5 Tips to Get out of Debt QUICKLY in 2020! (Simple Living)

[@TheMinimalMom]

THANK YOU for watching!! I also LOVE Darci Isabella's Debt Free Journey, she documented it REALLY well, find the playlist here: kzbin.info/aero/PLp3H2B3c0jWGfY7KWaYd7tnonS-WZZwZT

[@Maeve2001]

The Minimal Mom love this!! Just encourages us to keep going! After starting this journey, I’ve never felt more confident and empowered.

[@KR-kv5dv]

I love watching Dave Ramsey too!! His program to getting out of debt really works, if you follow it! LOVE those debt free screams. This video is 100% on point! Thanks guys!! :)

[@marisua3018]

This video has me in tears..there is hope for my marriage and children. Thank you Lord. I am doing this! ♥️

[@progamers1118]

What's wrong with a prius? You're saving carbon emissions, important for your 4 kids that are faced with clinate change. It seems a weird American thing for a prius to be uncool. Forget what other people think _ it is super uncool to drive a gas guzzling truck. Check in with the rest of the world please and rethink it!

[@lauramedbury5509]

Is there a link for video for when you two got your Prius’ and tell how/why it’s part of the debt free journey?

[@daniellejohnstone2071]

I wish they taught all this everyday life needs in school. Bills, mortgage , budget, etc!!!

[@TheMinimalMom]

Right!?!

[@Claycat4]

When I went to high school in the 60s, it was called Home and Family Living. There are some school districts that require a class like that, but I believe it should be a required class for all high school seniors!

[@lauracoleman8114]

I bought my daugther a book called adulting when she moved in to her first app. She said she referred to it all the time. Esp about renting and leases/obligations. Also basic house skills. I read it and there were things I found helpful.

[@keylalipo7778]

Danielle Johnstone agreed! I’ve always said they should teach this in senior year!!!

[@Myeverydaywifelife]

Danielle Johnstone Exactly!!!

[@tristaleigh367]

I'm 3 payments away from having my first of three credit cards paid off, & snowballing onto the next! I plan to be debt free by this time next year!

[@tristaleigh367]

I just paid off the first of my three credit cards!

[@felixmelissaespinoza3767]

I hope you made it to your goal or dang close!! Don’t give up!!

[@AJMay7345]

@trista Leigh THAT IS AWESOME!!! Go u!

[@Elenaensumundo]

I hope you made it!

[@emilyschafer2575]

I'm in baby step 6, single mom making $38,000 and I have one 1/2 years untill my house is paid off!!! I'll be on the Dave Ramsey show soon!

[@davidawilliams8603]

WOW!!! Hmm...maybe I should check this out.

[@WifeMommyFamilyJourney]

Amazing!! Congratulations❤️

[@NdiNaija]

Wow!!! Congratulations!

[@megansamborski7440]

Congratulations!

[@maryhdasilva]

That’s awesome 👏🏼 congratulations in advance. We are aiming to pay off our mortgage in 5 years, only 170K to go.

[@stephaniecranmer7168]

We are on baby step 2. The longer I'm a minimalist the more I think that minimalism and debt free living go hand in hand.

[@simplesgood7694]

Stephanie Cranmer Yes, I totally agree!!

[@chasity2730]

Yes!

[@anitaakin4865]

When we turned 50 we were blessed to become debt free and be on Dave Ramsey radio program and scream...we are debt free!!! We are 65 now and our only regret was that we didn’t do it when we were young!!! Besides salvation it is the biggest life change!!

[@WifeMommyFamilyJourney]

Anita Akin ❤️❤️🙌🏼🙏🏼

[@almmason7]

Amen, me too, but still on my debt free journey! Please keep me in your prayers.

[@user-zz3nv6hw2s]

Don't beat yourself up..I did the same...but its more important that you realize the past....that's priceless...I just go debt free after many years of buying a new car every 3 years...the money spent...oh well..looking ahead is good the past Is a learning experience

[@lindamarsden8024]

Tom & Dawn, I'm so grateful for your encouragement and honesty. I use to be a financial disaster and could not see a way out from under all the debt. Like you I found Dave Ramsey and have been totally debt free for over 15 years. Also like you it has not been easy. But it is so worth it. I pay cash for my cars, own my home and have no credit card debt. I have $10,000 in my savings account for emergencies plus investments and now that I am retired I am not worried about my future. I've learned the difference between wants and needs. If you asked me 15 years ago if I was capable of doing this I would have doubted my ability. Just like Tom said, "anyone can do this...." God bless you, you are changing lives.

