Money-Saving Tips For Paying Off Debt

[@Pinkoflove3]

As far as shopping goes. I always say "Its always more fun to want things then to have them"

[@Pinkoflove3]

Oh my gosh it's almost a new month please do a video on how we should make our budget for the new month on paper. Plz

[@roxxylala26]

lmfaO

[@cathleensmith5473]

Too true!

[@sarahkalnajs5810]

What about fostering a pet for a shelter or rescue? This way you can have your pet "fix", help save an animal and the bills will be covered by the rescue group so it's a WIN WIN WIN!

[@jddancingqueen]

Such a wonderful suggestion! 💖

[@C00KiE81]

That's very true. They cover everything!

[@jennym007]

Jennifer Ann de la Torre i got sick a few years ago with a long term problem and because of it I became anxious and worried. A cat helped me tremendously. She helped me so much I got 2 more. They have helped me a lot...with company, cuddles and laughter as they do funny things. Each has a health problem though so I am lucky my husband earns a good wage. If you can't afford a cat of your own why not befriend a neighbour's cat (with their permission) as they are good at spreading the love. Good luck with treating your anxiety.

[@99khalas]

Hello, Jennifer Ann, I don't know where you are located. I'm in Montreal, QC and I believe SPCA its everywhere in Canada, you can also search in google for shelter homes in your area, most of them offer foster programs and will pay for the animal"s food. Good luck!

[@calisahardy4845]

You beautiful temptress!!! That's an _awesome_ idea!!

[@maryjofoston759]

We are 53 & 54 yrs old & am semi-retired. We Love it. We had 2 full time jobs in the Midwest & recently moved to Orlando. We went from paying $2,500.00 a month to $1200.00 a month. We are living on a part time salary & we are loving it. Our way of life had to change but we are enjoying spending more time with each other. We go out to eat once a month. We cut out cable, we only have the Internet. Instead of paying $20.00 for movie night, we pay Netflix $9.99 a month for movies. We moved into a community that has a pool so we are there several times a week. For our birthdays we packed up a picnic lunch & went to a park then to the beach, it's really relaxing. My husband was blessed to find a job part time job that if he works 32 hours he gets full benefits. It can be done, make yourself a list of what you can eliminate & start from there. 😎

[@michelleparsons5667]

Great tips Christine! I have a beauty tip. Only buy when you're almost out of a product and are 100% sure you want to repurchase it. I used to run out and buy multiples or order them online but found that I really didn't like the product as much as I initially thought I did and then I had all those backups. I'm working on simplifying my products and my life and find a great sense of accomplishment in doing this!

[@FavoriteDaughterEmily]

I would love to see a meal planning budget video! Love all your videos 💕

[@KatnissEverdeenschannel]

me too!

[@lalamae89]

Favorite Daughter Emily

[@BlooWolfy]

When going to the movies go early (like 10 or 11 am) the tickets in a lot of places are close to half off for those morning times.

[@acciojenna]

My local movie theater has all showings on Tuesdays for $5. The other theater in town used to do it too but they stopped recently. It's $5-5.50 for the first showing too. Super cheap. haha.

[@Tr0nzoid]

I've always preferred daytime showings mainly for that reason.

[@Maquillage79]

A tankless water heater is good for reducing money , it doesn't run unless being used . We are canceling our cable . One thing we can't do is get rid of our second car , we both have to drive 30 min in opposite directions for work . My husband does car pool though and they split gas . Pets are a lot when you add in vet bill and for every pet you need an emergency fund . A huge expense for us right now is medical insurance , it's at about $1000 month . Another huge expense can be student loans .

[@liztaylor2711]

Student Discount for Amazon Prime 49.00 for a year, I can power watch old shows that doesn't come on cable. This really help save money, however there are somethings that comes on cable that won't make it to amazon, hulu gets boring, netflix is ok but if you can share the bill with someone thats even better. Also internet will have to be added into the expenses if you want to continue streaming these services.

