Are You Making These Money Mistakes?

[@ec8927]

My mom embarrassed me when I was a child as she made sales people and repairmen explain everything especially the price. Now, I wish I had her strength!

[@BudgetGirl]

Using things until they won't work anymore is one of my favorite things! There isn't always a need to upgrade!

[@wandahall4435]

Love Dana & Budget Girl!!!

[@katyh.530]

I spent the first 5 mins watching the orange head bobbing in the background! Also impressed on how they asked you so nicely if you could open the pack for them and how you weren't interrupted constantly! 😊

[@AFunctionalMess]

Love "Be bossy with your money"! My Mom worked in insurance and bought a life insurance policy for my daughter once she was born. She said the policy is cheaper and easier to get when they are young. You never know what type of medical issue a person will end up with as they get older. If anything were to happen to your child you will want the money to make it through 6 month- 1 year without having to worry about finances. Of course you can save that amount too in an emergency fund.

[@Catdoc09]

I agree so much with everything said in this video! Debt really does impact every part of your life. It's something that has been hanging over my head for years and now that I'm doing something about it, my whole outlook has changed.

[@BlackPearlMinistries]

Yes, we drive our cars into the ground. I see so many people with 'new' cars often. I figure they must be leasing. We were looking for new beds and just wanted to see what all the hype was about the sleep number bed. We said 'we will think about it' and they pulled the hard sale "I can't guarantee this deal will be around for long" I just was like - yeah, sure okay and we walked out.

[@everevey8697]

Before I buy something on Amazon I go and check Ebay's price on it.. it's usually 75% cheaper. Ebay has a lot of whole sale sellers directly from the manufacturers. Although I must warn you the shipping takes about 2 weeks to a month since its free and overseas.

[@kelleyjerred8032]

I was so scared calling my debtors and asking as of that day how much I owed on that debt I really had no idea and now I have all those depts paid off but my house and it will be paid off in a couple years ;)

[@margaritaavila2778]

steve b Why the F I comment?

[@Daringtobemyself]

Opening the mail. Yes, that can be a real problem if you don't do it. Good advice Dana. 🙂

[@makingbabytaylor]

We're guilty of a lot of these! The one we're good about is not replacing things that aren't broken. We'll even do whatever we can to fix something before we resort to replacing it. I fixed my previous laptop myself 5 or 6 times before it was finally beyond repair haha

[@cloverconnections]

Gave up daily make-up. Just clean and moisturize with quality products. Saves a lot. Mostly work from home anyway, and as a sub at the local elementary schools, who care how I respond to kids, not how I look. (Kids don't care either!)

[@shalondrasanford5449]

That's one of the many beautiful things about children. 😊

[@anneraso5621]

There is plenty of good makeup in the dollar store, though. You can invest 15 dollars in discontinued makeup items that will last you three months.

[@kathyradford4048]

Cristina Stuart I haven't worn makeup in years. It's too expensive.

[@RexySmith]

our mistake was to not replace our lawn mower 3 years ago . Every year it break a couple time during the summer and we endup trying to fix it ,wasting money because it just keeps breaking and we end up with the grass so long that we have to pay someone to cut it while the mower is in repair At the end we would have wasted less to buy a new mower right away and not have to deal with all that crap 😂

[@paula8831]

Dana....just want you to know your truly an inspiration to everybody! You are so honest and genuine and this is truly refreshing on youtube. You are amazing budgeting with your 4 beautiful children and husband . ....THANK YOU SO MUCH FOR MAKING THESE VIDEOS ....am learning so much from you

[@clairewillow6475]

I loved that you went deep at the end talking about the spiritual cost we can endure when we are living above our means and in debt

[@DeeBelluptownflavor]

Great tips. It's crazy how we will not open bills and then act surprised when the balance is high.

[@fredswartley9778]

I have made almost all of these money mistakes in my twenties. But I'm slowly getting better...One mistake I made a lot in my twenties was getting overdraft fees. They are very costly and are a result of carelessness.