[@Authenticallyapril_]

5:01 is when Dawn said that Tom can buy any truck that he wants to buy. Let it be known! 😂

[@TheMinimalMom]

Hahaha, thank you April 😉♥️

[@braceletlife28]

A Tesla truck? 😂

[@juliacaptain9124]

That Tesla truck looks sweet! Cash flow it!! lol

[@alenatorres7071]

Our main goal is hitting FIRE (financially independent, retire early). Thankfully we're debt free besides our mortgage. Isn't it crazy how cars have become part of people's identity?

[@gratituderanch9406]

Baby Step 1 - $1,000 to start an Emergency Fund Baby Step 2 - Pay off all debt using the Debt Snowball Baby Step 3 - 3 to 6 months of expenses in savings Baby Step 4 - Invest 15% of household income into Roth IRAs and pre-tax retirement Baby Step 5 - College funding for children Baby Step 6 - Pay off home early Baby Step 7 - Build wealth and give!

[@gennerwilly9550]

Thank you!!

[@nancampbell3647]

Im working on 2 and 6... I may not be doing it correctly if not completing 1,2,3.... in order am I?

[@thedalbofamily]

You're not crying, I'm crying! Tears are actually flowing down my cheeks! I am so blessed that you two angels from heaven created this video! I've been on baby step 2, by myself for almost 2 years now. I really think I'll be able to get my husband on board though, after he watches this! We have those exact same conversations! Thank you both so much!

[@marilynrafla6628]

Praying for you

[@TheMinimalMom]

That's not easy at all, way to go and trusting your husband will come around!! 👍♥️

[@amberlindo9560]

For Tom ... 5:03 😂🚛 We're 3600 away from debt free. Love these videos because it helps knowing we're not alone #livelikenooneelse

[@TheMinimalMom]

Way to go!!!!👏♥️👍

[@Maeve2001]

Love your hair!! It looks so great without the extension

[@Maeve2001]

Austin O young and chic 👍🏻

[@TheMinimalMom]

Thank you!!

[@arlh2309]

I was going to comment too...love your hair Dawn 😍😊

[@lisarivers1438]

You guys are so right, that's exactly how I felt. My interest was so high on ALL my cards that I just couldn't keep up and year after year it was not getting any better. So 4 1/2 yrs ago is when I finally committed to making a change and actually as of last week 4 1/2 yrs later I made my LAST payment of 30k+ of debt. I finally feel like a mountain was taken off my shoulders. Now next is to finally commit to declutter 😨.

[@jeanne819]

Awesome !!! How did you do this? Through a Dave Ramsey program? If so, which one ?

[@lisarivers1438]

@@jeanne819 No, It was through a program called "Money Management International" I'm not exactly sure where they are located but I'm in NY but it was all done online except for the initial call to go over all the finances. They deal with your creditors and arrange a monthly $ amount you can do and it usually takes around 4 years depending how much debt you have. Hope this info helps.

[@jeanne819]

@@lisarivers1438 thanks much !!! I chatted for hours with 3 different non profit credit counselors giving them every detail of my financial life and they could not reduce my credit card interest enough so didn’t go through with the monthly payment being deducted from my checking account - one told me my 8K Chase balance at 19 percent would drop to 2 percent and I was shocked ! I then get a package in mail and 4th page says Chase is 10 percent so someone not being honest ... will check out MMI they sound familiar / I’m also in NY !

[@MandyLynnPlans]

Our big goal for 2020 is to pay off the HOUSE!!! 🤗 We’ve been doing Dave Ramsey’s plan for years!

[@simplesgood7694]

Mandy Lynn Plans Amazing and congratulations!!! Keep up the great 👍 work!!

[@christyfinley9099]

Mandy Lynn Plans that is amazing! Congratulations.

[@juliacaptain9124]

I love this Mandy!! Go!!!

