FINANCE Q&A | PAYING OFF DEBT | HOW TO SAVE MONEY

[@thearmstrongs]

You gave very good tips and I am sure you are helping lots of people. I just would like to tell your viewers how important it is to put extra money into your retirement funds at work. Overtime you will have a big chunk of money. I am a lot older than you...my husband and I are retired and we are living very comfortably using our retirement and savings. We even recently built a new house and paid cash for it. Saving is so worth it! Jackie from Indiana

[@mylouisianahome9751]

I wish my kids could watch this video. Hubby paid for all 3 to go to college, apartment, fraternity, and car all paid for by hubby. I wish they understood what a blessing it is to have that. You guys are amazing.

[@TilVacuumDoUsPart]

Honestly I’m glad my parents didn’t pay for mine. It made me buckle down, work hard, and learn how to be financially smart.

[@brendatate8986]

You 2 are very smart. I agree with y’all about Chase not quitting his job. I wouldn’t do that either. It seems to be (You Tube) unpredictable to totally depend on it. I know some channels spouses totally quit their jobs and do it full time. More power to them but it would definitely scare me. Have a wonderful day!

[@gcsmom9153]

I would love to see Chase and you do a video about buying a used car and saving for a car and what to look for when purchasing a used car....I LOVE these video you both are doing together...keep it up!!😁

[@ritakessler5936]

My husband and I just got out of debt and I’m 53 we are so happy that we did it God is good.

[@brandicampbell2627]

Thank you Chase and Ashley for being transparent. Finance is a subject that people are very private about. Your transparency is a positive way to help others find financial freedom.

[@TilVacuumDoUsPart]

Thank you so much. We enjoy talking about it.

[@kgittens1231]

I love how open you are. The ideas are great, sensible, and attainable. I also find when we meal plan, we spend less in groceries. Have a fantastic day!

[@TilVacuumDoUsPart]

Thank you so much! We appreciate you watching!

[@FloresitaDeDios]

I used to be bad with spending on things especially watching haul videos. So had to skip those when they come up and use will power and this year i have done so much better and first year on budget.

[@TilVacuumDoUsPart]

That’s very smart!

[@phyllispartonmarks8912]

I love these kinds of videos. We have paid off 2 small loans & 3 credit cards in the past 8 months...The more I pay off, the more it motivates me!

[@TilVacuumDoUsPart]

That is incredible!!! It feels so good to get out of debt.

[@kristymarie6065]

This is so helpful!! Love these videos. We always go grocery pickup once a week too. I don’t tan or do my nails or get my hair done, we live a kinda boring life right now but we are paying off stuff and I know it will be worth it later. I think people spend so much on unnecessary stuff.

[@TilVacuumDoUsPart]

It’s definitely worth it. Then after debt you can do it and not feel guilty about it.

[@NayeliP1222]

Because of your videos I have paid off $8000 of debt off all I have now is my car and house!!!

[@TilVacuumDoUsPart]

Wow!! That is awesome! Good for you!

[@RealOrganized]

There is some good stuff here. Thanks :) I really like your idea on shopping online. This month we shopped online all month and yes, the individual groceries do cost more. However, when we compared it to what we spent the same month last year, it came out to a 10 dollar difference. Only this year we have a baby more than we did last year (which means diapers, wipes and more). So we still spent less by buying online. We are actually working on a video right now on how being organized saves us money. Such an important topic! Thanks for a good video.

[@TilVacuumDoUsPart]

Yes! It definitely takes planning!

[@nevaeh2124]

Love the message here guys, kudos to you for using your platform to help people rather than just throwing another sponsorship up and calling it a day! You guys work very hard and are dedicated to your content and it shows! Love yall!!!

[@TilVacuumDoUsPart]

Thank you so much! We truly enjoying sharing our finance advice.

