Maxed Out On 16 Credit Cards!! - Til Debt Do Us Part 201 - The Juggling Act

When Elizabeth lost her job, this family of five felt the crunch. But Elizabeth didn’t stop spending, so Wojtek began juggling their growing debt between 16 credit cards with low introductory rates. Now, the cards are about to jump to full interest and these two are preparing for the worst.
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[@theschnauz2138]

She was clearly depressed and self medicating with shopping. I am not going to judge them as I’ve been stupid with money in the past. I just hope they were able to get out of debt. Their 3 kids depend on them.

[@jenem9618]

She's the first person I've seen on this show who looked truly ashamed.

[@bovnycccoperalover3579]

Because her shopping caused their problem.

[@CocoaPuff01]

@@bovnycccoperalover3579 his lack of income and low earnings caused their cash flow problem

[@bovnycccoperalover3579]

CocoaPuff1, as Gail has said more than once, it's never just one person's fault. I hope Wojtek gets good tips.

[@myyt3824]

Shuffling $18k a MONTH just on the credit cards?!?! My anxiety shot up just hearing that 😳

[@Yappinbear]

Me too, and I don't have any credit card debt.

[@Kat-is3nm]

Watching this makes me feel rich just for having a few bucks in savings and no credit card debt.

[@starwars1744]

Real question; how the hell do you get approved for 16 credit cards when you can’t pay off one.

[@shadowspire]

Credit is cheap and thats where they make money. They see you have rotating debt they want in because you're paying a ton in interest rates.

[@shadowspire]

@Carol Howard that's what I said. If you have rotating credit on your cards, you're paying 15-29% interest on the overall amount. Also having a credit card isn't bad, you just have to remember that if you cant buy it in cash, you cant afford it and should not put it on a card. Me personally I buy stuff with credit cards but have already put aside the money pay it off at the end of the bill cycle. No interest paid plus my score goes up and get lower rates should I need them for anything just as a little safety net

[@jadiecakes3241]

Greed. You would never get approved for that amount of credit were I live unless you were very very rich and had a good credit score. Banks need stricter lending laws and some morals.

[@shadowspire]

@@jadiecakes3241 yeah but credit card companies have way to much influence, so things won't change anytime soon.

[@cherylT321]

Carol Howard. Awesome!

[@kayc.8283]

Out of all the reality tv shows they've shown on tv in the last 20 years, this is the only one that benefits the people on the show and the people watching the show!!!

[@droid2D2C3P0]

Not true, there are lots of shows like that. What not to wear is another one that comes to mind, the biggest loser (there's some controversy for that one but it did still help people)

[@blue-wb8yn]

What not to wear? I definitely don't find that helpful to anyone; it's just clothes.

[@droid2D2C3P0]

@@blue-wb8yn it's a lot more than that

[@Me-mb1ex]

A book keeper who can’t keep her own books?!😂 Don’t let your clients see this!💀

[@ykook7000]

l know right! so pathetic

[@lisatabachnick1552]

Well, it's like the cobbler's family - he/she makes shoes for everyone else except his own children.

[@evntex]

@@lisatabachnick1552 Yep or an electrian with loose wires hanging out all over their house. Seen that scenario!

[@lynncaldwell8345]

@@evntex I have also seen a house cleaner with adirty disorganised house.

[@michaelvanhorn3271]

Very common

[@PebbleBeachLife]

Budgeting can become just as addictive as spending. Switch addictions and you will actually find it enjoyable to see money grow.

[@tayjones8552]

You're so right, I am addicted to watching my bank account grow every month. Once I pay off bills, I like to see what I have left just keep getting bigger. I don't have any debts and loving it! 😃

[@hollyb6885]

I never thought of that but you are absolutely right. I love figuring out where to put my money each month, how much to save, etc….

[@frankperino4215]

@@tayjones8552 me too!

[@Zoot_of_Anthrax]

Ive always been poor and really struggled both with the economic downfall in 00/01 and during my divorce in 08. I was making 42k a year, stuck with house, paying 1300/mth in daycare and 30k in legal over 2yrs. My ex was ordered a paltry 500/mth in childsupport but refused to pay it. I decided then i didnt want to be in this position of being incredibly broke with 2 small kids. I started saving 50/mth and transferring over balance when i got paid. Upping my savings and cutting expenses to bone and when daycare costs went down and my income went up i kept saving. Ive allowed a little lifestyle creep 14yrs later, but when i was laid off due to covid i was still saving 1k a month on unemployment and had about 8yrs of living expenses saved (without changing spending) which is an incredibly peaceful feeling. Upping my savings and pinching pennies really does become addicting. Esp when you have a big goal

[@PebbleBeachLife]

@@Zoot_of_Anthrax what an incredible incredible story. You should consider starting a channel and share your story. You are a rock star!!!