[@colourflowerart5753]

👏👏👏

[@lizbethcruz2092]

Just starting my debt free journey in Aug 2020. One day I'll be the one saying: my debt and mrtg has been paid off for! 🙏🙏

[@YPEFFLE]

1. Buy everything used 2. Sell anything you can for extra cash on fb marketplace/craigslist/ebay etc. 3. Buy a used car in cash 4. Buy a smaller house within your means! Love Dave Ramsey except on his advice to never use credit cards and that a good credit score isn't needed. I feel like this advice is outdated as he started his program 3 decades ago. Having a good credit score makes your life much easier. Credit cards can be used responsibly if paid off every month and you can even be rewarded (yes we actually use our reward miles and will be taking our 3rd vacation to the Caribbean by flying our family of 4 for free)

[@rebeccan4763]

As soon as I read the title, I guessed you might be Dave Ramsey people! I love listening to Dave each day. 😀

[@kellymary2444]

Huge Dave Ramsey fan here! We're on baby step #2.

[@elizabethmarcus7522]

When I thought I couldn't love you guys any more, we find out you're Dave Ramsey fans! Love your passion and excitement. I'm on Baby Step 3B. Cinthya's debt free scream is my favorite!

[@mrsr2447]

Elizabeth Marcus 3B?

[@elizabethmarcus7522]

@@mrsr2447 Saving for a down payment on a house

[@susanc3373]

I love Dave Ramsey! We are on Baby Steps 5 and 6. It is so worth it!

[@TheMinimalMom]

Way to go!!!! ♥️👍

[@melissahammersley7678]

Please consider doing a video on how to get started when you're already living paycheck to paycheck

[@cristinahermann6955]

Melissa Hammersley Check out The Budget Mom on KZbin. I agree that Dave Ramsey is great, but The Budget Mom has been even better for me. She has a little different system that might be helpful for you.

[@rr8153]

You might also look at You Need a Budget (YNAB). Good luck!

[@almmason7]

@@rr8153 To piggy back on YNAB. It's an app which stands for You Need A Budget. It works, it helps you achieve your goals and gets you ahead of the game a month or two ahead of your Bill's. I've used it myself.

[@melodyferous]

"Money does nothing; people do everything." (Michael Tellinger, author of UBUNTU Contributionism: A Blueprint for Global Prosperity)

[@lilialvarado9106]

@@BroccoliFiles so the answer to being financially self sufficient is to get free stuff (housing, schooling, etc) and not learning how to manage the money and income that you have? I'm really asking. My husband and I are not, what you would call, "a privileged white couple" yet we've always made our own way with our own income. I would encourage others to do the same versus being dependent on free anything long term (if you need help for a season, no shame in that). Blessings to you.

[@jenl.4051]

YES! Love this! I would add #6, which is two-fold; stop caring what other people think of you & your things AND stop comparing yourself to others & the things they have. Once I did this our whole world changed for the better. Our budget changed, our view of possessions and money changed, our whole financial future changed. Most importantly, the legacy we are leaving for our kids changed, in that what we're teaching our children about money and possessions became a totally different narrative than it was pre Dave Ramsey.

[@TheMinimalMom]

Amen!!!!!👍♥️👏

[@nathanielsmith7821]

I’m so excited you all are Dave people!! We are on baby step 6 and I am a Ramsey Preferred Coach!! I love watching you guys. (Wife Amy)

[@momforever3924]

Hey Dawn! With all due respect please tell Tom that the beard suits him...looks awesome! My husband wears one too and I am a super fan.

[@littleblondemop]

Yes it does. I think a number of us left similar comments about how well it suits him:).

[@TheMinimalMom]

Will do!! He's been unsure about it so he'll be glad to hear that!!👍

[@momforever3924]

@@TheMinimalMom Oh yeah, very stylish! And I just got a chance to watch the video now, lol, so happy we are on the same Dave Ramsey boat! We're still trying to finish baby step 2...Baby step 3 we are coming for you 🤗

[@amypeters9053]

I was coming to say the same!! It looks great!! My husband just started growing one too!!! Handsome Hubbies!!! 😍🥰😍

[@sheilakeeler2178]

Tom's beard looks great!

[@rachellehman8915]

This is THE BEST KZbin channel! It has everything: Minimalism, Family, Jesus, and Dave Ramsey. It aligns with everything in my life. I am so thankful for you guys and your content! Our church offered FPU in September 2018 and in the last year we got out of debt, saved our FFEF, paid cash for a new to us car, and now saving to pay cash for our first home! We will never go back into debt again.

