Jill's 2 Cents,This NEEDS To Be Addressed, You Probably Won't Like It!

[@hollysterrett104]

We will be totally debt free by July...wohoo. No house payment, no car payment and no credit card debt.

[@PlannerMemaw]

Way to go! I’m joining you by November

[@justpassnthru4887]

Enjoy!! It's a true blessing and can sleep well at night🤗

[@cherylT321]

@@SimplyBeautiful516 Yes it does!

[@jeannineduncan2982]

Amazing, congratulations 👏🎉

[@magenta4443]

I recently came across a video from a 20-something who lamented she could not pursue her passions in life because she had to work a soul-sucking job for a greedy corporation. There were all kinds of young people, not thankful for a job, but wishing they could travel, work only 3-4 days per week or help animals instead of keepitng their job. Seriously, young people today are indoctrinated to think they should get everything free and easy. It's a scary world of entitlement and laziness. It is such a refreshing reset to come back to your videos where a Godly work ethic and frugality are taught. Thank you so much!

[@floppybob1121]

I wish my relationship with my mom was like you and your mom. I love to watch you both and how you both have such a friendship and mutual respect for each other. Enjoy these beautiful times!!

[@teresauntalan6828]

You ladies are so right. I get tired of people complaining about not having money, but have the high end everything, The same goes for all those people who constantly complain about their health issues, their unruly children, on and on. I have been debt free for over 10 years and still have money to travel.

[@wynnkidsnannylorivance4111]

It didn't make me mad...and my grandmother, who died at 99 and 3/4 years of age, raised 7 children during the depression. My grandfather was a useless alcoholic who didn't do much of anything except drink. She didn't have a formal job. She didn't have one nickel to run against another in her dress pocket. They did own the awful tumble down home they lived in and the 1/2 acre it sat on. No indoor plumbing, no electricity. Water came in through a hand pump in the kitchen. Insects everywhere. Very few candles and lamps that didn't get used until it was necessary. She read the bible to her kids by lamp or candle light. She made money with taking in laundry and ironing and selling home made things. She grew everything they ate and bartered for things like milk and meats. She made lye soap from wood ash and buried food scraps for compost. She had a few chickens for eggs. She saved every single seed and regrew food from them. She mended everything and bought nothing except medicine when the kids were sick, and half the paid for it by bartering with the doctor. And with all this, she never complained. She said those were just how things were. She never drove nor owned a car. She walked every place she went. She said she drove a horse and buggy once, she didn't like it, so she figured a car was no good either! She was still charitable and shared what little she had with strangers who were starving but willing to still work for thier food. During war time rationing, she thought she lived like a queen compared to the depression and didn't see the big deal about having a few shortages. As she said, " I just made do." And this is what we need to do now. Make do.

[@jeannineduncan2982]

She sounds like an amazing woman!!

[@wynnkidsnannylorivance4111]

@@jeannineduncan2982 thank you. She really was.

[@katiebwheeler]

We are a single income home with 4 kids living according to government standards below poverty level. We chose to live in an old 2 bed 1 bath trailer for the last 7 years and have worked fixing it up along the way. We buy $1000 cars about every other year that my husband is handy with keeping running for a couple years. We live simply but have everything we need. We are getting ready to move from Oregon to join my dad in Texas this summer and able to buy a bigger house with a bit of land. If we can do it anyone can....

[@cherylT321]

@@topaz3468 That is absolutely awesome!

[@christinedehn3257]

When we were young you didn't even think about approaching a bank for a mortgage unless you had at least twenty percent for a down payment.

[@vidahappy-frugalspanglishv1528]

I can't help to say how much I love to hear both of you talk and give your 2 cents... it's like listening to myself, agree with both of you 100%😃👍💞

[@slm3913]

Love you two ladies! Love your tips. We are using your tips as retirees. We sold our house and retired to another nation. We did go with a house that had everything but it was so much cheaper by almost $350.00. We now are working on getting out of debt and living as simple as we can. Your programs have helped so much. A warm thankyou and may God bless your two families.

[@TXJan0057]

Everyone has a label and everyone is a victim of others instead of their own choices.

[@denisebiendarra5996]

Exactly. A relative on my husband’s side is a “victim”. I can’t stand to listen to her because she drives me crazy!

