Financial Q & A - Will I keep vlogging after debt? -$11,152

[@loispoe4849]

Happy to hear you will still be making videos after your debt free. I enjoy your sense of humor.

[@owlyouneedishealth]

I'm glad you'll still be around after debt. I think people are worried because it has happened with other Dave Ramsey-following (well, in some cases loosely following) youtubers :) You are an inspiration to me!

[@LeiselRadtke]

Love your channel! Your channel is always the first on my list that I check for new videos. You're very relatable and seem like a very down to earth person. Looking forward to seeing a $0 balance on your videos!

[@dmiod2]

GoBudget Girl Go!!! Cannot wait to see you do your debt free scream this year!!! We appreciate all of your time helping us and I enjoy all of the laughter.

[@ellieb8171]

I can't wait to see where you travel when your debt free! I can see a travel on a budget series coming up!

[@todaywillbeawesome]

So glad you'll be sticking around after you become debt free! It'll be so cool that you've been able to document your debt free journey and what life is like afterwards.

[@soniagalvez432]

Can't wait to watch you finish baby step 2 and move on to the other steps. I hope you got my card in the mail this week. =) I appreciate all your time, you have helped me stay so focused and learn a new way of life. THANK YOU! THANK YOU! THANK YOU!

[@TheChooken83]

We live in Australia and spend $400 a month at the supermarket, this is our grocery budget however it's not just food, we buy all our household needs also inc toilet paper, shampoo and conditioner, razors, personal hygiene needs, cat food, washing powder and dishwashing tablets, this is for 2 people and a cat so it works out to $300USD a month, it can be done quite easily

[@heathermayfield4247]

My goodness 10k to 13k subrcibers has happened quickly - well done BG. I am saving a nice bottle of Prosecco for when that number starts with a 9, it will be an across the pond mini celebration before the big party when you hit zero!

[@beckyholbrook7395]

Love watching your balance shrink. Also, your new way of eating is looking good on you! You go, girl....or....you go, Budget Girl!

[@Mimzarooni]

BG, I'll try to start consistently leaving a comment from now on if it helps you out a little bit. You are one of two You Tubers whose ads I watch all the way through. So proud of you!!!

[@rachel2959]

LOVE your channel, Sarah, but, even more so love your personality and positivity. You are an inspiration to so many. Keep up the awesome work!!

[@hobbyhomesteader5801]

New to the DR journey and it's all thanks to you. BS1 almost down. I will be enjoying watching you reach your goal and then beyond ....

[@ouvickie]

I let the ads run on the channels I subscribe to, because I figured you rec'd more money that way - so thanks for clarifying that. Have a great weekend!! :-)

[@sheriwilson8367]

I have been binge watching your videos...you have such a great outlook. Thank you for always making me smile as I start my journey to become debt free :).

[@whitemanning4324]

gonna start watching the ads before your videos. i already like every video. and heres a comment just so it could be suggested. rooting for you BG. being debt free is amazing.

[@ianpardolim8966]

Great to know that there's more Budget Girl in the future!

[@taniaeitel7623]

Knock out that debt, Sarah!!! You are doing an amazing job!

[@jungwhat]

you are so inspiring Budget Girl! :) I'm currently helping my parents get out of their debt and learning how to take care of my own money matters.

[@7931lila]

Perfect length video for a Q&A!!! Thanks for answering our questions abt steps to take on youtube to best support you!!

[@oz4648]

The vlogbrothers have said that KZbin Red (subscription which has no adds, video and music downloads, etc) pays a creator way more than adsense. I don't personally have it, but if any viewers have some extra money ($10 a month) that is also an option. I am very happy that you are continuing after being debt free! You are my personal favorite budget vlogger. Fun budget thing that has happened the past two weeks-- I have a soy intolerance and finding bread and peanut butter that I can have is expensive. But the two grocery stores I frequent have those peanut grinders, and its MUCH cheaper (several dollars cheaper) to buy peanut butter that way and it is really, really good. I am utilizing my universities student health center to get flu medicine tomorrow (I am really mad about getting sick). Because I pay a health fee with tuition, I will get care without added cost which is really nice. It means I don't have to walk into a store and finding health care in my town is really challenging. Happy budgeting!

[@amber4design]

I had no doubt you were going anywhere, BG. The story will continue after you're debt free...and actually, I'm finding BS3 to be very interesting. Looking forward to watching your journey!

[@oliviajerebic3811]

You are such a wonderful person! :) I am lucky to never have been in debt, but am guilty of not having been smart with my money. I am 25 years old, and still live at home, and instead of saving my income, I use to go out on spending sprees and spend most of it on food, clothes and entertainment. i have been working for years, but don't have much to show for it... As fortunate as I am to not have put myself in deep financial trouble, the situation would have been so different had I been living on my own or run into some financial crisis. Thank you for teaching us the importance of preparing for the unexpected and securing your future. It is a lesson that i am SO GLAD I finally learned. GOOD LUCK with the rest of your journey! You are going to kick your debt in the BUTT!