[@kendrajarry8161]

Me: buys a coffee.... feels guilty for getting a coffee....

[@harmonymoxham1719]

Me too.

[@ThePlutoandMarsEffectofTarot]

Me: Buy a Shirt. Feeling: Gulity (because I need to save the $10). Me again: 😭

[@marcievillacorta8792]

Make coffee at home. Not sure why people waste money at coffee shops.

[@randomasmr4045]

Same! I buy a coffee maybe 2x a month as a treat...and second guess it with guilt every time lol.

[@worms3656]

I know, not the point, but this makes me want some coffee.

[@momsaidicould]

I'm so addicted to this show. I have a five year plan to get out of consumer debt and it looks like I can shave off 2 years

[@carnival30]

Nice!!

[@ms.hotdoglegs614]

Hope your plan is going well!

[@carnival30]

@@MaraschinoMary1 congrats!!!

[@SindromeDeMascotinha]

Hope you're progressing well!

[@AshleyNicole-ct7gh]

We need an update!

[@kathysavage9342]

Dear god, I can’t imagine being married to someone who is constantly digging me deeper into a damn hole. Poor guy.

[@momof2momof2]

I don't feel bad for him. Not only does he need to get a back bone , he needs to get a real job. Both are very foolish people

[@cocodakilla]

Especially because his job isnt so good. She could teach him bookkeeping so he can get in on some other work too

[@lek0mania]

@James Wood no wonder she lost her job lol

[@sabias3932]

Poor guy who decided to have 3 kids on a doorman’s salary... k.

[@katrinaquezada42]

@@sabias3932 That is exactly what I thought. And also what is so wrong with that guy that he doesn't get a better job? I want kids too but you know why I don't have them? Because I make 45k a year and thats not nearly enough to care for a single child let alone 3!

[@rosemarywilliams9969]

This show is helping me figure things out. I'm over spending each month by $2,115.92. I may not have credit debt, but housing is killing me. Just need to make a plan and find ways to get more income. Won't be easy but still possible😇

[@staceyd8397]

It totally is, work out your budget and get to it …..you’ve got this Rosemary 💐💐💐💐

[@erin1220]

You can totally do this! 😍

[@xfhnhhgjbvcfg]

Check out Dave Ramsey

[@baum7222]

nope. move to a place that is in your range

[@lovette7684]

You can do this. Albeit that doing a cash only plan is more difficult than when Gail was making these videos, it is possible. Gail's plans work. Good luck!

[@pinkiesmum]

Poor Wojtek is so patient and kind! I hope they remained on the good road.

[@emmawainwright5527]

I thought the husband said he was a door mat not a doorman.

[@EllysaE]

Emma Wainwright wellllllllllll you aren’t far from the truth

[@katiemartell6520]

So did I! And I agree with Moistcake!

[@melodyconroy3879]

Same😂

[@1127snowbunny1127]

He might well be.

[@aussiemouth747]

Me too!😀 Freudian slip?

[@genalee5211]

Watching shows like this and listening to Dave Ramsey on a regular basis keeps me and my husband almost debt free minus our mortgage which we now put extra $300 a month on principal 😄

[@notafan6]

Gazelle Intense!

[@wijcik]

I cringed when she wanted them to pay the largest debt first! Smallest to largest, please.

[@elenatella]

@@wijcik i think she's talking about paying the one with the highest interest rate, but not sure 🤷

[@hollyb6885]

@@elenatella Yes, Gail’s advice is always to pay off credit cards starting with the highest interest rate. That’s what I did since it saves money in the long run.

[@toniacampbell6384]

@@wijcik Paying off high interest debts is a good way to go. There has been times Gail has made people pay off stuff less than a thousand right away. For the most part though, High interest first is the way to do it. Say you have an interest rate on a line of credit, about 5% with a total of 2000 in debt. You have a credit card with an interest of 27% and a total of 7000 in debt. Gee, wonder what one someone should do first!!!??!?!! you'll end up paying way more for the credit card if you leave it last compared to the line of credit. So nothing to cringe about really.