[@kimberlyd3247]

Dave Ramsey! Yes! I too am a Dave Ramsey 'disciple.' My income varies greatly month to month so I've been struggling to master that zero based budget. However, you've inspired me to do so. Maybe I'll come back and post a 'Debt Free Scream.' Lol. It's almost like, over time, you've read my mind and then some.**I love Christine's beauty tips but I wish she would use cruelty free items, and scale down** Now this budget post. And all done with kindness and beauty. More budget vids please! Your hard work on the vids really shines through. Thank you.

[@christinekobzeff]

Aww thank you so much Kimberly! Yasss totally! You have to do the debt free scream haha! :D

[@deekayvixen]

Very timely topic for me! I've tackled decluttering and minimizing recently and now moving onto cleaning up my money. Thanks for this video! Love your channel

[@natalie09ryan]

Same here!

[@christinekobzeff]

Awesome, you can do it girl! Thanks so much! xo

[@sarawilliams7011]

Thank you!!! I'm 17, just started my first job a few months ago and pay check after pay check, it seemed like I wasn't saving anything. I didn't even know where the money was going. I didn't know where to start with saving money but now you've inspired me to start a budget! :)

[@musicmama64]

Great tips! We do not have cable, but we just get the basic network channels by using a $10 antenna from Walmart. 😊

[@TigaFeva]

sooo if you dont go to the movies, shopping, dont own a tv, dont go out to eat, what do you and your spouse do to releive stress, or have date nights? debt or not, you have to be able to have fun sometimes. otherwise, what is the point?

[@deniseh107]

They live in Hawaii and are into hiking and going to the beach. I live just outside a large city and there are always free events going on somewhere, free places to go visit (or have a free day once a month), hiking, parks, etc.

[@TigaFeva]

my boyfriend isn't very outdoorsy. it would be nice if she did a video on money saving date ideas. all of our dates involve the things shes suggesting we cut out. lol

[@jenn7753]

+PixelFace you can still see movies, just either use redbox or rent for free from the library. You don't have to go as extreme as she has with no tv, etc but pick a few areas that you can cut back on. I agree you shouldn't get rid of everything in life that gives you joy or you will become discouraged and quit. But you can usually find cheaper alternatives to the things you want to do. Use Groupon when you go out to eat and don't order drinks (just water), etc.

[@TigaFeva]

Eric Pratt thanks i didnt even know about this meetup.com, ive been trying to figure out how to make friends as it gets more difficult as you get older.

[@Theuniverseguru]

Great video. Debt free living is truly liberating and freeing. My favorite tip was so let those weekly shopping trips go. They add up fast!

[@cocoblac]

I started doing this for a long time and I actually shop much more precisely than I ever had I cook better now because I refuse to eat out either whilst at work or at home... I shop on ebay now and have lovely items for half of their costs... I decorate my home myself making lots of savings I only pay for landline and broadband and I am currently working on a new planner system where I am going to become a more serious planner... If I stop working tomorrow I will still have the same standard of living... and I must admit you and your hubby have been a great support... and I recently purchased my crafting tools and camera and desk so that I can film and showcase my diy's...

[@chillytoes1]

there was a movie i really wanted to go and watch a movie with my son, it was 17.50 for just me, i went online and found out that if i went on a saturday morning, it was 8.25 each, that came out cheaper than for one adult ticket. we brought our own organic treats, i spent less than 20 bucks on the movies. so, maybe just look for deals as well!!

[@chillytoes1]

Yeah, I try to avoid gmos as much as possible. So going organic is the best way to go 😆

[@chillytoes1]

Jennifer Ann de la Torre yeah, i never let my kids eat there!! here in canada, we are seeing a lot of companies putting non-gmo labeling on their products!!

[@shieh.4743]

+leccah I never eat soy if I can avoid it. Not only is it typically GMO, it is also hormone disruptive. Yuck.

[@chillytoes1]

Jennifer Ann de la Torre soy has a chemical that is similar to estrogen. so if that is a trigger for you, you may want to lay off the soy.

