The Art of Financial Planning | Debt Free 2021 Planner | Plan With Me

[@terrystarnes4413]

Everyone struggles during these times, but I want to encourage everyone to work toward being debt free. Jobs are not promised, & being debt free really helps to relieve stress, & prevents marital problems. God teaches to be in debt makes you a slave to the loaner. No one wants to be a slave. God Bless you all with health & many blessings in 2021. ❤️

[@catherinenunan3584]

Amen to all you have said.

[@anye76]

Nikki I quit buying bottled water. I was spending close to $1300 annually just on bottled water😳 I invested in a water filter system. My filters cost $30 annually. I was able to attack a debt looming over my head and I paid if off on Dec 29th. I started 2021 with 1 less debt. I'm proud of myself and it was just a simple lifestyle change. Cut out what I really didn't need to spend on. With all the apps out here I just like pen and paper, old fashioned it works best for me. Thanks for sharing this too. Its vital to see where your income is going 💕🌷

[@deniseowens4543]

That's fantastic great way to start the new year . Keep going on to your next goal. Blessing

[@FaithandFlour]

Excellent advice Nikki! Nothing beats the feeling of being debt free. I love how you encourage others to find ways to bring in money in order to make that happen. I cant wait to see the changes you made in your beautiful home. Happy New Year! 💛Robin

[@dori1425]

You and Jorge are very wise in communicating with the finances. Couples should know how much money it takes to run a household. In an event of an emergency or God forbid illness or death in one’s spouse. 42 years and my husband and I could never talked about finances or wills. But this has made me a stronger independent woman. Should I become a widow I know how to pay the bills. And finally Women you always need to have your “own” secret stash of money.

[@donnadoverspike9139]

I love this idea of putting your debts on a monthly so you can see everything that you owe and it is easier to track your process. Have a bless day!

[@iriswelch3553]

Most importantly, you and Jorge do this together! Happy New year!

[@zoe7359]

Have a good and healthy year for you and your family. Your hairstyle looks fantastic on you!

[@cooldesert30]

Thank you for this video. After watching, my husband and I discussed our financial plans for the first few months.

[@lmiller1413]

Thank you for sharing this. I hadn't considered using a calendar strictly for finances. I like that idea very much. I also like the area that tracks the decreasing debt.

[@monical4632]

Your handwriting is beautiful! I bought a financial planner for this year but I like your system much better! We have been debt free and living like nobody else for years and now we are looking into our retirement investment forever home. After being in the tightwad seat for years it sure is hard to let go of the savings to make the plunge so I am working towards getting the funds by pinching down harder. It is scary to get to 55+ and use up the savings for a large purchase....... what if we get sick without insurance or a job (early retirement) is scary. Anyway I like your system so much better! Thanks Nikki even people that stayed on top of debt can learn from this.

[@christinecortese9973]

Same here but I pulled the trigger and can promise once you’ve done it, you can relax! Love my new home and don’t regret letting go of the cash at all.

[@tikipie7959]

Love your hair in a updo! It really compliments your face.

[@TheLadyoftheHouse]

Thank you so much!

[@oneworld24]

Omg you are back! Thank goodness. You had me worried towards the end of last year

[@nvaranavage]

My husband taught me about finances.......the important thing he taught me that I will never forget is this: there are two types of debt - positive and negative debt. Examples of positive debt is a home mortgage, or a special purpose loan, or a car loan because they build either equity or your credit score. Negative debt is like credit card debts and paying minimum balances, or skipping payments because it either forces you into paying higher interest rates or hurts your credit score......one of the best things he could have ever told me. It reminds me to never over spend with credit cards, and be very choosy about what I or we borrow for projects or purchases.

[@phantombladesmith]

Happy New Year . My husband and I pay off our house. We have no car payments or credit cards. It’s work but it’s worth it in the long one. We are in our fifties so it feels good. I work in daycare in the morning and part time I will pet sit in our community. He is a contractor.

[@lizabethaelizabeth9515]

This really inspirering. I am one too who likes her pencils. I love writing with them. Great insight. when I saw it I went and bought a monthly planner. Just sat down and made notes. Everything you do really is inspiring.

