Becoming Debt-Free: the MOST EFFECTIVE methods we used

[@Homegrown_Hillary]

I did end up making a video on how to make a price book! You can check it out here: kzbin.info/www/bejne/fXnIdnd9ltefh6M

[@kittykrueger3529]

Great tips! Been binge watching videos for weeks for budget grocery shopping. You are the ONLY one who doesnt push apps and couponing. Did it before and takes way too much time and effort. Generic, BOGO, and clearance meat sales. Just figured out how to make potato chips with nothing but hot oil, a potato, and vegetable peeler. Saves tons on snack food. I cook most from scratch but convenience foods were doing us in. A $10 pasta maker rolls dough thin enough to premake pizza and pizza rolls for the freezer. Rice, oats, grits, and flour extend everything. Growing/raising as much as possible. Buying/eating what's in season... A shut off switch on the hot water heater saves tons. Heating and cooking exclusively with a wood stove in winter and outside on a grill and outdoor wood stove during summer saves tons on the electric bill. Every dollar saved goes towards debt.

[@Homegrown_Hillary]

Thank you! I understand why so many bloggers & KZbinrs push the apps...I could earn $2 per person I get to sign up, easily. But they just don't work that well, and I can't in good conscience push and say they're anything but a sometimes useful afterthought. But thanks for the pasta maker tip! I've seen one at my local thrift store and you might have convinced me it has uses other than pasta. 😂

[@allysonh6410]

@@Homegrown_Hillarythank you❤

[@ramonaneyrinck2292]

I Used a zero-based budget before I even knew that’s what it was called. And I also pre-plan my paydays in a binder including savings and I was able to save $10,000 over two years. I also became debt-free in 2020 and $83,000 in 3 1/2 years

[@Homegrown_Hillary]

That’s incredible!

[@allysonh6410]

AWESOME!!!

[@kelleyspears1218]

Do you mind sharing some of your tips?

[@rebekahquinley8093]

We did Dave Ramsay a few months after marriage and it was great for us to have that experience of crafting “our rules” together instead of relying on what “well I’ve always done…”

[@Homegrown_Hillary]

Yes! It's so interesting how our money habits are just done instinctively until you sit down and talk about it. Hooray for being intentional!

[@treasuringpricelesstime5962]

New subscriber here in Lancaster, PA. Loving your content thus far. Thank you 😊

[@brendaboll8639]

You just popped up on my feed and am very excited to "find you". Congratulations for being debt free at such a young age. Keep teaching!!! I'm excited to watch your channel grow. Be Blessed!

[@Homegrown_Hillary]

Why thank you! Glad to have you on board!

[@nickiclarke4304]

Just found your channel, Hillary. Looking forward to following your journey. 🙂

[@LifewithAmber24]

Oh girl preach it! I don't do coupons, cash back app, reward point apps, or mail in rebates. It's way to time consuming and, as you stated, frustrating! I just found you as well and am looking forward to more of your content! Keep the vids comin!😉

[@Homegrown_Hillary]

Oh man, ESPECIALLY the kind of 'saving' that puts time between the moment of purchase and when you get the money, like snail-mail rebates. There would be no way I'm remembering those, haha. Thanks for joining the fun!

[@lisakrings5419]

I’d love to have you do a video on how to make a price book. I just found you today and I’m looking so forward to following you. I wish I would’ve been as financially smart as you at your young age. I could’ve saved myself a lot of regret.

[@Homegrown_Hillary]

You’re in luck! That’s the first one of my deep dives I’ve planned. Keep an eye out!

[@ginadowd1713]

It is truly insane how much $ can be spend just buying lil things at the register (snacks, soda, etc), takeout/drive thru and coffee.😮 I remarried at 50 after being a single mom for many years. My husband was the quintessential spending bachelor. The struggle was REAL!

[@lindapedersen-hylka7170]

Hi Hillary. Just found you today. This is the second video I've watched, so far. You make so much sense & explain in a way I instantly understand. Clicking that subscribe button now & looking into more videos. Thanks

[@Homegrown_Hillary]

Thank you!! I’m trying really hard to be understandable and organized with my thoughts, so hearing this is super helpful!

[@allysonh6410]

4:04 so that’s how u started together!!! Lol I’ve already ruined him on Dave 🥴😂

[@Viriatha]

I make my own lattes at home. Homemade oat milk is easy to make for them, too.

