How to Pay off Debt - Step 1 What Are Your Debts? Time To Conquer Your Debt!

[@LivingOnADime]

❤️ Quick and Easy Recipes! ❤️Dining On A Dime Cookbook 👍 www.livingonadime.com/

[@PRTTYBTTRFLY1]

Hello Tawra and Mike good video

[@brooke6504]

We were in $97,000 worth of debt... $87,000 in school loans (to be a preacher and a social worker 🤦🏻‍♀️) and $10,000 on a van. We have worked hard for over 4 years and now only owe $3,900. I can’t wait to be debt free!!!!!

[@granitemoss1451]

That's SO awesome! Go, go, GO! You got this...

[@LivingOnADime]

WOW! You're almost there! Good job!

[@lorileedriedger520]

Right On!!!! I just finished last month. I danced I cried then slept way more than usual for two weeks. I had no idea how much was on my shoulders until it was off. Our last stretch had some steps back with auto repairs but keep going no matter what. It will feel so good to have some more for emergencies the month after your done 😁

[@michellegarner9629]

Been on my debt free journey 26 months. 9877 to go. ☺️

[@diane5819]

When I listed it all out, I nearly died! Now each month after I make payments, I put the new balance owed. Still makes me sick, only a little less sick than when I started....it is sobering

[@LivingOnADime]

Good job!

[@tracybaker5504]

I found Mike's statement about how you wouldn't go into a store and intentionally pay more but that's what we do when we use a credit card, simple but transforming. I don't think people really think about it like that but should.

[@tammyslifeadventures230]

I have about $30,000 in consumer debt. No home (renter)... No car loan... All just 100% bad decision spending on credit cards with nothing to show for it. 😲 I started my debt pay off journal late last year. Making baby steps. Thank you for this video series! I need all the help and encouragement I can get.

[@marlene9682]

Tammy Life Adventures I got almost 10,000 in debt which I am paying. But last week I also asked myself where is all of it. Wow

[@lynns.1855]

I have $5,451.27 left to payoff my car. No house payment and retired. Wanted to say I love your videos.

[@donnadankert9662]

It feels amazing being completely out of debt. I remember when I paid off my house the feeling was what a relief it was. I love watching you video's!

[@paulaincanada4831]

We owe nothing. Our house was paid off 22 years in June. We are in our mid 50s. My husband simply couldn’t handle having debt hang over him. Once he bought a car with zero interest and no fees and it still caused him anxiety till it was paid off. Next car he paid cash.

[@lindaf4803]

We are debt free! We do use a credit card for all of our bills because the company gives us rewards. The credit card is paid in full every month and we redeem our rewards for gift cards to use at Christmas.

[@michelejaclyn4541]

Hey everyone...listen to these people!!! They have really good advice. I applied their tips and advice and got out of debt (except mortgage), paid off all credit cards and paid off my car 4 months early last year.

[@lindsaysimplified]

Had $20,000 in debt back on November 25, 2020. We are down to $13,900 as of today!

[@judithscharf6318]

We paid off the house in December 2010. We pay for cars with cash. Our house fits our needs, and is not large. We don’t have fancy cars. We learned a long time ago that she conspicuous spenders are often not rich.

[@Betrsafthensory]

We are 158,000 in debt. We have a long way to go. We are working on selling the house we are in so we can move to a house that is paid for. We will pay off our credit cards and personal loan with the money from selling the house. Maybe even pay off our truck if there's enough left over? Then we will just have utilities, food, and insurances. What a glorious day that will be. 😊 Thanks for making this series and I'm putting my info out there so I can be accountable. Bless you guys. ♥️

[@RandallHallKaizenReiki]

I started this process. As I pay off credit cards and accounts, it feels good. I see the goal line and it keeps getting closer every month. Very motivating!

[@nicB7777]

In June I started out with 227k of debt. Including mortgage, heloc, auto loan, debt consolidation loan, credit cards, and undergrad and masters loans. I've been in the sell everything that isn't nailed down mode and working a part time job plus instacart, in addition to my full time job and my own business. I will have credit paid off in 2021, and totally debt free no later than fall 2023. Having a plan and your WHY is so so soooooo necessary- and you can do it!!

[@nette0423]

I'm working on being debt free and I cannot wait for the day when I pay the last of my debt. Thank you for going over paying off debts and being debt free.