[@Lisa6812]

You have changed my life. I had DM you about clearing my debt and saving and I am still at a very good place with that. Thank you! Keep doing what your doing! This was great! xoxo

[@TilVacuumDoUsPart]

That is amazing and you did it not us!!😉🙌🏼💕

[@sarahlee8508]

Love your videos! Y'all are so motivating. We just paid off one of our credit card and I am so excited for the next one to be paid off. Baby steps, it will get done. Trying not to overwhelm ourselves but would love to throw everything at debt.

[@TilVacuumDoUsPart]

It’s starts to become fun as you cross debt off the list!

[@kaylajones358]

As for the home buying; For me, I had a VA loan, so I didn’t need money down, so I bought while in debt. But it was so much cheaper to buy then rent where I am.

[@rosesareredhome4184]

This is really timely. My plan is to retire early in two years, so I'm focusing on paying off credit card debt. I'm fortunate because my husband pays the mortgage and larger bills and we have a tenant which offsets smaller household bills/emergency fund. It's good to hear questions people have because it shows that lots of people give this subject thought but don't always know how to go about a solution. One tip I'm following is pay off my smaller balances, then use that money towards larger balances. This is a good way to feel accomplished and motivates to keep going.

[@nannyforreal]

Just found you and binge watching.... I am debt free (just home) but so helpful videos. I am older and learning so much. Keep going ... Love your sweet family. I am married but wasn't blessed with children and always wanted to be a stay at home mommy. So I am a Nanny for the last 20 years... Next best thing..God is Good.

[@TilVacuumDoUsPart]

Awe! Thank you so much! I was a nanny for a long time too.

[@doubleedgedwords6519]

Your finance videos are some of my favorites because you are so much like my husband and me! The main difference is we do use a credit card as an income stream. It’s a card that pays cash back on every purchase, so we use it for everything we can, gas, groceries, utilities, everything! Then we have it auto-paid in full out of checking every single month so the cash back is meaningful and we never pay interest. That check is fun to get and gets treated like any paycheck! I started my own KZbin channel just today, so I’ll have to figure out how to get everything unsubscribed and subscribed under my channel name so I can comment as my new self and give my new channel a little boost. This is thanks to you! I have watched you about a year, and I’ve felt more and more called to do it. My topics will be somewhat, okay quite a LOT different, from yours, but hopefully there are people in the world that will find it helpful and be blessed by it in some way. I’m trying not to stare and see if I have followers. I remember you saying you drove yourself bananas at the beginning doing things like that. I asked my hubby to please subscribe to see what happens, like if I get notified or anything (probably not). Okay, I might be obsessing a LITTLE bit. Lol! Anyway, thanks for all the little tips along the way, and this was a great video! 👍

[@colleenreimer]

Love how real you guys are. Where chase hasn’t always brought home a lot of money. Very inspiring.

[@TilVacuumDoUsPart]

Thank you so much for watching.

[@kaedawnearl]

I love your finance videos!! You two are so motivating and make me plan how I can do better! Thanks

[@TilVacuumDoUsPart]

Thank you so much!

[@briannaf2648]

Perfect timing. We are selling our Jeep today so that will save us $600+ insurance and we just paid off our new washer and dryer. We’re so excited to save an extra grand almost a month😊 ahhh, it feels so good!! Getting closer to our goal. Also, we have been following Dave Ramsey for years and love his plan.

[@TilVacuumDoUsPart]

That is awesome! Who doesn’t want an extra $1,000 a month!

[@jules1011]

I really enjoy this informative videos, we’ve been able to get out of credit card prison and it’s truly rewarding both physically and mentally. I hope those that are working on this life change the absolute best and blessings for strength! PS. I’m in love with the painted island, it’s gorgeous 💖

[@TilVacuumDoUsPart]

That is awesome!! No more bondage.