[@JendisJournal]

Good tips! I don't have them all conquered yet but am working on it. The 2 that I wish more people would realize is - how much eating out really costs them and if it's not broken it doesn't need to be replaced! Oh, and I shouldn't just rely on KZbin for my income?! Bwahaha

[@livingonthecheapandtryingt9600]

Eating out is my weakness! I have a very hard time giving that up!

[@rothieadunnigan2009]

Living On The Cheap and Trying to Figure it all out. At least you are honest with yourself about that fact.

[@margaritaavila2778]

Living On The Cheap and Trying to Figure it all out. It must be because you don't know how to cook. Kiwilimon has lots of easy recipes on KZbin.

[@anniebasit5220]

I agree I m a foodie. Try my best to change it n keep it once a week only.

[@carolc2574]

Don’t give it up. Just put limits. Maybe once a week is a good compromise.

[@sarasuperid]

It can be hard watching all my friends get new phones all the time with new features, I do get envious. But I accept hand me down phones from my brother and use them until they are completely dead. When it comes down to it, the sticker shock of a new phone always prevents me from getting one when I am in the store. I can take my brother's old phone and get a prepay plan for less than $40 a month for the amount of data I tend to use.

[@GloriaCeleste]

I just love how you just keep looking younger and younger each year! ❤️ Thank you for the tips!

[@freedominabudget]

That is too true about interviewing multiple people! I'm going through that right now with interviewing wedding photographers!!

[@DebtFreeDana]

+Freedom In A Budget One time I signed an agreement of work, and then we decided against it after. But the paper said I owed the estimate even if they didn't do it. I stressed for days. Luckily I argued it and they never billed me for it. But man did I learn my lesson. Be careful what you sign.

[@stellapatterson9834]

Love all your videos. When I eat out I often find I prefer my own cooking as I put my heart into it. I love living a frugal lifestyle, so rewarding on so many levels.

[@Betrsafthensory]

I love these videos, I think my biggest problem is allotting any monies left over to a particular spot. If there is money left over I usually spend it on my kids instead of putting it towards debt. I'm going to sit down and take another look at how much extra I can put on my 4 credit cards every month, then if there is money left over I can use that on my kids and I ned to start saving an emergency fund. I suck at budgeting 😔

[@Littleone89]

Another thing I see a lot of people doing and even catch myself doing sometimes is buying things without using what I already have. And then you end up with just all this stuff. And it’s not even broken or useless stuff. It’s just an excess of stuff!

[@sidharthchand8072]

Don't buy stuff on payments; coworker bought car at 9% interest at a 6 year loan

[@elysefairchild5111]

You are sooooo helpful!!! Keep it coming PLEASE!

[@dlight2669]

Great points. I like your idea of dedicating one day a week to financial matters because it forces me or should I say disciplines me, big smile,to be consistently focused on my bills, focused on my goals , educates me once a week while I learn new things. I like how your rea,l real for people who are struggling with family and finances and real life situations the 80% live with. Most of all, I appreciate how you present it all without extreme emotions.

[@eveliah88]

Thank you for sharing, I am an impulse buyer and I'm trying so hard to stop. Watching you inspires me

[@CherylMacKay11f]

Awesome thoughts!!! One more thing. Not calling creditors to see if they can make an arrangement with you. Some will give lower interest. Others will reduce the amount owed. But you have to call.

[@nehavaidya-sachdev419]

Love your channel! You speak what i need to hear right now.Don't replace what isn't broken..so simple and yet so tough to implement!!!

[@dawna-ba-da-bing]

Not opening mail!! That used to be me. Now I want to know what’s in those envelopes.

