Unplanned Budgeting Setback - No Paycheck (+ NEVER Before Seen Footage) - Our Debt Disaster

[@Ashl3y.]

❤🎶 Dont worry about a thing 🎶❤

[@just.jaames2146]

I just have to say I love this series so much. I don’t think I’ve related to any other series as much as this one right here. Every single aspect is spot on from marriage, parenting, money to overcoming the hardships of life. The old videos were absolutely adorable. The ending was perfect. ❤️

[@kacieann26]

First of all, I am loving this debt series. I have watched you for years, and do feel like the old Cullen and Katie are back. Second of all, don't waste your money on St. Joseph. Trust God and his perfect timing. ❤

[@MiraByler]

I just found you guys when you started posting your debt free journey, and I love the way you guys interact with each other while being vulnerable with us. Cheering you on throughout your journey!! It’s frustrating when brands don’t pay. Hopefully you’re compensated soon!

[@EmeryShae]

Katie, don’t buy into all the superstition. No idol is going to sell your house. Just have faith in God, the only one can help you.

[@StephanieBogart]

EmeryShae yep! Ex 20:3-4

[@bethannjohnson2033]

That’s what I was thinking. Jesus is the answer! No Saint can save you.

[@teresawilson7630]

This is the problem with Every Dollar/ Dave Ramsey's budgeting method... you budget money you don't have, and sometimes stuff happens and you don't ever receive the money you planned on. Which is why I love YNAB. You budget only what you currently have by asking yourself, What does this money need to do for me until I get paid again? Seriously life changing. I followed Dave's baby steps but used YNAB as my budgeting tool, and it totally worked for us!

[@NaptimeBlitz1]

Teresa Wilson we used YNAB for a couple years and it was transformative for us. We hit a rough rough patch and are pulling ourself out of the hole using the same idea only on paper. It’s a great program!

[@ammlee1825]

Teresa Wilson would it be the same as using every dollar and only adding your income when you get it in and then budgeting?

[@bags_books_and_bowwows]

That's good to know. I'm working on learning to budget an irregular income, and the YNAB book is waiting for me to pick up from the library hold shelf.

[@notyourpinterestmom7921]

Same! This is how we do it! I’ve used YNAB since 2017 and it’s REALLY helped. Especially since we’ve gotten serious about paying off debt. YNAB is an unsung hero, in my opinion lol

[@cgowan24]

Agree. We use YNAB and you never budget money you don't have. Once you go YNAB, you never go back.

[@courtneypierce4411]

I love how the love between y'all has just continued to grow all these years later ! Every .little thing is gonna be alright ❤️

[@caitlynwade7782]

I know y’all have probably heard this a million times but I’m going to say it anyway. Watching your journey is so encouraging! So many of us live in fear of facing the truth about our finances. It’s just easier for us to keep our heads in the sand. Watching you face reality in such a bold way makes it easier for the rest of us. You are doing great. Keep it up! But even more importantly, be willing to give yourself a break (and a little grace) when needed. I pray that your house sells in God’s perfect time.

[@emilykraft6337]

Have you thought about selling the car or trading it in for something more affordable? Not sure if you’ve addressed this in a previous video.

[@carolcp100]

That would cost more in the long run because they won’t get money they paid for it I know from past experience from myself and other people

[@srapp11]

Emily Kraft thinking the same. $900 a month car payment is outrageous! They could get a nice suv for a third of the price and save all the money.

[@ThatDalyLife]

Emily Kraft yeah I thought the same thing. Especially since they have two vehicles. I’d sale the one not in use the most and pay down whatever debt you can from it. I think they said their Mercedes is paid off so I’d be selling that bad boy!

[@Hey12989]

They never address their vehicle! I wonder why... 🤔

[@sarahzepke1702]

You guys. I have bee. Following you, and loving this debt series. And I kid you not...this video posted just after my husband got done telling me that his position had been eliminated at work, effective immediately. THANK YOU for your realness and sharing with us. ❤

[@allylysiak1339]

That footage from Jamaica made me tear up. My SO and I are your age in that- we are so happy, so in love, so excited for the path we’re on. I hope our lives can remain in that state of happiness even when everything turns upside down on the journey through jobs, houses, and kids. Love y’all- been watching for years and I know “every little thing is gunna be alright” for all of us

[@thehoganhomestead7948]

Dave also says get part time jobs - newspaper delivery or pizza delivery. Have you thought of that??

