How We Paid Off Our Debt

[@LivingOnADime]

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[@irenebaker8263]

Oh and this is my second comment....forgot to mention it in my intial comment....Twara thanks for letting Mike tell as much of this story as possible. We know your personality (not trying to be mean here) and i just love when you smile and just let Mike talk. I feel as a guy/husband he has a powerful message that needs to be heard! Hope I said that ok.....love you both!

[@RandallHallKaizenReiki]

Recognizing your weak spot and working around it is the true sign of maturity. Kudos to both of you for being a great example.

[@karenewald5451]

Yesterday I watched a KZbin video about a young women who was a single mom at 18. Complaining about living on minimum wage. Years later she is still working at McDonald's, on food stamps, and other benefits. Always blaming everyone else! You did great taking responsibility for your own mistakes and circumstances. Thanks for sharing your story.

[@mariaolker]

Love the Valentine's tree!

[@diane5819]

I've lived my whole adult life making wrong financial choices. I too thought I was being responsible so many times, when in fact, I was not.I finally have a plan and I'm in month 2 of sticking to the payoff plan. Can't wait for the series. Thank you

[@hayjay1130]

Me to my lively but the main thing we are changing our habits thanks to the university of you tube 😂😂😂

[@lindsaysimplified]

I am so excited for this series!

[@heathernewland2495]

Thank you . you guys are my prayer I was needing from God. Thank you I feel hopeless at times my husband is on disability and I am the only one working. And I have take care of everything because my husband unable to. I get so depressed at times I want get out this debt so bad. My dream is to have a house so my grandkids cand come over and I can teach them. How to garden and how to fix stuff I live in apartment in a bad area. And we don't go out side much when they are over. Thank you for everything you do and God Bless you. 💖

[@saffronskies223]

You’re a great couple. I love hearing your stories.

[@barbarawilliams979]

This is going to be exciting! Been there, done that.

[@margaretbedwell58]

Great show guys....this will help many out there that really want to be debt free. Thanks for sharing. Have a Blessed day.

[@denisestott328]

You know, people say " oh that was 25 yrs ago". Well, that was 1996 not 1950. I remember what it cost to feed a family of 6 and now it cost more... 25 dollars a week in 1996 for groceries was not much. Congratulations to you for being able to do it.

[@TheSchenectady]

I must say, your home looks so warm and cozy with the tree in the background and that "fireplace". You all are a comfort to me. God is so good to us, yes?

[@beverlyparadis5128]

So proud of you guys!! You were wise beyond your years!!

[@Thehappyhomemaker]

My husband and I were homeless before as well. Before we got married.

[@danielletriail8837]

I loved it when you do these videos! Informative and helpful information!

[@Thehappyhomemaker]

Thanks for sharing your story. It's inspiring and gives me hope.

[@hermit.masteroflight5970]

That's the thing.. I always paid everything even if I had no money left to eat, and it was not until my 46 life year that I learnt that you can agree on monthly payments with most companies if you do not have the money. I also did not know that before.

[@hermit.masteroflight5970]

Thank you soooo much for sharing your experience. It is gold worth. I grew up without my parebts' support and had to get a life all on my own. Nobody ever taught me the things you teach in your channel. I am learning a lot. Thank you for enriching my life 😉. Best regards, Lior

[@kittyobrien393]

I have been very lucky in my life that I have been comfortable and for the last 10 years or so been debt free. I love watching your videos. You can always learn a new tip. But the most wonderful thing is that it is so inspiring. Don't you love to walk out of a movie and be so inspired to take on the world? Your videos do that for me.

[@1943sumrallgirl]

I am looking forward to your series on getting out of debt. If I ever get some extra pennies, I want your cookbook.

[@naomipatton6976]

I am so excited for this series! We are debt free except the house. We are excited to work hard to pay the house off but it can feel overwhelming since we owe $230,000 on our house in California, which is an inexpensive house in our area so we are grateful for that.