[@joanlogan7416]

Jill-Tawra you are both so inspiring. To me -God Bless you🙏& your gift of the spirit of the Lord♥️

[@oozy2002uk]

I used to think I needed to have a blog or a KZbin channel because people needed to know how to live modestly, truthfully, and righteously. Then I found your channel. You are saying all the things I thought I needed to say. I’m just happy being a subscriber! I thank God for both of you! Your lives are inspiring!

[@joannetaggart4136]

Love you Jill. Wise thoughts and words you always have. You and Tawra are a beautiful duo!💕💕💕

[@suec2117]

Thank you my thoughts exactly ❤

[@pamhall8499]

I agree 100% with you both!!

[@janusjoplin3987]

My Dad wouldn't buy anything unless he paid in full with cash. He went thru the depression.

[@BrianSmiley2306]

THE TREASURE YOU SEEK IS FOUND IN THE WORK YOU'RE AVOIDING...nuff said...

[@cindyshome32]

It's funny how people don't realize they need a downpayment for a house. Or they think credit shouldn't matter. Geezz people!!

[@susanfletcher3329]

When I got my place paid off some people were saying how lucky I was... I told them it wasn't luck it was work work work....They won't do what it takes to get there. It's wonderful that I have only the monthly bills....

[@LivingOnADime]

Oh telling me I'm "lucky" to have my house paid off REALLY ticks me off!

[@cherylT321]

That’s me; l have just two bills: The rent for my co op, and the phone, cable and internet, which is all one bill. That’s it!

[@stephanieporter6836]

Love you two!! This is exactly what some people need to hear! It all comes down to choices and priorities!

[@dawnmorandin541]

Well said.

[@abierliovas7827]

Thank you for the advises ❤🤍🧡💚💛

[@joannapatterson4625]

Most people don’t understand the difference between need and want. They’re too busy trying to keep up with the Joneses. When I was saving for my house I didn’t spend on anything. I bought on one income and it’s almost paid 7 years later.

[@joterry7928]

I've never heard of anyone saying they can't believe the bank wants a down payment! 🤔🤔🤔🤔🤔

[@lnbalance425]

I just have to say that your videos absolutely changed my life!! After listening to your videos at list 10000 Hours , now I think like you and i have your mindset. Thank you so much and thank god for show me this channel at age 26!!!

[@kftaylor6757]

Love you two! I drive a 2001 vehicle, have a great maintenance program & trusted mechanic! Has saved me tons! Have a great week! 👍☺

[@bethanyg153]

We bought with 0 down. I wanted to put 10% down, but they said just keep it. We qualified for 0% down payment assistance. We had to pay $90 a month PMI, but we had the house reappraised at 2 years. It went up $120k so we had enough equity. If we had waited we wouldn’t be able to afford any property here. 5 years later we could sell and pay cash for one in the Midwest.

[@bridgetbay8230]

Yes, this is what we did too. But I’m assuming you did this via FHA or some similar program-you can only do it once. I think it’s a good program for some people and wouldn’t have been able to buy for many more years without it, but it’s crucial imho that you can only do it once. Hopefully most people learn from it, that is take advantage of the benefit and start working toward financial freedom rather than squander it.

[@bethanyg153]

@@bridgetbay8230 yes, I believe you can only do it once. We had a conventional loan and a CA state loan for the downpayment. It really saved us in a couple ways to get conventional. We had a competing bid on the house that matched ours dollar for dollar. They had an FHA so they sold to us because conventional loans are faster and easier. It also allowed us to just pay for a reappraisal and the PMI dropped off instead of having to refinance the whole thing.

[@shelleymadu687]

This year we will be married 38 years and have owned 5 homes over those years. Some have had garages, other not. No “spare” bedroom, no granite kitchen counters etc. To many people now a days think they have to start at the top of the housing market. What happened to a starter home mentality?