[@QuiltTheDayAway]

Great job on being gazelling all over. Just wanted to mention something we found out when we downsized to prepare to retire that the bank needs to report cash deposits over 10k per year. We sold lots of large items, furniture, appliances, a car etc and made many cash deposits and the bank let us know about the limits. Essentially they told us if it was over 10k it could be considered as taxable income. Also be careful selling anything that you bought and expensed through the business. I sold off some business equipment and needed to run that through our business taxes because it was being depreciated as business equipment. Gazelle away!

[@cindilenyrenner1332]

As others have said, 100% put your Trust in Christ and not a false idol like statues. Enjoy your videos. God Bless and may He be Glorified.

[@prayersponytails6227]

I know there’s a pull to put trust in superstitions, but I can tell you think similarly to me and you know in your spirit that you can just trust in the Lord to sell your house in His perfect timing. It’s funny to joke about it though :) You guys have inspired my husband and I to get our budget on, thank you for being so open and also being open about the Lord. Hugs from Michigan 🤗

[@SaraMitchell09]

I know you are still trying to get caught up personally but you may want to look into "Profit First" for your business. It is an accounting method that basically says you pay yourself first and then you pay your business bills. It will take some discipline to switch your business finances but you can slowly start implementing the principles while you build enough funds to fully switch.

[@deel2167]

As someone who is looking to start up an online/freelance business in the future, I am LOVING the business tidbits. Keep 'em coming! As for the podcast video, who says you need video to upload on KZbin? Just use a still picture (your profile pic?) and upload the audio. Then you can upload past episodes too without them seeming out of place. Most people are probably just going to minimize the window and listen anyway, so why add an extra step that won't even make that much of a difference? Work smarter, not harder 😉

[@regansmith1041]

I’m getting married this summer and my fiancé and I have been watching your videos. I’m going from a college student to making a lot more than I ever have! I’m afraid that if I’m not careful, I’ll spend more cause I feel like I finally have more! Thanks for being so real and I hope I can look back in a year and see how much this has helped us!

[@wewemcrhyne]

Regan Smith y’all should go through Financial Peace University by Dave Ramsey. That way you can start your married life off with you both agreeing on how to handle money. The Dave Ramsey plan also gave my husband and myself a language to speak so we understood what the other was saying. After 10 years of being married, we finally had a plan. We’ve been debt free for 10 years now and are teaching our children to handle money as well

[@TuyetNguyen-pp2ew]

Save your money!

[@tashahaynes7697]

You should have gotten a "brand deal" with the bank and talked up some of their account services! Obviously I have no idea how that's done or if it's feasible. But isn't it cool that your getting out of dept journey can help promote your channel/business? I mean that in the most supportive way. Just thinking maybe there's more positive opportunity in this series?

[@crazyHaruLa]

I think Bank of America does some brand deals at least on instagram!

[@amandamead1826]

Katie had me ROLLIN when she's talking about St. Joseph 😂 "Is he out there? Do we need to find him? I'm about to dig up this whole yard tryin to find him!"

[@MrGwrider]

Forgot... I know how you feel.. been there and done that. It’s very simple. Give everything to Christ. It’s amazing what he does.

[@kndrkaye1]

This is exactly why when I started only doing TBM Budget by Paycheck Workbook, things changed. The Dave system didn't work for whatever reason for me. It was way better once I started to only look at exactly what had come in and what was going out.

[@ddlarue]

I used to watch you guys years ago and stopped watching when I thought you guys weren't being genuine. The other day I was at Target and wondering what happened to that Target ball family and looked you up. I must say I am sorry for your struggles but you guys are much more real and honest so I have watched all you 2020 videos. I am looking forward to the day when you are out of debt and will keep watching.

[@anastasiyanabors5991]

Thank you for sharing both your personal and business learning experiences; I am currently starting my own business. This is helping me set it up correctly and learning what to avoid. 🙏🏼

[@mfrankfurth3387]

definitely a youtube version of your podcast! i think where you film it makes me want to watch it even more!!! you’re SO real and that’s what makes me appreciate you so much and keeps me returning for more!!

[@kellydoran8569]

You guys inspired us. We can't tackle all our debt (I'm a student nurse, my boyfriend supplies most of our income). We have a car loan and student loans and aren't able to tackle those right now. However, we got our tax refunds and paid off my credit card that has been maxed out for a few years (3,000). And I feel crazy good right now.

