Let's Pay DEBT with Savings Challenges! • How much can we Pay?

Today is all about Savings Challenges vs. Debt!!
I am so excited to update you on where the new debt we took on in February is!
Starting Balance: $8320
Today's Balance: ????
Numbered Paper Clips: amzn.to/3VICbAt
Want to purchase something from my Etsy store? Please use this link to save me Etsy fees: snowgardener30...
#debtpayment #debtfreegoals #savingschallenges
Join my membership to get monthly freebies, exclusive videos and more!
/ @snowgardener307budgets
ALL MY SAVINGS CHALLENGES:
March Binder- ‪@JanellRaeBudgets‬
9. Purrger ‪@lizandless‬
10. Self Affirmations ‪@ChampagnesCorner‬
Christmas Cuties Binder - ‪@CraftCoBudgets‬
Snowflake Christmas Binder - ‪@JanellRaeBudgets‬
1. Puppy Snowflakes -Rami ‪@budgetpaparazzi‬
2. OCD Christmas -Dani ‪@CraftCoBudgets‬
3. Hot Chocolate -Tracy ‪@GoldenGirlBudgets‬
4. Merry Flocking Christmas- Wren ‪@MischiefManagedBudgets‬
5. Snowman ‪@JanellRaeBudgets‬
6. Christmas- Jessica ‪@gpsoddsends‬
7. Fir Sure -Liz ‪@lizandless‬
8. Holiday Savings Challenge- Yazmine ‪@OfficialBudgets‬
9. 12 Days of Christmas- Vida ‪@MirandasBudgets‬
10. Holiday Cheer -Champagne ‪@ChampagnesCorner‬
11. Double Sided Christmas- Judy ‪@savewithjudy‬
12. Gingerbread Cutouts- Wren ‪@MischiefManagedBudgets‬
Gemini "ME" Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
All of the challenges in this binder are from my Etsy shop
www.etsy.com/s...
Red Savings Challenge Binder
Year of the Dragon ‪@JanellRaeBudgets‬
Weekend Getaway ‪@Girlmommabudgets‬
Sushi Did ‪@lizandless‬
ALL BUX- ‪@reinventingrene‬
Blue Glitter "Full Size" Savings Challenge Binder
The Life of a Pig *
Pop It! *
Life is a Beach *
Shut the Box- ‪@reinventingrene‬
2024- ‪@TheALMOSTOrganizedOwl‬
*= Use the link above for my Etsy store to find these products
Shiny Silver Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
The Great Aussie Scratch Off- ‪@CraftCoBudgets‬
Suitcases- Plan to Plan Sticker Co.
Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was ........
The above numbers include our mortgage
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💌S N A I L M A I L:
SnowGardener307 aka Marlene
PO Box 281
Pinedale, WY 82941
EMAIL for Business Inquiries Only:
[e-mail]
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DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.

[@angelaromero2542]

What an Amazing video!!! Congrats on making a $511 debt payment, that's so Great!! I agree every little amount counts... just look adding everything up and it's hundreds into debt. Thank you so much for inspiring and be Awesome always!!! ❤❤❤❤

[@SnowGardener307Budgets]

Thank you so much! Yes...dollars add up when you don't give up!!

[@bethbeckwith7928]

good job - those little amounts did add up in the March binder.

[@SnowGardener307Budgets]

They sure did! It is amazing how they add up!

[@Chatty-KathyBudgets]

💜💜💜 Love love love savings challenges for debt! 💜💜💜

[@SnowGardener307Budgets]

Thank you Kathy!!

[@thecannytally]

Hi, just found your channel. Im on a debt free journey too so looking forward to picking up tips from you xx

[@SnowGardener307Budgets]

Welcome!! Thank you so much!

[@BeccaBudgets777]

New subbie here! So glad I found your channel! I’m headed to your Etsy to purchase some savings challenges!!!🎉🎉🎉😊

[@SnowGardener307Budgets]

Awesome! Thank you!

[@PamW98765]

Love watching all these savings challenge games!! Doing a few of my own as well! 😊

[@SnowGardener307Budgets]

This is awesome Pamela! They are so much fun!!

[@Navigating30Something]

36:37 had to watch through the debt update and I do love the song!!!! ❤ great video Marlene so nice to see the debt payments!!!

[@SnowGardener307Budgets]

Thank you Kayla!!

[@budgetwithmamabear]

You inspire me with my debt payoff journey! You did great this month💕🐻

[@SnowGardener307Budgets]

Thank you so much! You are an inspiration as well!!

[@Budgetinpurple]

I can't wait to see the April binder! Watching you plow through debt like you do is truly inspiring ❤ Enjoy your evening!

[@SnowGardener307Budgets]

Thank you so much!!

[@Ahorraconcris]

Wow ❤😮 i like your video ❤😊. Love from Spain 😅😂❤

[@SnowGardener307Budgets]

Thank you so much 😀 Oh Spain! That is on my travel bucket list! We were supposed to come in 2020 but of course the world shut down!!

[@thefeistyone7178]

It's so awesome watching you take down your debt! So happy for you!