[@butterflyqueen9260]

carole mcphee soy is bad for women

[@PEACHFACE24]

I love that you did this video because it's usually buy this and buy that here on YT. I needed someone who went from buy buy buy to living a more simplistic life to do this video. Thanks, Jennifer

[@nikkibadders8186]

I love Dave Ramsey so much!! You shared some awesome tips...The one I struggle with most is the SHOPPING!! How do you get over being a shopaholic?

[@CityWideSale]

Great tips; however, I respectfully disagree with getting rid of a hard line phone. Until 9-1-1 enhanced systems are universal and police/fire/ems can find you based off your cell phone, I maintain a landline. Dispatchers cannot locate you off your cell phone. They can come close (sometimes within 2 miles) but if you're incapacitated or in a position you can't talk to them, they can't find you. But if people are willing to take their chances, I guess that is their decision but as long as they are informed on emergency calls.

[@shieh.4743]

+Jennifer Ann de la Torre In your situation, you may wish to include your landline in your medical bills category.

[@BridgetCaseyBC]

Great tips! I follow most of these myself. Few things save as much as going down to just one car. My husband & I share a single vehicle and it's so affordable!

[@Trayceg]

ya know what really helped me cut back on the shopping hobby...when i decided to clear out my house...when I saw the amount of things that I had and never used or rarely used it dawned on me that I was literally throwing out money...I now really look at something before i buy it...did I really need 20 nude palettes? basically all the same colors with a different brand name...I decided that I really only used my naked 1 palette and the others were never touched so now I dont jump on every new fad...or like your nail polish clean out...you had so many of the same colors so you kept the ones you love and got rid of the rest...I do that with everything now...this series your doing has really resonated with me! keep up the great videos!!

[@VioletFS]

Great tips. Thanks for sharing. I'd love to see a food budget/meal plan video. I find I always spend way less at the store when I meal plan. I hope you do more of these kinds of videos. :)

[@christinekobzeff]

Thanks Violet! Sure, can do! I agree, meal planning keeps us from overspending on food too. :)

[@MommaFromScratch]

Dave Ramsey is amazing! Completely agree with listening to him, super motivating listening to the debt free caller. Im glad you made this, your helping so many people. I think the hardest is the food budget even if you don't eat out. Enjoyed. :)

[@kalliste01]

I think my favourite one is 'know what you owe', a lot of people have multiple debts with all different interest rates and they don't really check just how much they owe or how much they're paying in interest or fees. I was surprised to find I had a loan with a much higher interest rate than I realised. Once you know what you're paying the most for it's good to put any additional repayments on it to get it paid off then you can focus on the next debt. I also thought the 'wait for pets' tip should also apply to kids. Many people seem to decide to have kids without really considering how much they cost (a lot), they are essentially a money drain so it is smart thinking to make sure you have enough money to support them and yourself.

[@ferretsam]

Another tip would be for people to stop getting nails, eyebrows, hair extensions, tans or whatever people get fixed professionally, all the time. If people want to save money of course. Obviously everyone is different & some people will see it as a priority. But it would save so much money over time to not get those things done out, when possible.

[@carretera78]

Thank you Christine, I'm trying to cut my debt off and it's been a difficult journey. I spent too much money in makeup and now I really regret it. Watching your videos has help me to reinvent myself. So again, thank you.

[@Jchi23]

Same here!

[@christinekobzeff]

Thanks so much Genoveva! I know that feeling, as Dave Ramsey says, "We were the problem, but we're also the solution!" Go after that financial freedom as if your life depends on it. You can do it girl! :)

[@therebex23]

To me the advice in the video is just my daily life. As a university student (on student loans) these are the basics! So for anyone out there that isn't on a student budget - *live like you're on a student budget*

[@mdteders]

I can relate to many of the tips, especially cutting down or eliminating the things you just assume you 'need' (TV, bought lunch/drinks, cable, dryer), although two 'extra fuzzy' inherited cats snuck in the house, and yes the bills followed! (food, litterboxstuff, vaccinations, grooming salon). My absolute favorite way to stop waisting money is to NOT throw away food. I get a kick out of using whatever items are left in the fridge and turning them into a nice meal, or having a day where everyone can pick a favourite leftover meal from the freezer -> I save our money, I stop waste; win win.