[@simplyfreedom171]

Many people have setbacks in the beginning of the budgeting and debt payoff journey. Keep the faith, it's all good. It will work out!

[@sammiwalden2346]

The never before seen stuff is absolutely beautiful!! Y’all got this !!

[@michelle7352]

Fortunately when I first started my little side business, both my CPS and bank advised me of all the accounting needs to be legitimate for the IRS. Invaluable. Starting over clean is a great opportunity for you. I'm starting over too, retired. Love your channels. Thank you.

[@bethanyshepherd6651]

I wonder if you can start building into your brand deal contracts additional payments if they do not pay you on time, almost like a late payment penalty.

[@CandysWayy]

Absolutely love the little footage at the end!!!

[@janiefolkert6694]

Profit First is a great read for managing business finances.

[@beckyb3705]

Leave the poor saint alone and don’t purchase one. Just work hard, keep your head down and everything will work out.

[@debbieblincoe9880]

I would love a video version of your podcasts!

[@n2wabbit]

We had a small business for thirty years. Once we decided we wanted to retire we gave up our offices for the last three years we were in business and moved it into our home. What a savings and great tax break it was! Because we rented the company our full finished basement the company paid us a lease payment. It was so nice and we wondered why we had not done it earlier. We had five employees and while it was a little out of their way it wasn't a problem because they still had a job. Even B.M just recently got a office but it is more of a shipping center and she has done well working out of her home and J.P the same, their office is in their home.

[@KSLuz]

Aja Dang is also another youtuber who went thru Dave Ransey’s baby steps. She had multiple times that this happened to her. She had multiple videos that discussed these but basically she had to put a lot of cushion in her “baby step 1” since payment is irregular. She even noticed which months are when non payment happens more often. Good luck!! Btw, she just did her debtfree scream too!

[@worksofeagerhands8861]

She just did her debt free scream...so inspirational!

[@clairemattison8957]

Came here to comment this. She's got a great perspective that might ya'll. It may be that you need to have a larger emergency fund (or maybe business savings) to take into account inconsistent income.

[@priscilaazeneth]

Sheena Bonita I just came from Aja Dang’s journey to here because it was so great to watch.

[@jenniferl4861]

And Aja just did her debt free scream.

[@thevictoriagoogin]

Holy Hannah! Gaines sounds just like Madelyn when she was little 💕 Who else was waiting for Cullen to be inappropriate at the end of the video 🤣🤣🤣

[@veronicahambidge906]

that was Madilyn lol..

[@mackenziehogan3322]

I have been watching y’all for years. I slowed down watching once y’all moved into the new house. I am now a daily viewer again 💜 I was in a bad car accident and I’m out of work right now. We’re living off of my husbands income. Previously, I was the main breadwinner. We’ve found ourselves in a bind. Y’all have helped me so much! Thank you so, so much. 💜

[@gloriamassey3481]

What are your businesses?

[@brittanymcguff]

My husband freelances. The struggle is real! Good luck yall!

[@Jen.E]

Wow! I've never heard of a St. Joseph helping sell your house. One of my grandmother's was Catholic. I'm also a Southern Baptist in California, but my mom's side is from SC. If a St Joseph works.. it can't hurt. I'd just pray... put it on every prayer chain you know of and totally surrender it to God. 😇 LOVED your throw back footage! 💖💖💖💖

[@megsdesp86]

oh man thanks for sharing. we are 2 months in and my husband last job went under and we are waiting to be pd. we are in the same boat!

[@MissEmilyy]

I’m glad you’re posting this in your journey! You’re just at the beginning and things are going to happen to throw off the monthly budget, but being able to adapt and not use those credit cards is a key to changing that behavior! Y’all are doing great 👏🏼

[@laym1003]

You 👏🏻 all 👏🏻 are 👏🏻 gettin 👏🏻 it 👏🏻 done!! Hope you get the paycheck thing straightened out very soon - that’s such a pain. I love the old footage though. “Every little thing is gonna be alright” Keep it up guys!

[@Ethanf2318]

I love how open and honest you guys are about everything. I respect you guys tremendously and I live in the Birmingham area also!

