How I Live Completely DEBT FREE

[@LifeasBekah]

My husband and I just paid off all of our credit card debt!!! It’s so freeing!!!

[@thatpracticalmom]

congrats!! it's the best best best feeling!

[@maren807]

Congratulations! That is fabulous!

[@bec3993]

Yayssss

[@adrianaleal4233]

Could you share how you did it? Need to pay off mine and looking for advise

[@jesusgutierrez9705]

Congrats ! 🎈

[@OhItsReo]

Living below your means is the biggest thing!

[@KatieGarrity1]

Please make a video on HOW you and your husband became debt free!!

[@Meow116]

Love this. Saving is absolutely addicting. Once you start in earnest and see some success... yes, hooked. I still pay for everything with a credit card though, no cash. For me, there is no downside if paid in full monthly. That's just personal preference. Great video.

[@adams5507]

UR A FOOL SRRY

[@jsands3983]

@@adams5507 Where did that come from? That wasn't very nice.

[@LovelyFlyShy]

I need to get like you!!!!!

[@pearllamborn690]

I do the same thing! I use a credit card that I earn cash back on. I pay it off every month but still earn the cash back!

[@maren807]

This is a great way to get nice point perks. It only works for people like you who have the discipline to not over spend and pay off the card in full every month. I do a version of this too.

[@baileyym5251]

"live below your means" GAME CHANGER

[@nelehsims7957]

Hi Kallie, I love your vlogs on saving money. I started a budget at 17 and I have been on one ever since. I feel like I’ve only started to learn the value of my budgeting as an adult when I look at the people around us. I find it so interesting that our parents never thought to teach us the value of money... none of them. Most of the people I work with don’t have a budget and have never done one. I remember as a teen that one day I will be able to have money to buy whatever I wanted. The funny thing was at the time I was just thinking in the context of grocery shopping not clothes or shoes, just groceries! One tip I have implemented for us is shopping for the specials. I put an amount aside every week that I spend on just buying specials like washing powder. Or local store sells our washing power for half price every 4-6 months so I buy enough to last that time. Also we are trying for a family at the moment and I’ve worked out what we could buy now on special to cover us while I’m on maternity leave which is a double win as I’ll buy it on sale and I won’t need to purchase these things while I’m not working. The things that I will be purchasing include: toilet paper, washing power, body wash (as this is expensive for us), garbage bags, etc. Although some of this things aren’t expensive alone it’s one less thing we’ll need to buy and will take the pressure off the budget. Also I’ve been putting money aside to save for store cards and when I get to $200 I buy a voucher. This comes out of our budget now, these can be used for groceries or fuel for the car. Buying a large voucher means that I don’t have a lot of $20 vouchers in my wallet and feel a bit poor for using them in one shop. Here in Australia these vouchers no longer expire so I could unused them over a couple years while on maternity leave and I can’t spent this money on something else in between. It’s kind of addictive in a good way as I can see how much this will all help us. I’m so pleased that you’ve been able to get our of debt, it’s such a big challenge to do but so worth it. Sharing your experiences to help others is such a nice thing to do. xxx Having a partner that’s on board with the budget is also an essential requirement too.

[@hatchmando4918]

I love living below my means and having money in the bank. It makes me sleep soooo good at night. LOL I do things like shop at thrift stores, buy used and save the difference, shop on Facebook marketplace etc. I really buy anything new these days. I just find things are so overpriced. Of course I have the money to go and buy all designer things and new items, but when you choose not to it’s freeing. I also would consider myself very trendy, have a beautiful home and people complement how well decorated it is. However I have furnished it and bought most things for it through thrift stores and yard sales and flea markets and such. I love to find a piece and fix it up myself. Also with a little creativity a used piece can be updated and made like new again in no time. Perhaps it just needs a fresh coat of paint or new handles or hardware. I can’t tell you how much money I save by buying almost everything used!