[@amandanicole7449]

I'm happy they gifted them the opportunity to see the brother get married. It's hard to dictate whether that's a want or a necessity... the emotional impact of not being there aand feeling like an awful sister could lead to a depression.

[@katrinaquezada42]

I don't understand how she's been unemployed for two years. I was fired on a friday and got TWO jobs by that monday. Not jobs that I wanted or were relevant to my job experience but something is better then nothing at all!

[@katiethomas5889]

I think she got a little lost and maybe depressed. But he could have also have encouraged or said get a new job.

[@abigailloar956]

I do believe this is in canada so the job market may be different

[@ImVeryBrad]

@@abigailloar956 no she is just lazy

[@haute03]

I thought she was bookkeeping?

[@MoreMedication]

@@abigailloar956 Yes, this is a Canadian show. And primarily shot in Toronto and the surrounding area. I think maybe a handful were in Manitoba or British Columbia. She had a subsequent show called Prince$$ that ran for several seasons and was a lot of fun to watch. Many of the episodes have been uploaded to UTube.

[@JPKnapp-ro6xm]

I absolutely do not understand how shopping makes people feel good. It's just a chore, like doing the dishes or mowing the lawn. It's like saying, "when I feel bad, I just can't stop myself from doing the laundry and scrubbing the floor."

[@madmadameminx]

It most certainly is possible, SIR! I clicked this by mistake, but once I heard that sassy clip, I knew had to see.

[@kinanguyen3973]

To me losing job means no more shopping.

[@katiethomas5889]

Or go only as needed to replace items! Good point.

[@Me-mb1ex]

You are sensible and don’t suffer from a shopping addiction. So that’s good.

[@abigailloar956]

Or eating haha 😭

[@Sabrianag91]

Yeah and finding a new job asap!

[@malajm84]

Also give your kids chores and teach them to clean up after themselves so you don’t have to spend so much time on the house

[@inspirice9844]

Pay them 5 bucks for 5 chores a week and teach them money skills while you're at it.

[@lmaldy14]

My kids earn commission. I have a list of extra things they can do and they get paid accordingly. They don't work, they don't get. Keeping their room and bathroom clean does not count! Those things are a must and their pay for that is room and board!

[@lindseyf4515]

Inspirice I get paid $50 a week for cleaning the whole house 7 days a week, feeding everyone, mowing, and other stuff.

[@katemiller7874]

Lindsey- your family is lazy. Def taking advantage of you.

[@cathymillar9900]

What a nice gentle couple. Hope they succeed.

[@jhouse9113]

Agree. They were really lovely. Hope things worked out for them all.

[@williamegler8771]

I am from Germany and cash is "KING" and the use of credit cards is frowned on. When I moved here for work I noticed people who made the same or even less than me had a lot of stuff. Big houses, multiple cars, boats, jet ski, home renovations the list goes on and on. When my coworker asked for a ride to work I saw that he had put a large plastic tarp on his roof because he didn't have the money to repair it Another coworker had bald tires on her Audi Q7 because between her and her husband they couldn't come up with enough money for replacement tires. She also had to take out a hardship withdrawal from her 401k to forestall her home being foreclosed on. Ridiculous!

[@beachcruising4607]

William Egler I feel like in America people tend to care more about appearances than reality. As long as things look good and you look like you’re doing good that’s what matters. I don’t feel this way as an American but our society does have a consumerism at any cost attitude.

[@LisaCupcake]

@@beachcruising4607 This show is Canadian, not American. And the credit card crazy didn't take off in the U.S. until the late 80s/early 90s. Before that, I hardly knew anyone who used credit.

[@beachcruising4607]

Lisa67 I was commenting about America as an American not specific to the show. You don’t need credit to be a consumer, I see many people who live paycheck to paycheck just to have the newest whatever at the time with no savings for emergencies or future retirement etc.

[@tc5292]

Im American and some people use credit cards responsibly. Watch Graham Stephen's credit card videos. I have 9 cardsand no debt, if someone can be responsible for them self's then credit cards are good.

[@beachcruising4607]

tia fae I think the difference with America specifically is that you don’t have good credit unless you take on debt, the only way to build your credit is through either credit cards or debt installment payments that are reported to the credit bureaus. And yes, not all debt is bad and credit cards aren’t inherently bad if you’re using them correctly to build your credit, but the majority of people get trapped by using them and accumulating more than they can afford to repay without extremely high interest over a long period of repayment period. The average American has $30,000 in credit card debt, that’s an insane amount that means most people do not use them responsibly.