[@myreadingescapism]

In love with this channel, legit watch all the time now as I go through the same struggle after my divorce. ❤️❤️❤️

[@TheBrittbrat2341]

Literally just found out yesterday that my husband is being sent oversees without us 😔 so we decided I would move back to my parents home. So we can save our BAH (housing allowance), sell my husband's truck, and pay off our debt super fast, like 5 months! Now just hoping the military will pay for us to move otherwise we have to figure out how we're going to pack our entire house in a short amount of time! 😬

[@tmvillageof6554]

How do the not send y'all also if hes married and has family

[@LifeSoDevine]

TheBrittbrat2341 throw everything in storage and drive home if you can! Once he gets his new orders back to the states they will move your stuff wherever

[@ThatDalyLife]

TheBrittbrat2341 I found when moving cross country that getting a pod (or something like it) worked best. My husband was gone for work, I had a baby and a toddler and I was able to pack all boxes and load, my husband came home the day we moved and one of his friends and him loaded the big furniture, it was all super easy. I set up the pick up and delivery of the pod at the new house and we unloaded it then the company picked the empty pod back up! And I should mention it was about $90 to rent per month and no delivery/pick up fee opposed to a Uhaul which is $90+ a day to rent!

[@theklp1]

TheBrittbrat2341 they will pay. They may even pay for a storage unit for your stuff. I know when we moved to japan we could have had a storage unit if we didn’t want to take some stuff with us. Good luck!!!! I know it’s not easy! Hopefully it’s not too long of a tour. ❤️

[@jennywinget1144]

My dad was military. They always moved him. I wish you the best while he oversees.

[@martapayne5909]

I appreciate hearing the business side of things as a freelancer preparing to take some big steps into working as my own business. I’ve got a lot to learn, but it’s great hearing what you guys have found to be some of the best practices.

[@sandracelestino411]

In my opinion, I don't St. Joseph has anything with selling your house quickly. I think it has all to do with the current market..and how many people can afford to buy a $500k house. Brittneys house is smaller..so I'm sure the number of people who can afford a house like hers is larger vs those who can afford a bigger/more expensive house. Anyways...just my opinion!

[@joanharris8057]

Sorry for the temporary setback! You are finding out that you will need a cushion to pay bills when your paycheck is late. Maybe in a few months you will be able to start your debt snowball! I can't wait! You both are working together which is half of the battle already! I am so proud of the effort that both of you are putting into this debt free journey!

[@findingvikki7469]

My husband has been freelance for 14 years and at times it totally stinks! Sometimes it is amazing. It takes some time but you can adjust to the late payments from people. It is frustrating but nothing you can do about it so just ride it out and stay focused.

[@donnabingham2797]

don't waste your money on st.joseph, trust God, use that money wisely

[@bluej822]

Proud of y'all! Keep it going!

[@TheGoldProject]

When a brand does that with your paycheck do you still work with them in the future? I have never done sponsored content, but I know this would infuriate me and make me rethink working with them.

[@CullenandKatie]

It depends on the reasoning for the delay and the overall experience with the brand prior to late payment. If they’ve been amazing to work with otherwise and we’ve had no other issues, but something happens like in one of our current cases where somebody went on maternity leave and some paperwork slipped through the cracks, we would most likely give them another chance! It also depends on how they’ve responded to the situation. We’ve encountered brands who don’t give a flip and are still rude even when its their obvious error, and those are just not the type of people we’d want to work with again in general! But there are many who are incredibly helpful, communicate well, and do everything they can to get it fixed ASAP, and we’re always understanding of the fact that people make mistakes. So it is a case by case basis for sure!

[@G4RA]

Cullen you are so lucky to have Katie in your life she looked so cute and sweet in that video! And she hasn’t changed. You both are a very fun couple!

[@abarlow86]

You may already be doing this but if you have a software similar to Quick Books you can send actual bills to your brands? Then it would go to their AP department to expedite payment? Just a thought

[@StephanieBogart]

The end footage was so sweet ❤️

[@sethmegandoran2561]

Don’t bother with burying a man made item in your yard! Keep trusting God you guys!! You’ve seen Him move so much already! Let Him have the credit for the sale not anything else! He will provide :)

[@raiychell4]

The happiness is so felt here in this video. Honestly I love the quick little tidbits. Just remember this to shall pass! You will get through this. And just like Cullen said 🎼Don’t worry bout a thing! 🎼

[@amberhorvath1010]

I love Ms. Katie. St. Joseph can be up side down and sideways. She is my Favorite ❤

[@teresawilson7630]

A business savings account is called retained earnings.

