course! Every video!!! 😬

[@TilVacuumDoUsPart]

You’re the best!

[@GlimmerOfCrystal]

No you are! 😬 Thanks though 😘

[@tammiecurrie930]

Great video!

[@TilVacuumDoUsPart]

Thanks!

[@marieallardyce957]

Thanks for sharing. Very helpful! 💖

[@TilVacuumDoUsPart]

I’m glad you enjoyed it!

[@robynsmcrae]

✍🏾✍🏾✍🏾. Thank you so much for sharing this information. I was looking forward to this...as working professionals and newly married we’re trying to see what works best for us as debt is a HUGE factor, but wanting to enjoying the money our degrees have blessed us with conflicts the idea of getting out of debt. I will give the Dave Ramsey method a shot and let you know how it for my husband and I! Thanks you, Chase, for the spreadsheet as well!!

[@laurah6381]

Robyn S. McRae pay off your debt, and then enjoy your money!!

[@robynsmcrae]

laurah6381 will do!

[@robynsmcrae]

laurah6381 will do!

[@laurah6381]

Robyn S. McRae you can do it!!! 👏🏻👏🏻👏🏻

[@suehenderson2598]

Fantastic guys, well done and Thankyou, great tips, impressed 🙌👍

[@TilVacuumDoUsPart]

Thank you so much!

[@TinaMaireNOLA]

I love the envelope idea because if it is on my spreadsheet I will spend it!

[@hootieyouluv8362]

Yess we are on beans and rice as we speak lol... ❤️ you guys!

[@TilVacuumDoUsPart]

It will be worth it!! You’re doing awesome!

[@hootieyouluv8362]

Thank you sooo much! I’m an Account so I handle all money lol! So far we have a budget/plan in place and we are hitting the ground running! Good luck to you guys 😘

[@kristymarie6065]

Thank you so much for this!! More tips if you have any I’d love to see more videos like this ❤️

[@TilVacuumDoUsPart]

Definitely!

[@lizs1295]

GREAT job presenting Dave and answering questions! My copy of this book is the only book Max ever colored in as a toddler, and now he is 12! I smile when I see the green crayon! Sadly I’ve been a yo-yo Dave fan over the years, so I’m not in that great of financial shape even though I could be. Thank you for pouring the koolaid-you and Chase have inspired me to chug it down. I SO agree that paying down debt becomes addictive. I remember jumping up and down when I’d find even just a couple dollars in a coat pocket😂. If you didn’t do his zero-based budget, I think Olive Garden would spend all the extra😉😘

[@TilVacuumDoUsPart]

It’s definitely worth it if you can get through it. 😉

[@queenofhope5714]

Good reminders!

[@ktrudy1]

We did Dave Ramsey too. We r debt free now including our house and cars.. 😍😘 We saved by not eating out or wasting money etc. Now we have money for anything we want 😍😍😍 Make sure husband and wife r on same page or it won't work.😘 I have that book.🤗

[@TilVacuumDoUsPart]

That’s incredible! Way to go!!

[@ktrudy1]

@@TilVacuumDoUsPart ty😍😘

[@eicheljohnson1958]

Please please please more videos like this.

[@TilVacuumDoUsPart]

You got it!!😉

[@toridunn6348]

YAY! Love these videos xoxo

[@TilVacuumDoUsPart]

Thanks!

[@Okietactical]

Great tips!! ❤️😁

[@TilVacuumDoUsPart]

Thank you!

[@beautyandbeyond347]

Oh girl that $2 lipstick hit home with me! Yesterday I bought 3 Physicians Formula on sale for 3.50. Did I need them? No... this is great inspiration to be mindful of what I put in my basket at walmart!!

[@TilVacuumDoUsPart]

Right?!?! We nickel and dime our money because something is on sale! Trust me I’m guilty of it too!! 🙈

[@beautyandbeyond347]

I've started the year out trying to be upfront with my daughter about her not getting stuff all the time "just because". I haven't really figured out how to do allowance with her. Shes almost 7 and does help. But which chores are family chores and which are allowance earning chores?! Any tips on that in a future video would be great!

[@TilVacuumDoUsPart]

I totally get it. A lot of Savy’s chores are just expected. It’s part of living here. We all help out. You could make a list of chores that are extra and put a price with them. Such as unloaded the dishes and earn $.

[@beautyandbeyond347]

Good idea! I'll start with a few things and add from there

[@annyg1757]

Ah ha....the envelope system😉 I always thought it was my husband's idea😍

[@TilVacuumDoUsPart]

Ha ha!

[@kaylajones358]

Love the video! Hate the timer! Seems like it made y’all rush. I love your sit down talks and how they seem super laid back, but this seemed different and rushed. Just a thought, but I love watching y’all!! ❤️

[@TilVacuumDoUsPart]

Without a timer we talk too long and I have to cut parts outs.

[@kaylajones358]

Til Vacuum Do Us Part I don’t mind! Talk away girl! ❤️❤️

[@kaylajones358]

Til Vacuum Do Us Part but I understand! 🙂

[@TilVacuumDoUsPart]

😉😂

[@flakaochoa5591]

Wao all this things n advice helps us alot. I'm in dead right know but hopefully this year 2019 we can pay it off n star saving for a house

[@TilVacuumDoUsPart]

Set your goals and stay strong!