[@theproductivemommy8169]

See, both me and my husband are savers and we don't buy too much, but I still struggle with setting up a budget. Utilities are always different from month to month, and then small hoursehold things are always different amounts too. We are not in debt (except for the mortgage) but I still would LOVE to be able in more control of how we spend. Definitely will check out your budgeting video

[@hatchmando4918]

The Productive Mommy many utility companies will do balanced budget where they evaluate what you spent over the last six months to a year and come up with an equal payment plan for 11 months out of the 12. On the 12th month you may owe them money or they may owe you money. It depends how it works with your company but it’s worth calling to ask them if they do it.

[@maren807]

@@hatchmando4918 yes, this is how I am able to budget my utilities too!

[@maren807]

There is s free app called every dollar. It's through Dave Ramsey. Look him up, he's really great! I use the app 😊

[@theproductivemommy8169]

@@hatchmando4918 Oh, wow, I didnt know that's an option! Thank you!

[@hatchmando4918]

The Productive Mommy i hope your company does it, but most do. Good luck!!

[@omertahircelik]

YAYY!!! It's great feeling to be free!!! Congrats!!!

[@TheNinnyBug]

Great video!! The only reason I use a CC for everything is for the points. Every time I think of using cash only I feel like I'm throwing money away because at the end of the month I get an account credit - which usually equals a tank of gas. I'm sure that's a drop in the bucket for most people, but it's really helpful for me. I always pay it off at the end of the month though, without fail. If I couldn't do that then I would definitely stick to cash only. 😊

[@MAJORCHANGEGROUP]

Annie Iverson that is true! I just got a southwest card so I can get the points. Hoping to get some free flights this year.

[@MadelineKing]

okay 1. you and baby are so cute! i'm 22 and trying to learn more about budgeting, finances ect and your videos are very very helpful! informative + you have great energy. subbed! XO

[@susantaylor1359]

You have become my go to for motivation, learning to understand my world and finally learning to budget. Thank you. Take care

[@jfr7160]

Always a worthwhile influencer to watch... and of course seeing Miles!!!

[@bevmoore2869]

You & your husband must have a very substantial income to pay off that debt in one year.

[@marybeth3382]

I worked since I was 16 and I’m about to graduate debt free from a community college with an awesome job in the medical field. I watched the Dave Ramsey stuff in high school too. I plan on spending my money the same way by saving it and tithing it to the Lord.

[@kimjong-un5562]

Save 471 a week untill ur 30 in mutal funds , u will thank me later

[@hellion_9032]

We are working on becoming debt free now. We lived so far above our means for years and it caught up. It’s so scary to do that and I never want to do it again. We’ve paid off a nice small chunk so far and it’s sooo freeing! I can’t wait until it’s all gone!

[@melindawilson1414]

Great advice! I commend you for being debt free at such a young age. One thing I learned to do, was to write down any credit card charges in my check register and "subtract as I go" so there is no "surprise" at the end of the month. My DIL taught me that.

[@judymitchell27]

Great advice! I learned it a long time, but it’s still good to live by.

[@RachaelSchup]

This is my current situation. We are 70K in debt - we are both employed, have good jobs...but took on TWO car payments and have a house repair MUST (our family room is separating from the rest of our home). The thing is - we already practice a lot of your suggestions, meal plan, budget etc... BUT we have slipped into a lot of online shopping and eating out splurges. I'm totally watching everything I can to get myself BACK in the mindset of - SAVE, pay off debt, cash is king... phew it's rough with the holidays approaching!

[@Mademoiselleaimelest]

💞💞Great video. Always a pleasure to watch your videos! Keep it up. 💞

[@womanofacertainage5892]

As a single mom, at least I don't feel so badly about my debt when I see videos like this. Happy for those who have two income households though! :) . Tough to impossible to get out and stay out of debt on one lower income.

[@ZilentZombie]

Yeah -she definitely skimmed over the #1 way to pay off 70K of debt in a year -bringing in income to do so. Her other tips help, but let's be real; if you have 50,000 of debt and only make 25,000 a year you aren't paying it off for a while unless you bring in more income.