[@TheImperfectReader]

I just tallied up both of our credit cards. We are also at $65k...11 cards and I now have a plan.

[@momsaidicould]

That is good.

[@KM-nq7ez]

Loved Dad reading and teaching the older kids about money.❤️

[@j.103]

I remember when my boys were young, they would say “just write a check “. I had to explain more than once just how that worked…..lol

[@eliopearlman1309]

If my husband was doing what this wife is doing I'd divorce him in a heartbeat if he didn't make an effort to change his spending.

[@katemiller7874]

It shows what’s more important to you. Money

[@s.k.m.8756]

@@katemiller7874 has nothing to do with what is more important or not. The female's spending was putting the family in jeopardy. Then the whole family goes down. If I had a partner that was putting us in financial jeopardy I would give them one chance to change or it is better to cut your losses and not let that partner bankrupt you.

[@kandykate163]

You know this show is old is when the Walmart has the smiling face mascot

[@kimip.3789]

Bless her husband for hanging in there.

[@sylviasanchez585]

I loved this couple's success story. I admire people who listen and learn. It's all for the benefit of themselves and their families' future.

[@laace7827]

I love Gale!!! At the end her face just glowed with watery eyes ....u get to see ur best friend get married Soooo sincere!

[@slf5141]

I could never imagine paying a credit card bill with another credit card ?? .. crazy.... nevermind 16 floating around

[@Karrambide]

You give the credit card company access to your bank account. My dad calls to pay.

[@clair3kee432]

I’m so impressed they are staying afloat on just $34k per year. They have a bunch of kids & a house on a small salary.

[@lexalina132]

Early 2000s canada 😬 i'd hate to think of 2022 on a salary of 34k

[@debbiemohekey1509]

This women is beyond irresponsible and needs to get a job outside the home. Can't be trusted to put in enough hours at home.

[@Antilleslucayan]

she's a bookkeeping and her books are a mess????? i wouldn't trust her with my books

[@ghost-ez2zn]

Exactly. She needs a salary that can be counted on She can do her other accounting as a side job.

[@Sarah-eh7bw]

Reading between the lines, it seems likely she fell into a depression after losing her job and used shopping as a remedy. Imo getting outside work and leaving the house more often would be a really positive thing for her, yes.

[@katemiller7874]

She has 3 kids. Should they watch themselves. Idiots

[@MrsEJV]

How can you live with yourself, knowing your petty spending when you’re unemployed could cost your family their home? How can being $65,000 in debt make you “feel better”. I live on a modest pension and I’m debt free. I can’t imagine self medicating by shopping!

[@thegreenmanofnorwich]

They seem like really nice people. I really hope that they are okay. I think it's lovely that she gave them the trip to the wedding, as it's such a meaningful gift.

[@jamesmir89]

It’s nice and refreshing to see people just face it head on and not complain. It’s awesome. These two just wanted to get it done.

[@les4570]

I loved this episode! I've seen so many lately where the couples don't really appreciate the help or try hard with the challenges...this couple really tried and I'm so glad they had their trip paid for!

[@sandrafledglingmixologista2221]

People need to have serious talks before they get married. It always annoys me when I see one of the spouses is irresponsible and the other one has to pay (pun intended) for it .

[@PinkZombie1987]

Thank you for uploading all these... I am OBSESSED and they are nowhere to be found! Thank you thank you!

[@LorraFae]

Meg Mac haha me too. I never thought I’d be obsessed with a budget and debt show

[@thespiritsafe]

My guilty pleasure!

[@angelikalaser7778]

Same here 😊

[@lethaorr4452]

Hulu has it

[@MoreMedication]

Tubi has several random seasons. Or at least they did last time I looked. They also have a few seasons of Prince$$.

[@hollyb6885]

Sooooo glad Gail gave them the trip to the wedding!!!

[@annamaddux5075]

This is my favorite episode! They are so supportive of each other and willing to do the work to move forward. How encouraging!

[@nataliyak9555]

Bookkeeper who has know idea how much she makes, spends and how many credit cards she has? How does she even gets any client's?