[@pkeele]

The water heater!? I needed that tip. I love finding those hidden costs that we aren't thinking about. Great tips all around!

[@christinekobzeff]

Thanks Patricia!

[@mtdsmom]

This was awesome!!! Thank you so much :) very helpful tips and this showed up in my feed just in time for me!!! Working on clearing out clutter and setting a budget!!! Love your channel and have been watching you for a few years and you always inspire me to do better :)

[@christinekobzeff]

Yay!! Thank you so much beautiful! We can all help keep each other inspired! :)

[@NaturalBohemia]

What great tips/advice Christine! I am in my mid twenties and learning to budget. How I wish this was a class that they would have taught in school. Just last year I canceled all subscription services, bought a used car in cash and stopped shopping just because I was bored or feeling down. Now I need to cut down on eating out and my coffee addiction!

[@ThatsJustKarin]

First off, I want to say Thank You for this video! I viewed this morning and was able to cutoff extras off my cell bill and cut my insurance in half. Working in internet-based now... Also downloaded the everydollar app which really helped me gain more perspective over where I spend my money to keep focused! can't wait to use it more! Love your tips! Will now have to find out more about Dave Ramsey!

[@leightrujillo8006]

I wanted to share that I'm recovering from cancer surgery. Your videos have saved me! You make my recovery tollerable. And you motivate me when I'm feeling fatigued. love the succulent vids. thank you, Terri Leigh

[@HuynhThomas]

Great video! I canceled a few things myself , I had the my glam bag that I canceled , we canceled out cable(@ the time we were working 2 jobs each) we were never home to watch tv, so we were paying 80+ dollars a month for TV we weren't watching. And we haven't had cable since, it's been years. We just use Netflix now and of course for me KZbin.

[@brittg.3033]

Like you said, "Once you see progress, saving/budgeting becomes fun." I totally agree! Looking forward to more videos like this.

[@Aaron-kb4lj]

Great video! I'm gonna have to start making budgets again. Cutting cost of beverages really hits home for me. I used to get a drink at starbucks everyday and sometimes twice a day and was spending hundreds of dollars each month. Now, I have a coffee grinder, electric kettle, and a french press at home and I also have a coffee subscription from Stumptown Roasters. I'm spending on average $40-60/month, which is still a lot but a lot less than I used to.

[@cherylannjohnson8801]

You are so smart Christine...good advice. Many years ago my husband and I did what you advise and worked our way out of debt. It was so empowering that I believe it made our marriage stronger. Now we pay for everything monthly & have saved for our retirement. Nothing is for sure in life, but I do believe living debt free brings us a better quality of life. Blessings...

[@johnntanya]

Very helpful...thanks so much, Christine! The entertainment and eating out I feel are two if the biggest expenses for most, especially for us. Great tips!

[@alejandramartinez926]

Can you do a meal prep video plsss!!! loved this thank you!!!

[@michelemcgill1720]

I absolutley agree with you on pets. Our Cocker Spaniel passed away 3 years ago. My generous neighbours let me walk their dear little Maltese. She loves me and gets so excited when I come over to take her for a walk. I'm sure there are dogs that would loved to be walked and families that are time poor and would love a neighbour to do that for them.

[@tario45]

i already do all of these. i have a very small budget. i don't spend money on activities. i also don't really do impulse purchases. i usually wait and think long and hard if i really would make use of the item. sometimes you just know to buy it but the other times when you're not sure, it's best to wait.

