How We Stopped Living Paycheck to Paycheck

[@msdeenatural_3]

I'm living paycheck to paycheck but God has been good to me and my children. I pay my tithes and offering faithfully. My bills are always paid. I'm a single mom of three by the way. God is good, I focus on being positive at all times. When it comes to my children I don't care how big the bill is. They health matter more. Better safe then sorry. I like your videos.

[@donnaroberts4513]

I am just like you I never have to borrow money . People come to me to for loans. I also pay my tithes and offering and spent money with common sense. Alway have savings and the Lord has bless me with a 20,000 dollar raise in my salary.

[@TwoHorses7Ducks]

Your honesty is sobering. People need to hear that it's going to be painful. Great vid

[@naomiking2442]

Love this! Thanks for sharing! Dave Ramsey changed my life in my 20s and now (at 39) we are 6 months away from being mortgage free :). You can do this!

[@HALLIWEL07]

Naomi Talking Money wow congratulations i hope to pay off my mortgage early as well

[@Ileanainbliss]

Naomi Talking Money awesome!

[@Noliving]

So are you mortgage free now? It has been a year.

[@SirenaSpades]

58 thumbs down are all credit card companies. Very good video!

[@kimberlystrickland189]

I really wonder where the thumbs down come on these videos.

[@EdenSignal]

I needed to hear this, from a real working person and not some millionaire internet star...subbed.

[@emmastutts8381]

Your story is my story. Finally starting to wake up. It feels so overwhelming but I don't want to live in the cycle of debt anymore!

[@msdanaryan]

HUGS! You aren't alone. ❤️

[@debtsuckzcanada5081]

I just came across you on KZbin great video. I am a divorced mother of two teenagers just trying to make ends meet. Your ideas are great. it's hard when you paying all the bills on your own.

[@msdanaryan]

+Debt Suckz HUGS! I was raised by a single mom and I remember vividly how hard it was for her to make ends meet. ❤️

[@ssc3001]

Debtsuckz Canada Hi! I’m a teenager whos of a working class family, and all my friends are too. We’ve all worked since the age of 14-16, if your kids are of that age, maybe ask them to find a job? Just to help out with the bills, food, clothes, sanitary products, anything! It helps having more than one income :) hope this helps.

[@jmmbarkovich8734]

Thanks for sharing! Love that curly haired beauty! Cut my cable in 2011, cleared all debt, and credit score jumped! Available credit is massive; in case of emergency use only! One needs to police one's spending; I'm now spending only half my take home pay, and saving the rest. My retirement plan is set as well. This is peace.

[@sylvievicenza179]

You are preaching what I have been doing most of my adult life. Now I have a adult daughter that has been observing me and was telling me that it was difficult to say no to invitations... I would like to tell my answer to her. I did ask her to have her friends over and talk about money for real. We would be very surprise to see how stress are these people with nice cars and nice things. I prefer to be able to sleep very well at night than wondering how we will make payments.

[@nikkinone-ya]

Wow .. your story is so similar.. I just went thru my last straw but had to do a bankruptcy to get a fresh start ...Im a mom of 4 since 16 I did the same as you! I was so far in debt living off the payments I made on the cards...now I never want to end up like that again, and came across your channel.. Thank you! I am loving your videos!

[@eleanorkerby]

we have a place called the great exchange thirty minutes from my house where you can take 25 pieces of clothes/books/jewelry and exchange free for 25. it is a ministry of a church. It has grown hugely. I have taken clothes people give me and took out baby blankets for people or even larger ones and used on my dog's beds which are small canvas cots. I don't even have to buy books anymore and except for underwear and shoes have not purchased clothes for years now and I work in a law firm, not going shabby

[@citygirl138]

You are my go-to gal for financial tips! We are completely dept free. My husb. retired in 3/2018. Living frugally is a lifelong process. But, w/ it comes such a peace... TY for yr videos as I so appreciate them. You have such a gentle spirit, Dana. Nancy

[@nevertime1246]

This is incredible! I somehow falsely assumed that you were frugal most of your life. I have a very similar story and I rewarded myself with a new car when I graduated with my Bachelors at 26. (I graduated later in life). I still have the car and am planning to keep the car another 6 years, if I can! Thankfully I got a large raise 6 months ago, and I've been able to save a lot more this year. I have a $118,000 mortgage and am $72,000 in student loan debt. I've been stretching my money here and there but I know that I can do more, as far as being frugal. Thank you for your videos. I believe you offer practical advice, in a very relatable way. I'm glad I discovered your channel Dana.