[@patriciahazelton6091]

My cellphone from Metro was 69 $ and I am on a pre pay for 30 a month. I don't need an I phone

[@rachelkivarkis1801]

I enjoy, u ladies discussing any topic, and listening to u both. God bless u ,for enlightening them. On the other hand, we won’t forget to include them in our prayers. It is scary. 🙏❤️👍👏🤟🌟✝️🔯☮️

[@carolynromero4462]

One of your best! Many cannot be convinced to live below their means and still be happy. Those people have the mindset, spending unnecessarily makes them look good. It makes me sick seeing what the parents are giving and letting their children have Another generation of the same thinking but if and when times get harder, they will be the least equipped, mentally and physically to get by. I have not had a vacation my adult life, I skrimp, pride myself on being frugal, Pay $30.00 for flipfone. 'Saving' is not taught anymore sadly.

[@shareenj.2602]

You guys are so sweet. All so helpful. God Bless.

[@KnowInsanity]

Government has taught these young kids they are entitled (along with some parents) I know young couples living in houses they barely can afford (150k-250k) They still have jobs and are barely hanging on because their hours were cut back. The govt put them in these houses with zero down, 1 couple walked away with a check for 2500. I am still trying to figure out how the hell that happened! I suspect the mortgage payments are being deferred but dont know for sure

[@ClaireRader]

What people would spend on a cell phone is nuts. I spent less than 200 on mine and it's what I am watching this video on. I also work an internet based job on it with no other source of Internet.

[@vanessabrumage]

Shoot only if we've researched and know the phone will last a while, we don't spend over $300 a phone. Even if we have to go backwards a little in generations.

[@ClaireRader]

@@kathyharmon2093 we have also had an iPhone. We spent around $180 on it. It lasted several years. We like iPhones we just don't get the latest model.

[@mkhuntstreasure3192]

We live in a whiny society! It seems to be the standard for today’s young people.

[@carmendoyle9786]

Your mom is amazing person love hearing her talk ! 🇨🇦

[@karenrankin1396]

These kind of rent prices do not exist in Middle Tennessee. I had to sacrifice immensely but we never dis without necessities in order to still have a home. Rent on these parts is no less than $800-900. A mortgage is only more. I know it's hard but it can be done if you're willing to not eat out, buy alcohol, new cars, do buy discount and generic groceries, second hand clothes, etc. My parents used to Gove me bulk size shampoos, conditioner, soap, and some cash or clothes to wear to work/church (because I had an office job). On Saturdays I tried to go nowhere because into my early 30s I was still wearing high school clothes that still fit or bed clothes I'd had just as long. I wouldn't dare go out dressed that way. It wasn't socially acceptable 15-20 years ago. I'm grateful I learned to struggle. I'm grateful for the hardships and sacrifice because it has taught me patience. Even the desires of our hearts can be fulfilled by God if we are patient. We may have to wait a few years, months, or only days. There have been material things I wanted and wouldn't buy because they seemed frivolous and just as I accepted that I could live without some thongs He made it available to me, used at a thrift store, a friend or family member gives it to me. I think the key is to give your cares to Him. What sorrows you, joys, and pains you. He cares for you more than the birds of the sky. They do not worry yet He provides for them. ❤

[@darlenepaul2934]

You can buy excellent clothes at resale stores for cents on the dollar.No need to go years staying home and having no social life.I should know I raised 11 children on low income and they always looked nice and up to date.

[@candymeritt165]

I paid $30 three years ago for my prepay phone. I get a $40 phone card every month. One of my adult kids thinks they need a new phone every year

[@kimibowen8556]

I've had a prepay phone for years, and pay $40 month also. It does everything I need including internet. I don't understand why ppl pay hundreds a month and a thousand for a phone🤷🏻‍♀️🤦.

[@jonnaborosky8836]

