How to Stay Motivated While Paying Off Debt

[@Emily0711]

Make it your "thing." I love this. It's so hard having to explain yourself over and over again when people ask why you aren't spending money on certain items or experiences--beat em to the punch and say it loud and proud :)

[@suredeydo]

Is that really a photo of Dave Ramsey on the desk? Real dedication lol

[@DebtFreeDana]

+Kitty Koehn Haha! Yes!! His team sent it to me. It's signed by Dave to me. ☺️

[@suredeydo]

Debt Free Dana ツ That's amazing. I love it and I very much admire you. Thank you so much for the guidance to debt freedom! ❤

[@ambermcclellan6920]

Thank you for this video. We have 11% left of our total debt and needed that motivation boost for the last lap!!

[@Myfrugallife]

Great idea, watching how people live on less, and not the ones buying overpriced stuff.

[@marriageandfamilymatters7633]

Awesome video. This is needed when your debt payoff is long like ours. We are six years into baby step 2 and will be debt free in 2018. These tips are great.

[@marriageandfamilymatters7633]

Also love that you are a working mom working in finance

[@desertrat5543]

Probably a bit vulgar, but I have the MAD money as “Fun + Bullshit”. Seriously keeps us afloat. We spend maybe $40 a week on it and it has allowed us to stay on track!!

[@twelvesmylimit]

lambchop 'fun and bullshit' - LOVE IT!😁

[@granitemoss1451]

I wish I had more people to say it loud and proud to! I have my husband (not as into it as I am) and my brother, and that's it. My friends are financial messes with no interest in changing their ways. Sure, they'd like to have more money in their pockets, they're just not interested in doing the work/making the sacrifices to make it happen. So I cheer myself on! I like to comment on places such as this, but i never join the discussions on Facebook as I am pretty sure that then shows up in my feed. I have no interest in announcing to my entire circle how much extra we're paying on the mortgage each month or what level our emergency fund is at.

[@twelvesmylimit]

K H-C If you're in a closed or private group then it won't show to anyone. In peoples' 'suggested' groups if that particular group shows up then they'll see if any of their friends are in it, but that's it. I occasionally check the members in any groups I'm in (as if your friends are in the group or join at any time, then they'll appear first in the list of members. There's also the option to be alerted if any friends join). Hope that helps. :)

[@melaniegordon4466]

You’re doing a great job! I am in a very similar situation. Most of my friends could care less. But they do know it’s my thing!

[@mk-sw9ow]

K H-C keep going! And this post is a year old so think how far you have come since you posted it!

[@myownIDENTITY2016]

Great tips! "Make it your thing" love that!! I too love Dave's rants 😄 he's has no filter, lol. Re-taking FPU just for the interaction with like minded ppl is a really good idea...you gotta find your tribe. Tfs 💚 I personally enjoy reading/listening to podcast & youtube vids from others on this journey to Financial Freedom, keeps me motivated.

[@fredswartley9778]

Great video! Keeping your goals in mind is important. I also want to get out of debt so I can have more freedom in life. I want to be free to follow the Lord wherever he wants me. I also want to have more peace of mind, cause debt causes a lot of stress and anxiety.

[@YouHaveAGoodPoint]

I don’t particularly like Dave Ramsey but I do have a financial “church” that I “go” to. So I like to watch videos like yours. Reading books on finance and frugality help me do that. I also enjoy frugal vegan cooking videos, cheap crafting, zero waste, etc. I’ve tried to talk to other people about this stuff but they don’t seem to like it as much as I do. So now I only talk to people who I know are interested.

[@dougandlisabeck5774]

This is my first year on a budget. It will be nice in January knowing exactly what expenses to plan for instead of guessing.

[@DebtFreeDana]

+Doug Beck Yes! I love having past year history when planning our budget. It's REALLY helpful. Congrats on one year!! 👊🏻

[@BrokeAristocrats]

Love the picture of Dave Ramsey in the back. I remember one women who did a debt free scream joking to her children that Dave Ramsey was her "boyfriend." They teased her because she spoke about him so much. Great video!

[@Taj-Mahal]

i couldnt figure out what irked me about that lottery dream home show. thanks for letting me know I'm not alone!

[@mayaandindia]

Definitely staying motivated is the core of the struggle. Thanks for these awesome tips Dana! 🙂👍

[@DAWN--x--]

I love Dave Ramsey too. Im in the uk and stumbled across him on You Tube. Great video x

[@TheToppingFamily]

Excellent suggestions!! Always love your vlogs. For me - I love shopping - not so much in busy malls / stores, but the act of looking for good deals etc. I used to shop for unnecessary things but now that we are paying off debt - I turn that to finding deals on grocery items, or even “shopping” around Netflix - looking for new shows / movies to watch for our date nites, or looking for new, free, apps for my kids to play. I also “shop” for fun, free/budget friendly activities for our kids to do.