[@poohbairhoneyville1865]

I love every suggestion you've made. Life is too short, folks need to live & enjoy life - not struggle to get through it. Keep doing and sharing🤗

[@caligirl00]

And my God will supply every need of yours according to his riches in glory in Christ Jesus.

[@ec8927]

Ego control is so important. One of my struggles to making changes has been worrying about appearance and how that stops me from making difficult positive changes.

[@AmbersFamilyof4]

You made a ton of excellent points! All very true! Living paycheck to paycheck is very stressful. Having an emergency fund is so important! These are 2 things that I've been preaching for a long time.

[@msdanaryan]

+AmbersFamilyof4 Some of us just need to hear it 100 times before it sinks in. LOL! ❤️

[@patriciaking7892]

Be frugal on material things but not life. Be frugal but not a fool.

[@donnaroberts4513]

That is why I buy the best food and eat healthy. Health is so important especially during this cov 19 crisis.

[@yamieandre7700]

I sell health insurance, that part made me cry.

[@cheryl1205]

Just found you this morning, loving your vids. that's called hitting rock bottom. love your honesty. hugs!

[@aliciam.7855]

I cut my own hair (long hair with layers), dye my own hair, and cut my husband's, 3 sons', and 2 daughters' hair. I have done this for years and it saves so much. I learned to cut my own hair from a KZbin video. Don't be afraid! If it doesn't turn out you can just do pony tails and buns until it grows out!

[@lriver5766]

Love this! We do the same at our home❤️

[@caraoosterhouse7348]

Don't forget the budget each month. You don't want to wander in you career path and you don't want to wander through you finances without a road map called a budget. Love your video. I used to have the slimmest of budgets, but now after years and years of saving a little each month, I have a pretty good cushion between me and the world...and I still buy 95% of my clothes at the thrift store.

[@lriver5766]

Omg this hits home😢been in your situation. We also said enough of this nonsense of living paycheck to paycheck.

[@bethanieboo962]

I like how down to earth you are and how simple you explain things. Just started watching you!

[@charlievillanueva726]

we didn't live paycheck to paycheck but we're​ trying to save money. I'm so happy to heard this video.its gave me ideas how important to saved money thank you so so so much!

[@amandamac8790]

Another thing you can do, if you have a school of beauty in your town, they usually charge less to let the students cut hair and learn styles (if you're not really picky on how your hair looks...) I usually just put my hair in a bun, but to keep it healthy, I get a trim every 6 months. It's usually half the cost of even the cheaper of salons!

[@tysa1999]

Amanda Mac I do this too!

[@veronicabean49]

Yes! I like the Aveda schools, because I like their products, you get a nice head massage, and the instructors check in frequently to make sure the students aren't making any huge mistakes (last time I went the students even had to show the instructor a plan before even touching my hair). It took a long time, but I ended up with a good cut!

[@mysticallavish1360]

New subbie, I'm learning so much thank you Dana💖I'm 48 single mom of a teen son. No house or car payment. I have always lived frugally but tired living paycheck to paycheck...I really like to own a small house, my dream.

[@DW...]

Hits home when it comes from a real person & not a millionaire. Great video!! Thank you👍🏻

[@SarahtheDietitian]

Wow. Tear jerker story with your son. I've totally been there too.

[@hoffmansforhim7365]

This video makes me cry everytime when you are talking about son. You can tell you are a great mom! Debt makes our decision making poor. I too have made bad mistakes due to debt decisions.