[@amyzinger4693]

Once you’re comfortable with the discipline of paying with cash, I’d recommend finding a points credit card and paying it off several times a month. In addition to points, using a card can allow you to dispute a charge if something goes wrong with a purchase, extend some warranties, etc. I feel like credit cards are unnecessarily demonized in budgeting communities and I don’t really understand why.

[@collegedreamer2949]

Reminds me of The Dave Ramsey Show on KZbin. Love it!

[@gladyswallace997]

Great tips and points for saving and living beneath your means. I am getting to the point that I enjoy saving but find I want to splurge once in a while. My current thing is deciding what to do for our 15th Wedding Anniversary that isn't off the wall crazy being we are living more comfortably than we were before.

[@MAJORCHANGEGROUP]

Congrats! Creating a plan is very important and a budget is the way to do it.

[@jesusgutierrez9705]

Thank you , 19 k left will update when debt free .

[@notbeingsarcastic5947]

Following minimalist people on Instagram and social media really helps me. Also the you tubers that de-clutter can inspire you to save money and live with less.

[@peterjna12]

You need Balenciaga.

[@alexandra109]

Great video. The only thing I disagree is for me Cash is NOT king. If I spend cash, I don’t know where the $$ has gone. For me I put almost everything on credit cards, but am very careful about how I spend. Then I use an app to track where my $ has gone. Personally I like the Mint app. So I think you need to know yourself and make the best decision with cash for you. For me that is using CC, but paying them off every month.

[@baileyym5251]

YES. it's just an extra step to have to record where the cash goes

[@smallkitten769]

I write down the money amount on a envelope or notebook and write down the date and time like a check book.

[@smallkitten769]

Also works if I ever go missing people will know where I last went because of my irrational thinking

[@alexandra109]

Small Kitten I tried that, but honestly I just wasn’t very good at it. I would keep track of about 75% of it, but 25% of it... just GONE.... So now I keep a very small amount of cash that I budget for, but everything else is on CC and I love the Mint app. I pay off all CC every month so the only debt I have is my mortgage.

[@MAJORCHANGEGROUP]

I like to use the cc so I can get the points. Just have to pay it off or it is not worth it.

[@audreykuczka4081]

Did you follow Dame Ramsey? I hear a ton of similarities here!

[@theknittinglife2965]

I just commented on one of your other videos wondering about a budgeting series…I guess I found it here! Haha. Sorry about that!

[@kristiriley]

This video was so well put together! You did such a great job Kallie! My husband & I are not in debt thankfully, however we do need to find a good budget to follow, I feel like we get on a good path sometimes & then idk what happens. He has a job where he gets 40 hrs a week every week, it's full time, year round, where mine is a roller coaster, so it's kinda hard to budget around it. Ahhh! Idk what to do! Sending all my love from Florida! #ButFirstCoffee ☕

[@clairedubiel6226]

I use credit cards for everything if I can because they are more secure and I can accumulate rewards by using one credit card for restaurants, another from grocery stores/gas stations etc. It also works well to stack on top of other savings methods like Ebates and couponing. I only have 2 at the moment, stay within 20% of my credit limit, and pay them off in full each month. I think so long as you don’t feel tempted to buy something because you’ll get a measly 1-5% back on your statement, using credit cards whenever you can is fine.

[@LACSIM1978]

Cash was king... thanks to the pandemic lots of stores at least in my area want cards or either exact change only 😭. In that case perhaps putting cash in separate gft cards or debit account

[@workthentravel]

I love the idea of buying big purchases using cash.

[@juliannavaldes3818]

We’re doing Dave Ramsey’s 7 steps, we should be debt free by next year! It’s really doable on any budget if you can stick to it you can pay off debt.

[@CyndiLH]

Keep in mind there's good debt and bad debt...if you have debt that someone else is paying off (e.g. rental property)...that's good debt (of course it should cash flow)

[@MissBELLE003]

I am guilty about spending money on things I don’t need!