[@MoreMedication]

My husband’s previous doctor smoked. (He changed because we moved to a different city.) The old maxim of the cobbler’s children having no shoes has been around forever for a reason. But Yes, it’s not a good look for prospective clients.

[@vikavika5636]

When Gail said that they spend $18K a months to maintain their debt, I almost threw up and it’s not even my debt. Did I understand it correctly? Were their min payments $18K?

[@eclpzlvr97]

I think she calculated that number. He was juggling debt to pay debt so I guess the "cost" was the average interest cost.

[@heatherframpton9693]

😲 Oh, my...

[@bonesb7686]

What I like abt Gail's shows is she reminds me of lessons I learned the hard way over my life. She then shows me what bad habits I still have that have not bitten me yet. Then explains methods to change those habits. She also shows that income level is not the problem but behavior is.

[@annerose9219]

The grass is always greener when you’re debt free!

[@traceejohnson290]

They have never planned meals before, well that was one of their 1st problems.

[@1127snowbunny1127]

At age 35 I never had a credit card, just a debt card that I use for emergency. If I want something I save up for it or buy used.

[@Ndstars1]

Credit cards are not evil when used responsibly. If you ever need a car loan or mortgage, they can demonstrate your low credit availability vs use ratio, and a proven history of you making payments on time. Not having a credit history can hurt you.

[@lorirogers9304]

@@Ndstars1 exactly. My son has a healthy savings account and one credit card that he pays off monthly. I told him he should get other credit as well to show his ability to make payments on time.

[@cresabear7594]

Why in the world would they give their kids $10 a wk when they are that deep in debt?

[@gdiddy3235]

I was thinking it was perhaps from one of the budgets? One of the best things you can do for your kids though is make it feel like they aren't living in debt, especially since they have plans in motion to get out of it. And these kids specifically would be going from getting whatever to getting nothing, a couple things from the dollar store now and again I think is pretty forgivable

[@amandanicole7449]

It's not their fault they're in that situation. The kids likely have chores. You wouldn't work for your boss if they told you that they were in debt and couldn't afford it... Not the same. But they need to learn because these habits are learned.

[@cresabear7594]

@@amandanicole7449 cleaning the home you live in isn't work it's part of life but my main issue is with the amount. $80 a month for both kids could help pay down the debt or be saved for their kids college. They could teach responsibility with fake money and set up a "store" in their home or $10 a month would be more reasonable.

[@cresabear7594]

@@gdiddy3235 I would agree a few things from the dollar store is reasonable. $80 a month for both kids isn't. $10 each a month would be more reasonable.

[@erikab178]

When you do this, you reduce spending on kids. Kids get X a month, but that has to cover their wants (extra clothes, toys etc). It’s either a wash or you save money because kids know they can’t just keep asking for more

[@ayeha5496]

I’m stressed out for them honestly! Sell everything... car, house, children...jkjk😂, clothes, furniture, hair, plasma, etc.

[@mollyf5215]

TheeSouthernBelle Xoxo can’t sell plasma in Canada :( also if you have small veins they def can’t lol

[@ayeha5496]

M F Wow...why?

[@DaughterofBabaYaga]

What I love about Gail is she acknowledged human desire and if they showed real dedication to a certain goal she usually made sure to contribute to that goal on top of giving them the money for the debt. ❤🎉 A hardass for sure but so, so warm and so generous. Genuinely she cheered for each of her clients I feel. ❤😊

[@suelawson7273]

When the ex left, he was saying it was my fault, I needed to work harder (our son was a baby, so I worked part time, I had no access to credit cards, etc) he was sick of paying the mortgage. He then proceeded to run his cc up by 2 grand in 2 months impressing his gf........go figure 😏

[@kramseyr2800]

This is my favorite episode for some reason. Thank you for uploading! Oh, that poor man...

[@ATLBudgetMom]

Love this show!! The husband looks like he is about to faint at any given moment, I was praying for him.....The wife gotta get a side hustle or something!

[@cfg1110]

34k after 16 years? thats not good enough he has a family. lack of drive.

[@carlycrays2831]

To be fair, it sounds like they had a double income for most of that time.

[@emmawainwright5527]

Overtime?

[@Jane5720]

@@carlycrays2831 we're talking about his income here and he's only making $34,000 a year? He doesn't have enough Drive oh, he is not hungry enough.

[@bovnycccoperalover3579]

They didn't discuss tips.