[@lilyann168]

I am determined that after I pay off my current car, that I will never have a car payment again, or at least to get a cheap enough car where the payments are only for 1 or 2 years. (Real cheapo junkie lemons can be dangerous) No more of these 5 or 6 year car payment plans though. Done with that!

[@lynnreed7342]

I wish I had thought of that ! I have a 5 year loan...started last Oct. My auto insurance is much more too~! Trying to figure out how to sell it for what I 'paid' and get a $2000 car.

[@franchettabeckford6753]

I feel the same. I don’t ever want to pay a 5 year car payment again.

[@wakeup_withAshley]

love love love this!! i just faced my debt the other day😕...scary it is!! Its so hard to live below your means!!

[@msdanaryan]

+ashleyplus3 Good job!!! That was the worst part in my opinion. Facing it! 👍🏻💖

[@yrellim]

Train for a new job immediately I not sooner kitten and become a cat lol x

[@AFunctionalMess]

I love this series you're doing! Loved hearing your financial story. I destroyed my credit as a young single Mom. It was good in a way because it forced me to pay cash for everything and I have never had a credit card. I can't rent a car but I can't think of anything else that I have needed a credit card for.

[@laurapicht]

as a hair stylist of 40 yrs, we are always glad you come to us...so we too can get ahead and thrive like everyone else...💕

[@amc8075]

I really miss your videos- I hope you’re okay!

[@rosannsupino5517]

Great video. Going to check out Dave Ramsey too. Don't skimp on ER visits or visiting your mother.

[@keepingitsimplebertanamari5676]

get a digital antenna to watch TV free. I get 7 free channels. you can look online to see what channels​ you will get where you live. Also a Clean​ new plunger in a 5 gallon bucket will wash clothes pretty good.

[@KatHamilton100]

I got onto Dave about 3 months ago. And the changes I've made already are incredible. I have the 1k emergency fund. I've paid off bigger chunks of debt than i ever have. I don't buy... anything lol, well food and general expenses. Haven't bought clothes, shoes, electronics or anything like that in a few months. It helps to make budgeting a game, to see a graph of last months spending (pocketbook great app) go way wat down has helped. I got a second job weeding people's gardens, I'm not a gardener but it's not hard. I'm now in transition with my full time job and I've had about 4 weeks in the last two months with no work. And if I hadn't of gotten into Dave's book I would be struggling super hard right now. I had an account set up for an extra months rent, and one for emergency... and i haven't had to touch the emergency yay!

[@lynnreed7342]

I love your idea of being a weeder for other's gardens. I could do that!!!

[@lynnreed7342]

I would like to weed people's gardens too....can you let me know how you managed to get clients? Your hours and other details? Thanks so much!

[@سهيلعلي-ر6د]

Incredible ideas, saving money exites me a lot. Who is this dave? and whats the name of the book?

[@qmakesithappen]

Adversity leads to greatness when you really tap into it! Way to go Dana!!! 💪🏁

[@patriciaking7892]

Live life to the fullest. When you're dead it's over!

[@villamathilda6984]

Rewatching this. Gives me hope and keeps me motivated. This was the first video i saw on frugal living . Suddenly it just appeared on the screen. This changed my life! I cant thank you enough! ❤❤❤

[@gracieallen8285]

When we got rid of satellite we bought an antenna and a TiVo OTA it’s nice to have a DVR and from the TiVo I can get Amazon Video as well as all the OTA channels.

[@CranberryEssentialTarot]

Thank you for being so honest. This is one of my goals is to stop living paycheck to paycheck. We are on our journey, we'll make our goal. Thank you again.