[@AndreaLKL72]

I have been watching you for YEARS, Like when you have 1000 subbies. I remember when you started your 'no buys' and started going minimal and thought that's friggin awesome and made me feel learn to really appreciate products I have. Just have what I love & love what I have.

[@paulaiaco1434]

You got it girl!! I am on my way to financial freedom. I lost my job for a while. That was pretty devastating. Now t time to pick up the pieces and move on. Thanks for all of your great inspiration Christine

[@christinekobzeff]

You rock Paula! That's awesome you were able to get back on your feet and keep pushing forward to financial freedom! xo

[@paulaiaco1434]

Thanks so much ladies...a lot of life lessons there!

[@homewithkarri4486]

Thank you for the video Christine! I too love Dave Ramsey & Rachel! I'm a subscriber to her channel. It's so helpful! I still want to get their book that they wrote together Smart Money Smart Kids. It helps parents to prepare their kids to appreciate the value of money, be responsible with the money they earn & how to prepare a budget. And I have friends who have very nice things & never pay full price because they only shop the clearance racks or sales! When we shop together we find it fun to see how much money we can save!

[@jenniferw1191]

Great tips and motivational too! The growth in your videos is amazing. I can't wait to see your new journey to the mainland.

[@aflewis58]

Very good information! I tip I use for grocery shopping is go every two weeks and to use up all of the food I already have! Thanks for the helpful tips!

[@DontDooTooMuch]

Some of these are good tips but I believe that you have to live your life, even with bills you should let yourself live a little. saying no to yourself all the time sucks. example I love the movies so once a month I'd like to go to the theater. maybe we eat at home then go instead of eating out and I may even sneak in snacks too lol.

[@susanwebb2337]

shopping for clothes can be very addictive. I used to buy so much clothing and at the end of the year gave away stuff I didn't even wear. It is hard but still possible to control it. one year I decided to go an entire year with out buying any clothes. well I actually did six months but the results were amazing. Now I only buy what I absolutely need most times. I still surf the clothing stores on line or go window shopping. I even put stuff in the cart but I rearly check out. It's phycological. But that's my coping mechanism and so far so good. Thanks for the tips! very helpful

[@intuitivebeginnings]

I would love a video on how to budget for groceries! I'm always going over because once I get to the store I'm tempted by all the yummy looking good or meals I can make! Loved this video, will definitely be using a lot of these tips!

[@AlexandraVicunaPerry]

Great video...thank you👏 we also have cut out all unnecessary expenses...

[@nickpatterson6319]

Excellent tips! Ive done most of these and it really does work. I trim everywhere and I don't miss anything and still live a great way of life. I live in a place with an HOA with a pool/clubhouse and one thing I started doing is showering at the clubhouse after I swim and shampoo and blow dry my hair there. Saves on my water and plus I feel like I am paying HOA dues so it is not stealing it! I also stopped paying bills via mail to save stamps. Everything goes on bill pay on line. Love all your videos, keep them coming!

[@MsZozo31]

It's refreshing to watch a KZbinr who doesn't shop. Don't get me wrong I love a good haul video but some KZbinrs are setting unrealistic goals for our youth but showing haul after haul. As a more mature viewer I sometimes watch videos and think "lovely, but I need to pay my mortgage, buy food, pay my bills.....". A great video, thanks :)

[@brendathompson2503]

Great video Christine! I'm going to work on some of those tips this weekend. I'd definitely like to know how y'all plan your meals & handle your food budget! We've cut out a lot of unnecessary expenses & don't eat out as much but always seem to be running to the grocery store, it really adds up! Btw, the transition to vegan eating is going well & I'm loving the thriving plant based website w/Michelle & Jay you recommended! Thanks again for all you do for us, look forward to seeing you again soon. Have a great weekend!

[@julianne1gringol]

I would love to see the food budget process!!! Thank you so much for sharing! Stay excellent, Jules

[@christinekobzeff]

Sure! Can do, thanks Jules! xo

[@charlottejackson351]

Christine ... Great job!!! I follow Dave's plan too... I'm moving to eliminating electric and water bills ... Well water and solar!!! Thanks for posting and inspiring others to get on board!!!