[@dougandlisabeck5774]

Using a debt card, you always spend more than you think, use cash. And not having a budget! Changing both of these have saved us money. - Lisa (we also are trying to plan ahead for big purchases setting a small sum for each item in an envelope. Recently, we needed to do some car repairs, and it was so helpful to have some cash set aside)

[@DebtFreeDana]

+Doug Beck YES!! Cash is King! Can't believe I forgot that one. Thanks for adding it! 👍🏻👍🏻

[@antoinettejohnson6251]

Debt Free Dana ツ People have been saying that for years, but I don't know what's wrong with me. I tried several times to use the cash envelope system, but failed miserably - cash flows through my hands like water! I've been doing so much better paying my monthly bills online with my debit card. If I keep it all objective digital numbers, I'm okay; but if I have tangible money in hand, it vaporizes 😥 Am I the only one who struggles with this?

[@taleoftruth]

When it comes to life insurance, it is important to understand it. Agents will fill your head with junk about cash value policies being an investment but they never tell you that your growth is capped. They will tell you that these policies are an investment but they are really more of a forced savings plan with because of their low rate of returns relative to inflation.

[@chrisbaker2669]

I have grocery shopped hungry before but I was in town and the grocery store is 10 miles away from my house and I needed food I can also afford to spend a little more money on food.

[@atdepaulis]

i havnt watched your videos in a while but so glad i am binge watching them today! lol i need to get back on track and these kinds of videos help me! thanks!!

[@suzanneribas2796]

Very good video. i i I I. I have several things to fix. Fix the pillows on the sofa. Your skin is looking great. I have ostrich syndrome.... I hide my head in a hole when problems come for me. I have a mortgage free home and no credit card debt. But there are other issues and had my income coming from one source and am now unemployed at sixty.

[@DBUPatriotPrincess]

My husband's looking into buying our first home now that we have three kids and would have to get a three bedroom apartment. He's discouraged because every time we pay off a debt for our debt snowball, our rent goes up about equal to the minimum payment we just knocked off. I'm a little nervous about buying a home with half of our student loans left, but I can see his side of things too. I'm a stay at home mom and we don't have assets to sell off. I just don't want to make a mistake in something as big as buying a house.

[@taleoftruth]

The debt snowball is a Dave Ramsey thing. He would advise not buying a house until the debt is gone and until you can save up at least 20% for a down payment. He actually prefers not taking out debt for a home but he looks the other way since the cost of the house is so big. The reason for the large down payment is to avoid having to pay PMI and starting with no equity in the home. I have to say I agree. Home ownership looks good on paper but if you enter it living paycheck to paycheck and no emergency savings, repairs will end up in loans or credit cards and bury you deeper in debt. Good Luck!

[@itsmarialifestyle4355]

DBUPatriotPrincess If it is possible in your area, I'd go live in a trailer. You'd have hardship like camping conditions for a year. But you'd save, and maybe save enough for a house downpayment if you live in the USA. And if your social circle looks down on you for your choice of living, well, see it this way : They would never help you financially to pay off your debts.

[@nobodynobody2924]

DBUPatriotPrincess ttt

[@taleoftruth]

steve b Dave Ramsey doesn't sell his debt snowball. If you think it is terrible then dont use it. You probably don't understand that personal finance is more psychological than mathematical. Then again, you are probably just a hateful pissed off prideful fool who can't see alternative solutions.

[@bognajordan4977]

If the mortgage payment will be less than the rent, it may be your possibility to pay off other debts. You can think about that as ‘renting’ from the bank, with the difference that at the end of those payments, it will be yours. And you can re-calculate for a lower % later on. Research well, maybe contact Habitat for Humanity if they’re around you, they lower the house price in exchange for work.