I've been frugal my whole life. I've lived on low incomes, no income and also a really good income. I accepted my "lot" whatever it was and did the best I could. For years, it was a big mystery to me how people bought houses...but obviously, I knew it was possible. I just went on living frugally. (No bars, drinking, eating out, cigarettes, big vacations....just living) I'd always been saving all I could. At a new job, I heard a lot of 20 somethings talking about buying a house. I decided there must be a way for me to. I walked into a realtor's office and started talking to them. Before. I knew it, they found a house just perfect for me at an unimaginably low price (the seller had a deadline to be at a new job in another state and just wanted to sell.) I bought the house! It's been just wonderful! I was 58. All those years when I couldn't figure out how to afford a house, I didn't feel deprived, didn't complain about it, but I did notice others could. Maybe because I waited SO long, I was really prepared...prepared for all the expenses like new drapes, lawn mower, tools, seasonal furnace checks, patio furniture, etc. I made a list of all the needs and all the wants, prioritized them and started working on them. I got through the whole list of needs, (new back door, 6 Windows, basement water proofing, etc) and got great deals. Right as I finished that list of needs and looked toward getting my first "want" done, I became very ill...too ill to work after a short while. Well, I couldn't work anymore and had to go on disability. I'm very thankful for it, but it is low. I do the best I can with it. Your mom has been an inspiration to me...as I heard about how she counted out how many pieces of fruit to buy each week...! I'm not bitter; I don't feel poor. I'm content and thankful! I can go to extremes if I have to go save money. I think of it as a game or challenge! That keeps focused and looking forward to how well I can do. I think you're right. It IS a mindset. If people thought more about what they CAN do instead of what they can't do, I bet they'd find they can do a lot lot more. I'm very glad I bought my house when I did because I wouldn't have qualified after going on disability....or, it doesn't seem like I would have. I trust in God. If He wanted me to have a house, He'd have made it possible somehow! Enjoy your channel so much!

[@jonnaborosky8836]

@Bri A Thank you, but it's my goal now to move on. I love my little house, and I have a lot of support here, but the mortgage is 50% of income. The experience of buying and owning a home had been very good for me...I learned a lot, but it's time for me to move on. I have the opportunity to go live where I'll have no mortgage or rent and I'll still have a good support system because I'll be near multiple friends I've known for over 30 years. I appreciate your prayers so much! I'd rather you pray for my safe, swift successful, inexpensive move, selling my house for the very best profit possible, smoothly, and being able to set up house easily in the new place. There's a little chapel on the grounds that needs to be completed. I have no idea who there is to help me get that done or where the funds will come from, but I'm trusting God that if He wants it done, He'll provide both the people and the funding. Perhaps you can pray for that also, please. Again, thank you for all your kind attention. The Lord reward you richly for all your help to me! 😊

[@ashleybosvik3031]

You have to put your priorities first if you want a house

[@Brendabrenda1942]

Love your videos! There is sooooo much entitlement now days. When people ask us how we do it, how to get a job Iike ours, how we got our home and we take the time to explain to them how we are doing it, we get such a weird look in peoples faces. Almost like we said a bad word or offended them. It’s terrible how good ol fashion saving money and living below your means is so hard for some to understand. People are so spoiled now days.

[@eddieflowers7939]

As you guys were talking I was reminded of how you chose a home that would require work...you didn't express that you had to have a perfect move-in ready home. Your tips have been right on about changing how you speak, recognize how much you think you deserve, and how necessary it is to make wiser choices that would require saying no to self! Thank you. Gale Flowers

[@alesiadani3447]

Although there is lots saying they love you both I'm here to say the same. Lots of love and respect !

[@connieosburn6886]

Always live within your means ,never go for something you know you can't afford . I live in a rent to own ,but where we used to live the utilities was more than my new house is with utilities and mortgage togather. It was double and a old house . Now saving money in the bank 🏦!

[@countrygal3688]

I have always said to live below your means. Most people think living paycheck to paycheck is living within their means, then wonder why they can never get ahead.

[@eileenkillen1481]

Love your wisdom Jill. Hope you are doing well and in good health. I am in lock down in Ireland, so watching Tawra and her family is keeping me sane!! Thanks for all you do for our benefit. Stay blessed always. X

[@PlannerMemaw]

I have bought three houses in my life, all for no money down. The prices were $27,500, $42,000 and $52,000. I still own the $52,000 house and it will be paid off by November at the latest. It has taken less than 15 years to pay it off. I have an iPhone but not the newest one.

[@barbarawilliams979]

I so agree with you!

[@ClaireRader]

Wise words!

[@misswaffles2011]

Just save a bit. My husband and I are going to start saving up for our down payment soon. We have 10 years until he gets out of the navy. We should qualify for a no down payment loan however I feel like 20-30k down can’t hurt.

[@sephardishalom2693]

Blessings beautiful beautiful family! Hello Mama Jill!

