How We Stopped Living Paycheck to Paycheck

[@TwoHorses7Ducks]

Your honesty is sobering. People need to hear that it's going to be painful. Great vid

[@SirenaSpades]

58 thumbs down are all credit card companies. Very good video!

[@kimberlystrickland189]

I really wonder where the thumbs down come on these videos.

[@naomiking2442]

Love this! Thanks for sharing! Dave Ramsey changed my life in my 20s and now (at 39) we are 6 months away from being mortgage free :). You can do this!

[@HALLIWEL07]

Naomi Talking Money wow congratulations i hope to pay off my mortgage early as well

[@Ileanainbliss]

Naomi Talking Money awesome!

[@Noliving]

So are you mortgage free now? It has been a year.

[@msdeenatural_3]

I'm living paycheck to paycheck but God has been good to me and my children. I pay my tithes and offering faithfully. My bills are always paid. I'm a single mom of three by the way. God is good, I focus on being positive at all times. When it comes to my children I don't care how big the bill is. They health matter more. Better safe then sorry. I like your videos.

[@donnaroberts4513]

I am just like you I never have to borrow money . People come to me to for loans. I also pay my tithes and offering and spent money with common sense. Alway have savings and the Lord has bless me with a 20,000 dollar raise in my salary.

[@aliciam.7855]

I cut my own hair (long hair with layers), dye my own hair, and cut my husband's, 3 sons', and 2 daughters' hair. I have done this for years and it saves so much. I learned to cut my own hair from a KZbin video. Don't be afraid! If it doesn't turn out you can just do pony tails and buns until it grows out!

[@lriver5766]

Love this! We do the same at our home❤️

[@eleanorkerby]

we have a place called the great exchange thirty minutes from my house where you can take 25 pieces of clothes/books/jewelry and exchange free for 25. it is a ministry of a church. It has grown hugely. I have taken clothes people give me and took out baby blankets for people or even larger ones and used on my dog's beds which are small canvas cots. I don't even have to buy books anymore and except for underwear and shoes have not purchased clothes for years now and I work in a law firm, not going shabby

[@nevertime1246]

This is incredible! I somehow falsely assumed that you were frugal most of your life. I have a very similar story and I rewarded myself with a new car when I graduated with my Bachelors at 26. (I graduated later in life). I still have the car and am planning to keep the car another 6 years, if I can! Thankfully I got a large raise 6 months ago, and I've been able to save a lot more this year. I have a $118,000 mortgage and am $72,000 in student loan debt. I've been stretching my money here and there but I know that I can do more, as far as being frugal. Thank you for your videos. I believe you offer practical advice, in a very relatable way. I'm glad I discovered your channel Dana.

[@debtsuckzcanada5081]

I just came across you on KZbin great video. I am a divorced mother of two teenagers just trying to make ends meet. Your ideas are great. it's hard when you paying all the bills on your own.

[@msdanaryan]

+Debt Suckz HUGS! I was raised by a single mom and I remember vividly how hard it was for her to make ends meet. ❤️

[@ssc3001]

Debtsuckz Canada Hi! I’m a teenager whos of a working class family, and all my friends are too. We’ve all worked since the age of 14-16, if your kids are of that age, maybe ask them to find a job? Just to help out with the bills, food, clothes, sanitary products, anything! It helps having more than one income :) hope this helps.

[@patriciaking7892]

Be frugal on material things but not life. Be frugal but not a fool.

[@donnaroberts4513]

That is why I buy the best food and eat healthy. Health is so important especially during this cov 19 crisis.

[@emmastutts8381]

Your story is my story. Finally starting to wake up. It feels so overwhelming but I don't want to live in the cycle of debt anymore!

[@msdanaryan]

HUGS! You aren't alone. ❤️

[@AmbersFamilyof4]

You made a ton of excellent points! All very true! Living paycheck to paycheck is very stressful. Having an emergency fund is so important! These are 2 things that I've been preaching for a long time.