[@TheKrish09]

I agree completely with your comments about debt affecting you on a deeper level

[@CarolinaCutie20]

I depend on God for everything

[@twelvesmylimit]

Brilliant video, Dana. Really enjoyed it.👍 I agree with all the points and the one that resonated with me most was wearing out things. We wear our clothes until they're unbearable and then they often become cleaning rags, etc. Our appliances aren't replaced unless they're beyond repair and same with cars, etc. That's normal for us, but I'm sure a lot of our friends and family think we're misers. 😁

[@DebtFreeDana]

+Lisa B Not sure if you noticed our sofa in the background. It's one jump away from splitting in half. 😂

[@BlackPearlMinistries]

Our couch probably looks the same. It is over 10 yrs old and we need a new one bad, but can't make myself spend money on something new when I have 3 small kids (11, 9 and 2) that I know will just wreck it. We could also use a new dining table which is also over 10 yrs old. It's beaten up but, still works.

[@marcyclark7655]

I'm happy to see someone else that gets it! Good tips! We have been following Dave Ramsey for years and his daughter, Rachel recommended Daily Dollar budget app. It looks good and it's free!😊

[@SimplyMicheleLynn]

My money mistake has always been using my debit card and also stress shopping. When I'm stressed I love window shopping and that usually ends up with a "but it's only $5" purchase. That money adds up! Using my debit card has always been horrible because I don't have to emotional tie to my money like with cash. Also it's way too easy for me to go over budget. The $50 I would have spent with only cash now becomes $70 because I can debit it instead.

[@DebtFreeDana]

+The Choice of Motherhood Cash is definitely best. It's so hard to not swipe your card. Those little purchases def add up!! 💕

[@thebestwillow]

dear Dana, isn't using a credit card and paying it off in full every time a good way to improve your credit rating??

[@SimplyMicheleLynn]

That's a great question and a common concern but if you follow Dave Ramsey any debt is bad. The only reason to even worry about your credit rating is if you want to get more debt. If you are trying to be debt free you don't need a credit rating.

[@DebtFreeDana]

+thebestwillow It is, that's true. But it's also dangerous. It's too easy to not pay it off and acquire debt. High balances sneak up on people most of the time. A ZERO credit score is the goal, meaning you have no credit accounts open and cash in the bank. You can still buy a house with lenders who do manual underwriting if you have a zero credit score. 😊

[@nicolesmith-wilson6420]

Debt Free Dana ツ I don't understand how a zero credit score could ever be a good thing. If you don't own your own home or need cars in the future, they have to be payed in cash/check to purchase them. If something happens you couldn't get a loan or if you did the rate would be sky high. I understand the goal is to get debt free. Which is an awesome goal to have and achieve! Even completely debt free it's hard to pay in full for a car or house. Even just having the minimum bills possible it would take us 4+ years to save for a car (nothing fancy). That's only if something else wouldn't happen in the mean time. My husband and I are currently in very little debt. Everything is payed off but my $5,000 in school loans. However, I buy groceries on my credit card and pay them off at the end of every month. It's all budgeted out, which helps because my husband gets payed once a month. My husband has zero credit he has never been in debt. I also haven't gotten to add him to my credit card yet to help his credit. Which means he has to give big depots when setting up Utilities. He can't even get an emergency credit card if something would happen. If he ever tried to get a loan for anything he would be denied or sky high interest. Our Insurance is also higher, most go up if your credit score drops below 600 something. I understand how it's good to be debt free! However, I don't understand how it's good to have a zero credit score? I'm really just curious I'm not trying to come off rude. I really hope you don't take it that way! I'm still young and trying to figure things out. We have had nothing but trouble because my husband has zero credit. Is it realistic to have a zero credit score when your a young family. When your trying to start out and buy a home for your family. Where I live I could be paying a $500 mortgage or $900 in rent. To rent just really isn't an option when it's so much higher than buying.

[@taleoftruth]

The point of "zero" credit score is to keep you out of debt. I understand that a mortgage is still important but you can get home loans without credit. As for cars, why would you ever want to pay interest on an asset that depreciates that quickly? The deposits paid and increased rates are significantly cheaper than the amount of interest it takes to earn a high credit score. If you can be honest with yourself and pay the credit card balances in full every month, they can be a great tool. For the majority of people, credit cards cause financial problems. Don't believe people when they say you have to have credit though. The American dream is a scam!