[@sweethumblehome7789]

oh my word! I've found my kind of people! Sometimes it can be so disheartening when other people around you don't 'get it'. I laughed so many times throughout this video! I'm a firm believer that the struggles and/or hard work of our past only prepares us and allows us to be grateful and appreciative of the abundance in our present and future. It's like that saying of gratitude "I remember praying for the things I have today."

[@TilVacuumDoUsPart]

Awe!! Thank you so much. We are glad you enjoyed it!

[@homemakesmehappy]

lol Chase looked so happy at the start of this video! We're a debt free family as well. I love to hear others living a debt free life with how much society pushes "debt if you qualify" mentality and norms. We use our credit card as a debit card to build credit. It's paid off immediately. 😊💕🌸 The best way I've learned to save money on groceries is to take inventory of my pantry, freezer, and fridge before making a shopping list. You would be amazed.

[@TilVacuumDoUsPart]

Yes. That’s why we order online we can check out cabinets as we order. 🙌🏼😉

[@kendrahendon5846]

I’m only 23 & my husbands name is Chase, too. We live solely off his income so I genuinely look forward to these videos!! We’re young & I love seeing GOOD content to help us stay out of debt! No debt, no credit cards, no student loans, but also no credit history! Lol

[@TilVacuumDoUsPart]

Yes! Stay that way.

[@kavithav9977]

Wow you covered almost all matters of finance. It was very helpful. I better start implementing. I f I sell stuff that I am no longer using I can pay off a hefty portion of my debt. I have been talking about it but just not doing it. This weekend I am gonna start listing. Thanks. love you guys.

[@TilVacuumDoUsPart]

Do it! 😉🙌🏼😂

[@BrendaLopez-px5kw]

This video couldn’t come at a more perfect time! So many of our family are upgrading right now to bigger and newer houses and they are pressuring us to buy again. Your right about dreaming. I have to remind us (my hubby and I) that our dream is to be completely out of debt by the time we are 40. And if we keep on track that goal will be a reality. Our house may not be big or fancy by any means, but as a small family of 3, we don’t need anything bigger. Thanks for the reminder! “Dream of what life will be like after debt”

[@TilVacuumDoUsPart]

Yes. Figure out your dreams not theirs! 😉

[@AndreaJean]

You are so sweet! I just found your channel. We also did Dave Ramsey and live debt free. Haven’t looked back since 😊 I am looking forward to more videos from you.

[@TilVacuumDoUsPart]

He changes your life!

[@MsPants1632]

I totally agree. I always spend less doing Walmart grocery pick up because if I see a new product, new flavored product in store I would HAVE to try it. Staying out of the store and away from impulse temptations is KEY!!! Also when I used to shop at our local grocery store they had a Starbucks in store.... THAT IS DANGEROUS! I’d feel like, yeah I’ll treat myself while I shop. $5 + on coffee each trip.. 😯 Great tips guys. It took us longer (than you youngsters;) to figure this stuff out but once you see it, you can’t unsee it!

[@TilVacuumDoUsPart]

Very true! You can’t unsee it!! 🙌🏼❤️

[@FloresitaDeDios]

Oh yea thankyou for one of your videos when Chase said just because you been with insurance for so long don't feel you have to stay with them and after over 15 years with the same insurance we changed to a cheaper one saving us like 60bucks and that helps a bunch especially with me being disabled. It had to come out directly from bank which i don't like but i make sure it is there.

[@TilVacuumDoUsPart]

You are very welcome.

[@gpg8204]

My hubby and I grow up poor so poor but We worked our way up, this year We are going to buy our second rental apartment😊.

[@TilVacuumDoUsPart]

That is awesome!

[@LTM8689]

We are in Atlanta, Ga. and I shop at Kroger. I use their pick up service too and they do take coupons!