[@Julie-ok5fr]

Love THIS, TY Dawn and Tom. My husband loves to listen to Dave Ramsay while driving, haha And..off topic, but I love your hair, too, Dawnj😁😁😁 P.S. You know what? Although we still have our house ( debt ) we do not have other debt anymore!! The funny thing is, our income is the lowest it has ever been ( paycheck to paycheck ) but we have a savings account now! Back when our income was four times what it is now, we had 10k plus in debt with credit cards, car pymt, etc None of that now😊 My husband always says, that you "spend what you make".... and I always say that...a person lives beyond their means when they make a lot of money, you know? Proud to be minimalist and proud to drive a Honda Accord that is an '04 with under 70k miles that runs great and looks like new. 😉

[@ConserveMore]

As soon as you showed the image of the Priuses, I thought "They're cool, they have Priuses!" Then you said "You don't feel cool driving a Prius". Wow, we travel in different circles. I see a Prius as not just helping the environment but also providing its owner independence from having to fill up with gas all the time. Thanks for the helpful video.

[@michelleprice5945]

I used to watch Till Debt Do Us Part on tv and that helped a lot with seeing how to budget and what I really learned was don't compare to others, just because they drive a fancy car does not mean they have cash in the bank. I drive a 2008 Versa but we paid cash and it's super cheap to maintain. I've had it for 6 years and would never go back to a car payment.

[@cherylT321]

I used to love that show and, back then, I was wishing l lived in Canada so she could help me with the finances l had at that time!

[@heatherrenee729]

YOU two are AMAZING! You're truly an answer to prayer in so many facets of my life. THANK YOU! THANK YOU! THANK YOU! You are so loved!

[@bedanava]

I agree she is amazing!

[@TheMinimalMom]

Thank you so much 😊♥️

[@wolf_bridge5114]

TOTALLY AGREE TOO❣️❣️❣️

[@annemarie2921]

I SOOOOO agree! I call Dawn the “miracle” mom!! She has changed our lives. Forever grateful to have found Dawn and her whole family.

[@Authenticallyapril_]

Seeing Cinythia and her family in this video even without the sound I cried because it’s my favorite DFS of all time.

[@TheMinimalMom]

Tom's too!!!♥️ He found it so I could include it 👍

[@mariannedressler6784]

April Nicole that was a total tear jerker for sure!!!

[@Hazel-im8mq]

Cynthia has a wonderful story my favorite too.

[@bedanava]

You 2 are amazing!! You have no idea how much you have changed my life 🥰 I love all of your videos😇

[@TheMinimalMom]

Thank you so much ♥️😊

[@marieradatsz4126]

I got into debt by no longer being able to pay my mortgage and bills.I had two strokes which I am glad to say did not affect me physicallt apart from I now sometimes drop things with my left hand. I do now have expressive dysplasia and struggle in crowds.I feel really blessed now as I was able to sell my house which I loved and did mot want to sell. Following much prayer I yielded and that is when God took over.I saw my current house on the Monday viewed it Wednesday and sold mine on the Friday. The bank was about to forclose on me .The immense feeling of relief I feel I cannot put into words. Even though I can't work now because I live frugally I want for nothing I need God is goodhe is my provider.x

[@ntay7884]

As Christians we believe in 10% tithing. Does this Dave Ramsey's program understand this? Most financial helps don't?

[@jenniferbuskirk44]

Yes, the Dave Ramsey program has a week lesson on giving and tithing. Dave also has KZbin videos talking about tithing and giving if you want to check it out.

[@alexdeaton5107]

I love your videos, and this one in particular is something that so many people need to hear. My family just became debt free at the end of November. We paid off $152,000 in 35 months. We've also had two daughters and a third baby girl will be here next week during this process. If we can do it, anyone can do it. Like you said, the time will pass anyway, and having a plan and sticking to it has allowed us to change our family tree for the princesses God has blessed us with! Thank you for being so encouraging!

[@dhall1421]

Something interesting...since minimizing i hardly spend any money...not sure why. I feel like I didn't buy that mich before but now i almost only buy groceries

[@JesusIsTheIAm]

To me a Prius seems like an upgrade.