[@dianalynfrank6023]

So ...I'm broke and will give 'advice' from time to time - because I know what got me here. I think about what I wish I would have done (overthink about it really) and just try to save friends and loved ones from the same struggle if I can.

[@nobodynobody2924]

Dianalyn Frank t

[@Debtwarrior]

I have been though the massive debts thing and have resisted repayment those debt companies are now writing to me begging to settle at 50% and I know that they will go to 20% of t g e debt. Paying debts is aBIG money mistake

[@bxslilprincess]

Love your channel. Binge watching!

[@RealityisaComedy]

Hi there! Great video! I have a quick question. I do have life insurance but my term policy will expire when I am 54 and due to a medical condition I won't qualify to get a replacement policy. Our kids will be grown and on their own at that point. How long should someone keep a life insurance policy? What are some life insurance policy alternatives if you don't qualify for life insurance? Thank you!!!

[@DebtFreeDana]

+Reality is a Comedy I have a 20 year term policy. It expires when my youngest is 18. I hope by then we can self insure, meaning our net worth is high enough. If you don't have anyone who relies on your income then you wouldn't need it. If your kids are grown and gone you won't need the life insurance at that point. Just do your best to build wealth by then. 👍🏻😊

[@RealityisaComedy]

Debt Free Dana ツ thank you so much. That is what I am coming to realize. I am a small business owner and I don't have much retirement....but I would have plenty to pay for a funeral and have some left over. It is not much but it is something. I always had planned to have some sort of life insurance policy until age 65 - but I don't qualify and my term will run out at age 54. I suppose that is okay and paying for life insurance at that point would be wasteful anyway. I appreciate your videos thank you.

[@ThePantherproof]

10:27 I don't agree if you can get more efficiency. Sure you can run the refrig for many more years but waste a lot of money compared to new energy saving model.

[@dreamflight6000]

Love your niche!!!! It's perfect for you!

[@shortycareface9678]

To say it like this: not paying attention to bills will ultimately cost a lot more than simply paying the bill right away -- at least here in Norway. I got a bill of approx. 90nok, and I brushed it aside and eventually forgot about it. . . and then I did the same with the collection note -- and next thing I know, I receive a warning note and a bill of 550nok. . . instead of the original 90 that I owed. So, good gracious -- pay. your. bills. right. away.

[@hhspore]

I always buy stuff in bulk thinking I save money. But the fact of the matter is I lose money BIG TIME. Some examples : 1. I buy an excessive amount of skincare during sale but I ended up not being able to use everything before the expiry date. 2. I buy my favourite t shirt brand in multiple designs n colours again during a sale as I THINK that I will be wearing these forever. However, I ended up giving away some of these t shirts BRAND NEW years later because I put on wt and these t shirts do not fit me comfortably any more.

[@zdenekbenedikt9900]

Very practical and useful advice. It's pretty common sense stuff, but very well presented. Thank you.

[@MsCherylB183]

Good video. So true!

[@nerkerasaunders3368]

Love this video just love it i learn so much

[@kathleenwhite6762]

Best things are bartering systems however you need to network with others in regards to such.Also go to an auto mechanics school and get your car fixed for 1/4 of the price.The teachers have to over see the students,it's worth it for small things such as brakes,fluids, motor mounts.I was in bad credit card debt. I research on line a few low interest cards.I got one and did two transfer balances.saved me a bundle. By doing this I also got my credit score up. If you can take on a part time job.I host international students and tutor. I made balloon payment on this balance transfer card.Another thin to do is have a savings account without a debit card.If you really need cash,then you will have to go into the bank.Most companies have a system where money can be taken out of a pay check and put into different account,savings IRA's,etc. (that's how I was able to buy my home,actually the down payment ).Your tips are helpful!