[@deniseowens4543]

Happy New Year everyone I am in my 3rd yr of retirement and being debit free. I didn't retire until I paid off all my debit. It's the best feeling and I wish I would have done it earlier. I still keep a budget for expenses that are always going to be there for example insurance cable etc and I still save every month. Please try it for yourself it is such a relief it changes your whole life be patience thats important. Be safe Blessing

[@mrs.a4564]

I hope you enjoyed the holidays with your family. I enjoyed your video and I'm glad you touched on how you and Jorge communicate about finances, that is something my husband and I struggle with and I hope to improve that

[@TheLadyoftheHouse]

We did, thank you! I love knowing you found this helpful!

[@beckysakay2743]

Happy New Year💝 I love this information and you shared such wisdom I am definitely going to pick up the planner too. Also, can you tell me where I can pick up such pretty flower sitting next to planner? Blessings, Becky Sakay🪴

[@vicinalucinda]

So happy you're back!!

[@TheLadyoftheHouse]

It's good to be here, and great to see you here!

[@asparrow5505]

I enjoyed learning how you do finances. Glad to see you back. 🌹

[@LesleyLizbeth]

I already do some of these things but I am curious to know how exactly your financial meeting goes. My hubby usually gives me reigns of the finances because i am more frugal and he likes to spend lol

[@crterwil]

Thank you so much for this. I love the slower pace. Happy New Year!

[@cheryliwasaki7487]

Hi Nikki, your videos are always wonderful. Happy New Year to you and your family

[@TheLadyoftheHouse]

Thank you for saying that, happy new year!

[@RoxieO102]

I am so glad you took time off to spend with your family! Many blessings to you and your family!! This was great and useful content.

[@honorjune]

Wow.. Happy to see you again.. Was actually counting the days.. Thinking of when will you appear again in this new year.. Wish to see your new videos.. With new changes if so.. Share us your new year celebration videos if you could.. Wish to see your kids and all..

[@TheLadyoftheHouse]

It's good to be back!

[@jenniferrumsey9887]

This was very helpful especially for young couples. We use a notebook to keep track of monthly expenses, but I was neglecting to keep track of donations - so going to add that to our list.

[@laurabrookeallen8825]

Excited to go on this journey with you. You can do it!!!!

[@jessicafjohnston23]

Very clever and pretty to do it this way. Dave Ramsey always says is there is a spender and there is a nerd in a marriage... but our problem is we are both spenders 😬

[@bethsawdon7419]

I'm glad that you had a nice time off, but happy to see you again. I found this a very useful and informative video. Happy that I can look forward to seeing you in 2021! Have a wonderful day!

[@TheLadyoftheHouse]

I'm really glad you found this useful! Thank you Beth!

[@crystalb2222]

I love this way of creating a framework toward discussing money in your marriage. I need more of this. Although wish I could see how that works and what does jorge do in prep for the meeting too...I am actually going to try something similar this year because of your influence...

[@eirinoulapapa5741]

Hello my sweet Nikki! Before watching your video l would like to wish you an amazing and happy new year! I wish you all the best from the bottom of my heart!!! God bless you and your family! Sending you my love and a big big big hug!!!!❤❤❤❤❤❤❤❤❤❤❤❤

[@TheLadyoftheHouse]

Happy new year! Thank you!

[@sowbu]

Happy New Year!!! Thank you for sharing this info regarding budgets!!! I pray God continues to bless you with Wisdom & Knowledge❤️🙏🏼!! Your videos bless me & help me become the Woman I want to be!!!! Bodacious my English Bulldog loves to watch as well 🐶❤️🙏🏼

[@Mmolesy]

My husband and I have no debt other than our house. And we paid off just over half our house. We created a budget but don't really follow it. But after watching some dave ramsay clips I think I might suggest trying a budget again and seeing if we can pay off the rest of the house quickly.😄

[@TheLadyoftheHouse]

That’s such a good idea, as Dave says, the grass just feels better when you own it. His total money makeover book changed our life, love him! That’s exciting you are so close to paying off your mortgage, congratulations!