[@LeMErin21]

Just FYI, your first two tips are the same (the text) 😉 Thanks for the video!! Anyone looking for motivation could also check out ‘Til Debt Do Us Part’ on KZbin.

[@estheronajourneytocontentm1097]

LeMErin21 I thought it was strange that no one had commented on the screen text error for 2nd tip yet. Will check out “Till Debt Do Us Part” .

[@shawnjensen4391]

I LOVE being debt free!

[@cherylT321]

Me, too. The freedom it brings is amazing!

[@sopjoplop23]

I know this is 11months later. I'm trying to get out of debt, but my husband thinks we will always have debt and doesnt understand. Before I met him I was out of debt besides my mortgage, but I'm kind of a push over when he wants something. I've gotten better but it's still hard. Do you have any advice?

[@lesliemorris4739]

Nearly 2 years ago we paid off our mortgage making us 100% debt free and we will never go back in debt again! We found our inspiration in scripture and kept that in front of us. Since then we’ve been doing some remodeling and upgrading in our home with cash. We have 5 children and are not even 40 yet. Truly by the grace of our Heavenly Father could we achieve this. He is so faithful! Dave Ramsey study was a huge stepping stone for us also.

[@Karen-jp1ns]

I got out of debt by going into a total spending moratorium. I bought nothing but food and meds for a whole year. Then after that, I only bought the bare necessities after that. Nothing decorative or non essential comes in my home even though I'm debt free except my small, very low interest mortgage. It's easy now and it keeps me minimal. It's my permanent lifestyle.

[@deb664]

Is this Dave Ramsey thing a program. All I have seen is a radio show? Being on Social Security, I’m afraid to tithe? Is this part of it?

[@jjo5375]

EXCELLENT VIDEO, dear Brother and Sister! Good Stewards! : )

[@steph49391]

I remember the day I got debt free. We’ve never been in debt since! BEST DAY EVER!! so much less stress

[@anitabeaudoin5624]

We LOVE Dave Ramsey!! A friend gave us his book, Total Money Makeover, and we embraced it and had a total mind shift! It took us exactly 7 years from start to finish, but 3 years ago we paid off the mortgage! We had a mortgage burning party with our kids and yelled, "We're debt free!!!!!!!" So liberating! I made little charts and colored in the amounts, to stay motivated. Sometimes it felt soooo far away and daunting, but I just kept repeating Dave's quote.."Baby steps, all in the same direction, eventually get you where you want to go." :)

[@badrobotbaby]

You guys are the best ❤️ We are one step #2! We were gazelle intense for almost a year and my husband got a promotion which slowed us down..:funny how more $ can change your mindset and not in a good way! 🤪. We are back on board to get the rest paid!

[@TheMinimalMom]

Wahoo!! Way to go!!!

[@Baileybooandecho]

Love that gazelle intense!🤣

[@meagankeele2835]

I love calendars and spreadsheets. I'm the nerd. Hub is the free spirit. We've had a set back with medical bills but we are still trying to pay stuff off.

[@TheMinimalMom]

Way to go!!! ♥️

[@sarahjohn1484]

That is so awesome!! We have a HELOC that we have decided to put in Step 6, but we just got back into Step 3 after recovering from cancer and building an office space. I am determined to finally make it to Step 4 this time!!

[@benoodles]

Let's end student loans. Save up, or don't go to college.

[@joannefeiock1411]

Thanks! I’m newly widowed, I need to get my life on track with 3 Disabled adult/kiddos to care for. Financial things are at the top of my list right now! 😇👍🥰💔

[@minimalizingwithnine5711]

I’m screaming inside!!! Yes! Yes! I started minimalizing our home in June! The benefits and blessings have been more than I could’ve planned. Since November God has pressing my heart about finances and simplifying this area of our life. We are in debt. God has revealed so many incorrect ways of thinking about money. I couldn’t see these thoughts as wrong bc my house and mind were so cluttered. My husband and I are starting the talks to debt free living now. I know next Christmas our lives will look completely different. I know more of our money will be available to us. I know we will be freely supporting ministries that I wish we could give to but can’t right now. I know enjoying life without debt hanging over our heads is our future!! Thank you! I love this channel. I watch it faithfully everyday. You keep me decluttering a few things everyday. I’m constantly challenged!