[@glitterncoffee9824]

I was on my way to debt free. Unfortunately the government nailed me at tax time. Guess they found the 2 nickles under my mattress? But I will definitely look at your guides for help/ ideas. Thank you!!!

[@thatpracticalmom]

haha yea they always get me at tax time too! I always have extra put away for when tax time comes!

[@MissNaturalShay]

Great tips and your baby is adorable!

[@jenniferem651]

Love this 🙌🏻

[@nihu1622]

Normally I really like Callie’s videos, so I hate hate I’m about to write. According to the summary as of today for this video, her family managed to pay off about 85% percent of a $70k Debt in 9 months, which is almost $60k. In order for the math to add up, this means her family has 6.5 THOUSAND dollars of disposable income per month. You do the math.

[@amalzuhair4495]

Ni Hu well she did say they tried to live on her husband’s income and half of hers and 6 thousand dollars can be half her income it isn’t that hard to think of

[@nihu1622]

amal zuhair so her monthly income is $12k? Dayyyyyum. That’s all I’m saying.

[@rachelvaughan9417]

There are other ways to make money not related to your salary or income. Trading in your car for an older model, selling unused items online or at consignment stores, investing in stock, downsizing your home, renting out an extra room in your house, etc. trading in your car could get you a few thousand dollars depending on the model.

[@manuelmolina5368]

Wow... Great video thanks Kallie. ☺️👍👍

[@maryalantice4286]

Love this! You’re right about getting addicted to saving. January 1st I overhauled my budget and savings plan and I’m amazed at how much extra money I’ve saved just from cutting small things like manicures, fast food, and unnecessary clothes! I love watching my savings account grow much more than having a fresh coat of paint on my nails! Thanks for all your tips!!!

[@thatpracticalmom]

that's awesome!! nice work!

[@maren807]

This is such a important video! Thank you!

[@janetsorianoakaorchidluv8811]

Thank you for sharing this video & how you both made it a success! I've got to pass this on to important people in my life! Great video! tfs! : )

[@Pooterchu5269]

As soon as I'm out of school this is going to be my new life. I'll have about 40,000$ in school loans to get rid of 🤘😂

[@OhItsReo]

Same!

[@Pooterchu5269]

@@OhItsReo nursing school ain't even a joke!! 😂

[@samanthab3292]

Yep I graduated 7 years ago still paying. But it's under 10k now! 🎉

[@Pooterchu5269]

@@samanthab3292 WOOHOO!! I say at that milestone it's time for a little party of one and a bottle of wine lol

[@samanthaendsley3889]

Loved this video!

[@MissBELLE003]

You should do shopkick s and checkpoints and receipt hog on your iPhone are Samsung phone you can make extra money on your cell phone!

[@Digmer]

i love using cash cause it hurts so much when using it.

[@TheWeeksNest]

great video!!

[@willeyshacorchadocruz9750]

Where is the Schrute Farms Beets sticker from?! 😭🙌🏽 lol

[@marieschrader9150]

Amazon?

[@user-cl6uj5bn2f]

One thing you overlooked though, you guys have dual income. Some of us are on our own, not that your strategies couldn't still be applied...but it's a lot easier if you have 2 incomes to work with

[@Ali_lamb]

Omg this was so good

[@23amiranda]

Can you make a video on how to plan to buy a home or rent? Or what method you used to get out of debt? Trying to be in debt and wanting to buy a home is tough so I figured getting out of debt is better and then making the big decision of the home

[@michaelbryant5833]

The only problem is if you are breathing or alive you are in debt...monthly Bill's ARE debt

[@samanthab3292]

Do you guys own or rent your house? Is that included under "debt free"?? Great tips!!

[@jeannettesparr9179]

She rents. So although she has no mortgage debt, she also has no home.

[@purpledragondc7532]

Whoa! Whoa! Whoa! How did you actually PAY OFF the debt? You gotta make a beginners guide to THAT!!!!! Please, I be going you!!!!!