[@emilykinney9636]

Amen Sisters!❤️❤️😊

[@floppybob1121]

CUT THE CABLE!!!!!

[@anewbeinging6115]

Amen!!!! Finally someone agrees with my thoughts about money and telling their business. I DON'T WANT TO KNOW.

[@grinning_owl]

Those who won't sacrifice now to afford a down payment for a house, will not sacrifice later to make the mortgage payment for that house. The bottom line is, sacrificing must begin now and must continue until the mortgage has been paid in full. The best type of home and land to purchase is one that has rental property on it. That way, the rent money can be added to the mortgage payment, so they loan can be paid off sooner. The rental part of the property can be such things as a "tiny house" a camper, a mobile home, or a room over the garage. Keep that in mind while shopping around for a home. Once the home is paid for, the renter can then be evicted, or just wait until the renter voluntarily moves out.....or dies. In the meantime, the rental income can be used to pay property taxes, home owner's insurance and/or repairs. Or it can be spent on eating and/or dining out.

[@bonitajordan6825]

As a subscriber I want to thank you for such good common sense advice. It is possible to survive in tough circumstances. You have to want to listen, learn, make sacrifices, better decisions and formulate a plan of action. Stick to that plan, make changes where warranted and keep going. The world doesn’t owe you anything.

[@denisebiendarra5996]

The more secular society becomes (the farther away from God) the less personal responsibility and other moral values there are.

[@tshet3472]

Tawra your hair looks so good I've been watching you guys for quite along time now and all your advice has helped in so many ways im out of debt and can stay that way thank you

[@michelthor4117]

My first home loan I was single female at 32 years old and I put down 6% on a brand new 86k home. Worth 300k now. Then I got married at 35 years old and we did a construction loan and put 20% down. The construction loan was 30k down and we had to sell he's 1980's Porsche 911 and my home to help come up with the down payment. We both had good jobs and good credit but we had to come up with 20%. 🤔 I think you still can get a first time home loan for 3% or 6% down? VA loans nothing down? A lot has changed in 25 years when buying a house. I would wait and take advantage of when the market dips. Homes right now are over inflated in my opinion.

[@glennoconnor2980]

Get it together people!!! Know this.....YOUR "BEST" THINKING GOT YOU HERE!!!

[@priscillabohn4621]

when we needed a floor replaced. I mean the floor from the shower I went to Lowes and asked for their throw away wood and replaced it. We saved 3 years worth of change to get a newer, but frugal fridge $600 I make my own ice. Our change paid for that. We have 3 more years of change saved now for when our washer goes. It is 18 years old lol. I just stuffed my cushions on my 12 year old couch because I would rather pay those hundreds of dollars on a bill.

[@1218kimber]

The Bible also says not to owe a man anything. Which would include a mortgage.

[@dmssystems]

We have lost the distinction between wants and needs. We seem to be having a national poor pitiful me party.

[@carolmapp7113]

Good lessons for young people! You can't have everything, if you want a house make the sacrifices.

[@catholicfaithofmine2664]

Its worse right now selling your house. People expect everything to be brand new in the house. People complain about the dumbest things as well. My daughter just went through selling and buying. It was a nightmare on both ends. Peoples expectations are so unrealistic. I got my small house on a teacher's loan from a.program through my bank. 0 down payment. Talk to your Realtor you may be eligible for HUD as well. Talk to your bank as well to see whst types of mortgages you may be eligible for. You would be surprised as to what's out there.

[@matthewrenner8283]

I agree with your comment on the house loan but just curious your thoughts. Why do banks want to loan on depreciating assets like cars to bad credit risk borrowers but not houses. The car immediately depreciates in value by half if they have to repossess where as the house should be appreciating with inflation if they have to re-possess. I don't understand the logic or business model.

[@matthewrenner8283]

Passion for His Peace thanks

[@priscillabohn4621]

hubby and I had parents during the depression. My parents were horrible with money. My husbands not. we are considered highly educated low middle class but I see how people live is how they feel. our son who watched us struggle, but make it through with the power of prayer and faith and frugalness. we bought 4 acres and a nice sheetrock mobile home. 30 years ago for less than $50,000 it is now worth $150,000. Even with prices on homes and land higher they can still do it. our other son is not frugal but his wife is.