[@msdanaryan]

+AmbersFamilyof4 Some of us just need to hear it 100 times before it sinks in. LOL! ❤️

[@charlievillanueva726]

we didn't live paycheck to paycheck but we're​ trying to save money. I'm so happy to heard this video.its gave me ideas how important to saved money thank you so so so much!

[@bethanieboo962]

I like how down to earth you are and how simple you explain things. Just started watching you!

[@sylvievicenza179]

You are preaching what I have been doing most of my adult life. Now I have a adult daughter that has been observing me and was telling me that it was difficult to say no to invitations... I would like to tell my answer to her. I did ask her to have her friends over and talk about money for real. We would be very surprise to see how stress are these people with nice cars and nice things. I prefer to be able to sleep very well at night than wondering how we will make payments.

[@hoffmansforhim7365]

This video makes me cry everytime when you are talking about son. You can tell you are a great mom! Debt makes our decision making poor. I too have made bad mistakes due to debt decisions.

[@DW...]

Hits home when it comes from a real person & not a millionaire. Great video!! Thank you👍🏻

[@yamieandre7700]

I sell health insurance, that part made me cry.

[@nikkinone-ya]

Wow .. your story is so similar.. I just went thru my last straw but had to do a bankruptcy to get a fresh start ...Im a mom of 4 since 16 I did the same as you! I was so far in debt living off the payments I made on the cards...now I never want to end up like that again, and came across your channel.. Thank you! I am loving your videos!

[@EdenSignal]

I needed to hear this, from a real working person and not some millionaire internet star...subbed.

[@mysticallavish1360]

New subbie, I'm learning so much thank you Dana💖I'm 48 single mom of a teen son. No house or car payment. I have always lived frugally but tired living paycheck to paycheck...I really like to own a small house, my dream.

[@mzabs1871]

All of this is wonderful advice. Its spot on. But when your partner isnt on board, all the great advice in the world doesnt help. So depressing.

[@سهيلعلي-ر6د]

Yes, its the worse, but dont quit, go slow, in my home my mother, is very stubborn, she dosent want to hear my plan, to pay debts and save money, we have a lot of waste here, and we have discussions about this, i get upset but i have to keep on fighting, its for the greater good, it would make life more easy, in shaa Allah( if Allah wants). Keep going dont stop. I am actually thinking about making a powerpoint presentation explaining how to cut of things and the benefits of it.🤣🤣🤣

[@chantalreneehayles7976]

stories like yours are very important is realizing that financial literacy starts from a young age. many people get themselves into terrible financial situations just from bad decisions made from when they were younger

[@CranberryEssentialTarot]

Thank you for being so honest. This is one of my goals is to stop living paycheck to paycheck. We are on our journey, we'll make our goal. Thank you again.

[@msdanaryan]

+CranberryHorn We both can do it!! 2017 is going to be a great year. Thanks for your comments!! 💕

[@jmmbarkovich8734]

Thanks for sharing! Love that curly haired beauty! Cut my cable in 2011, cleared all debt, and credit score jumped! Available credit is massive; in case of emergency use only! One needs to police one's spending; I'm now spending only half my take home pay, and saving the rest. My retirement plan is set as well. This is peace.

[@lilyann168]

I am determined that after I pay off my current car, that I will never have a car payment again, or at least to get a cheap enough car where the payments are only for 1 or 2 years. (Real cheapo junkie lemons can be dangerous) No more of these 5 or 6 year car payment plans though. Done with that!

[@lynnreed7342]

I wish I had thought of that ! I have a 5 year loan...started last Oct. My auto insurance is much more too~! Trying to figure out how to sell it for what I 'paid' and get a $2000 car.

[@franchettabeckford6753]

I feel the same. I don’t ever want to pay a 5 year car payment again.

[@amandamac8790]

Another thing you can do, if you have a school of beauty in your town, they usually charge less to let the students cut hair and learn styles (if you're not really picky on how your hair looks...) I usually just put my hair in a bun, but to keep it healthy, I get a trim every 6 months. It's usually half the cost of even the cheaper of salons!

[@tysa1999]

Amanda Mac I do this too!