[@retirementbudgettravel699]

Great video! Well done on getting out of debt!! Just found your channel. You have great content & you are fun to listen to. Just subscribed. Thank you!! 🌷

[@Homegrown_Hillary]

Aww, thank you so much! 😊

[@SherryEllesson]

Yes, please. I'd like to see how you developed your price book.

[@carolfuller4940]

Hi Hillary, just found your channel. Subscribed immediately. Looking forward to binging on your vids and watching for new ones. Thank you.😃

[@debbykidd9813]

Pricebooks are great. Mine is in my head.

[@allysonh6410]

So far this is my favorite video of yours!! And that family food budget from the gov you linked to(❤ thank you!!) blew my mind! Congrats on being debt free!!🎉🎉🎉

[@Homegrown_Hillary]

Yes! And they update the numbers every month on that .gov site, so you can always get an up-to-date estimate.

[@lorrainestanhope8859]

Just found your channel. Going to listen to you.

[@Homegrown_Hillary]

Thanks Lorraine! Just finished up filming at the grocery for this Saturday's video on shopping hacks :)

[@anitabubic6094]

Bravo!

[@aladouceur1896]

Thanks!

[@Homegrown_Hillary]

Oh my goodness! You didn't need to do that! But thank you so much.

[@MrMensa141]

I knew my fiance was serious when she suggested we combine our bank accounts.

[@zz-ic6vy]

Thank you, great video. Could please do video about increasing your income? About how you started levelling up your skills and starting second job But not as no skill job? I am finally spending less but i realize that i don’t have enough income..

[@Homegrown_Hillary]

It is something I already have a script written for! Except I've got like 30 scripts 🤣 In the meantime, if you search "frugal fit mom side hustles" or something, I've enjoyed the few videos she's made on the topic.

[@joybeetz8256]

I would love to see how you do the price book

[@Homegrown_Hillary]

I got you covered! kzbin.info/www/bejne/fXnIdnd9ltefh6M

[@amydecker6207]

Just for kicks, I just calculated the thrifty spending plan according to the USDA for the different age groups for my family of five. The total that the USDA thinks we should be spending on a so-called bare-bones budget is $1,295. We spend less than a third of that at$400.

[@Homegrown_Hillary]

All of a sudden that song “THIS GIRL IS ON FIYYYAHHHH” got stuck in my head. 😛 This is awesome!

[@MissBurr1]

Some folks live to eat, and some folks eat to live. Mama always said, a full belly is a full belly.

[@annmarieknapp9942]

I'm coming over from Brooke's channel and just subscribed! I can't wait to watch your other videos. I really like your content. 💖🌹 God bless you! 🙏

[@Homegrown_Hillary]

THANK YOU! I’ve been trying all afternoon to figure out where everyone is coming from! Which Brooke? Can you link me to her channel?

[@annmarieknapp9942]

@@Homegrown_Hillary sure thing! Southern Frugal Mama!

[@Homegrown_Hillary]

OH MY GOODNESS. Um ok this is the coolest day ever, haha. Thank you!!

[@annmarieknapp9942]

I think it's @southernfrugalmama. 🤗

[@annmarieknapp9942]

@@Homegrown_Hillary yay!!!!

[@RegularHuman]

thank you for the knowledge

[@estherromo7689]

Love your videos🧡

[@abidashah4943]

Hi sweetie u OK. Thanks for sharing❤.can you do a sinking funds envelope ✉ system video budgeting tracking money .and a frugal house tour thank you take care ❤ lov always from uk 🇬🇧 ❤ 💖 ♥ 💕 💗 🇬🇧 ❤ 💖

[@Homegrown_Hillary]

Frugal house tour is already on my video “hit list,” but the sinking funds idea is new! Thanks!

[@lindagbukvic9441]

I like you! I don't like your hair scraping on your microphone.

[@Homegrown_Hillary]

Gahhh yes. This was one of my first videos and I (think?) I’ve learned my lesson. But thank you for the confirmation that people CAN hear it! 😊

[@MrMensa141]

Excellent info! Trade you Mint mobile at $15 a month for cell service.

[@beth3535]

I pay twice that with AT&T. But $30 + tax is reasonable for guaranteed, reliable service. That change put nearly $40 back in my pocket every month - nearly $500. to date, Mint connections aren’t great in my dead zone street.