[@dfwnelly]

Oh man I miss Zellers, and the days when dollarama was actually a dollar

[@MeMommyEms]

Watching this makes me wanna save more money and stop spending!

[@lisajanefox]

I think the man makes tips along with his income. If she is a trained bookkeeper she should be able to find another job. She could work at a bank or do something else in finance. It's sad that she feels depressed when she has 3 lovely kids, husband, and a nice home. It just shows you that the grass always looks greener on the other side of the fence.

[@ICsucks]

I only have one credit card and I rarely use it at the mall or Walmart. I always make sure I have enough money in the bank to pay the full bill ASAP. I have an app on my phone that allows me to pay off my credit card bill immediately. I usually only use credit cards on amusement park trips and concerts because I am a total roller coaster freak and I love Luke Bryan and many more singers.also I use it for online purchases. It takes about two days for the bill to get applied to your account and always save money to pay for that. So when I use my credit card I scan a check via the credit card app on my phone with my phone camera whenever the bill gets applied to my credit card account. It’s pretty simple

[@slimfit6989]

I really like this lady to help the couple to get out of the debt. Well done, you are doing great.

[@georgvonsauer2618]

As my father in law warned me, "use it as cash and pay it off when the first bill comes!" The interest rates are usury, by yesterday's standards...few places of lodging accept cash...16 credit cards paying minimum balance? And people wonder why we have an over spending government? I vaguely remember a Flintstones cartoon where the gals run off shopping yelling, "charge it!"

[@kaycee5129]

Nice people. I’m glad they found Gail’s help. Gail is awesome 👏

[@brookemccallister]

“I’m looking for boneless chicken breasts” Ok... have u never been in a grocery store before? Like wtf lol

[@chrysichrysi7889]

This is why you use debit cards and just ONE credit card for emergencies ONLY. You can't feel the money leaving your fingers like with actual cash, you can feel it when you have to pay that interest for your credit card use with cash. It really helps you keep a perfect oversight.

[@nisreen1982]

Chrysi Chrysi I don’t think credit cards are that bad for people who r good with money. I pay with credit cards to get points to use for plane tickets, hotels etc... that’s make it easier to do some stuff when we r paying some of it with points. But, ya it’s not for everyone. I personally see everything in the dollars I’m paying not what I pay with real money. So if something is $4.99 I see that as $5 plus tax out of my pocket thought it’s technically from my card. That’s how I keep myself accountable to the money I spend with cards.

[@stereomaster4231]

Chrysi Chrysi NO, you pay your regular expenses with credit cards and pay the balance immediately. You then have the benefits of rewards

[@Me-mb1ex]

Credit cards aren’t evil, they’re useful for building your credit score and getting whichever benefits your card offers. They’re only a problem when you see them as “free money” and refuse to see beyond today and be responsible with it.

[@Hodgepodge31]

I love my credit card - I earn after least one free flight pet year. Plus, i get extra purchase protection. However, I do pay it off every month and pay no interest.

[@amandab8433]

I absolutely LOVE rewatching these. Gail is amazing, and passing the information along to friends and family helps them too.

[@lmaldy14]

$1/age a week!? That's way too much. What does a 10 year old need $40/month for??? And it sounds like they just get the money, not earn it? That's how you end up with an entitled society.

[@sarasarah3404]

That 40 dollars will go towards things like clothing as well.

[@lmaldy14]

@@sarasarah3404 Way too much money for a 10 year old. That's unrealistic to have someone that age budget their clothing expense. Should he be worried about food and transportation as well? At that age, spending money should be for the things that are "extras ". A 10 year old couldn't care less about clothes. That's a basic need that is the responsibility of the parent (food, clothes and shelter).

[@sarasarah3404]

@@lmaldy14 sorry, i responded when it was very late. I watch this show frequently when it was on air. Essentially, the allowance is $ designated to almost all living expenses. Excluding what a parent needs to provide- shelter, food, and essential clothing. The parents are to utilize the money given an allowance to teach about being responsible with money. So, if 10 year old wants a video game. Sure. But that comes grim your allowance. If they were invited to a birthday party, they can contribute some of the allowances. Its to teach the management of money, not just to blow. I do agree, that giving a 10 year old $43ish a month is a lot. But, you would be providing that money for them (not entirely sure, as i don't have children)

[@lmaldy14]

@@sarasarah3404 Oh yeah, I totally agree with the concept. It's just theamoiunt that is too much. Imagine a 10 year old, 13 and 15 year old? That's over $150/ month on allowance? Not even money they earn!