[@tinawest2405]

We do couponing and have a stock pile started in basement. It satisfying to know, that if I need shampoo it’s right downstairs and it was close to free. I think it harder to budget when there are several kids to care for in the mix even on 2 incomes. We don’t smoke although my husband will not give up his coffee on the way into work. It’s his’ thing. Yard sale sites on fb are a great way to shop aside from thrift shops. Big lots has good deals on some things. Tj maxx carries high end makeup and brand names for cheap. Some stores are going out of business so, good time to hit them. Payless, Charlotte Russe, Sears, and many more... Hit the clearance racks 1st... a bunch of good tips here...

[@TilVacuumDoUsPart]

We used to coupon too! 😉

[@debrahaney2743]

Also look into instacart app with your local stores. Midwest/STL now offers local delivery via Instacart. Bonus they have moved their coupons to digital on app attached to your cell number. So it allows you use manufacture coupons, etc. If you plan your breakfast lunch and dinners for the week with snacks you can even get your bill lower with the sales.

[@TilVacuumDoUsPart]

With out Walmart grocery pickup you can’t use coupons. They do offer delivery but we live too far out! 😉

[@family-peace-love]

Thanks for sharing your knowledge. I love the envelope system too. We use it for fuel, general spend money and things like occasions , nornally also a category for food but we have to shop online right now as the car will be getting fixed soon.

[@MommaFromScratch]

You all are helping so many people! Love that you do them together! I'd love to know what you'd like to do after the house is pay'd off?

[@TilVacuumDoUsPart]

Thank you so much! 😘 Retire chase early and get a vacation home to share with our friends and family! 🙌🏼😍

[@GettingMyLifeTogetherAt50]

Thank you Ashley & Chase for your monthly Q&A! It’s always so rewarding and you two always give us Great information. We really do appreciate you two! Y’all are just Awesome 🤩

[@TilVacuumDoUsPart]

Awe!! Thank you so much!

[@hleigh3968]

Thanks for these videos!! You and your husband are so inspiring!! Beautiful family!

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@nikketh]

Thanks for answering my question about the grocery cash/pickup conundrum. Very cool that you answer comments AND do Q & A vids. Love your channel

[@TilVacuumDoUsPart]

Absolutely! We love getting to help.

[@FloresitaDeDios]

Great video/tips. I am disabled without the gov check or any so I do the side hussle to help with bills and suprising sometimes I make more then the hubby.

[@TilVacuumDoUsPart]

That’s awesome! Great job.

[@comfortofmyhome46]

I'm so happy to hear Chase isn't quitting his job! You are right it can disappear out of nowhere. KZbin is scary, its not like a regular job where you can contact Human Resources. You both are so smart! Of course it would be nice to have him home, but probably not worth the risk. Another great finance video!

[@TilVacuumDoUsPart]

It’s definitely our goal but we aren’t there yet.

[@natalieweber5958]

My question made it ❤️ I absolutely love you and your channel, you have that perfect mix of cleaning and life.

[@TilVacuumDoUsPart]

Awe! Thank you!

[@lynnmitchell2704]

I love the part where Chase will keep working to maintain. I have actually started using some of the technique from the last Financial Q&A. IT IS WORKING. I have a couple more credit cards to pay off. (have 6 + mortgage) Hubby will keep working also. It feels so good. THANKS

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@chantalmorgan5638]

Awesome video you guys!!!! I'm a fellow baby stepper on BBS2 can't wait to venture in to BBS3. Great work!

[@TilVacuumDoUsPart]

Thank you and good luck with your journey.

[@mayarigby6366]

We started Dave Ramsey back in July last year after you and Chase had spoken about it and have paid off 3 larger credit card payments and almost done with a small loan we had to take out to replace our AC/heater. We still have the 2 cars and 2 student loans and I cannot wait to know what it feels like to be out of debt! Love these videos, you guys are so motivating. I really appreciate you talking about this topic to help us.

[@TilVacuumDoUsPart]

It’s going to be so worth it!! 💕🙌🏼

[@susanvelez6534]

The island is BEAUTIFUL!!!!!! I love it

[@TilVacuumDoUsPart]

Thank you so much!

