DEBT FREE ON ONE INCOME! My story and how we did it!

[@ACatholicMomsLife]

I Hope you enjoyed😊. LETS CONNECT! On instagram at instagram.com/acatholicmomslife/ Facebook at facebook.com/acatholicmomslife/ To SUBSCRIBE kzbin.info/door/BPwe61hWru6AN8ZzyY-KwA

[@Palomargal85]

I agree with the comment below! I am a single Catholic gal and I use Dave Ramsey too! I paid off college, my car and now own my own little cottage! Its good to know where every single dollar is going & envelope systems work so well! I am debt free too! I saw it as a gift to any man I meet too! thank you Heather for a great channel! My Mom and I watch you together!

[@ACatholicMomsLife]

very nice! Dave Ramsey is awesome! I'm glad that you enjoy the channel

[@brendalanderos560]

Hi, I’m from North Carolina and I am so glad to have found your channel! There is so much need for KZbin channels that influence our catholic faith in a way that guides us to Gods path.

[@ACatholicMomsLife]

Awesome! So glad you are enjoying the channel!

[@dinosaurcj]

I'm from North Carolina as well! Do you like the state? I didn't think much of it until I was about 14 years old, there are a lot of lovely characteristic things about it, the deciduous pine forests, the mountains, the beaches, I've also met a lot of polite people here, I think it's a pretty great state to live in.

[@marcihf9763]

I have 3 bank accounts. One is for bills and every day expenses. One is for emergencies and savings. Luckily I have enough money in the first account for most emergencies. The last account is for vacations/fun activities. This works really well for me. I can enjoy life but my bills are all paid off and I save money in the process.

[@EnglishTodayOrNow]

Pray the Holy Rosary. Hail Mary, full of grace. The Lord is with thee. Blessed art thou among women, and blessed is the fruit of thy womb, Jesus. Holy Mary, Mother of God, pray for us sinners, now and at the hour of our death. Amen.

[@cristinabarone9799]

There’s a type of satisfaction in saving up for things, l always find that I appreciate those thing more cause I had to save up.

[@laurenh.6372]

I feel like God has spoken through you to tell me to actually watch the Dave Ramsey DVD’s my husband bought six months ago.

[@annabelsmith4598]

Dave Ramsey has great advice! His plan works!😁

[@paulhill7726]

Peace be with you sister from Winston-Salem 👋 the wife baby and i are converting this Easter. Please pray for us.

[@ACatholicMomsLife]

That is AWESOME!!! I am so excited for your family! Praise God:)

[@agnesaj9199]

Congratulations Marcus!!! Welcome home to Holy Mother Church! I will pray for you and your family.

[@marcihf9763]

Welcome to the Catholic faith. 💝💝

[@paulhill7726]

Marci HF thank you. Been a long winding road to get to this path but soooo glad im here

[@marylinramos4300]

That's really cool! How did you decide to embark on this journey?

[@acountrylife]

Using the cash envelope system has been a great addition to our marriage and family. Shelling out four $100 bills at the grocery store is emotional. It really makes me find ways to save.

[@reymondcarrillo5367]

Heather your story is beautiful and I get a lot from you because first your story's clear ....and the fact that God told you that you weren't gonna meet your husband until debt free... .wow....

[@lizluscomb]

My husband and I are currently on Baby Step 2! I'm happy to have found a Catholic sister today: I'm loving your channel. :)

[@ACatholicMomsLife]

awesome!

[@RachaelLyn]

I just found your channel on YT. I have been a huge Dave Ramsey fan for a long time, but never actually applied his teachings to my life until recently. Thanks for sharing your story!

[@ACatholicMomsLife]

I am glad you found this channel! Dave Ramsey is awesome! I am glad you are applying it to your life! It is so freeing once you see the benefits! I am excited for you!

[@barefootizzy4464]

We love Dave Ramsey's plan! We are currently on the tail end of BS2! Love your videos!Thanks for sharing.

[@ACatholicMomsLife]

Dave Ramsey is awesome! He is so easy to watch because he is also funny and entertaining too. He has helped us so much!

[@kathycusumano2445]

Yes credit cards if paid on time is 2-5% cash back make sure there isn't an annual fee. Love your channel you're beautiful inside and out.

[@mandykiwi]

I’m just starting my journey to become debt free, I’ve conservatively estimated it will take me around 5 years (hopefully sooner) and I’m actually so excited to make that first big payment and just attack this debt! The fact that I can pay off my credit cards by August is amazing to me, they’ve been maxed for so long. So excited! Best part is that I was looking for cars because I wanted a new one, and I stumbled across a Dave Ramsey video ... now I’ve completely switched gears. Congratulations on your success! Hopefully in the next few years I’ll be there as well!

[@ACatholicMomsLife]

That is awesome! I am so excited for you! It's a lot of sacrifice but it will feel so great when you are debt free!

[@cecile7763]

Thank you. You are wonderful. I have learned so much. God bless you and your family.

[@mariatomczak8352]

I love watching u r channel it’s refreshing & it’s comforting. I feel like u r a friend thank u! May God continue to bless u!

[@ACatholicMomsLife]

I am so glad you enjoy the videos! I love meeting friends here:)

[@mariatomczak8352]

A Catholic Mom's Life please keep me in u r prayers🙏🏼 thank u!