[@WifeMommyFamilyJourney]

Shawn-Del Cortese i love this!!! God knows the desires of your heart❤️ it’s going to be an amazing 2020🙌🏼

[@briwink4410]

You never went into your budgeting system. My husband and I started laughing at that part because I calendar budget and he has a weird excel spreadsheet too haha. Please do a budget video soon ❤️

[@brittanypeasley]

Love this! Our debt is down to our house & my hubby’s student loans (which is a bigger loan than our house 🙈). Making progress but still a long ways to go!

[@simplesgood7694]

Brittany Peasley We’ve got a long way to go as well. Hang in there. I’m cheering you on!!

[@carlaeasley6862]

My husband and I listened to Financial Peace University just before getting married 14.5 years ago. We were also fortunate enough to graduate college with no debt. But thanks to the FPU principles, natural frugal instincts, and friends on the same page, we feel like we actually have been "living like no else" even while "living like no one else." Praying we can pass the same ideals onto our daughters!

[@ahoardersheart]

I listen to Dave Ramsey a lot too!! I seem to yo yo with our charge cards...I’ll get almost debt-free, then something comes up and bam back on the card!! 2020 I WILL be Debt-Free!!!

[@lisamalone5988]

A Hoarder's Heart I watch you as well, you can do it! You have been doing great at decluttering your house and you can do this too! Stay focused and follow the baby steps.

[@davidawilliams8603]

New subscriber

[@wolf_bridge5114]

Thankyou, Thankyou, Thankyou for this encouragement!! Just read your blog post about getting out of debt last week. We are on Baby step 2. Got rid of $24000 in less than a year, on a low wage with a large family and a few periods of job changes and no work. But feel like we’ve lost traction and the next amount is insurmountable. Thanks for the inspiration. Minimalism definitely aids the debt free journey too! Again, soooh appreciate you both!!! ❤️

[@FaithMatini]

Lol I have made a royal mess of my finances too! I am a big fan of Dave Ramsey too! I have read total money makeover and I really want to go through FPU! It’s so exciting to see the other people that have paid off their debt! I can’t wait to scream DEBT FREE!!!

[@carlasouza4056]

It's funny cause all of those steps could apply to weight loss. Thankfully, I happen to have been lucky enough to never get into debt but aI have struggled with weight loss and as you guys were talking, I could totally recognize those steps in my journey. Thank you for sharing. Continue to love your videos!

[@TheMinimalMom]

Yes! I think you are exactly right!!

[@midsouthhomestead9180]

We started the Dave Ramsey method 2014. We got rid of a lot of STUFF! We have $20,000 left to pay off our farm. Our 2006 Camry has 290K miles, so that is our next project. But not till it dies. Y'all we usually go all out at Christmas. This year we spent about half as much. I would go to purchase more and I had to just say NO! Our kids are grown. It is time to stop the madness.

[@audreyloewen1506]

UGH!! This made me cry!! My husband and I are in the process of payioff off debt right now, and it feels so hopeless when I look at the big numbers. Hearing this helps so much! I just need to watch this every week for the next two years lol.

[@rebekahkenyon1302]

It's so nice to see someone else's husband gets so stressed about bills.

[@jeannettesparr9179]

You messed up on Step 2. You say "You have to have a plan" but the text on the screen reads the same as Step 1: You have to HATE your debt". You're welcome.

[@PjMcneely]

Our church sponsors a personal finance self sufficient 12 week program. It involves not only sound financial plan but includes how Heavenly Father wants you to succeed. I'm waiting for the next class to start. I didn't come this far to come this far. I will definitely be reinforcing these principles.

[@keebler5064]

We paid off over $111k just in credit card debt. Our total debt was about $500k. It took a very long time but was so worth it. Now, we own our home our cars and all our toys. It’s awesome!

[@3Duncan3]

Thank you, this is very timely as I've set this as my goal for 2020. I've been looking for resources! Don't forget though, not everyone watching is in a couple. 😬 So I bumped #4 and made it Tom's "Stay focused' !

[@michellecrowell8713]

Thanks for sharing! I follow Dave Ramsey and went to meet him as well as volunteer for his stuff so I could attend free. I cry every time I watch the debt free screams! I'm in middle baby step 2. I love your channel!