[@LifeWithTheGreens]

This was very inspiring! Really enjoyed it.

[@TilVacuumDoUsPart]

Thank you!

[@nikki-xc9kh]

Omg I love how you two are so open with your life. This is really helpful! Thank you for all of your tips and tricks. Love your channel!

[@TilVacuumDoUsPart]

Absolutely l! We hope it helps!

[@yessicaalvarez651]

You really gave me good ideas thank u love ur video 😉☺️

[@TilVacuumDoUsPart]

Thank you for watching!

[@mayracordero5015]

Awesome video, thank you so much for taking your time to film it, you’re such an inspiration to my family, we’re not doing the DR plan but I started my own saving plan by making chances in my life and watching you has kept me going 😉

[@TilVacuumDoUsPart]

That’s awesome! Good for you!

[@wendelinharrison9571]

The grocery pickup has been such a blessing for me! I was a big impulse shopper...so wasteful! Also, as the grocery item cost is listed, it’s easy to see when to stop!! 😄♥️🐾

[@TilVacuumDoUsPart]

I completely agree!

[@ericamathison4906]

Thanks for all the great tips! It puts things into perspective and is a good reminder of how important it is to save money and pay off that debt!

[@TilVacuumDoUsPart]

Yes! It will change your life!

[@_KimberlyHalle]

I love these videos.

[@terrilewis9912]

I have a question. How would you pay off credit card debt if you had more than one? Would you start off with paying off the highest interest rate or lowest and how much would you pay? I loved your video! Thanks for sharing!

[@TilVacuumDoUsPart]

Don’t worry about interest rates! Start with the card with the smallest amount on it. Go from smallest debt to largest. It will help keep you motivated that way. 😉

[@sarahhatcher7283]

Y’all are so financially savvy! Working in the financial industry for some time now y’all hit the nail on the head! I will say though, having open credit does help your credit a lot. We have a thing called a thin file where if you haven’t had established credit in years or you’re a first time buyer, you’re kinda limited on financing. There are options now a days though! Keep up the good work! It’s definitely peace of mind knowing you’re not drowning in debt especially credit card debt! I say too, if you’re serious about paying off debt but can’t afford to pay it off and have a high interest rate, it’s good to consolidate all you’re credit cards into a personal loan with a low fixed rate and payment. It really helps! Credit cards are evil lol they can really help establish credit but if you’re not careful, companies will get you suckered into getting one for each store you shop at. DO NOT DO THAT LOL keep atleast one credit card for certain purposes and really do your research on who you open a credit card with! Credit card companies have the highest rates and you maybe having 0% at first but if you keep using it, the interest rate will eventually be sky high and will sky rocket your monthly payment. Be careful!

[@TilVacuumDoUsPart]

Thank you so much! I appreciate you watching!

[@norasanchez3721]

If only you all had a H-E-B near by! They allow coupons on online orders! Great video!

[@TilVacuumDoUsPart]

That would be nice!

[@joannamarticio9002]

Absolutely love this video. I personally have learned so much from the both of you. We do grocery pick up, you save so much money. We just switched our coffee Pods to the no name brand, and it tastes the same. Planning is the key. And working together on your Goals. 🌿

[@TilVacuumDoUsPart]

Love it!! Thank you so much!

[@chellrockk5646]

Always look forward to these finance videos from you two! Thanks for sharing! Xoxo

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@mahealanilyons1489]

Thanks for sharing....love this. I’m a huge Dave Ramsey nerd too!!! Can’t wait for your next video...

[@TilVacuumDoUsPart]

Ha ha we love him!

[@laurah6381]

It's so refreshing to see young people living on a budget! I say young, because I'm in my late 50's..lol I used the envelope system before it was even a thing. 😀 and I'm a lot like Chase in that it's hard for me to spend money on myself, even though we are debt free. Thanks for sharing!! 💕

[@TilVacuumDoUsPart]

Thank you so much! It’s definitely made our lives less stressful!