[@tyreecourtney3119]

Need to try y'all ideas but it's kinda hard when your living paycheck to paycheck! I know some can relate not all but I will take your steps into consideration for this year! 🤗💙 From Tennessee 💙

[@TilVacuumDoUsPart]

Yes this is how you stop living paycheck to paycheck!

[@victoriasimmons8537]

I can relate!! It’s tough when you sometimes don’t have even a dollar to put into savings! We got this though!! I’m definitely going to look into Dave Ramsay

[@TilVacuumDoUsPart]

This plan was created so you don’t have to live that way forever!

[@tyreecourtney3119]

@@victoriasimmons8537 yea Tori we got this we ain't gone be broke in 2019! 🤗🙌🙌 DAVE RAMSEY HERE WE COME 😘😘

[@KandiWethers]

Just stumbled across your channel and so excited to find out you're local to me. Lol

[@TilVacuumDoUsPart]

Awe!! That’s awesome!

[@sweethumblehome7789]

Thank you so much for sharing all of your tips! We love Dave Ramsey here as well! I'm curious about the process you followed for your sinking funds/envelopes while paying of debt. So say for Christmas (or even car tax/registration, etc which you know are necessary expenses each year) did you put a line in your budget each pay for Christmas or did you dump all of your money left over (after bills) onto the baby step that you were on and just use garage sale/bonuses/etc. to pay for the sinking funds. I hope this makes sense! I see so many people do it so many different ways. We're still trying to figure out what works best for us!

[@TilVacuumDoUsPart]

If we had extra money in the budget ( say we saved money on a bill or something ) we would put it into the envelopes but our main source was creating extra money by selling things around the house or flipping pieces I found at garage sales.

[@sweethumblehome7789]

@@TilVacuumDoUsPart that's awesome! Thanks so much, Ashley!

[@anl1235]

When you said Tulsa I about freaked! I grew up in Tulsa and also still live in Oklahoma!

[@TilVacuumDoUsPart]

That’s awesome. I’m in the Owasso area!!

[@anl1235]

That’s crazy! I live out in the country in Bristow! I’ve never found a KZbinr that lives close to me 😂

[@TilVacuumDoUsPart]

😂🙌🏼

[@anl1235]

Can you email me? I’m struggling getting the excel template to go on my excel on my tablet. 😩😩

[@TilVacuumDoUsPart]

Yes email me at [e-mail] and I will get it sent to you next time I’m at my computer.

[@bigmamashouse6695]

Thank you! 😊

[@TilVacuumDoUsPart]

Thank you for watching!

[@homeschool.pray.repeat]

The bloopers…..bahahahahahaha. Loved that!!

[@TilVacuumDoUsPart]

Ha ha! Thanks!

[@sarahhart7260]

Oh my gosh! I keep meaning to comment about how Chase and Savy look alike! My daughter looks just like her daddy as well!

[@TilVacuumDoUsPart]

Ha ha they are twins! lol

[@litterof6living4thel]

What do you use for tv? I want to cut cable so bad but my hubby loves to watch SEC football.

[@TilVacuumDoUsPart]

Sling & Netflix! We also have an antenna in our attic for local channels.

[@laurah6381]

We have Apple TV and bought "KZbin TV" for 10 bucks a month. We get regular channels, and some other sports channels. The only reason we did this is because my husband likes to watch football..

[@Sandra___P]

Great video. I can't get on board with the cash system. We have had a break in, Harvey flood and I've been mugged at gunpoint so carrying a envelope with cash or having it at home just keeps me awake at night. I keep it in the bank but budget for the amounts and pay the bills as soon as they arrive rather than waiting for their during date. I do carry cash for my blow money but that's it. Can you please do a video on living without cable. I know you have Netflix, but what else? Do you have a antenna for local live channels or pay 40 to hulu for live? I can't see the 40 for hulu when I can get an antenna for 20 and never pay again. Just curious how you do it.

[@TilVacuumDoUsPart]

Yes we’ve talked about it in a previous video. We have an antenna up in the attic that runs to our TVs so we have local channels. We also have sling!! It’s the best. You get awesome cable changes for cheap!! Definitely look into it.

[@dinamariepina267]

Great video, great advice. I’m single no kids but went thru a divorce so accumulated a lot of debt. I have no idea who Dave Ramsey is but it sounds like a lot of his ideas just came natural to me in order to keep my head above water. I don’t have a fancy spreadsheet ; I use a simple one subject 80 page spiral notebook to write down how much money was coming in each month and how much was going out. Huge help when trying to budget on non-essential items. Something my dad always told me was to have an extra $10 taken out for taxes when filling out the W-4. You don’t even feel it and I always have a positive return each year that goes straight to savings. I also have at least $100 per bi-monthly paycheck auto drafted to savings each month. That is a savings of $2400 each year. If $200 per month is too much set your own limit. At least $100 will yield $1200 per year! Again...don’t even know it’s missing. No credit card debit! I have credit cards for emergencies only but if I don’t have enough in my checking account to buy what I want (after all bills paid) then I don’t get it. Period. House buying...I sacrificed nails hair makeup and other luxuries for the higher payment each month for the 15 year note. Again...don’t even feel it and it will be paid off in half the average time. I like to play the lottery/gamble every once in a while...when I win...all winnings go to savings. Know. When. To. Quit. Just a few tips of mine...hope it can help someone reading comments 🙂

[@TilVacuumDoUsPart]

Seems like you have a great plan!