[@thatpracticalmom]

There’s a link in the description box to the blog post I wrote on that :)

[@eastsideeddie]

Is that 70k in credit card and auto debt or does that include your mortgage? It would be more meaningful to know how much of that was mortgage. Did you already own your house outright? In my case I owe about $78,000 overall, BUT, 54k is mortgage, 13k is car, 7k is a loan for a garage rehab and a small travel trailer I bought. My credit card debt is only about 4200, and not that the trailer is outfitted, I am no longer spending. Mortgage and car is usually the bulk of everybody's budget. Can you enlighten me on that please?

[@womanofacertainage5892]

When you say "cash" do you include debit cards in that? e.g. is using a debit card, where the $ comes out of your checking as soon as the card is swiped, the same to you as "cash?" It is to me.

[@thatpracticalmom]

yes! I do!

[@melissamuddle6459]

If you still use credit cards you are NOT debt free. You are just paying off your debt every month. I am proof there is no need to have credit cards. I'm 46 and have never had a credit card. I have rented cars, bought airline tickets, and done all the other things you aren't supposed to be able to do without a credit card. I got a mortgage without one. I paid off said morgage and now am truly debt free. I save the equivalent of a house payment and a car payment each month so that I will never have to borrow money again. A budget is great if you are living below your means and saving for the future. If you are spending everything you make even though you are budgeting you will never get ahead. I was very fortunate to have parents that taught me well. My Dad always used to say it's not how much you make, it's how you spend it. I'm not rich at all. I've just lived without the extras long enough to aquire a paid-for house and cars. And I'm being very intentional about the future. It's not quick but it's very achievable. Neither my husband or I have college degrees. I didn't even settle on a specific field until my late 20s so you know we didn't make millions while we were in the process of getting debt free. Also, when we had our first child I quit to stay home with him so for the last 10 years we've been living on just my husbands income. I want to encourage people it is possible to get and stay debt free!

[@firefrom70k98]

Love the debt free life😁😁😁

[@livymeyer9184]

Love it!

[@britneybxoxo]

I’m just trying to pay off my small student loan debt with the job that pays more than both of my college careers. 🤷‍♀️

[@itslinziwalker]

I understand that using cash puts you off spending large amounts, but don't you guys get more protection if you use a card for purchases over a certain amount? In the UK, any purchases we make over £100 are covered. If something goes wrong, the credit card company is jointly liable to give you your money back. Great tips, this is essentially how we live 😊

[@annb6683]

Have lived the last 10 years without CC,,,,cash for everything. If we don't have the money we don't get it.

[@BlueLineGroovy]

I can’t find the links below.

[@rebeccahoffman7330]

I follow Dave Ramsay and this is what he says.

[@luckybadkid]

Did you use the Dave Ramsey baby steps?

[@babepenguin1246]

“Spending is an addiction” OMG that’s my vice! Not drugs or alcohol. Spending!! Hello my name is Babe Penguin and I overspend.

[@jaimeemg5038]

Does your debt free include your car & home? I paid off my credit card & student loan debt but don’t know how one can pay off their mortgage & car that quickly! I do live below my means & put a lot in savings. Can you please address the mortgage & car piece? Is it better to focus on paying off your mortgage than save? I’m confused! 🤷🏼‍♀️

[@thatpracticalmom]

Hi Jaimee, yes it includes our cars - we've paid those off as well. We're currently in the process of saving up a bigger down payment to purchase a home so that our mortgage will not be as large and we can pay it down quicker than the average. Everyone tackles this part a little differently. Hope that helps!

[@Jennifer-nz2ss]

Dave Ramsey people! just watch those videos!

[@nanusia69]

I just love when youtubers make vidios about how they got out of such a humangus depts in just one year- of course they paid it off with money they ern by youtube vidios. In my case it’s just unreal to do it with other montly spendings like mortgage etc. When working full time job. Anyway great tips 👍🏼😊

[@laurahanson5179]

My husband and I paid off 75k of debt in 10 months and neither one of us is a KZbinr. 😊 There are other ways to earn money, even while working full time.