[@veronicabean49]

Yes! I like the Aveda schools, because I like their products, you get a nice head massage, and the instructors check in frequently to make sure the students aren't making any huge mistakes (last time I went the students even had to show the instructor a plan before even touching my hair). It took a long time, but I ended up with a good cut!

[@citygirl138]

You are my go-to gal for financial tips! We are completely dept free. My husb. retired in 3/2018. Living frugally is a lifelong process. But, w/ it comes such a peace... TY for yr videos as I so appreciate them. You have such a gentle spirit, Dana. Nancy

[@gdaygday1209]

I love your sincerity and honesty, thank you for sharing.

[@andmelinda]

Ugh! I wanted to cry with you! I had an identical situation when my daughter was little and I took her to the ER with no $$. You're so inspiring!

[@stablecircleh]

I am so sorry that you went through. I can tell it was painful for you and continues to cause you pain. I pray God gives you peace with that situation.

[@wakeup_withAshley]

love love love this!! i just faced my debt the other day😕...scary it is!! Its so hard to live below your means!!

[@msdanaryan]

+ashleyplus3 Good job!!! That was the worst part in my opinion. Facing it! 👍🏻💖

[@yrellim]

Train for a new job immediately I not sooner kitten and become a cat lol x

[@kathyradford4048]

I rented out the second bedroom , i.e. Got a roommate, in my rented place.

[@cheryl1205]

Just found you this morning, loving your vids. that's called hitting rock bottom. love your honesty. hugs!

[@tyjomeb123]

What beautiful curls that child has!

[@katebaker8763]

bless you my dear listening in tears 😭 we have been there too!!!!

[@SarahtheDietitian]

Wow. Tear jerker story with your son. I've totally been there too.

[@MD-ul3sd]

Family is more important than money.... Visit your Mom! I regret so much not visiting my Mother saving gas then and now that she has died!

[@keg10609]

I totally agree no matter how much gas costs I will always try to go see my family every weekend.

[@nickob55]

Yeah I used to think that then I thought hang on why dont they visit me.....I was always a visitor and chaser until one day I decided not to bother, good decision

[@lynnreed7342]

that is sooo sad.

[@Edith.G.G.]

@anonymous reviewer yeah, I feel so bad after spending time with my parents and one of my siblings, cause they are so narcissistic and every time together is a big ball of criticism, manipulation, complaints, mocking at me... So I try to stay with them just the very necessary time, it's a matter of mind health.

[@mysticallavish1360]

I agree family more important 💖

[@amy2284]

Dana - I love how you referenced the Lord. I think a lot of us sometimes have to be like the prodigal son and find ourselves in the proverbial pigs pen with our choices. The scripture that reminds me how I should approach discipline is what the Bible says in Hebrews 10:12… that discipline never feels good at the time but it builds peace and righteousness. I tried to remember that when I had to cut back our expenses to pay off debt. We did it 🥰

[@AnaIngold]

Your story on how you started revolving debt from the age of 16 is so similar to mine. Same thing, everyone tells you that you need to get a credit card to build credit. So of course at 18, I got my first card. Then just like you, it was like we never had enough to cover expenses so we would use our cards as a buffer. Terrible!! Never ending cycle if you do that. Thank you for sharing!

[@msdanaryan]

+Ana Ingold I take full responsibility for my actions. I don't blame anyone, but I was taught wrong. I now see it as a crime to encourage kids to acquire debt. It's impossibly difficult to stop that cycle once begun.

[@lriver5766]

Omg this hits home😢been in your situation. We also said enough of this nonsense of living paycheck to paycheck.

[@ec8927]

Ego control is so important. One of my struggles to making changes has been worrying about appearance and how that stops me from making difficult positive changes.

[@JC-kn4fh]

Dana, I can really relate to this! I love to hear that other people are making sacrifices in life to get on track with their finances too. Yes, it's hard and I can relate to your story about the ER vs. Urgent Care. There was one time we sat in the ER for 5 hours waiting!!!! When we could have just waited to see the Dr. the next morning but because of our child's heart condition we felt it was important enough to go to ER but to wait that long anyways was horrible and it cost us a lot of money we didn't have at the time. It's hard sometimes to make some decisions especially when it comes to our children's health. We try to do our best as parents for our children even though it has costed us a lot of money over time. It just makes us work harder to save back money so we aren't in the same situation again. I love to hear your videos and love the help you offer to others by putting out these informative videos, thanks Dana!!