[@yolandam5359]

Great advice as always y'all. Thanks for keeping it real & helping others

[@TilVacuumDoUsPart]

Thanks for watching us! 😉🙌🏼😘

[@suehenderson2598]

You guys are so great at these finance videos, I love them, so grounded, sensible, back to basics kind of attitude towards finances. Oh and love your humour lol

[@TilVacuumDoUsPart]

We are so glad you enjoy them! 😂🙌🏼

[@tinabarrett546]

Going to try Walmart pick up - agree totally about saving money staying out of the grocery store.

[@TilVacuumDoUsPart]

Yes! It really does help!

[@mrsgloglo99]

Love these videos! Always learn at least one tip!

[@TilVacuumDoUsPart]

That’s awesome. We love to hear it.

[@LisaMarie-gx5ku]

Love this ❤️ You guys are awesome! So knowledgeable about finances 👍🏻😉

[@TilVacuumDoUsPart]

Thank you so much!

[@lauraasinger]

I don't think the walmart grocery pickup charges more. But instacart does. I hear Aldi will be doing curbside pickup soon. That. Would. Be. Huge.

[@TilVacuumDoUsPart]

That would be awesome.

[@lovelovelove4437]

❤️ The video, Beautiful Family 🥳Thanks‼️ Blessings 🕊✨

[@TilVacuumDoUsPart]

Thank you so much!

[@sinclairvallee]

I just love you guys, great video great motivation

[@TilVacuumDoUsPart]

Thank you so much!

[@CHikiS20H9]

New goals for April I love these videos. Thanks to both of you😘

[@TilVacuumDoUsPart]

Thanks for watching!

[@mamacloke]

Awesome info! ...Murphy’s Law is what Dave calls or when you get hit with a bill and don’t have savings.

[@TilVacuumDoUsPart]

Yes! Thank you! 😂😉🙌🏼

[@yeniferguzman8665]

Love these finance videos Huge inspiration to keep going❤️

[@TilVacuumDoUsPart]

We are happy to do so!

[@LillyandThings]

Love these videos 💕 very inspiring! Thanks for sharing w us these amazing and helpful tips!

[@TilVacuumDoUsPart]

I hope they help!

[@rhasfreeman6231]

I ❤️ Tiger and I’m not even “animaly.” When you picked him up he looked like, “Hey y’all, what are we talking about?” 😂😂😂😂

[@TilVacuumDoUsPart]

Awe!! ☺️

[@Iamhome365]

Good advice on the way, looking forward to watching 😊

[@TilVacuumDoUsPart]

Thank you so much!

[@nataliewilliams2005]

You 2 are awesome! ❤️

[@TilVacuumDoUsPart]

So are you! 😘

[@ashleemiller5095]

Love these types of videos!!!

[@TilVacuumDoUsPart]

Thank you for watching!

[@SweetGinRickey]

Thanks for finance vid -- they are my faves.

[@TilVacuumDoUsPart]

We are glad you like them!

[@kimshumate2313]

Thank you 2 so much you have been a huge inspiration 😀❤❤

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@vickie7319]

Pepsi is my bad habit as well 😊 love these finance videos. Thanks.

[@TilVacuumDoUsPart]

😉😂🙌🏼

[@neuzachiong6077]

You guys are great love your input 🌺

[@TilVacuumDoUsPart]

Thank you so much!

[@marissah1151]

Thank you for so much amazing video!

[@TilVacuumDoUsPart]

Thank you so much for watching.

[@katiebarber2928]

Thanks for always sharing your knowledge and financial advice! 💞 I watched your very first financial video and have been using the envelope system since then! It has been a great tool for saving money and staying on track

[@TilVacuumDoUsPart]

Thank you we for watching. We enjoy sharing it with you!

[@OrganizingwithSigrid]

Thank You Guys for this! I really appreciate it💕

[@TilVacuumDoUsPart]

We appreciate you watching!