[@msdanaryan]

+CranberryHorn We both can do it!! 2017 is going to be a great year. Thanks for your comments!! 💕

[@chantalreneehayles7976]

stories like yours are very important is realizing that financial literacy starts from a young age. many people get themselves into terrible financial situations just from bad decisions made from when they were younger

[@ellefson1]

TRUTH - we know these things but we don't do them ... I've been watching your channel to try to spark some action in myself, I know the right thing to eat or spend money on but the gap between knowing and doing is so wide for me

[@prolifemama]

my husband and I financed a car almost two years ago. we just about immediately regretted it! thankfully we were able to double our payments and pay off our car a few months ago. now we just have our mortgage. it IS a freeing feeling. it is challenging to live simply, though 🤔

[@EvangelistRBColbert]

I buy bulk from Costco in regards to paper towels. Cloth towels still have to be washed, which adds to your water bill.

[@aoki556]

RB Colbert not if you put them in with your normal loads. the cloth method is also more eco friendly.

[@velvetindigonight]

Tip. Keep hair simple. Keep it long. Cut ends and fringes when hair is wet and USE DRESS MAKING PINKING SHEARS! Because of the ceration you don't get that awful chopped, straight line look amateurs often get when they use kitchen scissors or hairdressing scissors. The shears mimic the snipping the hairdresser does without the bill. If you want to do simple cuts as per KZbin then pinking shears work for those also. If you use colour for grays buy a wash in six week treatment the same colour as your natural colour. Using cheap dies looks obvious unless it's a close match. This has worked for me for over five years. The hairdressers is an occassional treat not a six weekly money pit. Also study what they do to inform your skills!

[@louisedavis2128]

God bless our NHS, it may have it's shortcomings but I have never had to think twice about getting medical attention due to money for my children, me or anyone else. I know that wasn't really the point you were making but it just brought that up for me. I am enjoying watching your videos, they are motivating me to get more control over my finances ☺

[@donnaleeclubb119]

You also make less money on your paycheck because you are paying for someone else's responsibility in regard to health. She could have went to her local ER which was closer. NO ONE would have turned her away because of her inability to pay. It is illegal to do so. The Urgent Care Clinic she went to was probably privately owned by a doctor's group which can deny care if not affiliated with a hospital. As for the 80.00, she could have paid it or waited to pay it ten years from the date, wouldn't have mattered. So no, I don't want to pay for anyone else. My taxes are high enough.

[@kathyradford4048]

I rented out the second bedroom , i.e. Got a roommate, in my rented place.

[@gdaygday1209]

I love your sincerity and honesty, thank you for sharing.

[@donnadixon8065]

Thanks Sis for that eye-opening talk abt debt. I have cut back myself & am paying off bills & learning how to save again. I like the way you deliver the message. No if &'s or buts abt it. Thank God for you & Dave Ramsay.

[@cathleensmith5473]

Scary what happened with your Son, glad it turned out ok.God continue to bless your family.

[@mzabs1871]

All of this is wonderful advice. Its spot on. But when your partner isnt on board, all the great advice in the world doesnt help. So depressing.

[@سهيلعلي-ر6د]

Yes, its the worse, but dont quit, go slow, in my home my mother, is very stubborn, she dosent want to hear my plan, to pay debts and save money, we have a lot of waste here, and we have discussions about this, i get upset but i have to keep on fighting, its for the greater good, it would make life more easy, in shaa Allah( if Allah wants). Keep going dont stop. I am actually thinking about making a powerpoint presentation explaining how to cut of things and the benefits of it.🤣🤣🤣

[@MaRii170212]

Awesome video! Little bit at a time I'm in the between trying to get out of debt I'm paying off my cards and loans 👍🏻 the advice is amazing!

[@msdanaryan]

+MaRii170212 You got this! 👊🏻✨

[@tiffanylikestodance4452]

Your "I've had it" story made me tear up. That poor baby. Thank you for sharing! I think it's so important to draw out the "why" for your reasons for being debt free and tie it to something deeper than the money. I'm about halfway through paying off my loans now. I did the same with the new car after college. If you decided to keep it and pay it off, did you refinance at a lower rate to pay off faster?