[@EskimoInAlaska]

Better than life insurance is to save your money and put it aside every month instead. Pay yourself those premiums and save them. Don't fund insurance companies. They just take your premiums and do what YOU should be doing, saving and investing that money

[@nahuigonzalez6322]

About the contract mistake.... I've had people come to my house trying to sell us gas and electricity from a third party vendor, and they made it so appealing that my boyfriend and I decided to give it a try. We wanted to read the contract but the lady did not even offer it. BIG MISTAKE. Our bill was higher than before , and we wanted to cancel. I also did research and found out that most people experience the same.To cancel would cost us a fee. Beware of third party gas and electicity vendors!

[@tyjomeb123]

Excess money in my account, extra money???? What in the world? Would never happen in my world. I appreciate your tips though. Some of them I will definitely utilize.

[@Pockets-il9wi]

"Roll over and exhale really loudly" lol we call that the death rattle with our cars... 😄

[@peggyghirardello275]

Everyone doesn't have means to have emergency fund we r trying to just pay our bills eat etc etc etc yard sales r my best friends thrift stores

[@bodiemiller6266]

Hello my name is Bodie Miller just found you really liked your videos. I would like to know how I can contact you have questions I don't want public thank you.

[@kathrynpasteur8131]

I don't understand why you need a new budget every month. Can you explain that? Thank you.

[@seapanda7887]

Because every month is different, of course a lot of expenses will be the same, especially if you also set money aside for the more infrequent expenses, those expenses you can just copy so it won't take much time to make the minor corrections every month. You will usually also have to update the budget during the month, as things happen that might cause you to change your plan, that is life and normal :)

[@amymohanty1045]

If you are aware and know your true desire want and need you have can trendy quality things and relationships you want....but do not start with a feeling of lack and suppressing your true desire...

[@dianalynfrank6023]

Ah- my mistake ...the big one. I did not invest in myself. I took a "semester" off ...12 years ago and got a 'job'. I had a baby and decided to work and make money rather than struggle while I was young and my family was smaller and finish my schooling. Here I'm about to be 40 with no career to fall back on. I was laid off awhile back and have been out of work for about 3 years. Getting back in the game is a challenge now that our debt has piled up and any random job won't balance out the expense of child care. If I had an education or training to sell myself back in the game - or had HAD a better 'job' before ...well a whole different story of course. So now for peace of mind I hound my children about investing in themselves. I'm the crazy old lady that shouts at all the kids about college hahah

[@shaniquamichaux1422]

Dianalyn Frank hey, they have affordable online courses. You should look into it. My mom got a bachelor's as a single mom online and she worked full time. She is now 45

[@lillmissd]

A college degree doesn't even guarantee you a job now days, it only betters your odds! Work experience counts for more than a degree in most cases. Unless your going to be a Doctor, Lawyer, Architect, Engineer etc. 90% of the jobs out there don't even require a college degree, for most people it's just a waste of money that when you graduate their will be very little return on investment and you'll end up working at Wal-Mart for $12.00/HR!

[@Frissdas1207]

Life isnt that hard. Constantly study and grow. Learn new skills and advance the ones you already have. Down size. Don't go in to debt to buy depreciating assets. All things I wish had been taught me before i got older.

[@bognajordan4977]

The biggest money mistake I made was not having a retirement account (the one that is deducted from taxes!), because I come from a post-communist country where the country still decides what pension you get, based both on your past earnings, but also the budget and moods of the government. When I started researching that, my mind was blown 😆

[@TheImperfectReader]

I always ready the fine print.

[@lauramroz3313]

You only need life insurance if someone else depends on your income.

[@DebtFreeDana]

+Laura Mroz True! 😊👍🏻

[@MrMrsboo]

How will the person who brings in the income be able to work if the person who stays at home dies or is terminally ill and needs long term care? This made me get life insurance, I wouldn't want my husband to struggle. If he dies, his work would pay out his salary x3. If I die, there would be nothing but he'd have to pay for childcare or give up his job. With my insurance we'd both be financially secure in either event.