[@philipmurray9796]

$50 for a burger and a beer? Who is your burger guy?

[@thatpracticalmom]

LOL, life in Connecticut.

[@adams5507]

PAID OF 70K IN A YEAR TRANSLATES TO SAVE 70K/INVEST 70K A YEAR DOIT

[@anjledube7026]

Thank you! Yes I used to on my old check book I always 0ed out each two weeks we got paid by the military after I would zero it out then what I would do is whatever I paid out always made it a dollar more if it was $52.60 I always made it as $53 within a month I had already saved $2,000 as we were trying to save the life of our child Priscilla ended up passing away and her battle with a monster called cancer forever sweet 16 and they took 13 days and she was gone forever in my heart forever in heaven I'm waiting she's waiting with that being said you are very blessed and many many ways I'm very sorry if I cannot use pronunciation for anything I'm only able to use one hand to hold the mic I was in a nasty accident September 20th 2017 I fell 11 feet from my mother's roof after hurricane Irma came through Iris cleaning and I fell broke everything from my head to my toes they counted out 16 bones broken and it shattered left wrist which will never be able to use your state of Florida has deemed me disabled within months never thought of this age I would see this or be this way there's something about her but the Lord has something different for me and I I've come to understand that I cannot change what has happened what has happened to my daughter much love and respect one mother's broken heart doing the right thing doing exactly what you're talkin about I do not have a bank account I only use my ex is owed to me for child support and what my ex owes me for retirement from the air Force 27 + years I deserve something God bless peace be with you much love and respect I forgot to tell how much I saved each month even though my husband was in the military I was working two jobs I'm trying to take care of a cancer child but I did my best all the money that he made which wasn't much $532 every two weeks for a family of five and a cancer child it was very very hard to try to save with all the bills piling up even though we were military you still have to pay 80/ 20 no matter whatit was very hard to save by the time we left Washington State I had saved $2,000 every 3 months and that was keeping my checks to help pay for my mother's Bill's which was very hard as well but we did what we had to do when we left Washington State we had an extra $5,000 that I pulled out of the account which was amazing to us since we were barely making it and did not qualify for food stamps because we made $0.52 more than we should have yeah what a shame here we were military working our tails off thanks Obama God bless peace be with you sorry I added I hope you understand

[@vzimmer1951]

We don't even make $70,000!

[@kimhefley1683]

This sounds like Dave Ramsey

[@jeannettesparr9179]

Not at all like his program. He would never recommend using a credit card.

[@kimhefley1683]

@@jeannettesparr9179 true. The rest of it sounds familiar though

[@Wredniara]

I think it's an american thing to live on credit. Sure people także loans and Such but on yt eweryone is buying house and Such on credit...

[@smallkitten769]

In many places here it not worth buying a house. And people don't really understand credit.

[@dfwisem]

I have enjoyed your videos in the past, but this video has said much and very little at the same time. I cannot conceivably see how you just prestiditated your finances into a budget to pay off 70k in a year! Even cutting your spending in half, which is not realistic for the majority of people, you would not be able to pay off that much debt. That is more than the combined household income of most families pre-tax.

[@horrorghoul]

I thought that also but then I thought maybe they were able to talk to the collectors to come to a smaller settlement then the $70,000.

[@thatpracticalmom]

Hey David, I shared the blog post where I wrote about how I paid off my debt in the description box. I explained how I was able to do is in a much more aggressive way than some because I work a full-time job AND also have a side hustle off freelancing/blogging/Youtubing which also makes me money. While I know one year is much more aggressive than some people, in the post I explain that you can use the same steps to pay off debt, even if not as quickly.

[@vintagegal7376]

The way this was edited was so distracting....just talk to the camera and lay off the change of venue every minute. Eesh.

[@jazzjazz4765]

Omg thnk u I m makeup addiction KZbin make me do it pls help

[@terrysanders3765]

The immense january reciprocally warn because bangle willy smell in a plain raincoat. acceptable, delicious match

[@BrokeandOverIt]

Great video!!