[@Makes_Me_Smile]

I'm happy you are going to keep filming. I look forward to it. I'm in step 3, and it's been much harder for me to stay focued than it was in step 2.

[@kimrodriquez4260]

I sure can not wait to try your budget sheet out. Thank you for posting it..

[@foxsea451]

Love your videos! Can't wait till you are debt free!

[@rachelelizabeth7036]

Well done. Can't wait to see your video telling us your debt free xx

[@livinwiththeedges8283]

Thank you for giving us the videos we love! Great video

[@eldonryder6385]

Congratulations on 13k subscribers! Nice to see that number going up as your debt number goes down!

[@amber4design]

BTW, 13,000+ subscribers!! Woohoo! Your channel is on FIRE, girl.

[@wilde1909]

Congratulations on your increasing subscriber base.

[@oceansprayo9157]

Love your videos, and all your hard work! You have inspired me to keep on track!! I have no doubt that this will be an amazing year for you!!

[@chappieshappy]

I enjoy your videos you are so focused on your journey. You go girl.

[@melissataulbee2048]

So happy you are going to continue. Love your videos.

[@tracycentsability1444]

Your channel is amazing. You are so inspiring. I am amazed that you have paid off so much debt while making so little. You are a true inspiration to everyone. You are showing us that anyone can budget no matter their income. you also show everyone that yes we all need a budget. Thank you so so so much

[@HeavenlyImaginings]

So glad you will be continuing after your debt free. I share your Channel with so many friends who struggle with budgeting, money and Debt as even though I am not in debt I am on a crazy small budget and have found a lot of your tips helpful to stretch my money further and manage it better :)

[@thecontentedhome9167]

You are doing an awesome job. I need to do a scorched earth budget to build up my step 3. I've found it harder than step 2.

[@jennybanana2296]

I think you are awesome! It's so inspiring to follow your journey and I don't even had any debts ever, but still I so love your personality and I really love your channel. You are such a great role model and I hope a lot of people will get inspired by you!

[@debbiemabrey6011]

I love all your videos and taking us along on your journey!

[@Rebecca_Renae]

The first question you answered -Dave Ramsey said he wouldn't want to wait 10 years for all of the debt to be gone!

[@zaksanderson5071]

im so glad you will be around after your debt, i am at exactly the same stage as you well £12000, so you really keep me motivated, well done budget girl

[@lounora72]

Can't wait for you to be debt free ..... looking forward to watching you living and enjoying freedom

[@BrianSmith-ku5cg]

I generally agree with your advice and I think in many cases, it is best to get rid of student loan debt. However, with the public service loan forgiveness program (PSLF), borrows only need to make 120 payments (nonconsecutive, meaning any 120 payments even if you miss some months) while working for a public entity or a 501(c)(3) company, which includes most private universities and hospitals. You can combine PSLF with an income based program like IBR, PAYE, REPAYE, meaning that you only have to pay 10% of your discretionary income, which can be quite low or even zero for some people for those 120 payments. The PSLF was a part of the promissory note that borrowers have signed since 2007, so any loans taken out after that assumes that borrowers could take advantage of this program. If the government retroactively took away PSLF, those borrowers could sue the government and potentially invalidate the debt because of the government's breach of contract. In any case, changes to these programs are almost always never done for current loan holders, only future borrowers, because of the public outcry that would occur if they ever did some sort of bait and switch. In using this program if you also qualify for income based repayment, you will free up likely hundreds or even thousands of dollars per month you can use to saving for a house, contributing to retirement, etc.

[@maggiegodoy7012]

I didn't know comments help. I almost never comment but will do it if it helps you!!! Go BG

[@ajgwinters]

Another milestone! Over 13,000 subscribers!!

[@coloncapitalD]

Ahhhh... comment comment comment. Give her money money money.

[@swissmissyogini]

13000 subs! woohooo! go budgetgirl!

[@user-ho1jb8dh4x]

Thanks for all the inspiration we are really helping those of us who are trying to make a better life for ourselves and our families. Step by step we will get there and it's so fun to watch your journey . Just Inspirational

[@ksk5664]

Keep it up Sara. You're doing great!

[@lizzygordon8033]

Another great video! Excited to see your progress and kicking debt!

[@kimbers1238]

I've been liking and commenting on most (hopefully all) of ur videos. jus doing my part. lol

[@jassyh.3174]

Yay. The Q&A's are back.

[@angelasnyder7135]

Hello BG I have been watching you from day one, love your video's ! I don't usually comment because i am usually watching you on Roku so i can not comment. Keep up the good work!