[@eulaphillips6986]

Funerals are expensive, even simple burials

[@aaGirlification]

True

[@ksize3147]

Laura, what about the cost of funerals and internment...you going to leave that bill on your loved ones? Even cremation costs.......

[@thebestwillow]

regarding life insurance. I am very estranged from my biological family, someone else is down as my next of kin at all agencies, and she wouldn't lose income from my passing. nobody would. I am also single, and expecting to stay that way, and have no dependents and definitely will stay that way. is there any value in me having life insurance?

[@DebtFreeDana]

+thebestwillow If no one relies on your income, then no - you don't need it. 💕

[@thebestwillow]

Debt Free Dana ツ cool. Just checking I wasn't missing anything.

[@antoinettejohnson6251]

Debt Free Dana ツ Curious that you told her no, she doesn't need a life insurance policy. What do you suggest instead, a pre-paid burial plan? It's ridiculously expensive to bury people nowadays. So without something in place, it's can become an immense burden and a financial disaster for friends and family in the midst of their grief. What are your thoughts?

[@kennethwers]

Bowwow against Whole life is borrowing your own money!! Term and save the different. The money will be in your control. thebestwillow does not need life insurance. A ira with enough money to handle burial(retirement) is what will work best for him.

[@kimmasick5874]

open your MAIL!!! GUILTY AS CHARGED.

[@Coffeecup.0110]

Kim Masick Me too!

[@mommycraftsalot]

Eeeek... I'm terrible about eating out. I'm trying to be better.

[@DebtFreeDana]

+mommycraftsalot I can get off course at work with lunches. There's amazing lunch spots around me, and always an invitation to eat from a co-worker. Sometimes I just go and sit with them, but it's HARD.

[@mel11789]

Great video!

[@Debtwarrior]

It's interesting, I want multiple investments, so are money gold jewels in the attic etc, but I like im the UK. We have increasingly 'american' employers who will make you sign that you aren't Woking elsewhere then pay you less than you need to live on etc etc etc

[@kathleenwhite6762]

Wow,great informtion

[@jenniferstoll617]

Like 89 great video. Have a wonderful weekend

[@isobelswan]

Credit cards name fine as long as you pay off the balance in full each month. Without credit card it is harder to build up a credit rating.

[@DebtFreeDana]

+Elizabeth Mallard That's true. It is harder.

[@kennethwers]

If you don't borrow money you don't need a credit rating.

[@TheAustralianHealthShow]

great first tip

[@Valentinathevamp]

Rude? I don’t care about hurting someone’s feelings when it comes to my peace of mind. I read everything that requires a signature. And if I don’t understand it because it’s so lengthy I’ve forgotten what the hell is going on, I’m out.

[@thelittlefairylady9757]

Smart!

[@Jimmy-ph8xn]

Paycheck to paycheck paycheck to paycheck...yeh some people live like they aren’t promised tomorrow, go figure.

[@melonykilby6887]

The bible even talks about debt , to owe no man nothing

[@aquinn2351]

**don't replace things that aren't broken **be bossy with your money

[@mollynoneofurbuisness3099]

steve b well we all know you save money on laundry soap by not changing your underwear!

[@aquinn2351]

Yes! You completely understood what I was saying. I'm sure you're doing well in life.

[@pablofr74]

It tells my normal sucks.

[@kennethwers]

Term life insurance only. Whole life is for idiots. When you have enough saving you no longer need life insurance(end of term?)

[@donnafrank7323]

I don't have cable

[@stradavisinului]

You have repeated "pay check to pay check" like twenty times!

[@DebtFreeDana]

+Alexandra Anca Codreanu Did I? My husband is deaf (literally), so I sometimes repeat myself out of habit. 😬

[@stradavisinului]

It's ok, just a bit boring. I like your way of thinking and I recognise some in my way of life. Perhaps because my mom used to be an accountant. :)

[@scandaliez]

Zuze

[@katbird158]

I don't me to scare you, but your dog on the sofa could probably use some medical attention..