[@barbt.1171]

Soo true. Priorities count.

[@pennyleech3104]

The lowest in Prince George Maryland the cheapest apartments is 800 to 1000 dollars or 2 our 3 hours away there are places that you can not get cheap place. It take a lot of hard work to get my house how was not worth much 57 and fix it up.

[@stephaniecruz8260]

Spot on, so true

[@priscillabohn4621]

NO WHINE ZONE lol We don't pay for anything unless it is a need. and sleep on it.

[@sharonbeshore9080]

I soon agree with you girls!!!! Lived like all 50 years I'm married and we still live very frugal.

[@libbynester1814]

Good to see you, Jill. You and Tawra always bring up good points. A lot of young people I know spend a lot of money on phones, nails and tatoos. And then they don't have money for their necessities.

[@einzgeisha]

Love this episode! Yes it is a mindset and people's choices. People are choosing where their money goes instead of consciously placing it on their down payment. my 2nd sister who lives in Oregon a few years now (we are still in California SF bay area), we talked the other day on the phone and she discussed choosing where to live in Washington, Oregon, or back to California. she doesnt want to come back to CA and is leaning more toward Washington or staying in Oregon. and we discussed her downpayment which is really good. she's now at $30K (a 10 percent down payment) and plans to stay one more year in her apartment to keep adding to her down payment so that once she's ready, she and my niece will have a home. She is consciously putting 1500 a month aside . Fortunately, with internet, she is working from home as a science teacher (1 full time job and 1 part time job both from home) while watching my niece/her daughter and being super frugal.

[@opchick0597]

It is def a mindset. If someone really wants to get out of debt, buy a home etc, they will find a way to do it. It seems like more and more people are actually enjoying complaining about how impossible their situation is. Very few people will even consider a part time second job, which in the 70's and 80's quite a few people had a part time second job., At least the people I knew. One of my friends worked 8 hours at mcdonalds on sat mornings. Her kids were with dad, and the $ she earned they used to pay for renovations on their old house. They purchased their home for $6,800....(it was liveable, but a total mess), they sold it after 10 years for $133,000 , then paid cash for their dream home. All from 1 extra day working fast food! I must add, my friends hubby is very handy and did all the remodeling, roofing etc by himself.

[@colorsofavon934]

Love Mom's tips. Always helpful.

[@doloresworthley1013]

Ladies just love your common sense keep it up.

[@amyroberts1613]

I thought you guys said "sail boats" when you said "cell phones." Haha.

[@peggyoconnell3733]

Great tips, as always!

[@priscillabohn4621]

I agree, I am strapped, but I made these bills called credit cards when my husband lost his job and worked as a substitute Teacher and in the summers we worked the summer schools to pay off our home. I used credit cards after we ran out of money. I am retiring and hade 8 credit cards. last year I started paying off these cards with a vengance, as my knee arthritis is preventing me to work past this year. We stopped anything and everything to pay these off. I am now down to 2 credit cards!!! and I am a teachers aide. I owe $6,000 May 28,2021 is coming awfully quick, but they will both be paid off by then. You need to pay your debt. Sure I didn't want to, but you have to and I just pulled my big girly pants on and sticking to it.

[@darlenepaul2934]

Good for you!

[@stacykroeger3301]

Mrs Jill, you remind me of my sweet Mama. I love watching y'all. I grew up like this

[@jillcooper172]

Awww thank you Stacy.

[@DoItFrugal]

I was 26 when I bought my apartment. For 3 years before that I worked 3 jobs to save up my down payment. I lived on the bare minimum to make it work. In the 7 years after that I’ve paid off half of a $350,000 loan (AUS) and hope to have the next half paid off even faster. I’ve never had a car payment or even a standing balance on my credit card. If I can’t pay cash for it, I don’t buy it. I mostly buy from thrift stores (or as we call them Opportunity Shops), my house isn’t filled to the brim with stuff, I keep my living spaces neat, tidy and well maintained. There’s a whole lot of people out there who want to eat out, spend money on stuff they don’t need and can’t afford, make 0 sacrifice and expect to just get things because they want them. I still get told how ‘unfair’ it is, that I own my own apartment and they are ‘barely scraping by’ and rent is becoming so unaffordable but first time buyers and families are being forced out of the market by investors. When I know for a fact that this isn’t true and they earn more money than I do because they have told me. You have to make a choice, what do you want more to own your own home or to keep your current lifestyle?