[@belenc.2924]

like the new glasses

[@heatherharmsen5599]

Love watching your videos! You are an inspiration. Can't wait to see your debt free video 😀

[@mrssmurf55]

I can't wait till you do a haul for whatever you want when your debt free a kind of treat myself haul for being a debt free;)it would be lovely to see having a guilt free treat!

[@kadieolson1870]

One of you earliest videos I remember was yiu popping the $5k (I think?) balloon! It's incredible how far you have come! 😆 Keep it up, BG. We will be debt free this year, too! 👊

[@baymacae]

Happy Friday!!! ❤

[@atdepaulis]

i never thought about you leaving after being debt free but since it was asked i am super excited to hear the answer was no lol i am so excited because i really believe you will be debt free this yr 2017!!! how exciting is that!!!! whoo hooooo!

[@nanasplacepaula]

I love every video, and have watched some more than once!

[@chuley8275]

I love these videos!

[@susanuvanni143]

I will like and comment and share from now on!

[@saraceballos3935]

Great videos. I have really missed the financial Q&A videos.

[@laurentan480]

Congrats on 13k subs.

[@xiovandijk933]

I am totally confident you will be debt free before the end of 2017! :) Greetings from wintery Holland!

[@dianesmith9806]

Your over nite oats are the best !!!i use canned fruit !

[@everydayhomelife8697]

Congrats on the 13k subscribers!

[@amandagoodman4888]

This might be a dumb question but I know you mentioned watching the ads that play before your videos helps you earn money (which I am all for helping out with) but when we opt to "skip ad" does that not count as watching the ad? I would love to help you out as much as possible and if it's hindering you from earning as much then I will be sure to watch them all! Love your enthusiasm for the debt free lifestyle and you are always an inspiration to me to keep moving forward!

[@safepethaven]

Unrelated to budgets, but Sarah, royal and sapphire blue are definitely YOUR best color to wear, at least near your face in this video. I bet a true rich purple would look great on you as well. So, to my question: I know that you have had success using CapOne360's virtual accounts in your debt payoff journey, and that you have a different local brick-n-mortar bank to use in town for the non-virtual transactions; how do you get things moved back and forth other than e-payments/xfers etc, for example when you have cash to deal with or a check to get into your virtual CapOne360 accounts? Or is the local bank used for most everything except your savings/sinking funds done thru CapOne360? ot trying to be so personal, just curious about the moving between accounts when one is virtual only? Also, with going cash-only [no credit cards], do you have any problems, say with buying a vehicle IF it were necessary to buy using a small, short term loan rather than full cash for the car? I was taught that FICO was critical, but if one can do cash only then I guess it does not matter. What's your experience with FICO scores and credit history in general? Has any landlord ever required such credit data either? I've heard that renters often have very rigid hoops to jump through, and have heard that even folks applying for jobs have to provide their PAYMENT HISTORIES/FICO scores to potential employers! Whaaa...? Wow it just gets more & more Big Brotherish! I have a few stories to relate of my own but are way too long to type here. All of mine started with tragic beginnings and while they had an ending with the eventual desired resolution, let's just say that credit/loan approvals done on standardized form documents and analyzed by a computer and its rigid algorithms, I've always been rejected upfront as a square peg in round hole -- until I insisted on speaking with a human loan officer. I have yet to be denied the loan I needed once I 'pleaded my case' with my history to back it up, again proving that I'll never fit the mainstream [fiscal] formula of the general public, but have always been a zero risk to any lender. Keep up the great work slaying that debt dragon. You'll get 'er done sooner than you can imagine!

[@kat5000]

you rock, BG! I will continue to run your playlists in the background while I cook or work on my budget :-) - if it helps you, all the better! what I meant to ask: how do you calculate you amount of debt for a specific day? greez from austria *wavesfrantically*

[@TillieElaine]

I love your taco soup recipe. Anything I can use the slow cooker for I'm a fan of

[@debbie38381]

You're doing great BG.

[@meweewoo]

To add to the first q&a, the amount that's forgiven will also be taxed as income so it will end up costing extra in taxes as well.

[@michaelb.8953]

If I had to be in debt I wish it was only $11,000. I crunched some numbers a couple of months ago and we are $171,000 in debt and that doesn't include my $250,000 mortgage. Man this sucks. We started whittling away at it last month and we got one of our brand new cars paid off in three weeks with $6,000 remaining at the start of pay off on the seven year car loan and paid it off at the five year mark last week. Next debt is on the table now which is one of our many credit cards with a $5,000 balance. The scary thing is I don't know how we amassed so much debt, but at least we learned our lesson. I am estimating this $171,000 mess will be paid off in full summer of 2018, then I can start working on my house which should take another 1.5 years to pay that off. I can only imagine the feeling of freedom with absolutely no debt. Right now to pay minimums on everything including the mortgage is almost $6,000 a month. I hope we don't loose our jobs that would be a disaster, but right now I don't see that.