[@kathymathews2804]

I'm soaking in every word. Thank you both for being so open and honest! And Tawra....you look SO HEALTHY!!!!! I hope you will consider keeping your hair the way it is after the pandemic. You look FANTASTIC!!!!

[@sharonmariec]

You are such a real and practical way to succeed! Thank you 😊

[@debbiekoortzen1154]

You two are so inspiring. I enjoy your show so much, thank you! Lots of love from South Africa. 🌻🇿🇦

[@meadecountylocal]

This was a great video thanks for putting so much value

[@bernicehopkins9704]

Y'all are so real !!!

[@reginam8570]

Thank you for doing a series on this! So grateful

[@erickf899]

Great Story!! Love be encouraged by you both sharing together!!

[@alycer.8158]

Fantastic Vlog!!!! 👏👏👏 I get so inspired with subjects like these especially from your channel.

[@cyyoungable]

Loved the example of you two using your individual skills to reach your goals

[@eileenkillen1481]

Love this, I am learning so much about budgeting from you two! Thank you for all the advice and tips 🙏👍💐🇮🇪

[@brightstarr57]

You two are amazing! Thanks for sharing your journey to getting out of debt! ❤

[@izabellaparuit8020]

great video! I love how you guys can laugh at it and make it funny (even though its quite serious) - your experience stories are very educational and make me hate debt more!

[@NoTrashInHeaven]

Great teamwork 👏 Way to *learn * to work together, and be gracious and forgiving when mistakes happen ❤

[@kayekaye9258]

I just love the two of you Appreciation from Eastern Kentucky

[@youtubehandle-]

Great info, thank you! ❤👍

[@karinklapproth866]

This is very interesting! Looking forward to the series. Take care🦋💗

[@wayfarinstranger2444]

I took over the accounting part of the household, and that is a great tip...count the balance as zero when there is still money in it! Really hard to do when paying off debt, but once you are close to paying it off, keep over a thousand as cushion..NO CREDIT CARDS as cushion!!!😊

[@kathybullmer8884]

Looking forward to watching your videos on get debt free!

[@michelesimko7541]

These days emergencies are also expensive $2200 new hot water electric heater

[@findingaway5512]

Yeah I think if you are below a certain income amount hospitals can write it off or discount it significantly.

[@99zanne]

My mama taught me to keep a “pad” in the bank account which seems to be similar to your $1,000 = 0 idea. I’ve always done that and sometimes more to avoid fees and the like from the bank. I also always have a bit of cash on my person as well as identification - not in my purse - on me.

[@lovinitall6639]

Same here

[@michelesimko7541]

Smart on you I need to do that also. Ty

[@irenebaker8263]

I think what is most helpful here is the fact that you both recognize your strengths and then work together as a team.👍 At this point in your story had you heard of Dave Ramsay? Just curious as you mention the $1000 emergency fund. And I believe this is step 1 in the baby steps!

[@LivingOnADime]

Yes we know of Dave Ramsey but this was before he was known so we just came up with it on our own.

[@michellehochstedler7809]

My husband and I do 50 dollars a week, that is including extra food for stock , I make basically everything from scratch. people waste alot of money on precooked frozen foods. Most of the fruit and veggies I do not get or less they are on sale and If I have extra room in my budget that week, And you know I can still make really good healthy meals , people are just sloppy with there money and eat their retirement.

[@elizabethleedy4386]

Thanks you two!

[@amytursky]

Hospitals don't always give cash payments a better deal. In 2017 I had a surgery that insurance said was covered then changed their minds 6 months later. The hospital said I owned 1,500 more, because it was an uncovered procedure, even of I paid cash. If I paid over time they would charge 5.6%. I'm retired and used my I RA to pay for it in cash. I got a big tax refund in 2018.

[@kathleenarapoglou7724]

Love the Valentine's tree

[@barbarawilliams979]

Love your story!