[@erikaskoch9806]

These are great tips. My husband and I just paid off our last bit of debt this week, and we too used many of Dave Ramsey's ideas. You are right, financial freedom feels good!

[@NaturalCanadian]

Using a dryer does not use that much electricity per cycle. These high tech energy efficient machines, really use minimum electricity and cutting it out will not significantly reduce your bill

[@Destinedtoreignnow]

Everything you said was perfect for a family that don't have kids!

[@marykayandelle]

get movies from free at library!

[@l33hd33r]

Thanks for making this video. It's not about sucking all the fun out of life but living within your means so that you don't ever have to feel stressed out about money!! I love tracking our spending, its kinda like a game to me, to see if we can spend less each month on things like food and petrol.

[@TheBohemianStyle]

Thank you for sharing. We've cut back a lot but we don't find it to be fun at all. Since we cut back, we are more bored and very limited on entertainment cost and don't feel like we are living. Yet, we don't have a choice to do this because companies don't give raised to at least match with the cost of living. Excellent suggestion on turning off the water heater. We don't have that, but if we were in that situation, great idea! Is there a way to get some solar panels to get energy that way?

[@miaef3739]

Thank you Christine so awesome to be subscribed to your channel!! My husband and I just bought a house (Yay to no more paying rent!) so yes we also do not have cable but need our internet/wifi so much cheaper, plus we only use our cell phones also plus I subscribe to netflix and watch on my tablet movies which equals low electricity!! We hardly ever go out to eat only for our birthdays and I always cook and prepare our ice coffees / coffee / teas / lunch for on the go Your video provided so much more savings and tips!! Thank you you are an inspiration and I always look forward to watching every week stay happy Big Hugs your friend in Hudson New Hampshire :)

[@acknelspence7587]

I honestly have already applied all those tips you provided... I'm down to the basics that I simply cannot live without... Water, electricity, internet. I have saved so much for the past 4 months..

[@greedy_muppet]

I've been watching videos on frugal families and have become inspired to reduce my food budget. I am also planning my meals and making sure I cook instead of buying overpriced boxed items or purchasing fast food. Glad you made this video. It's fun to challenge yourself to live without the extra luxuries so you can eventually save up to buy what's really important. I want to pay off my car, so I'm working three jobs and cutting costs where I can.

[@sassyover55]

I stop buying teas, I have a davids tea mug, and I take my tea with me every day, it keeps it nice and hot. I bake my muffins and blue berry loaf and I take a slice on the road. Thanks for sharing great tips. I am happy to say I have no credit cards debts.

[@vol.9543]

Yes, shopping as a hobby. I need to get another hobby. Pray for me in Jesus name

[@xlasvegan7x]

Great advice..I used pretty much the same methods and it easily saved me a few hundred dollars a month not to mention that I was all around becoming both mentally and physically healthier.

[@creativenature2449]

I am not planning on having a debt any soon, but I actually need to take care of one additional bill. We have a 3in1 cabel solution, that includes phone, internet and TV, and we don't even own a TV or a traditional phone... Not going into debt and saving some money should be an even better feeling (and then I will spend it with joy on my hobbies). Your videos are always helpful for me in some way :)

[@arenyt4496]

Loved this video Christine. As soon as you uploaded I rushed to click it and as I started watching my battery died, so I rushed to my phone to watch it. Love ya❤️

[@christinekobzeff]

Haha aww thanks Areny! Love you too! xo

[@almetrabriggs6377]

I've been super enjoying your channel since I saw you clean out and donate massive amounts of makeup! That resonated with me because I cannot understand why people keep so much STUFF. Thanks for sharing your budget tips. Keep up the good and helpful videos!

[@sandrainchicago]

great tips! would love to see how you plan your budget and meal plan.