[@Mmolesy]

@@TheLadyoftheHouse it is incredibly exciting to see the numbers go down on the mortgage. Although our repayments took a hit during covid. So we at least paid the minimum. But work has just started back up for my husband. It's not full blast yet but it's steady. So hopefully we can start paying extra again really soon. The first house we owned we almost paid it off. The second one we used the equity from the first home to buy the second. Some of dave's lingo is a bit foreign to me as I'm in Australia. But I love what I hear and I love his humor. I can't wait to knock out the last of the mortgage though! 😄

[@TheLadyoftheHouse]

@@Mmolesy I agree, I think going through this has helped open the eyes of so many to prioritize what’s really important and where we would all like to be financially so as not to feel that squeeze if something were to happen again. He does have a great sense of humor!

[@terrystarnes4413]

Just sent a prayer that you will be able to pay off your home. Jobs are not promised & being able to put back a few months of income is a wise choice. God Bless you in 2021! ❤️

[@deannab9511]

Great motivation! Thanks

[@gerigowers8318]

A 35 minute ad...seriously, KZbin? My biggest fluctuating amount is food. For the next two weeks, my two Granddaughters will be totally virtual instead of hybrid at school. So, that means no free breakfasts or lunches at school for the two days they were getting it. This, after the two week Christmas break, so I can't predict what I'm going to spend for the month. Definitely been trying to pay down debt for the last couple of years, but for me, it's tough to decide which thing to tackle first. Looking forward to seeing what changes or challenges you and Jorge are going to tackle for 2021.

[@lune.etsoleil]

you are so everything making all of this really so beautiful and sweet but it is feel get so happy and sometimes inspiring to watching your video a lot!! love you Nikki and your video is making me lovely ✨💕

[@TheLadyoftheHouse]

Thank you so much, I'm happy you feel that way with my videos!

[@isabellabaig9763]

Very informative video, thank you! Do you have a link for the chair you're sitting on, on this video@

[@rhondaenriquez8049]

What a wonderful video Nikki. Thank you so much.

[@naturallynatalie468]

Happy New Year! Thank you.

[@TheLadyoftheHouse]

Happy new year!

[@Wendy08ify]

Happy New Year Mikki and to your family. Lovely and informative channel 💕🎇

[@amandascott7702]

This was so helpful Thankyou Nikki

[@Progamerjay100]

Not only was this helpful, it was inspiring.

[@stellatranchina9351]

I feel like this video was kind of helpfull , I cannot wait to pay off some expensives we have made , its just so hard to get them all paid off with all the every day expenses as we thrive into this pandemic. Thank you so much for takling a topic like this one.

[@susanspianostudio7057]

Thank you

[@fanirivers4505]

Beautiful dress!

[@s.l.6747]

Very useful video, thank you

[@Scowlingoverlord]

Yay good idea!

[@TheLadyoftheHouse]

Glad you think so!

[@lindarobertt6206]

Hi Nikki, The timing of this video at the beginning of this year is just perfect and showing us how you use this planner is very helpful and I hope to purchase this. Many people especially now may be facing financial challenges so perhaps you can do a video on ways you have learned to be practical with your finances. Thank you for inspiring your viewers!

[@DansonforJoy]

Thank you for sharing this, Nikki! 🤗

[@rachelruiz8399]

HI 👋 NIKKI I, MISS YOU HAPPY NEW YEAR 🎊 🥳🎉2021

[@Lafeolamom]

I am on disability so I pay all my bills st the beginning of the month so that I don’t forget any of them. My biggest expense is cable and Internet, it’s so expensive.

[@lisaaiello5873]

I hope your going ok; have missed you this week!

[@guadalupeg.arenas9003]

Hello love the videos..🌷🛍️🌺🌼🌸

[@TheLadyoftheHouse]

I'm so happy to hear that!

[@kayburris8464]

That is basically how i do mine. Thanks for sharing . Happy New Year to you Nikki. Wishing you all the best in the new year.

[@juliecarns]

Thank you for sharing this plan; I remember clearly the challenges of budgets for mortgage and and vehicle loan (once!) Much happiness today because my intense therapy for Lyme disease finally has me feeling a little better this weekend! It’s been a long 27 years of unexplainable symptoms and 30 some doctors but I appear to be turning a corner for the better a little bit. Happy New Year, Nikki! Julie 🌷

[@TheLadyoftheHouse]

I'm so happy to hear of this breakthrough for you, happy new year Julie!

[@reisrahova3108]

You are so Sweet so pacefull🌹

[@TheLadyoftheHouse]

You are so kind, thank you!

[@raymonatodacheenie725]

❤️