[@SunnyDeeDooLover]

What is y’all’s business?. So glad you two came back to “being down to earth”. Everything will be okay.

[@sarahrobichaud8465]

Thank you thank you thank you for being so real! ❤️

[@judyguadalupe]

Ohhh i feel you. I had a freelance client i worked and my first paycheck came in at like the 4 month mark. I was piiiised. Quit after 6 months.

[@michl3315]

Seriously this is my whole life, trying to figure out a workflow that gets people to actually PAY ME for my work. It is an endless battle. Working with bigger companies is worse than smaller entrepreneurs, which I didn't expect!

[@probablynot1368]

So, so true about getting paid by big companies. I knew an accountant at one of the larger companies, and they typically paid their vendors in 90 days!! Yes, 90 days. She often said, “Ninety days, same as cash!” Well, not for the small guys.

[@KimBerly-su7wx]

I loved the never before seen footage. Y’all were babies!!!! I enjoyed the video but I didn’t quite understand why you re showed some of yesterday’s footage. Madelyn was adorable.

[@karenberhow7483]

I am an evangelical Christian also. I am so happy to see that you were not critical or dismissive about people’s suggestion regarding their religious traditions (the St Joseph statue). I agree with you. There is nothing magical in the statue. It is just a tangible symbol of your faith.

[@tchrgurl03]

It is also considered an idol. Beware! The Bible says in Leviticus 26:1 (NIV) "Do not make idols or set up an image or a sacred stone for yourselves, and do not place a carved stone in your land to bow down before it. I am the LORD your God."

[@Swedetwin]

Most evangelical Christians would be critical of this Catholic practice. Your reaction was so refreshing & fun to hear.

[@julimontfort5693]

Karen Berhow Catholic here, you are right, we don’t believe in any powers inherent to statues/ rosaries/ Crucifixes. They are called sacramental, which are just tools to help us deepen our faith with Jesus Christ. The tradition of burying St. Joseph is not a church teaching but just a tradition by some people practicing the faith. I have heard of it as an ask for St. Joseph to intercede for God but have never heard anything about St. Joseph “getting unstuck”. 😂 I was cracking up. It can’t hurt but there’s no power to any of it. Much love to brothers and sisters in Christ ❤️

[@wonderingsanna]

Perhaps it´s good to have like 6 months of "paychecks" in a Company account. Imagine this… If something happens to Yputube or your relation w Yourtube, your challel aso… And zero money comes in from that part of your company. Start with one month of backup and when posible ad more when possible. I am selfemployed and I can tell you… Money in the company aka "future paychecks" (I don´t have this but I wiiiiish) makes sleeping easier and the belly to calm down ; ) Ofc I meen later on : ) when possible and in your way.

[@deniseperez9200]

Please feed Cullen.... so he doesn't have to chew his fingers. Poor guy!! 🦴💋🦷🧠

[@eSusan12]

I hope you charge interest for when you aren’t paid on time. Have you checked out your local small business association? They have great resources for local small businesses. Good luck your journey.

[@Lowkeybris]

Oh my goodness! Madelyn’s sweet little voice sounded so much like Gaines. Loved seeing puppy Aida!!!!

[@cj3565]

You are inspiring me to be more intentional with my money. Thanks!

[@getbacktothebarre-ambergen7399]

Love watching you guys. I Feel so validated. 🙌🏾 our goal for 2020 was “building reserves”. I have a w2 job, but my husband’s in real estate. I finally realized we needed a business savings or what I call reserves. I’d like it to be a year of his expenses. Real estate is even tougher where you can work for months and months and months and then if something happens at the last minute you don’t get paid. So definitely want to year of reserves.

[@shelbys2750]

I was wondering about the business stuff. I'm glad that you are starting a business savings I was going to mention before that it seems like you need to decide what your pay is and put any extra over what you pay yourself in a side business account incase stuff like this happens.

[@lisahysell9773]

Would love to see you guys and The Budget Mom, collab and do some you tube videos breaking down your budget and debt payoff... Wouldn't that be cool!

[@mayahansson7633]

I LOVE the throwback footage! Also Allie cat is so cute and crazy!!

[@thecleaningteacher638]

Oh that old footage was priceless!!

[@thatwiscomom]

Make a KZbin podcast series called Katie’s Kloset Chat😅 i would watch it!