[@nikkicastiglione2680]

LOVED hearing your story!! Did you ever make that budget video with your calendar and Tom's spreadsheet? I looked but didn't see one. Would love to hear about your system :) Thanks!

[@steviehudspeth3464]

Also wondering the same! ;) Thanks!

[@Negoushka]

I love Dave Ramsey’s steps too. I’ve been listening to his show since 2012. I’ve read his books and attended his events too. I am on step 3B.

[@justinelliott4087]

We completed baby step 2 the day before Thanksgiving, November 20, 2019. Cleared around $34,000 in 11 months.

[@terrao4971]

Justin Elliott as simple as they may seem to say out loud or type that out, in reality that must have been hard and taken a lot of tunnel-vision focus! Well done!

[@raelynnpeterson8925]

We just paid off our house! It is so freeing. Now in the next economic downturn and construction slowing we can live off of so much less and be fine. We were really hurting during the last resession but we are prepared for the next one.

[@chaosmanaged2925]

We are at step 6. We will be paying of the house this summer. I can't wait!

[@jacquelinebonneville8054]

Would you consider doing an annual update on your Dave Ramsey plan?

[@vickimontgomery5271]

We need this encouragement!

[@ashlinde]

25,000 in debt when we started. (March of 2019 we had our ive had it moment) all in car debt 🤦‍♀️ We will be DEBT FREE next month if everything goes as planned 🤞 while doing all of this we had to cash flow 5000 in medical costs and 2000 in car repairs. Its not easy but itll be soooo worth it! Can't wait to move on to baby step 3! Loved this video, you guys are awesome! 💖

[@thriftytowers7160]

You are abs right that you need to get to an 'ah-ha, time to change' moment with debt. I accumulated £thousands of debt (over last few years) when i suddenly got very ill, had to stop working, went from a highly paid job to nothing, ran out of my savings over time and am single with an expensive mortgage. Rock bottom and miserable. Dave Ramsay is not known in UK but I found him, read his book and now on baby step 2. Happy days! Thx for this encouragement - all in God's timing!! You are such a great couple!!

[@jennesont4791]

I’ve always hated debt. My friends are frugal too and I love what we can accomplish without borrowing! (We have a tiny mortgage and that’s it) . At one point I started spending time with people that I thought were rich, but they really lived paycheque to paycheque and put vacations on credit and changed cars every couple years with compounding depreciation ... it was a different world from the one I live in!

[@amypeters9053]

Loved this video!!! Sounds so much like our journey!!! We are on baby step 2 and for the first time ever have a fully funded Christmas budget and it feels so freeing!!! We are older than y’all so we are #debtfreefor50 lol!!!

[@allennelson877]

Me and my family need so much help!!!

[@ronjakristina3616]

As someone living in Germany its always a little strange to watch this dept Videos. I don’t think its that easy/normal/Common to get into dept here (luckily). Beside Mortage no one in my Peer Group is really in dept. I never owned a credit card. I wish you the best of luck on your journey. You two are awesome. I just wish dept wasn’t such a „normal“ part of american living as it seems as an outsider (maybe im totally wrong). I mean its so easy to spend a little more if you can pay everything with a credit card.

[@mkuhl08]

I love this video so much!! I was honestly a bit skeptical, I've heard lots of people's tips on finance and they're not so hot haha! AND, we're huge Dave Ramsey fans and followers so I was thinking your video would just be another one that *almost* got it right. Sorry! 😂😁 This is AWESOME. And you're right, it's SO worth the journey. The journey to contentment, discipline, a stronger marriage...everything. Freedom!! We are in baby steps 4, 5, and 6. We paid off about $100,000 of debt in roughly 8 years and we never made more than $55,000 per year at the time. We also had two kids in there! Ack! Now we have about a $50,000 net worth between our fully funded emergency fund, investments and other savings. Like you said, not tooting our horn, just another testimony that THIS STUFF WORKS!! Thank you for sharing! Love you guys! ♥️

[@alisonfalldin2188]

Have you tried the EveryDollar app?

[@jessicawhite5666]

We were on Baby Step 3B. Saving for a house. And we just bought our very own fixer upper little homestead. Once we figure out payments and adjust, we will be moving onto BS4!!! So glad to be debt free (except for the house).