[@SnowGardener307Budgets]

Thank you so much!!

[@Colourfulbudgetsuk]

Loving the video, what a big debt payment, I’m sure you are going to meet your goal for the debt payoff. Looking forwards to see April’s binder.

[@SnowGardener307Budgets]

Thank you so much! I am so happy with how much we have been able to get paid down on this debt!

[@coldcountess]

Hello, great video, Marlene !!

[@SnowGardener307Budgets]

Thanks so much

[@budgetwithlisa2024]

Shut the box looks so fun! Would be great for family game night 😊💙

[@SnowGardener307Budgets]

It really is! Mr. SG307 bought me the actual game for Christmas. We have the 4 player version! SO much fun!!

[@budgetwithlisa2024]

Gotta look into getting it 😁 new subbie 💙

[@savingwithvane9093]

Good morning Marlene... great job using ur saving challenges to pay debt... like how at the end you keep track of all challenges finished 35:46

[@SnowGardener307Budgets]

Good morning!! Thank you so much!!

[@BudgetwithVee]

This was so fun !!

[@SnowGardener307Budgets]

Thank you Vee!

[@jlkuttler]

Awesome debt payment!

[@SnowGardener307Budgets]

Thank you Jessica!!

[@samanthaflores6860]

My older son was born the year of the dragon to

[@SnowGardener307Budgets]

Wahooo! 🐉🐉🐉

[@lorenemapps5000]

Hi new subscriber, love that you are finding a way to pay off debt.

[@SnowGardener307Budgets]

Hello and welcome! Yes...we are still working on debt because life keeps throwing curveballs! LOL

[@TracyBirds]

Well done! Happy long Easter weekend (4 beautiful days off here in Alberta). 🐰🐣 🌸

[@SnowGardener307Budgets]

Thank you Tracy!! Wow...4 days? That is amazing!! We don't get a holiday for Easter, so it is just a normal weekend for days off. BUT it is my weekend to work! LOL So here I sit Easter morning at 321am responding to comments! Have a great day!

[@TrishaAnderson926]

Woo Hoo! Awesome debt update! 🎉🎉🎉

[@SnowGardener307Budgets]

Yay! Thank you!

[@patcole1537]

Awesome payment Marlene!! Glad to see Shut the Box back. Also love the Plinko type game. Have a great night 🎉🎉🎉

[@SnowGardener307Budgets]

Thank you so much Pat! Yes...I missed STB!!

[@deannaedwards1147]

What a great video❤ I decided to play my Life's a Beach book with a randomizer twist! I am playing 6 at a time. I roll a dice and play the page that comes up😊 I LOVE THAT BOOK❤❤❤❤

[@SnowGardener307Budgets]

That is awesome! Such a great idea!! I am so happy you love the book!!

[@nicolethomas9]

Good morning love the way you are paying your the debt paying out I really want to buy a Janell book they look so fun and colorful

[@SnowGardener307Budgets]

Thank you Nicole! Her books are so much fun!!

[@Ranii1000]

I love succulents! I grow them here in Australia. That one would be great for my garden savings. I wish shipping to Australia wasn't so expensive. We don't file tax' til July 1. Thats start of next financial year for Aussies!

[@SnowGardener307Budgets]

I have a hard time growing succulents but I love them! Yes...the shipping is dang expensive for sure! If you do decide to order something from me I always add extra challenges to try to help make up for the shipping cost!

[@stankfamily]

Awesome savings challenge video!

[@SnowGardener307Budgets]

So many fun challenges!!

[@amycook5009]

Great video ❤

[@SnowGardener307Budgets]

Thank you!!

[@TheBudgetPrincessa]

Great job 🫶🏽🫶🏽

[@SnowGardener307Budgets]

Thank you!!

[@kittyface7kat327]

Great savings Marlene. :)

[@SnowGardener307Budgets]

Thank you!!

[@valarieharding9498]

Hi Marlene, I just visited your ETSY shop and I love the life of a pig savings challenge book and life's a beach savings challenge book and also the four seasonal scratch-off savings. I would love to know how can I get them. I live in the Bahamas. Please help. Thank you.

[@SnowGardener307Budgets]

Hello Valarie! I ship internationally all the time. I have not shipped to the Bahamas before, but I don't believe it would be a problem. I do know that international shipping is quite an expense, but I normally add extra challenges to try to make up for that expense!

[@valarieharding9498]

Thank you very much. I will be ordering soon.@@SnowGardener307Budgets

[@SnowGardener307Budgets]

Sounds great!!@@valarieharding9498

[@Ranii1000]

Purger. OMG cute!

[@SnowGardener307Budgets]

Isn't Liz just the best?

[@SweetandSassyBudgets]

Great video, what a great debt payment! 💜

[@SnowGardener307Budgets]

Thank you so much!!

[@delorisjones7729]

can someone help me understand how taking money from one challenge, , and putting it in another is saving , if you are using the same money. I am new and trying to learn by watching all these videos. I love them, you guys rock at this.