[@sarasarah3404]

@@lmaldy14 i agree. It does seem excessive. I don't have children so it's very easy for me to feel comfortable with the idea of an allowance. My thought is that you probably are already providing that $150+ a month regardless. For things like, pizza day at school, or extra school supplies, whatever else a kid wants/ needs. So, you take the allowance $ to put towards it. Its to help teach the management of money. "You went to attend the hockey game next week and it's 15 dollars? Okay then you need to save for ", "Friends birthday is in 6 weeks, if you want ti buy a present you need to save for it". I get not giving $ that'sa not yet earned. But, you don't have ti pay ti get chores completed. "NO, you can't go to the movies/ birthday/ hockey/ pizza if you haven't completed your chores ". Again, idk fully.

[@cpmffeilberg4970]

Wow, the ten year old getting $10 a week. Way back when I was a kid I was lucky to get .25cents a week, my parents just didn't have it.

[@khayotikk]

So we’re not going to discuss the realtor’s pokeball earrings? Okay.

[@Beckala67]

Rewinding now.

[@xiaomianna489]

10:42

[@eb9844]

😂😂😂😂

[@eb9844]

@@xiaomianna489 thanks for the time stamp

[@mariaferreras4369]

Gail in the voice of reason.

[@manichairdo9265]

Such a lovely, sweet couple. I hope they are debt free now and the family are excelling.

[@shellyrae9281]

Girlfriend needs to get a real job. Period. She can't handle working from home on her own.

[@desi5831]

This show has definitely helped me see the big picture with my finances and definitely helped me tremendously. Thank you Gail for all the advice you put out there.

[@denisebarker9288]

Wonderful gift for the family to go to the wedding. Both parents did a great job.

[@rosierose1167]

Geesh, I learned my lesson, having 5 credit cards, all maxed n it took me 5yrs to clean it up & proud to say No more cards for me since 1997!! 👠👣👠👣happy face for me! 2020 my house is paid off & 2 more car payments. Done & Retired!!! 😊🤭

[@Sabrianag91]

I tought he said that he was a doormat 🤣🤣 Also how on earth can you get approved for 16 credit cards..wtf...

[@ObliviouzRomantic]

And I feel bad with 15k in debt from school and a car. . . to be fair I also make horrible money so I am in pretty bad shape as well.

[@dheeshakti948]

Obliviouz Alice never feel bad for money spent on education. I’m sure it will pay off in the long run. You can do it!

[@2legit64]

If you have to hide a desperately needed $20,000 from your spouse because you know that she will squander it on crap, then you need to take a serious assessment of your relationship. This is why I'm single. I buy stuff I can afford and have zero debt. No worries about what a partner is doing to my credit.

[@LCmonman]

This is the nicest couple. They are respectful to each other.

[@ladylecter636]

They did well! really lovely of the show to pay to get them to the wedding as well

[@debbieframpton3857]

Gail could have suggested that they have a garage sale they have a lot of stuff they wouldn't make back the money they paid for it but it would help with some of their debt

[@GIChiyo]

"I don't know how many credit cards I have..." Ummmmmm wtf "...but I didn't know it was 16." UMMMMMM WTF

[@dportal844]

The problem with most of these shows is that old habits die hard and most of these people fall back into bad habits. It's not hard to make a plan. It's hard to be consistent and stick with it. Hope they were able to recover.

[@russiasgreatestexports4026]

I think Wojtek wanted to run away with Gail for a moment at the end, asking her for a second hug. Poor guy!

[@thestraycat907]

Wow. She has single-handedly ruined this family. not only the insane debt, which she risks losing the house and potentially bankrupting the family and leaving her kids with debts when they die....but she has created monsters who demand everything they want

[@russiasgreatestexports4026]

Yup! And not even attractive to boot, can’t control her weight or spending.

[@moewilson4605]

I love the cash jars and the suggestion to avoid credit cards but as we move to a cashless society this will become more difficult and require people to use impulse control. I saw a news article where a state in the USA had to legislate that stores and restaurants accept cash because some had stopped accepting it. It was weird.