[@carolynbittle8791]

I love listening to you. These videos have helped me tremendously.

[@tiffanylikestodance4452]

Your "I've had it" story made me tear up. That poor baby. Thank you for sharing! I think it's so important to draw out the "why" for your reasons for being debt free and tie it to something deeper than the money. I'm about halfway through paying off my loans now. I did the same with the new car after college. If you decided to keep it and pay it off, did you refinance at a lower rate to pay off faster?

[@tiffanylikestodance4452]

Rewatching this video now as a reminder 👍 I’m completely debt free. I ended up keeping the car and just paying that off super aggressively. I’m on steps 4-6 now. So the plan definitely works and I can say it’s COMPLETELY worth every ounce of work I put into it and was easily the best goal I’ve ever set for myself.

[@leahraisingbushs]

Greay video Dana! Such an important topic.

[@karennesbitt9655]

Your video is great. You can't keep doing the same things over and over again and expect a different outcome. It is just not going to happen. You have to make a change to see a change.

[@dianesellepedrosa1876]

Amen. I really felt your pressure about choosing Urgent care over the ER. For me in is 600.00 plus for ER because of my children's deductible. Things always seem to happen after the Chiropractor or Urgent care are closed. Glad everything worked out for your little guy.

[@caraoosterhouse7348]

Don't forget the budget each month. You don't want to wander in you career path and you don't want to wander through you finances without a road map called a budget. Love your video. I used to have the slimmest of budgets, but now after years and years of saving a little each month, I have a pretty good cushion between me and the world...and I still buy 95% of my clothes at the thrift store.

[@susanovington3930]

Love this video! Thanks for sharing Dana!

[@patriciaking7892]

Live life to the fullest. When you're dead it's over!

[@CranberryEssentialTarot]

By the way, I like the style of your videos. Very nice.

[@juannyguerra9834]

Thank u so much for your channel. I love it. I'm a new subscriber. I needed to hear this.

[@JK-Visions]

I can relate to the brand new car. Took me 5 years to pay it off. I fortunatly lived at home with my parents at the time:). Still took me 15 years to pay of my student debt. And years later i discoved the debt free movement on youtube..

[@poohbairhoneyville1865]

I love every suggestion you've made. Life is too short, folks need to live & enjoy life - not struggle to get through it. Keep doing and sharing🤗

[@caligirl00]

And my God will supply every need of yours according to his riches in glory in Christ Jesus.

[@jennybanana2296]

I've never been in the same place as you (the whole mindset regarding debt it completely different where I live, it's actually not something that is consider "normal") but that was very inspiring though! Thanks for sharing

[@msdanaryan]

+Jenny Banana You are very fortunate!! I know very few people who live debt free. Thanks for your comment!! 😊

[@iamlegend3686]

Thanks. I'm going to start from your beginning video. I feel like crap. But Iam gonna face my debt.

[@leejay2418]

This is very helpful advice :)

[@nickob55]

From a very early age, probably 19 I worked out credit of any kind was not a good idea, unless it is used to make more money, a mortgage on a renovation property was always a good move in the UK provided you didnt mind living in a pig sty for a while.I did two large houses and made a very good amount from the second one..........very good advice you give.....no subscriptions, no direct debits, cut cable, no newspapers, no artificial entertainment, dont eat out.

[@racheld.8364]

Thank you for sharing this.

[@KatHamilton100]

I got onto Dave about 3 months ago. And the changes I've made already are incredible. I have the 1k emergency fund. I've paid off bigger chunks of debt than i ever have. I don't buy... anything lol, well food and general expenses. Haven't bought clothes, shoes, electronics or anything like that in a few months. It helps to make budgeting a game, to see a graph of last months spending (pocketbook great app) go way wat down has helped. I got a second job weeding people's gardens, I'm not a gardener but it's not hard. I'm now in transition with my full time job and I've had about 4 weeks in the last two months with no work. And if I hadn't of gotten into Dave's book I would be struggling super hard right now. I had an account set up for an extra months rent, and one for emergency... and i haven't had to touch the emergency yay!