[@tiffanylikestodance4452]

Rewatching this video now as a reminder 👍 I’m completely debt free. I ended up keeping the car and just paying that off super aggressively. I’m on steps 4-6 now. So the plan definitely works and I can say it’s COMPLETELY worth every ounce of work I put into it and was easily the best goal I’ve ever set for myself.

[@andmelinda]

Ugh! I wanted to cry with you! I had an identical situation when my daughter was little and I took her to the ER with no $$. You're so inspiring!

[@FaeDruid]

Dana, I know this is an old video so maybe you won’t see this comment, but this was really powerful. Thank you for being so open and honest. This is how lives get changed.

[@steffyost]

Dana, this is awesome. I didn't have the super painful path you did because my parents have always been very frugal, but for a long time I had no real budget, no idea how much we really were spending! This has renewed my commitment to frugality for my own finances and also for the environment. Thanks!

[@marpz9108]

Wow..is like listening to my own story..almost lot my house back in 2008. But got a second chance and cut on everything..Now I own my house.

[@joanwyatt9945]

Just found your videos and they are very inspiring. Most of you gals might be too young to remember the book, The Tightwad Gazette, (highly recommend it - you can find it at the library, Amazon, or eBay). I learned a lot of really great money saving tips from it but one thing that stood out was investment purchases, purchases that save you money in the long run, such as a particular tool or appliance that will save you money. You mentioned in one video about hanging your clothes on the line. Not only does it save on your utility bill, but the clothes smell wonderful and they last much longer.

[@sassycrafter]

I loved The Tightwad Gazette! I used to get her newsletters. Good to know her books are still around.

[@samanthahardy9903]

The debt snowball is working for me. I'm always finding ways to earn extra. Dave Ramseys envelope system is working for me as well. So glad I followed his advice to save 10% of my income because I had to take some time off work when I got the flu and it helped to keep a roof over my head.

[@ragdollpreppers2648]

Miss you Dana 🙏🙂

[@amy2284]

Dana - I love how you referenced the Lord. I think a lot of us sometimes have to be like the prodigal son and find ourselves in the proverbial pigs pen with our choices. The scripture that reminds me how I should approach discipline is what the Bible says in Hebrews 10:12… that discipline never feels good at the time but it builds peace and righteousness. I tried to remember that when I had to cut back our expenses to pay off debt. We did it 🥰

[@davetv811]

Just a quick note on the television/cutting of the cord option to save money, broadcast TV is FREE! All local news affiliates, network affiliates, and even local independent stations broadcast over the air. A decent digital antenna will get you shows like "The Bachelor" live as it is broadcast so you don't have to wait! Also, many of these broadcasters have a couple of digital sub-channels including music, Hispanic, and movie channels. Thanks for sharing your story!

[@velvetindigonight]

Thank you for your honesty and generousity. Something I read was that people who live paycheque to paycheque are used to spending everything and it's a habit. Apparently, if they receive a 'windfall' of money say gift, inheritance, good sale with this mind set they will spend it the same way. Average time to spend 'windfall' is eighteen months and then it's pack to paycheque living. You have been warned. I did this which is why I'm sharing.

[@guadalupeortega6743]

That moment with your son was life changing. I've had a few of those, I really like all your ideas. I subscribed, and I thank you.

[@katebaker8763]

bless you my dear listening in tears 😭 we have been there too!!!!

[@merydadi3955]

this video was just in the best time , i just went to market place to sell them some of my baking and try to save money , and i was doing most of the stuff you were saying here , stop my internet connexion, hand washing my cloths and my familly , and i love it

[@AnaIngold]

Your story on how you started revolving debt from the age of 16 is so similar to mine. Same thing, everyone tells you that you need to get a credit card to build credit. So of course at 18, I got my first card. Then just like you, it was like we never had enough to cover expenses so we would use our cards as a buffer. Terrible!! Never ending cycle if you do that. Thank you for sharing!

[@msdanaryan]

+Ana Ingold I take full responsibility for my actions. I don't blame anyone, but I was taught wrong. I now see it as a crime to encourage kids to acquire debt. It's impossibly difficult to stop that cycle once begun.