[@dmay7648]

I like Dave Ramsey system but sometimes it just isn’t realistic. I found the budget mom a few months back and her program has been a game changer. Ready to start 2020 fresh and focused.

[@bigshoe84]

D May Can you elaborate on why it isn’t realistic? Seems like it should be pretty universal

[@13Laynie]

We were on BS6, but had to put that on hold to stock up some cash for a custody case. hope to be back to paying off the house in April!!

[@chronicallydaydreaming1381]

You guys are awesome. Dawn, I could tell you wanted to cry and it brought tears to my eyes! We're at our second moment... First time was when I found out that I had Lyme and we lost my income.... Now we're "ok" again but having our second moment... I never want to feel stranded and helpless again!

[@CULady]

Thank you so much for this! I have put off watching because my head was in the sand! My husband is disabled and I felt like I couldn't do this! Thank you again 👍

[@Myeverydaywifelife]

My tip: Save first, then create a monthly budget from what’s left!

[@brianneholmes6547]

I am on step two and only my car is left!!!! I have a goal to have it paid off by June 30th of 2020. Even if I do not hit that goal, I will be very close to it.

[@amandahaak5077]

2020 is the year we start to tackle our debt. Goal is for 3 years. You are so right about following debt free social media. So many accounts are based on material things and consuming. Your channel and others keep me on track! Love your videos!

[@thenaa.6339]

Hello, my husband and I really like your videos together as a couple. We'd love some more videos on budgeting. You mentioned making a future video on your budgeting spreadsheet. Where can we find it please?

[@ellef4812]

We too do the Dave Ramsey FPU (semi lol)...I have always been good with money and so was never on board for a lot of debt. Have put 2 kids thru college (1 out of 3 went into military) and have just 3 1/2 years left on mortgage. Yay! Thanks for sharing...this will help MANY ppl! "Live like noone else today so you can live like noone else tmr" LOVE THAT!

[@marthamyers]

We are on BS2. This time next year we should be consumer debt free!!!! Congrats to you on BS3.

[@lilylangman5620]

We did David Ramsey also!!! Congrats!

[@jerichobyrd]

Everytime I watch one of your videos I notice an increase in your subscribers. So cool! Good people spreading a good message that is obviously needed by many. ❤️

[@user-zz3nv6hw2s]

Hey....December 2019....I took about 70k....I was bestowed upon...I paid everything off sold my 2018 Silverado..bought a 2011 dodge Dakota paid cash......cancelled credit cards......I have about 6k in savings....no home payment..just living expenses...its nice but overwhelming to realize how much poor decisions I have made.......I still cant comprehend I have no debts....just...now beginning to understand my new life......I can't believe how it feels.........

[@TheBudgetBounce]

New subscriber here! One of your paper decluttering videos showed up in my feed, and I love your approach! I was so glad to see this video from you! We are in the middle of baby step 2. It's a long road, and the day to day grind can be tough. But we have managed to move farther forward than we've gone backwards. And when we looked back this week as I was totalling everything up, we have paid off over $50k so far!! Happy New Year to you and your family!

[@kristenlamarr2829]

using the everydollar website and app dave talks about has been a LIFESAVER in making our debt free journal a real thing!!

[@zoea2812]

Hi Dawn, I was wondering if you could give me some advice. I could be losing my job in 12 months and I have £4,500 worth of debt. I have £2,900 saved but dont know whether to put that toward the debt or to use as a safety net to use when out of work. What should I do? Thankyou for any help.

[@LisaPFrampton]

We paid for Dave Ramsey's program and took it online together, BUT, I still can't get my hubby on board to do this WITH me! He's controlling and also lies about how much money we have and has accounts I can't access.

[@tabithamoore6604]

Great story, BS 4/5/6 here! It is so worth the effort and sacrifice!! The level of stress that has been removed from our household is amazing. We paid of $25,000 in 11 months, we sacrificed, we said no, we sold things, we picked up extra income! Since then we have been able to go on a Disney Cruise, upgrade house, currently saving for a new car for me, and handle all of life's issues as no more than a hiccup. With no debt other than our home, when we found out hubby was loosing his job we redid the budget and we can make it on just my income without touching savings until he gets another job. Previously we would have been in full blown freak-out, now we just ride it out and we will be just fine :)