[@charashanya]

+1

[@LoriWattnz]

we have cable TV but a free one called free view in nz

[@christinekobzeff]

Brilliant! :D

[@christine5669]

+Christine Kobzeff I still use bunny ears to pick up local stations! :)

[@soniasoto4936]

you can cut your cable off if you buy an indoor antenna i did it it has a lot of good stations.. a lot of classic shows which I love 2 watch..

[@LoriWattnz]

we get free cable as normal tv been up graded in NZ

[@Dreaming0fSunshine]

You're right, going to the cinema is a huge cost.. Here its around 16-21 dollars per person.. unless you go on Tuesday.. insane. thank you for the tips!

[@missmayflower]

Lots of good tips, especially getting rid of the extra car. So many women also need to stop buying clothes because they're "cute" or on sale and wait til they actually need an item. There are now lots of good videos on planning your clothes shopping, instead of doing it on impulse. Also, their bathrooms are overflowing with expensive makeup that would take years and years to use up - long past the expiry dates. So wasteful to keep buying it before you actually run out of a product. And a really big one is to stop smoking.

[@OjitosRM]

Great tips! I used to spend loads of money at the hairdressers and nail salon and starbucks, now I do my own hair and nails except trimming, and I dont go to starbucks anymore, so yeah :) I also used to buy lots of magazines, cut those off too

[@elizabethhatchelt9127]

Really helpful tips and couldn't have come at a better time! I've been watching for a few years now and I love your videos 😊 as a single mum to 2 small boys life is very hectic. Your videos have been both a little escape and an inspiration. I started the KonMari method a few weeks ago after you recommended her book, I read it in 2 days and haven't looked back! Your tips in this video are great and I look forward to more. Thank you Christine for your calming, well thought out and informative videos - yay!

[@kayteekans]

My husband and I have Verizon and we get 22% off our phone bill every month because he works for a large company!! All you have to do is go into a store and ask for them to check if your workplace is eligible and depending on the company you can get like 5-25% off or something like that! It saves us about $150/yr. Idk how well known this is but yea, just want people to get the discounts they deserve! :)

[@Maquillage79]

Does AT&T do that ?

[@StarsHollow214]

+Maquillage79 AT&T gives a military discount. They may have other discounts too. It's worth a call to find out. :)

[@Jsbdhuwbxbks3]

+Maquillage79 yup! They do!

[@dreamweaverp]

I really love this video. Can you teach how to make a excel sheet to record spending and budget? No need to give personal info just how to make excel file budget.

[@MarriageMotherhood]

Awesome advice! I talk about zero based budgeting and how to do it on my channel. Thanks for sharing!

[@jarepr5276]

In Puerto Rico you can go to the mivies and depending on the day, the tickets sre only $4 or $8 if you want the CXC theater. 💪

[@TheDeannaCastro]

It always seems we are on the same page. I recently moved to the mainland from Hawaii. My hubby and I went through financial peace university and budget. We are going to be full time RV-I got for awhile. No rent or mortgage, solar for electricity, and DIY-ing up the camper. I am thinking that may be your next step too lol.

[@pollydolly9723]

Hi Christine! I use a meal plan too; but more for ensuring I eat properly and with portion control. Part of that ties in with the not eating out as well...restaurants would be the usual meeting place but now it is the park or just tea for $2. I agree with all of the suggestions...would be interested in your take on how you and Michael decide on WHICH debt (assuming there are credit cards for example) gets how much monthly.

[@deniseh107]

If she is a fan of Dave Ramsey, there's a good chance that she is following the Snowball method. You make minimum payments on all your debt (credit cards, loans, etc.), and put whatever extra you can toward the one with the smallest balance. Once that one is paid off, you do the same with the next highest balance. And so on. You don't look at which has the lowest interest rate, just the one that has the lowest balance.

[@pollydolly9723]

+Denise H thanks!