[@missymurphy2444]

I discovered you a couple of weeks ago. I am hearing impaired and like your husband, my mom had German Measles while she was pregnant with me. Small world. I am loving your tips and advice.

[@vickieclark5931]

Great suggestions. I agree, Dave's rants are the best! If those don't keep you motivated, nothing does.

[@granitemoss1451]

My kids love the 'Dave reads mean tweets' videos on KZbin. Cracks them up every time!

[@sonyapope6850]

I enjoy the rants too. My husband likes the debt free screams.

[@despaill]

This was such a great video Dana! It motivated me to look at my budget...Its been a while.. I have tons of student debt that Ive been trying to use the Ramsey method to get rid of... then I got engaged 1 month agp and wedding planning has taken over.. this just gave me the motivation I needed!

[@DeedraBoodram]

Thanks for sharing! We are paying off our mortgage and it’s hard finding motivation.

[@Kimberly-fm1bc]

I have been working the baby steps for 5 months and I am doing ok. I could do better but I could just go back and dread the week before payday. Good advice on your first couple of items.

[@mommycraftsalot]

I need to start selling! The whole "process" just stresses me out! 😂

[@imzadi83fanvids7]

Agreed, glad I'm not the only one.

[@TheImperfectReader]

Dave's rants are really good. It helps me put things into perspective.

[@tkgirl9420]

I totally understand what you mean I watch KZbin target hauls etc and go and spend money

[@fortheloveofhome7824]

Oh gosh, this is needed only if you have just gotten started. I love these. You are so motivating! 🙂

[@hilaryjoseph9706]

Excellent suggestions as usual Dana

[@leahraisingbushs]

Dave's rants are great. I love listening to the annual giving show and millionaire hour.

[@DebtFreeDana]

+Raising Bushs HEY! 👋🏻 Long time no see. ❤️💕❤️💕

[@tonyasilvey9666]

I am on Baby Step 1. Trying to come up with a budget. I too hate the selling process, I have a box full of goods to sell!!!

[@Acinomnieves3]

True financial freedom is having choice, which is my goal too

[@Nat-n8h]

Great video and just what I needed to hear right now.

[@4nikkimay]

Love the rants! 👍🏻

[@brianneholmes6547]

Thank you for this video. It was a great reminder of what we can do to stay on track

[@DebtFreeDana]

+Coach Brie So glad it was helpful for you. 👊🏻

[@kfing1]

Netflix and Nope - anything entertainment like that I have to subscribe to is in the no way zone. Free tv and youtube (Dave Ramsey rants are a must imho! :)), library books and library magazines cost nothing.

[@michelelara5982]

Ive been doing ebay.. the details are so tideous. Its annoying, and slows me down. When something does sell, it feels great tho!

[@kathleenross7648]

Great video. Thanks.

[@grannyc4428]

Excellent suggestions.

[@eileenpalumbo6578]

Great tips!

[@FrugalMamma]

great advice fellow frugal vlogger. keep up the great work😍😍😍😍😍😍😍😍

[@Susan-rq2kl]

What are your thoughts about Acorns or Robinhood?

[@dnorris4733]

I am struggling a little. I paid off all credit card debt this year - and a lot of that was unexpected medical/dental bills. In fact, I couldn't pay all my monthly bills until several months ago. I have sinking funds for known expenses like auto insurance and birthdays, but nothing going towards things like a$5000 deductible for health insurance. Do I slowly build that up or focus on paying down my next debt in the debt snowball (student loans). Thanks.

[@CentsibleLivingWithMoneyMom]

Hi. What step are you on Dana? I like to watch shows that make me laugh. I always look forward to Tuesday with you Dana.

[@gaylaporritt5719]

Great video.

[@deborahcagle6292]

How do i sell stuff on facebook. Thanks.

[@liliamrodriguez3020]

Thanks!!

[@aChanceofHale]

Yes, Dana! Awesome tips! =)

[@DebtFreeDana]

+KyleandCourt Heeeeeeeeeey!!! Nice to see you here old friend. HUGS! ❤️💕😁

[@diktv7824]

Super👍👍👍👍

[@DBUPatriotPrincess]

Celebrate your small successes, even if it costs a little money. Don't go crazy, but make an investment in morale so you (and your spouse) can go the distance!

[@cmcgirl757]

You mentioned being able to take the class again for free if you've already paid for it once could you please explain or walk me through that process. I was working David Ramsey program before my car accident 11/2/19, where I end up with a TBI and it is hard to get restarted. Special because my memory and thinking aren't what they use to be. My email is [e-mail] thank you for any help in this matter it is greatly appreciated.

[@frugaled5187]

Where are you all in the baby steps ?

[@i-chiulucero9647]

Google Dave Ramsey and download app to listen his radio show anytime

[@granitemoss1451]

BS 4+. Took a lot of work to get here, but man, is it terrific! Still have a long ways to go, but getting there one step at a time, one day/month/deposit at a time.