[@eversmanfamily]

I think that your "AHA" moment was when you realized that you had emergency expenses each month of $300.00 a month. I believe today a lot of people don't have that aha moment and so they go from one "emergency" to another. Thank you for that great point, hopefully it will resonate with a lot of your listeners.

[@rochellethundercloud346]

I dont blame you,tawra.debt is stress.stress can kill.causes all kinds of problems.time to put on your grown folk pants,sit down,and tackle the debt

[@sheilapendley1716]

Thank You!

[@melindabanning4497]

Thank for reminding me that we have to keep trying. In September by husband had a wreck and we got a nice amount of money back for our old van. We bought a car in October and now in January we have to get another car but there is no insurance money. I get discouraged because the last couple of years have been one thing right after another. God always blesses us and I am so grateful for all He does for us but I .am feeling a bit defeated.

[@lovinitall6639]

It will get better, we all have these times.Look around you and see all the blessings you have.

[@cherylodonnell6050]

Great video guys!

[@charityluvselvis]

While I was watching this, I was cooking the cheeseburger soup from volume 2. 😁

[@michelejaclyn4541]

I just love you guys and all the great financial advice!! I keep crediting you guys for helping me get out of debt because it's true!! I applied all the tips and tricks and got out!!! All that is left is to pay off mortgage early!!!! So thank you Tawra, Jill, and Mike!!!

[@beckybramlett3515]

I tried to put my checks in our account for a long time, and he ( an alcoholic) spent every bit of my check every weekend on Bose ! I never knew if a bill would bounce because of him so I got my own account and it was the best thing that ever happened..... loved him till the day he died( still do) but we were better off with 2 accounts.

[@LivingOnADime]

That is one situation where we would say 2 accounts is recommeneded.

[@margarethauff8882]

I had to explain to my mother that not paying off the cards is like paying someone else to use your money. I was in middle school when this happened and I had better credit than my mother.

[@suec2117]

Your problem solving is brilliant at such a young age! When you were that far down and in so much debt, did you still tithe?

[@LivingOnADime]

Yes. That was paid before anything else including rent. We never had a problem paying the rent. :-)

[@colorsofavon934]

Are you going to put the Debt Series on a playlist?

[@LivingOnADime]

Yes.

[@JoeSmith-pu9hi]

Would like to know if you have tried different diets for your CFS?

[@LivingOnADime]

Yes, gluten free dairy free sugar free works the best for me.

[@colorsofavon934]

Your camera is so nice.

[@leahix7356]

Very interesting story. I'm ashamed to say, I did what you did several times over.😞

[@juttakasapis6408]

Thank you all !😊

[@Thehappyhomemaker]

What's your opinion on buying a really cheap home in a bad area for a first time house?

[@lovinitall6639]

We are working so hard to pay off our house , I wouldn't let my Husband buy me Valentine's Flowers for$5 !!!

[@NoTrashInHeaven]

But make up for it in smooches 😘

[@christhompson7558]

Tawra cracks me up telling Mike he should have hit the deer, at least they would have had dinner! :D

[@99zanne]

I don’t think they let u keep the deer.

[@daisyy99]

Oh, raised as a farm girl in Iowa, I was thinking the same thing! Venison srew!!

[@ashleybosvik3031]

I hope your daughter made it

[@LivingOnADime]

She is now 22. :-)

[@amazinggraceranch6793]

Hello 😊

[@rhondawiggins5728]

🥰🤗😘🙏

[@michellesunshinestar]

My grandparents on my Mom's side (they were cheap?). My grandpa would dumpster dive. And my grandma and grandpa would split TV dinners. My mom and I would go do grocery shopping for my grandma. (My grandpa passed first). I would also do some shopping. I miss having my mom over for Amy's burritos and tea or a smoothie. But no guests are allowed right now (I think that is against our rights, but whatever).

[@elise8854]

So excited for this series!