[@womanofacertainage5892]

Great video, thanks! I have one to add: Stop coloring your hair. I stopped almost 2 years ago and never regretted it. I save $150 every 6 weeks, my hair looks AMAZING now, so much healthier without the chemicals on it, and I feel more like me. Do what works for you, of course. This has worked so well for me and I get compliments on my hair all the time. I never did when I was coloring it! (I'm mostly platinum now, which is even trendy. LOL)

[@DandelionGreens]

Great tips! And I love watching Dave and Rachel's videos, too... they know their stuff!

[@Carrieonfire]

Love how you only have one car, don't have a dryer, drink water instead, don't have a TV or cable! I'm doing these thing as well. It makes a huge difference!

[@Rogue817]

Hands down most realistic and relatable KZbinr

[@vanessa91614]

I love that you branch out and you're not pigeon-holing in one niche. this was a great video.

[@xoxomaxine1]

Yes! I love this! I'm a huge fan of Dave Ramsey (still on baby step 2). I started the same time I read the KonMari book.

[@julzbo]

great, Christine! I am focusing on becoming debt-free asap! Would be cool if when you and Michael move, you do a bunch of vids on saving money by making your own furniture, etc! Maybe a storage banquette, instead of a sofa.

[@albagf73]

Great tips Christine, I really took notes, these will make it easier. Thanks for sharing.

[@nanibuchanan7443]

You're videos are inspiring. Mahalo for sharing these great tips. It's taken me some time to embrace budgeting and to be mindful and patient with myself. We've not had cable for a decade now and are really chiseling away at our den. My weakness is the chai lattes and the weekly treating myself. It's really challenging to change familiar behaviors, but I will continue to work at it so my future me is not so stressed.

[@ZCEAV]

I remembre watching your videos when u came back from your Thailand trip and u started to go minimal, it was exciting cause at the time I was doing the same but then as your videos progressed you would make trips to Costco and Ross almost every other video and filled your small cottage with stuff... I'm glad to hear you're back on track 🤗 we are on the debt free journey as well!!

[@ciskelouw]

This really inspired me! I just resigned and starting a new job in August. Btw I am a Kindergarten Teaching living in Dubai. Well here we get a huge end of service gratuity. I just decided i will take that money and pay off my entire credit card so when I start my new job i will be totally debt free. I really want that freedom and can finally start saving!!!! Thank you Christine! P.S. I got lingual braces so that was also payed with my credit card. I know the struggle.

[@LifebytheBowRiver]

Boy it's going to be hard to watch you move away from beautiful Maui. It's kind of what I love about watching you. I'm sure you'll show us the beauty of Az and I look forward to that but Maui is paradise! Thanks for the inspiration again today! Going to cut a couple so bills!

[@tjohannam]

Another tip, do any bodycare yourself! I do all my nailcare and haircuts myself, it saves tons of money :)

[@ACGNikki]

Eating out really DOES cost you more. Cooking at home ended up saving us an extra $500 a month, when we had 4 people living at home!! I couldn't believe it!! And take lunches to work too! Another good tip, which is one you've mentioned b4 (maybe even in this vid, if I didn't catch it)... but UNSUBSCRIBE from all emails that send you their current sale ads! I'm a sucker for a good sale, and eliminating that will save you from unnecessary spending. Also, save your grocery shopping trip to ONE trip. Running to the store every time you want/need something, or for every other supper, increases your chances of impulse buying while you're at the store for things you didn't go in for. Go once a week, and at some store once a month, and stick to making a list beforehand (for things you need, and also for recipes).

[@retrodollstyle]

I love Dave too...I made my own fabric money envelopes and I buy everything in cash :)

[@irhonda31]

First time watching your channel - just found it in the sidebar (probably because I have been watching Lydia Senn). Anyway, I have just started this journey, and I discovered that you do have to write a new budget every month. All of your tips were on-point. Thanks, I'll be subscribing!

[@jessicaking1540]

Loved this!!! Please please please do a meal planning budget video. Thanks.

[@jessicajessica4902]

We follow Dave Ramsey as much as we can...still learning. Its great. Love these videos!