[@tinabarrett546]

New channel - Katie in the Closet

[@dianakralovic486]

You've gotta read profit first! It's like the baby steps for business. Totally transformed my business and takes the guess work out of finances.

[@juststeph6940]

Please don’t buy that idol that what it is and the bible talks a lot about putting your trust is an idol. Pray like you never prayed before and rely on God no idol is going to help you. I know the feeling we felt trapped in a house for 3 years we had it on the market and when we finally sold it was the perfect timing and we had to move in two weeks. It happened fast when it happened.

[@spiraledbeing13]

Definitely interested in hearing about the business side of things! (After all, it's all related) And curious how that plays out in your journey as well.

[@Megan43210]

The end made me cry I’m so proud of you guys for making it through ❤️

[@LouiseDoesMusic]

Loved seeing how Katie records the podcast, love listening to the podcast can definitely relate to a lot of it :)

[@melanieaveryeasthope3980]

Dated a man who wore a Saint Christopher medal when he rode his motor bike. He lost it and I replaced it as a gift. He was delighted, but was puzzled because I’m not Catholic. I told him that if he was more comfortable riding with the Saints protection, that made more more comfortable as his passenger! You too are so young. She sounds like Gaines! Everything’s going to be alright.

[@awakenbegin3990]

I was reading the other comments and I think someone else asked for a video about how to get brand deals. Which made me think of this question: have you considered a breakdown of your business income? Like this much is from KZbin, this much is from post sponsorships, etc? I realize that's personal info you may not want to share but as an aspiring blogger for many years I know I would be super interested. My husband is an orthodontist and so that's our business so our business revenue is patient payments and insurance payments. I know the business is doing better but I also can assure you neither of us knows the numbers of how much is coming from which income source. It's so crazy how much there is to track as business owners and also you really don't have that guaranteed amount like a "regular" job (which I have). Anyway just thought I'd put it out there but i suspect you both already have content ideas up to your eyeballs 😘 but enjoying all that you produce!

[@leazak8503]

Make sure you look into hill and valley fund that Dave talks about. This goes with the irregular income budget.

[@Hallz18]

I just want you guys to know, I love you! P.S. LOVE the footage from 2008! You guys are such babies! ♥️ Aww ALLIE CAT!!

[@jasonparker5279]

Hi Colin and Katie don't forget when you cash a check it takes 5 to 7 days to clear unless it is bankers check .😎

[@Jen-Chapin]

I am a much smaller youtuber than you guys but I totally understand the struggle of missing payments from brands!

[@debbiegivens7205]

Oh boy! Y’all don’t need to bury anything I. Your yard. 😀 Trust God He is working !! 😀

[@mamakirk2]

Debbie Givens, I agree. Pray and trust God.

[@tabbytakesoverx]

Video version of the podcast? Yes please! The closet background just adds character !

[@SnapesPrincess4]

Oh snap, you guys were just babies in Jamaica!! So so so young!! Allie Kat is quite the jumper!! That was epic!! If you wanted to upload to KZbin, Katie, you could just upload the audio of your podcast with a cool background on the video or even just a picture of you with a podcast logo or something. That way you don't have to record video of yourself. I listen to a narrator of stories that does this. In fact now he just keeps the video screen on black bc lots of people listen while falling asleep. So it's a thought for you in case that was something you wanted to do. ☺☺

[@SuperDuperBrit]

That old footage was fun!

[@SharpLife4]

Your ads told me there is a tv show called tommy where the lady who is the cop was the same one that played Jackie in nurse Jackie. I miss that show.

[@tmvillageof6554]

The statue thing is crazy waist of money.to put trust in a statue. It happens to be one of the best aellers market right now for those saying that works

[@CeyaWeya]

Yes, please post your Katie on the flip side. Podcast on KZbin. I don't listen to podcast but I would definitely watch you even if you're in your closet, haha! Also, please tell us the definitive way to Place St. Joseph in our yard if we need to sell. I am not there yet, but it's nice to know the proper way.

[@loveandjoy810]

YNAB. (You Need A Budget) Dave Ramsey is great but he’s not the only one. YNAB is a good system too.

[@venessaesquer29]

I look forward to your videos on the daily

[@sandraklos7700]

You can buy at Saint Joseph kit usually the Hallmark store sells them

[@deborahlewis656]

That's only problem with you tube or comission...instead of business, cant count on unless its corporate