[@katsfarm2062]

Love you and Mom's videos so many good ideas

[@arthurleslie9669]

Actually ... Armed with the proper knowledge, you can purchase without a down payment. I’ve never paid money down on any of the houses I’ve purchased over the years. Plus, paid off the mortgages early.

[@brightstarr57]

Great video as usual!

[@AMarie_Mooch]

People save up for a rental deposit of first, last and security yet somehow cannot save for a house downpay. I've never understood that 'logic'. Granted, I know 20% down is ideal, but if you are frugal, conservative and do not want a mega-mansion and stay well below your means when buying a home, you CAN do an FHA 3% down loan and get into a home that you can afford. Problem is- people want way way more so they can show off to others. Makes no sense. I've owned two homes (not at the same time) because I didn't need the fanciest, best house- I just needed a solid, clean house period.

[@alycer.8158]

Gosh I love you!!!! Tough love handled in a gentle way.

[@passionforhispeace1194]

Even better than a down payment would be paying cash for the house free or at least paying enough down to avoid mortgage insurance. Rent until you have enough saved up for a large down payment and also have enough emergency savings to pay for all the inevitable repair emergencies that come with home ownership. You want to own your home, not have your home own you. We have no regrets about paying off our home as early as possible! Dave Ramsey was right! :)

[@pamelaanis715]

Right on ladies!!

[@gloriapeel6887]

Much wisdom!

[@helenegeler8407]

I truly hate how many people feel "entitled" to have a new...or I "want"/" deserve " something. And Expecting somebody else to give in to them all the time to pay for it or grump grump being broke but they had to have xyz! My kids pay for iPhones and a payment to buy the phone itself. To me that just seems a waste of hard earned $$, especially since they have lap tops too. I have a $30 a month cell phone bill, bought the phone outright for $50( which I didn't get anything cheaper at the time, afterwards mad because I could've got it for $35 another store,ugh!). Commercials do "hard sell" advertising and we're getting brainwashed by them. What I am entitled to is a debt free life, and I work very hard to try and keep it that way! Occasionally, back slide. I don't grump to anybody, I grump at myself and pay the bill. Accountability!

[@kathybullmer8884]

Thanks for sharing your videos.

[@summerrose4286]

I love you Jill and Tawra. The only thing you are lacking is excuses.

[@susanprivate3551]

I LOVE the tree decoration’s!!!

[@appletinImom0f5]

Just save money buy a house right out problem sloved :)

[@SaneMillennial]

8:30 very true. people just dont want to look at their lives honestly and see how much we waste on things we dont really need. i use a cellphone until it stops working and this last time i looked on ebay for deals and still got a great newer phone, a samsung galaxys10e for only about $300 when it retails for around $800 brand new. You can find deals even on the more expensive stuff by shopping around online or via local deals in ur neighborhood.

[@kstraigh5991]

I have to say that both of you have beautiful hair and the makeup you use is very complimentary to your complexions. I'm curious, do you cut your own hair? Tawra I'd like to know what makeup you use if you would want to share.

[@LivingOnADime]

Thanks! My makeup kzbin.info/www/bejne/sJW0e5mkf6-pe6s Mom's makeup kzbin.info/www/bejne/Z5mqf5SloLScoNU

[@lorayejones1203]

Jill love your sweater. I live in Virginia I doubt we would meet, I can wear mine anytime. Wearing dark pink today. Usually wear blouse underneath especially in winter. Love your comment on saving for down payments.

[@KarensKorner]

Just a comment about rent. I live in MA rent is like $1,500 a month. I do agree with you though.

[@TeacherBeesABCs-123s]

It’s a hard pill to swallow but I appreciate hearing the truth. It’s love when someone tells you the what you need to hear versus what you want to hear, thank you!😘

[@gloriapeel6887]

True

[@margaretbedwell58]

Jill, I think folks have gotten on your last nerve. LOL. Great video ladies. Hope this wakes some of those folks up if they really do want a house. Have a Blessed day.