[@ConradOMalley]

Moe Wilson - It was in Philly I think and other urban areas. The idea made sense (less chance of robbery, etc) but lower income people couldn’t shop there because they didn’t have credit cards. It was a discrimination thing. The “cashless” society sounds scary. The people in this series are a result of credit cards. They allow you to live beyond your means and dig a deep hole. I feel for these people. 10 years of living like you think everyone else does might take you 20 years to pay for. It breaks my heart. It makes life harder than it should be. And then wonder about their retirement. Will they have enough? How much do they have saved for their kids college? I didn’t hear anything about life insurance. They got financial obligations (their kids and home) all over the place. If one of them dies (even the wife). For all the Mom’s out there, planned meals are great. Taco Tuesday. It makes it easy. It is a gift. Meatloaf Thursday. Meatloaf sandwiches on Friday for lunch. Good Mom’s pack good lunches. As the kids get older teach them how to make the planned meal. People love to cook. Especially young people. It changes their whole eating attitude. Dad’s can be the expert on burgers and hogs and steaks over hot coals, but someone needs to make the baked potato and a good “salad”. One person can’t do it. It’s not relaxing. There needs to be a team behind him. So the good Mom (or Dad) should make the kids cook. You gotta increase the ability of your kitchen staff.

[@paigethefarrier6243]

I don't bring money with me if I don't intent to spend it. keeps it very simple.

[@ruthirwin8222]

Resist the liss of cash by using it always

[@ellahillsmythe8717]

One of the view families on this show that I actually liked.

[@ellen5539]

5% commission for the realtor ?!! Wow.

[@grannygoes7882]

I like Dave Ramsey's debt snowball plan better than paying off the highest interest first. Just a thought.

[@aussiemouth747]

Put your clothes on the line instead of wasting electricity using the dryer. If it is too cold outside put them on a clothes rack inside near your heating. Not brain surgery.

[@jmonte5896]

She is useless. He has been at the same job for 16 years and makes $34k. Clearly, not a highly valued employee. Also, I guarantee they don't report his tips. That's the only way they could remotely afford that house

[@pamelaamyotte9940]

I was thinking that 34k for a doorman was ridiculously high. He makes more than I do, and I have to have way more skills/responsibility/training for my job over opening a door.

[@miraloran7039]

Lol, you realize no one is going to pay you six figures or promote you just because you're at the same position for 16 years. He makes a lot for a doorman. He's probably above the top of his pay range for that particular position at that particular company. They probably aren't accounting for tips.

[@Iheart2cook]

j monte you can bet the $34.000 includes a good bit of his tips. No way the company is paying a doorman that salary

[@juliesquirrel]

He doesn’t deserve disrespect just because he has an income on the lower side.

[@wolfhound1452]

Iheart2cook He most likely does make that as a base salary. Tips are a big part of the income in the hotel/motel business. I know a doorman whose yearly tips exceed his base salary. He is an excellent conversationalist. I can see how he makes a lot I. Tips as he is very outgoing and knows a lot about the city so he often gives tips about places to visit to his customers.

[@cherylcampbell7495]

Chicken with bones are more moist and the flavor is better I think..so happy you are working together.💕

[@amyhuss5834]

Surprisingly amazed at how people managed their money! Pay cash 4 cars and homes and live below your means!

[@harmonymoxham1719]

I agree. And don't get yourself into debt unless you can't avoid it.

[@theintuitiveempath]

Yes!

[@karolmiller6984]

Very informative. Hope they continue to be debt free

[@jamesbyerly766]

Good job to the both of them. Hope they can keep it up.

[@janebaker4912]

Hope they got debt free

[@iamwisecrowtarot8373]

Wow So glad I started my Till Debt Do Me Part facebook page to keep me motivated in healing my money habits. Wow 16 credit cards. I only have 4 and I owe less that 10,000. I also have a debt payment plan in place along with my budget sheet and tracking all my expenses. It's easier than you think.

[@user-gu1dd6dh8u]

It is unbeliveble how such a nice ppl can dig such a hole for them for themself.

[@NoOneAndNotYou]

They are calm and each one respects the other. that helps a lot.

[@sarahnorment]

I thought he said he was a 'door mat' 😂

[@mesidye]

Lol he is

[@hoipoloie]

Hahahhahhah Imagine. Dave Ramsey and this lady battling it out!!!! :-)

[@anitaharris9243]

LOL. I like her better because I find him so obnoxious. He would not have approved of the savings money going to pay off debt. haha.

[@AGM-ts5bb]

What a lovely couple! Beautiful kids!