[@kathypetrowskiwilliams8310]

Thank you both, y’all are so encouraging!!!😁

[@gwenprewitt]

Very good video! Love these! By the way, what does Chase do? I remember you saying he works at a bank.

[@TilVacuumDoUsPart]

Thank you. He is an analyst for a bank.

[@malissavalenzuela6443]

Do you suggest a specific dave Ramsey book of books? I am wanting to get serious and like digging deep into it but there is a lot out there. I am thinking the 12 step

[@TilVacuumDoUsPart]

They are all great. We enjoy the totally money makeover. He has a whole course you can take. A lot of churches offer it for free.

[@MissToMrsLife]

The perfect video!!!!! Yes!!!! I’m so excited!

[@TilVacuumDoUsPart]

Thank you so much for watching!

[@thespongepuppy]

I love using my starbucks gift cards. It is such a treat.

[@TilVacuumDoUsPart]

He loves them!

[@AnaMartinez-bu8xu]

Thank you so much for all this info,.it is extremely helpful,.💗

[@TilVacuumDoUsPart]

I’m glad you thought so. Thanks for watching?l!

[@geavandernagel4096]

🌷🌷🌷 I am listening to learn English and I love your video's, thanks.

[@TilVacuumDoUsPart]

That is awesome!!

[@hotchocolate1]

This was a good video, thank you.

[@TilVacuumDoUsPart]

Thank you for watching!

[@TilVacuumDoUsPart]

Thank you for watching!

[@cocoshawnelle2451]

Wow such amazing tips!!

[@TilVacuumDoUsPart]

Thank you!

[@kimscooterjamieson]

You guys are awesome. This helps so many people. Those who need to start better money management and those in the process. Gives us great motivation. We are on the track and can’t wait to be debt FREE. Thanks for sharing. Much love from my channel Kim Jamieson 💜

[@TilVacuumDoUsPart]

It’s a great feeling!! 😉🙌🏼

[@rhondaoakley804]

Glad to know hubby and I are not the only boring people.. lol. We use the Dave Ramsey "Everydollar" app to do our budget. It's been a game changer in our finances. We do cash envelopes for Groceries, Eating out, Pocket money and Entertainment/giving. We tithe to our church and I now have cash for those pop ups at church when the youth or other fund raisers are going on. In the pass it would have put us on the spot for the week, but with the budget I know what we have set aside for extra giving and it is such a blessing to be able to do this now with peace. We also do sinking funds, but not cash envelopes for this. I transfer the money each month into a MM account We have 6 sinking funds. Property taxes, House Ins, Auto(we need a new car), Household repairs, Vacation and Christmas. These are the things that will happen always. No we don't always go on vacations, but we do day trip at times and the money helps! OH and we always put money in savings. I could go on here about how important this is. It's going to rain, as Dave would say. Love your channel!

[@TilVacuumDoUsPart]

You definitely know your stuff! 😉🙌🏼😍

[@GlimmerOfCrystal]

Thanks as always! ❤️

[@Cinderella92824]

Thank you for this video love you guys♥️

[@TilVacuumDoUsPart]

Thanks for watching!

[@MMyers-mh4jq]

Thank you we are on our way to our debt free journey ourselves!!! We only use cash for a few thing😁

[@TilVacuumDoUsPart]

Good luck with your journey!

[@cin_d3379]

This is very inspiring and helpful. Thanks for sharing. I will be trying the online grocery shopping. I feel it would help to save money because I usually buy more things than what's written on my list when I buy at the store. Do you buy online for things you need for your home, for example toilet paper, paper towels etc and do you have a separate budget for that??

[@TilVacuumDoUsPart]

We buy all those paper products with our groceries. 😉

[@TheImperfectReader]

There is an atm outside our grocery so I have deposited before.

[@TilVacuumDoUsPart]

That’s nice and convenient!! 🙌🏼