[@lynnreed7342]

I love your idea of being a weeder for other's gardens. I could do that!!!

[@lynnreed7342]

I would like to weed people's gardens too....can you let me know how you managed to get clients? Your hours and other details? Thanks so much!

[@سهيلعلي-ر6د]

Incredible ideas, saving money exites me a lot. Who is this dave? and whats the name of the book?

[@Edith.G.G.]

OMG What a beautiful baby 😃

[@Suxanes]

Just subscribed!♡ You meantioned the part about career wandering, I did that for quite a while I really didn't know what I wanted to do. But anyways thank you for sharing your story.

[@896ymexf22]

Thanks for sharing your precious thoughts on meeting one's needs.

[@Beepbopboop19]

Thanks for this💙💜

[@velvetindigonight]

Tip. Keep hair simple. Keep it long. Cut ends and fringes when hair is wet and USE DRESS MAKING PINKING SHEARS! Because of the ceration you don't get that awful chopped, straight line look amateurs often get when they use kitchen scissors or hairdressing scissors. The shears mimic the snipping the hairdresser does without the bill. If you want to do simple cuts as per KZbin then pinking shears work for those also. If you use colour for grays buy a wash in six week treatment the same colour as your natural colour. Using cheap dies looks obvious unless it's a close match. This has worked for me for over five years. The hairdressers is an occassional treat not a six weekly money pit. Also study what they do to inform your skills!

[@peggyghirardello275]

I shop year round clearance for gifts xmas it saves lot money I grew up so poor I know how shop

[@cherylT321]

Peggy Ghirardello. That’s what I do. I look for bargains all year round; pick up what’s on sale and put it aside for when I need it!

[@marion6015]

watch bank charges as well....

[@debbieviebranz8100]

Great video Dana!

[@keepingitsimplebertanamari5676]

get a digital antenna to watch TV free. I get 7 free channels. you can look online to see what channels​ you will get where you live. Also a Clean​ new plunger in a 5 gallon bucket will wash clothes pretty good.

[@whyjustwhy2168]

Call me negative but a lot of jobs don't pay a lot. Even careers....I think we just put up with whatever something pays but honestly we are worth more. Way more....I don't want a job

[@tanjalentzy1337]

I love this!!! second income is a very good idea.

[@cheryl1205]

Just subscribed. Plant based, and scripture references, you're my kinda peep! lol another one in the bible is "the borrow is servant to the lender" and "owe no man anything but love". I'd rather be His servant than Capitol One lol

[@carrocena]

I love your attitude, I'm with you! It IS common sense but sometimes takes awhile to get motivated. :)

[@katebaker8763]

love your little ones curls!!!!! sooo cute!!!

[@Bill-py1fn]

stop thinking with a commuters brain. live where either you can bike or use public transportation for work etc and drop a car payment and car insurance. it is eco-friendly too.

[@EvangelistRBColbert]

I buy bulk from Costco in regards to paper towels. Cloth towels still have to be washed, which adds to your water bill.

[@aoki556]

RB Colbert not if you put them in with your normal loads. the cloth method is also more eco friendly.

[@mimibatman2787]

another idea:. get to know your library. I can spend a ton of money on books if I'm not careful. Libraries also usually have movies that you can borrow. Check out free community events, too. thanks for your inspiration!!

[@lulustoovintage4710]

So helpful, I can’t thank you enough. I look forward to viewing your posts:)

[@jenniferdavis2110]

The car payment is killing me...dentist bills as well! TY for the info!

[@moniquebrown7437]

Scriptures say “that a fool borroweth and payeth not back again.” Sometimes life situations causes you to borrow sometimes. As long as you are faithful to pay it back , you’ll be alright.