[@genaciopryna5389]

Dave Ramsey is amazing! His methods are helping us pay off debt currently! Love hearing you talk about spending conservatively and shopping sales! I also use coupons when I grocery shop! Helps save a decent chunk of money! You’ve inspired me to reevaluate our finances to ensure we are tithing an appropriate amount!

[@JCeelou]

I am a single mom with one daughter that got married and a son in college. I paid off 2 cars, and a credit card. . The next goal is to pay off my house in 5 yrs. I am 40 but I know I can do it. My son and I work as a team to pay off debt. I am a school teacher in Texas, but what has worked with me is God. Being a single mom going to college and working was not easy, but with God’s help everything is possible.

[@aidamichael7022]

God is good!!

[@melindaanne6036]

Where I'm from in Canada the Catholic school system is run the same as public in which we decide where we want our taxes to go, if we decide to have the government send it to the Catholic board then we send our kids to the Catholic school in our neighbourhood. Most cities have a catholic school within walking distance of the public school and most times sharing the same yard and even in some cases they are only separated by a city leisure centre so they can have full use of the pool, gym etc.

[@katiegarner2633]

I love your channel so much! I always look forward to new videos❤️❤️

[@ACatholicMomsLife]

Thank you! that means so much to me!

[@dianalama1591]

KUDOS, you’re doing it the right way by living with your God given priorities just as God has asked us to do🙏🏼

[@marisawatson6464]

Cash flow everything!!!! Its the best way to keep track and honestly? Every time I decide to spend money it makes me think hard when I have to spend cold hard cash. Just saying . . . God bless

[@happy_warrior]

We’re down to house and car debt. No credit card debt, no loan debt. Eliminating debt is like destroying chains!

[@ACatholicMomsLife]

That is awesome!!! Such a great feeling!

[@deb9806]

No CC is Dave's thing and for people who are disiplined, it's fine. I'd rather someone hacked Am Express (which happened) than my debit (which happened) and it's so much easier to fix and I don't see "my money" gone. I had 300.00 about to use for gifts this year I didn't save. I realize though for many the temptation to make them get very high is there and Dave knows that too.

[@Laura-lo9oe]

This is good stuff Heather! Super amazing about paying cash for the van. We are blessed to be debt free as well but feel like we need to learn more about retirement and investing- besides what Marcus is doing through the city. Maybe you should make your husband do a video on that! Like where to start, haha!

[@frlouiegoad4087]

YES! You are "SO" Correct!

[@maritzaperrault4836]

Just a couple minutes in and I already love it!! Haha

[@ACatholicMomsLife]

awesome!

[@christinab6576]

Great video! I've tried the cash only thing. I didnt like it because I still had my credit card and could use it but also because like when I get gas I really hate going inside to pay because if i overpay then i have to go back in again but if i underpay then i have to stop more frequently. I do like to use my credit card to get cash back but sometimes I'm not the best at paying it back right away. We have gotten a lot better as a couple but have a ways to go. The one thing we dont do is give ourselves fun money. I mean we usually go get fast food 2 times a month but that's about it. I do think it's important to have fun too. Also we never vacation. He does take time off but we dont go anywhere. I also want to own our dream home one day. Sometimes it seems far fetched but God is in charge so I'll do my best to do my part.

[@michellemarie1197]

I so wanna be debt free!! I'm tired of renting, even if it's a shack I wanna own a house of my own and not have a mortgage or big monthly payments. Hubby has credit cards and I have medical debt and student loans, but if I could change my housing situation that would help a LOT.

[@apracity7672]

You need a mortgage to get a house though

[@Nick-rb1dc]

Wonderful advice. Glad I found this channel.

[@OneHappyFrugalFamily]

Great job on getting out of debt!

[@redeemed2012]

Living debt free should be an American dream only then one can afford a home for really good interest rate...great clip, thank you, God bless!

[@aces0730]

Hi Heather, you are an inspiration. Unfortunately, I'm not debt free. My student loan and mortgage is killing us. Sigh..

[@julianiquet]

In my relationship we struggle with money most months , but manage to be debit free. We now need to start saving. We, however, don't pay the 10%. We talked about it but couldn't do without really putting ourselves in a bad situation. Hopefully that will change in the future. Btw, is your husband in the military?

[@pama.6410]

Not really a one income family when you have the youtube channel, but great advice.

[@BabyFaceNelson23]

Shes so cool lol blessings Heather

[@ligiabaez5694]

The interest rate daily adds up on the credit cards which you should include in the amount you budgeted

[@frlouiegoad4087]

CREDIT! IS DEATH! 29%! YES! GOD worked in your life!

[@d.g.f.6497]

How do you save for your personal retirement? Do you intend on working when all your babies are in school? Are y’all assisted with a financial advisor periodically to keep your retirements in track? Sorry if this is personal, I am scared to take that leap when we have babies.

[@kristendoucet2386]

I love your ideas. I have questions. Im really trying to budget and get debt free

[@terrytorres961]

You are awesome..any sisters? lol

[@angelfoodcake1979]

You talked about 10% to church or charity immediately. Is this after tax or before? And when you save the 15% does this go from the original paycheck or from the amount left after giving away 10%?

[@ntmn8444]

You can do 10% after tax, but if your job has it where you can make pre tax contributions to charity or your church then you can set it up that way.

[@BibleSamurai]

catholic? counsel of trent canon 9 states if you believe salvation is in Jesus Christ alone you are cursed. its works plus faith. thats not what the Bible says. whats up with that

[@kevinnainakevinnaina5746]

Very sincere