[@jennymcclung3620]

Go BG!

[@scottheitman9548]

i hope so

[@Edbeatty91]

Awesome for you to keep vlogging- now I can live vicariously through you being out of debt😁- still very far off for my family😮 Love vicarious KZbin videos- like following the Former Mrs Jones house hunting😁

[@BudgetGirl]

I LOVE watching her stuff!!!

[@sarahg7951]

you are an inspiration!!

[@freedominabudget]

I was thinking about that $2k you saved the other day, glad you haven't had to use it yet!

[@mariannedressler6784]

Internet high 5!

[@user-lw2bw7vt2m]

YES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@emmadunkley5786]

loved your live session on insty the other day :) cant wait for the next one ... my partner thinks i am crazy how excited it get :) he prob right ... thanks again for being u from @lookingaftermycents

[@emmadunkley5786]

oh an i am goin to go through and like all your videos .... might not make u millions but will hopefully help hahaahaa

[@JavaFirst]

I also like your review of the foods you've eaten each week. I think without the reviews less people would consider making the recipes you use. It is especially helpful when you tell us how the food held up the entire week. Very informative. Speaking of finances I've heard two things and I want another opinion. I've heard to save 20% of income and I've heard 30% of income should be saved. What is your recommendation? What works for us is saving and tossing as much as possible toward debt. We save for repeating things like car registration and also unforeseen medical expenses. Worst case scenario type of things which is a necessity for us with our health issues. I wanted to thank you for a video about your fitbit. I think you said it broke and you contacted the company and they sent you a replacement. Well, the same thing happened to me and I would not have thought to contact the company why I don't know. Anyway they sent me another fitbit.

[@Libertyandcheesecake]

Great video 😊

[@NicoleWaltersTooele]

Love you videos BG!!!

[@1207susant]

Good video!

[@hfrankery]

So excited for you! #scorchedearth

[@Lele2323bk]

Great Video and Thanks like always for sharing! :)

[@NoCatchyName]

Keep it up BG!!!!! :)

[@chasingsimpledreams]

glad you are gonna keep blogging! btw have u heard of the ibotta app? it's free and u can get money back from what you have bought. like Ebates but on your phone.

[@Amanda-kw2uq]

When you're debt-free, will you call in to Dave Ramsey and do your debt free scream? I'd love to hear it :)

[@rosebud7105]

Does anyone remember which BG video had the Cheese Burger Soup receipe in the description? Hubby is wanting to make it. Sounds good to him! :)

[@BudgetGirl]

therecipecritic.com/2012/12/cheeseburger-soup/

[@rosebud7105]

Budget Girl thanks BG!

[@xWhereswaldo]

Did you say $300,000 in student loan debt? I mean I dont know if they'd be able to pay off all that in the 10 years it would take for the government program, depends on income of course but 300k would be very difficult unless you had a good 6 figure income

[@BudgetGirl]

$30k... very similar to what I had. My advice would have been different for $300k

[@xWhereswaldo]

That makes more sense, you said 300,000 at the beginning though :P 0:46

[@MeganTerrell]

Shelby Chanel I was also shocked by her response to a 300K student loan debt! 30K makes complete sense with her advice.

[@SaraMitchell09]

hopefully if you have 300k in student loan debt you are a doctor ... if so paying off the 300k in less than 10 years isn't that far fetched....

[@vickieclark5931]

If you make 200,00 a year, then paying off that amount of student loan debt would only be about 2-3 years. So hopefully they are making bank with that kind of debt.

[@stacf6117]

silly question. do you have to watch all the add or can you skip? if so I'll start watch all every little helps! love your channel & glad I found you from England

[@megablessedgram]

I can't find the video that you posted regarding making apple chips in the oven. I have some apples I need to use up and don't want to waste them either. Thanks Sarah! :)

[@BudgetGirl]

i just used a basic recipe i found online.

[@megablessedgram]

Thanks, I'll look there. 😀

[@bettylou3709]

Just a heads up, Walmart is discontinuing price matching in a lot of their stores. We have lost this benifit in two stores within an hour of our home.

[@ksk5664]

Oh No

[@melindabanning7707]

I am excited for you but upset with myself. When you were at 12,000 or so I was just a little ahead of you, I challenged myself to keep up with or even pass you but alas I had several set backs so now I am a little behind you. I an going to work like crazy to keep going though.

[@BudgetGirl]

We all have our setbacks, promise. I was furious with my numbers when I was saving that storm fund because my numbers weren't going anywhere! And that's like the least of my setbacks! You'll get there. The point is progress, not perfection.

[@plp103084]

I only see 5 numbers of debt ;)

[@budgetrebelgoals]

Thanks,I'm starting a debt countdown for my student loans..eek! A little more than 32k..Yikes!!

[@jeb040860]

Love ur videos!