[@MD-ul3sd]

Family is more important than money.... Visit your Mom! I regret so much not visiting my Mother saving gas then and now that she has died!

[@keg10609]

I totally agree no matter how much gas costs I will always try to go see my family every weekend.

[@nickob55]

Yeah I used to think that then I thought hang on why dont they visit me.....I was always a visitor and chaser until one day I decided not to bother, good decision

[@lynnreed7342]

that is sooo sad.

[@Edith.G.G.]

@anonymous reviewer yeah, I feel so bad after spending time with my parents and one of my siblings, cause they are so narcissistic and every time together is a big ball of criticism, manipulation, complaints, mocking at me... So I try to stay with them just the very necessary time, it's a matter of mind health.

[@mysticallavish1360]

I agree family more important 💖

[@catherinegaravito9095]

Meal planning and prepping and only buying what was on sale, going to discount stores like grocery outlet, making freezer meals to avoid going out for convenience

[@stablecircleh]

I am so sorry that you went through. I can tell it was painful for you and continues to cause you pain. I pray God gives you peace with that situation.

[@donnadixon8065]

Im 67 & i want to work from home. I dint have cable but i do need a car & am tired of catching the bus everywhere. But thankful i can. But winters comung & i need a RELIABLE car but no debt.

[@loreneknight9755]

You have much wisdom. The process is very important. You are learning every day...me too. Putting God first is the only way to go. Your little one is adorable & those curls!! I'm debt free & have savings, cds, stocks& bonds. Yes, it is hard, but it's more than I could ever have imagined. PTL. Keep on going. God will bless you & everything you put your hands on. SHALOM.

[@gail_7192]

Wow your story is a lil similar to mine as far as having a credit card early and accumulating debt.I have taken the steps to pay of my bill.I went from 7 credit cards and I am down to 3.I had my first credit card at 18 and I am now 39.My money situation is much better as I have income from various sources.Yes it is definitely possible to not live paycheck to paycheck.Having discipline is definitely a must.Thanks so much for this video!God bless

[@livinasimplebudgetfamilyli8782]

I watched this because the title of the video got me, I too am a mum of 4 and this video was my moment, I have been in some ways dreading returning to work next year ( after staying at home for 10 years with my 4 kiddos) but threw a vail of tears this video has helped me feel really positive about it, cause I can't live like this any more either, we don't have debt thankfully, but we are living pay check to paycheck after being on 1 income for so long and it is so scary tfs

[@tanjalentzy1337]

I love this!!! second income is a very good idea.

[@autumnbrown3180]

I love your videos! I came across a few newer videos while searching for "frugal, minimalist, saving money". My family has been on the DR journey since Nov 2016, so it has already made our life less stressful. I love how in your videos it is straightforward and honest thinking. Feels like you are having a real conversation with your viewer. I have subscribed and hoping to learn a few new tips & tricks, and it will help me stay focused on our debt free journey.

[@beachlover11]

Thank you for tips and your beautiful message.

[@karennesbitt9655]

Your video is great. You can't keep doing the same things over and over again and expect a different outcome. It is just not going to happen. You have to make a change to see a change.

[@peculiarone339]

Thank you!! I am so excited to be sent free and have SAVINGS!! 👍😄😎

[@Elizabeth-uj8vn]

Thank you for sharing your story and tips. I too am very hard headed. It takes me a long time to get information sink in especially when it comes to my finances. I made sooo many poor decisions and now trying to rectify the situation and learn to live within my means. Its nice to know Im not alone... Thank you.

[@griselleisara3799]

I can't wait to get there. I'm pretty close. 18,000. I love it how the kids just jump in. U don't whoosh them away or have them read a script. And that's how I know u are real and keeping it real :)

[@msdanaryan]

+Griselle Isara Thank you so much! The whole family is typically sitting in the room when I film. (Small house) haha! We're all so used to it after 4 years. LOL!