[@moniqueyap9193]

On the advice of my boss I paid off of our debt last year. He's a wealthy man and he didn't get that way by being stupid so I listened. And then I took the monthly payments I had been making and putting it in savings. Our savings is growing and we are debt free except for monthly expenses like utilities and food. It's a good feeling.

[@leebroom4]

We owe 26,500 currently with credit cards, loans, and car note. And there are past medical and family debts of 8700 and 3400.... about 38,600 total. Thankfully, we own our house. We originally got a 15 year mortgage so we wouldn't have to pay so long. And all this, since filing bankruptcy 20 years ago... we are determined to get free from this debt that has held us captive our whole married lives. (30 years in July:) Thanks for these videos, much appreciated!

[@hermit.masteroflight5970]

Thank you so much. Here I am, ready to learn 🙂

[@brightstarr57]

Right on! I have been debt free for over 15 years and it does feel good!

[@vickieclark5931]

The only debt I have is my mortgage. But I am throwing extra to that every month.

[@amycassady5956]

The only debt I have is my mortgage and I’m slowly working on paying that off early while, as a 50 year old divorced woman, still saving for retirement some day. I currently work 2 jobs, one full time & one part time. I try to live off my full time income and save the part time income. I have 6 months worth of expenses saved and would like to now look into investing some money. I wish I had started this when I was younger but we live and learn.

[@lorileedriedger520]

Same same. Chin up and one foot infront of the other sister. You aren’t alone 🤗

[@ChrisIsTasha]

$10,502 still in debt but gradually making progress. We were over $15,000 in debt when we started. Car, one CC, and a legal bill to pay off. No mortgage currently.

[@irenebaker8263]

Well here it goes...my husband and I have $30,000 left to pay on our house! I am 60 and my husband 62. And we had some major set set backs which I guess is called life happens. We had hoped to be mortgage free by now but have we have to accept what happened unexpectedly to us and keep pay it off as fast we can. We have our budget done so we can pay an extra $100 to principal!

[@jasminer7804]

I really love your videos! Breath of fresh air.

[@laurenbrasington7968]

I owe 52,000 on a house payment and 2000 on medical. I'm proud to say my husband and I have paid off 30,000 of student loans.

[@donnaconley1022]

Hello. I had credit card debt and sleepless nights for years. I am looking at $2,500 medical debt that Medicaid didn't pay. I'm hoping to resolve this soon. I hate debt!

[@ashn6905]

I'm excited for this series! Just started our debt free journey!

[@DB-18]

Excelent video!

[@glennoconnor2980]

On an episode of Gilligan's island, to the tune of The Toreador, it's sung, "neither a borrower nor a lender be, do not forget stay out of debt"! 😆

[@michelleellis6906]

Close to 200,000 in debt, but I am working to get that paid. I have cut out spending on things by asking myself do I want it or do I need it. I have even cut my grocery bill in half. So I am doing it but I know I have to keep at it.

[@selflove428]

Irs installment monthly is a debt

[@andreah4183]

Student loan is my biggest just over $60,000. 2 credit cards of less than $500 combine which will be paid off in 2 months tops. No mortgage own my place out right (but have lot rent), paid off my vehicle 6 months early and lowered my insurance to 1/2 of what it was. Sold a motor home that wasnt being used and paid off some stuff and stocked up on groceries.

[@gloriapeel6887]

Great information!

[@eileenkillen1481]

Love your lipstick color, you two, Tawra and Mike make my day better. Blessings to you from Ireland. 🙏🇮🇪❤️

[@selflove428]

8000 in my car and 2600 on my last credit card paid 4 cc this year 🙃

[@The_Purringlady]

Being Debt-Free (including owning home outright) is the BEST!!

[@southcountysue3811]

I use a credit card to pay phone, electric, gas bill, food, essentials but I pay it off when I get the bill and earn rewards from the credit card.

[@theresawinder7403]

From the UK . Took credit to buy a family car but we will have it paid by this time next year by working extra and curbing spending. Mortgage will be gone by 2026. Hopefully my 18 year old car will stick out a bit longer. Being careful and frugal does help massively.