[@SnowGardener307Budgets]

Hello Deloris! I am not sure what you are referring to. I do not take money from one challenge to another. I take money out of my savings challenge envelope which is money I budget for each month and get from the bank on my payday. I only get paid once a month, so I do withdraw enough money for the full month of challenges. My money is only used for 1 challenge and then it is moved into whatever category it is needed for, whether that be debt or some different goal. Could I take that same money and make a large debt payment or move it into a savings account at the beginning of the month? Yes, I could, but savings challenges and games help me stay motivated to reach my goals. I hope this helps.

[@delorisjones7729]

@@SnowGardener307Budgets I can see doing the games is so much fun. I have alot of them coming to me. I have been doing the 100 envelope challenge but, that is hard. I think I will play and when one game is finish I move it to the n, I am not sure. Thank you. Any suggestions is very much appreciate.

[@SnowGardener307Budgets]

@@delorisjones7729 the first challenge I took on was the 100 envelopes and it took sooooo long!! It took me over a year to finish it. I wish I wouldn't have started with such a big challenge! LOL...I love the idea of playing games and doing smaller challenges to fill your 100 envelopes. It will give you the small wins that you don't get from the 100 envelopes!

[@KaySoBlessed1]

Happy Thursday Marlene!😊

[@SnowGardener307Budgets]

Happy Easter to you Kay!

[@stankfamily]

Incredible payment🤩

[@SnowGardener307Budgets]

Thank you Charla!

[@thebubblystuffer]

Here watching while crafting 😊

[@SnowGardener307Budgets]

You are the best!!

[@samanthaflores6860]

I love your video 📹 ❤️

[@SnowGardener307Budgets]

☺️☺️

[@veraruthbudgets]

Amazing debt payment!! 🎉

[@SnowGardener307Budgets]

Thank you!!

[@rackiahlyons6392]

❤ saving vids. Where did you get your number paper clips from.

[@SnowGardener307Budgets]

Thank you!! Here is the link for those paper clips! amzn.to/3VICbAt I am going to order a second set now for my Christmas Binder now that I know how good they are!!

[@rackiahlyons6392]

@@SnowGardener307Budgets hello for some reason when i click on the link you send me. It goes rt to my cart but no paper clips pops up. Whats the correct wording for them and i will try to look them up. 🤣

[@theresa37ish]

@@rackiahlyons6392 I’m not too sure if these are the correct paper clips, but I found something on Amazon called Midori Brass Clip Number.

[@rackiahlyons6392]

@@SnowGardener307Budgets found them ty

[@kaylamitchell1009]

You didn’t grab the cash out from the catch all.

[@SnowGardener307Budgets]

OMG...you are right! I just looked and that is another $21 down! Thank you! I had already put the binder away with the others! Great catch!!

[@KornQuakes]

I was thinking the same thing!

[@Goldenbudgetsavings2]

@@SnowGardener307BudgetsI wish someone would send me some savings challenge games I don’t have a printer that works right now I do I don’t have ink and I’m broke. Don’t have any free money.

[@Eeveebreeder91]

Where did you get the cute numbered clips?

[@SnowGardener307Budgets]

Here's the link! ❤️ amzn.to/3VEyhZ2

[@toebeanbudgets]

Awesome debt payment

[@SnowGardener307Budgets]

Thank you!!

[@shonnebailey]

Go Marlene 🎉🎉🎉

[@SnowGardener307Budgets]

Thank you!

[@Lifewithmrsvee]

Hello marlene❤

[@SnowGardener307Budgets]

Hey hey!

[@MacKenzieRabb]

Just a head's up. The dot markers really do need to be stored horizontally. Storing them vertically, in a jar like you are, will ruin them quickly.

[@SnowGardener307Budgets]

Uggg...I was afraid of that. I need to find some better ways to store my markers and such! LOL...an excuse to buy more organization stuff! LOL

[@PatinaDeVilleDesigns]

Hahaha “How Purrrrrfect is that?” 😂👏

[@SnowGardener307Budgets]

🤣🤣🤣

[@cmpprince]

I'm a total dice dragon. I couldn't have said no. 😂

[@SnowGardener307Budgets]

Hahahaha...I love dice. If these would have been sets of dice I totally would have taken them. They were all D6s and I have a ton of those!

[@Mysticsoul77]

🤗💚💵✉️Great Job, things are looking up💪

[@SnowGardener307Budgets]

Yes they are! Thank you Lori!!

[@angbudgetanddebt]

Congrats on over a $500 debt payment!

[@SnowGardener307Budgets]

Thank you!!

[@samanthaflores6860]

Cutie coin bank

[@SnowGardener307Budgets]

Georgette has been a fun character for the channel.

[@elainerealized]

💙

[@BudgetingwithTracey]

😊😊

[@SnowGardener307Budgets]

😁😁😁

[@DuckyBudgets]

❤❤

[@SnowGardener307Budgets]

😍😍

[@christyross8337]

❤❤

[@SnowGardener307Budgets]

😍

[@tammybowen5307]

❤❤❤❤😊😊😊😊

[@SnowGardener307Budgets]

😍😍😍

[@PedigoBudgets]

💕

[@SnowGardener307Budgets]

💖💖