[@ladyp4184]

love your video...thats my goal not to live from paycheck to paycheck...so much stress in my life i have to make a change thanks for all the positive info

[@zeldavantonder6974]

What an inspirational message! I love your channel. This is our second month on the Dave Ramsey plan. Hard work but worth it.

[@iamlegend3686]

Thanks. I'm going to start from your beginning video. I feel like crap. But Iam gonna face my debt.

[@sottomomof4710]

Thank you for sharing your story. What a blessing you are to so many!!

[@CranberryEssentialTarot]

By the way, I like the style of your videos. Very nice.

[@pocketpupsnet]

Don't forget to build passive income streams (semi-passive). You only have so many hours you can trade for dollars to earn.

[@petratuccino717]

Hi there Dana!!! I am new to your channel and really like you :) Your story of your son going to the urgent care/hosp. brought me to tears. I've watched a few of your videos now and this one is my favorite so far. I would like to stop living paycheck to paycheck and have a savings account once again. I have been Vegan for the animals for over a decade and love that you promote it and ask people to stop eating "meat." Thanks so much and I wish you health and wealth always!!! Your friend, Petra from North Carolina :)

[@JC-kn4fh]

Dana, I can really relate to this! I love to hear that other people are making sacrifices in life to get on track with their finances too. Yes, it's hard and I can relate to your story about the ER vs. Urgent Care. There was one time we sat in the ER for 5 hours waiting!!!! When we could have just waited to see the Dr. the next morning but because of our child's heart condition we felt it was important enough to go to ER but to wait that long anyways was horrible and it cost us a lot of money we didn't have at the time. It's hard sometimes to make some decisions especially when it comes to our children's health. We try to do our best as parents for our children even though it has costed us a lot of money over time. It just makes us work harder to save back money so we aren't in the same situation again. I love to hear your videos and love the help you offer to others by putting out these informative videos, thanks Dana!!

[@marion6015]

watch bank charges as well....

[@peggyghirardello275]

I shop year round clearance for gifts xmas it saves lot money I grew up so poor I know how shop

[@cherylT321]

Peggy Ghirardello. That’s what I do. I look for bargains all year round; pick up what’s on sale and put it aside for when I need it!

[@annanimus3943]

I buy birthday and other gifts in the last week of December. The prices are great and I don't buy something outrageous in a rush to buy a needed gift later.

[@thebarky1988]

I love your channel. I am so glad I found you. I have to say I love cleaning with paper towels. I know they are expensive and bad for environment but I hate cleaning with sponges or rags. I feel I am spreading the dirt. I wish we could wash paper towels...... I love your positive attitude, thoughtful ideas and no nonsense approach.

[@dianesellepedrosa1876]

Amen. I really felt your pressure about choosing Urgent care over the ER. For me in is 600.00 plus for ER because of my children's deductible. Things always seem to happen after the Chiropractor or Urgent care are closed. Glad everything worked out for your little guy.

[@nickob55]

From a very early age, probably 19 I worked out credit of any kind was not a good idea, unless it is used to make more money, a mortgage on a renovation property was always a good move in the UK provided you didnt mind living in a pig sty for a while.I did two large houses and made a very good amount from the second one..........very good advice you give.....no subscriptions, no direct debits, cut cable, no newspapers, no artificial entertainment, dont eat out.

[@juannyguerra9834]

Thank u so much for your channel. I love it. I'm a new subscriber. I needed to hear this.

[@mjones1122]

As a culture we have to stop giving gifts to everyone for every little occasion. The adults in our family stopped extended gift exchanges years ago, it was just too out of hand and the gift giving holidays were a drudge, so we stopped. Instead we get together, cook awesome meals, and play cards. All enjoyable and way less money. The kids get a few things. My husband and I share our plans for the 2 or 3 items we are getting our son and ask family members to send a check if they feel inclined. Everything over the cost of the gifts goes to the college fund savings account and no one is paying for shipping. We put everyone's name on the "from" portion of the gift lavel.

[@carolynbittle8791]

I love listening to you. These videos have helped me tremendously.