[@suec2117]

I’ve been watching your videos for a long time...I started to feel like rent was a debt that you never get paid off, a burden so I sold everything I could and paid off everything

[@annacuomo8058]

Thanks for doing this series. I'm excited and looking forward to watching your videos. I'm glad you're doing this. I'm sure it will help many. Thanks. Anna Cuomo

[@lovinitall6639]

We owe 21,000 on our home.That is ALL ! IT FEELS GOOD TO BE ON THE COUNTDOWN !

[@gigglesforter7163]

We’re chipping away at debts we have the house payment and a student loan. We have credit cards but since paying them off in June I’ve only used one, once and paid it right after. It stresses me out to owe things to people. We’ve paid off four credit cards, 3 cars, one rv, one large student loan and one small student loan. It’s almost like a high every time we pay something off. So far $168,000 paid off, we cash flowed two people being out of work for two months during covid shut downs and four months of one of us not working. Now I’m back to shoving as much as I can onto my $46,000 student loan and then there’s the house that 400,000. We have an 8 year plan that might fluctuate up or down depending on life.

[@Organized-chaos1]

Hello! Just ordered your second dining on a dime cookbook :)

[@LivingOnADime]

Thanks so much!

[@brightstarr57]

I have it...great recipes and tips!

[@meadecountylocal]

It's always good to see you 😌

[@conniebennett3378]

I am on Social security and owe with house and credit cards 117,000.00 😥 as a Christian. I keep listening and I am trying to get out of this slavery.

[@floppybob1121]

$121.255 house only. I am planning to get this paid in less than 5 years. Whoo hoo!!

[@barbarabennett1233]

What about insurance, car, life, house

[@LivingOnADime]

Insurance isn't debt.

[@TheCourtneys]

What?! Your debt is your responsibility?! Imagine that! So much common sense is lacking in the world today.

[@penelopeprimrose90]

So many people get comfortable with debt that they don't even think about it being a problem. I have heard people say that they will always have a car payment. It's just a part of their existence. They don't even pay the car off before they trade it in for a new car. Speaking of voluntarily paying more, the biggest example of that to me is paying PMI on a mortgage because the down payment is less than 20%. I have a friend who has bought 5 houses over the years and has always had to pay extra for PMI. They said it's just part of the mortgage and they don't even worry about it. That's just insanity to me!

[@amytursky]

If college loans are "forgiven" you don't get off free. Your taxes will skyrocket and your kid won't have money for college either.

[@bethtube5997]

Exactly!

[@moonviolet61]

Tawra, where did you get your glasses? They are exactly what I am looking for!

[@LivingOnADime]

Thanks! zenni optical online

[@moonviolet61]

Thank you!

[@rochellethundercloud346]

After my mom died,come to find out I owed over $300,000.back bills,taxes,her final expenses,fixing up my house she had left me.okay,a trailer.but,still... I worked 20 hours a day,7 days a week for 5 years to pay it off.with a baby.lots of fun.my close friends pitched in to help as much as they could,but not by paying my debt or giving me money.they did yard work,babysat,cleaned,fixed up my place,etc.that type of thing.

[@margarethauff8882]

Yes I could write a check and pay off my truck, but it will be paid off in under 2yrs. I Don't have a job, no disability, or anything like this.

[@naomipatton6976]

My debt total... this is painful.... I never really thought of my house being a part of total debt, $271,390😧😳😭😭😭

[@donnavee3943]

So proud of you for typing that out! Believe it or not, I've got you beat.

[@naomipatton6976]

@@donnavee3943 Thank you! We can do this!

[@LivingOnADime]

Good job for facing it! You can get it tackled and win!

[@KimBurrows1111]

Your natural grey really suits you x

[@TheSmilingTabbyStickers]

Ughh medical Debt! I hate it. Had to go to er today for covid vaccine reaction. I’m sick thinking about the bills I will have

[@granitemoss1451]

I hope you are feeling better! Don't forget you can negotiate medical bills. I wish you luck with it!

[@missmrice91]

I just had to look at these comments 😄

[@denisestathatos4147]

Student loans forgiven will be considered income and taxed! By the way only 10,000 will be forgiven! Apply for scholarships and grants first!

[@bernicemetoxen9094]

So..l have an unusual situation..is it possible to contact me PM? l need HELP.. 🤗

[@LivingOnADime]

You can contact us here. www.livingonadime.com/contact/contact-general-question/

[@abigailoin9333]

Once you start paying down your credit cards don't use them. I had to put my credit cards in my drawer and not in my purse. The only card I use is my bank card.