[@joanwyatt9945]

Just found your videos and they are very inspiring. Most of you gals might be too young to remember the book, The Tightwad Gazette, (highly recommend it - you can find it at the library, Amazon, or eBay). I learned a lot of really great money saving tips from it but one thing that stood out was investment purchases, purchases that save you money in the long run, such as a particular tool or appliance that will save you money. You mentioned in one video about hanging your clothes on the line. Not only does it save on your utility bill, but the clothes smell wonderful and they last much longer.

[@sassycrafter]

I loved The Tightwad Gazette! I used to get her newsletters. Good to know her books are still around.

[@elizabethiveson1784]

Also Give your 10 percent to Jesus Christ before you pay anything always put God frist

[@gracieallen8285]

When we got rid of satellite we bought an antenna and a TiVo OTA it’s nice to have a DVR and from the TiVo I can get Amazon Video as well as all the OTA channels.

[@MaRii170212]

Awesome video! Little bit at a time I'm in the between trying to get out of debt I'm paying off my cards and loans 👍🏻 the advice is amazing!

[@msdanaryan]

+MaRii170212 You got this! 👊🏻✨

[@sct4040]

I started an emergency fund to pay my taxes in April. In years past, i had put it on my Amex and it took months to pay it off, not to mention the interest.

[@countryfrau8328]

Ha! You are a fast learner and way ahead of the curve! 18 years ago (!) I had twins also and it has taken until now (facing college costs) until I caught on that we were in real trouble!

[@msdanaryan]

+Country Frau Haha thanks! I feel like I needed to be hit over the head with it. It took me too long to really commit and stop dancing around with it.

[@countryfrau8328]

You are going to do fabulously! You are so smart to start young! Awesome!

[@prolifemama]

my husband and I financed a car almost two years ago. we just about immediately regretted it! thankfully we were able to double our payments and pay off our car a few months ago. now we just have our mortgage. it IS a freeing feeling. it is challenging to live simply, though 🤔

[@mariacastillo3090]

Great tips! Thank you.

[@annbeth6730]

not being able to make ends meet means income isnt enough.living paycheck to paycheck is just having enough. what your talking about is not managing finances correctly

[@qmakesithappen]

Adversity leads to greatness when you really tap into it! Way to go Dana!!! 💪🏁

[@siobhanjojo3282]

Love your videos. The bible says borrowing money makes you a fool. I'm such a fool. I'll get there

[@msdanaryan]

Me too. I've been SUCH a fool. All we can do is leave the past in the past and try to make better choices moving forward. It's never too late to begin again. HUGS! ❤️🙏🏻

[@winterstitches81]

I’m just starting out and trying to get current. Your my guru now (hope you’re ok with that) 😝

[@AFunctionalMess]

I love this series you're doing! Loved hearing your financial story. I destroyed my credit as a young single Mom. It was good in a way because it forced me to pay cash for everything and I have never had a credit card. I can't rent a car but I can't think of anything else that I have needed a credit card for.

[@AmericanPatriotANomad]

I enjoyed this video! Thanks

[@mjones1122]

As a culture we have to stop giving gifts to everyone for every little occasion. The adults in our family stopped extended gift exchanges years ago, it was just too out of hand and the gift giving holidays were a drudge, so we stopped. Instead we get together, cook awesome meals, and play cards. All enjoyable and way less money. The kids get a few things. My husband and I share our plans for the 2 or 3 items we are getting our son and ask family members to send a check if they feel inclined. Everything over the cost of the gifts goes to the college fund savings account and no one is paying for shipping. We put everyone's name on the "from" portion of the gift lavel.

[@pocketpupsnet]

Don't forget to build passive income streams (semi-passive). You only have so many hours you can trade for dollars to earn.

[@annanimus3943]

I buy birthday and other gifts in the last week of December. The prices are great and I don't buy something outrageous in a rush to buy a needed gift later.

[@Love-dc5tq]

Love love love this video! It’s so relatable.

[@shinebrighttoglow3961]

I have many KZbinrs I follow say they do make good money. I would love to start a channel but I'm always busy. But yes I'm trying so hard to get out of paycheck to paycheck.

[@nyarmusa1361]

How did you get a credit card at 16?

[@ng3069]

Her parents would have had to sign for her! Banks don't give credit cards to kids.