SURVIVING ON A SINGLE INCOME AS A YOUNG FAMILY OF 4

[@taybelm]

I LOVE how transparent this video was on how editing can really change a conversation/video. Thanks for being real and transparent with that. Plus, this was so funny and cute, even with an important/serious topic. Love following you

[@ellemiller9182]

zack is so funny! i’m glad he has been appearing more in videos! love you guys ❤️

[@juliemarsh94]

I budget, not because I struggle financially but because after a couple of weeks/months it's actually very natural for my husband and I and I feel relieved that I don't have to worry about spending too much because we have all of our spends/savings already organized. It is just part of my routine now and I love having everything organized and sort of predictable :)

[@pico404]

"Everyone knows what a furnace is" me, googling what a furnace is...

[@nalayeplikethelion]

Pico same 😭

[@EmEmJee89]

same!!

[@ayafox1352]

I know that a furnace heats a house... but I am FL grown, so that's pretty much all I know. 😂

[@pico404]

@@ayafox1352 to be fair, I'm from Germany, so for me it might just be a language thing 😂

[@ayafox1352]

@@pico404 Awesome, I love it in Germany! (Actually that's where my next video is filmed). Here in FL, we literally invented A/C, and have no use for furnaces 😁

[@BrookieLovesCupcakes]

"Clink the Link" gave me such a good laugh, thanks for starting my day on a good note 😂 you are both so sweet together ❤

[@laurastone2771]

Oh my thank you for this video, I kept smiling and cry laughing. I love how real the two of you are.

[@jackelinecarreras5690]

Another phrase for your merch, “clink the link” 😂

[@justsomechick88]

Love that you work as a team and share one account!! ❤️❤️ I completely agree that finances shouldn’t be up to one person in the relationship!!

[@rachelmeade9307]

I love the format of this video! Makes us feel like we’re in on the fun of making it! 😃

[@natureallmighty]

I am blown away by how grown up and responsible the two of you are! I wish I would have had my mind set on what I want in life at your age, but you live and you learn, right... We need a blooper reel of these videos! ♥️

[@chavelybourgeois1667]

I’m always happy when Zach is in your video’s. Funny guy.☺️ You guys are such a cute couple.😍 Great tips for our family of 6 on one income!

[@dallastalada1831]

Your insurance covers MASSAGES?! Ok, moving to Canada. 🤣

[@elisakuratli1213]

I just recently become a mom and decided to quit my job to be a stay at home mom, so this video is very insightful for me right now :) Thank you for sharing!

[@caitandrews533]

when you want to move to those pasture-raised, ethical foods but still stay in a budget, you just can't buy those things in the same way you were before. I have a massive freezer and buy 1/4 cows or 1/2 pigs and whole chickens or other sorts of bulk orders or cheaper cuts straight from farmers or farmers markets. It's a lot of roasts, ground meats, and chicken legs or whole chickens (just getting a breast or wings seems like such a luxury). we have a lot of canned salmon too to make sure it's the good stuff (alaskan, wild). I can't stomach the price of just buying an organic, pasture-raised single cut like a chicken breast at a store, it's too expensive. But I will not compromise on the quality of the meat my family consumes so that means sacrificing space in my home for a big freezer and time in the kitchen doing a bit more food prep or maybe my time driving to a farm or a neighbouring city to pick up a bulk order. (this point of view and strategy from a land-locked gal in the middle of SW Ontario)

[@ericahuber3475]

cait andrews sorry this is random. Does canned salmon taste just the same as fresh? I hate that we’re spending $9.30 just for a pound of salmon

[@loracorwyn3713]

Erica Huber canned salmon tastes a lot like canned tuna with a more fishy flavour.

[@lastpolarbearcub]

Yes! Also eating less meat in general

[@hannahselin9176]

Thank you so much for being willing to give us this insight into your life, marriage, and finances. It’s truly so helpful and relatable! Also, you two are so funny together! 🤍

[@Victoria.e.hunter]

You guys are the best 😂 I love how much you two laugh when you’re together! It’s lovely to see how honest and genuine you both are. Seriously so cute 🤍

[@brandimitchell703]

Dave Ramsey is a great teacher of finances! :)

[@JimenezB385]

I LOVEDDD you talking about having a varied income and having a buffer ! Also awesome and super cute having you and your hubby together in the vid.

[@MissSunshineHS]

Budgeting helps me see the bright side of my financial situation. Like, sure I have debt that I am working towards paying off and some weeks are harder on me than others, but I have a plan and I don't feel hopeless. Everyone should try a budget at least once. Its freeing.

[@Noname30255]

Yay ! Another morning that’s even more happy cause you uploaded ! 💖 the QUALITY IS AMAZING

[@toysreviews123]

You guys are adorable! I love your videos especially Q&As 💓So good to see such a young couple going through life together 🥰

[@reagan941]

i think you're the only youtuber who i can set through a 30 minute video with... loved it! u

[@usernamenotfound2898]

reagan! Yes right, I get excited to see her vids. 👌🏼😊

[@taylorlover530]

Love videos with zach. His perspective is always great to hear. I'm also loving your hair at this length. Looks so good on you

[@tatycohen]

You make great videos. Don’t quit!

[@KristyStrange]

I actually burst out laughing at "clink the link". Fantastic ha!

[@myhomethyme3543]

You guys sound so much like me and my husband. Communication is key!

[@croccatcher]

I cancelled direct debits that were a waste of money, I'm going to start budgeting better as I'm terrible at it, small steps. I love the relationship you guys have so nice to see you laughing and smiling x

[@kendrarhodes6425]

Love seeing y’all smiling and happy. :) Best wishes for your family this year.

[@charlenebrissette3348]

Thrift stores are great for kids clothes cause kids grow so fast and thrift stores have some really nice stuff nowadays even some stuff with the tags still on.

[@B1ubb1T34]

Good info! I've found Dave Ramsey "zero based budget" strategy eliminates that guilt when spending lots

[@lindak1992]

Jordan Page is the planning and budgeting Queen. if someone is searching for that. Nice Video with you and your husband 🥰

[@nicolenanan-chattoo8800]

Yeah I use her 70% rule.

[@elizabethdacosta1182]

The most confusing thing about her is how she budgets so hard but has so many kids and doesn’t cloth diaper. I was just thinking that the other day while watching her videos

[@andrewp5450]

I felt like 30% of the video was you guys talking about the camera, lighting, speaking mistakes etc. The rest of the content about finances is all great practical, helpful info guys!

[@mirandarichard122]

I'm saving for a wedding with my fiance but luckily we both hardly spend money besides bills. I'm especially good with money and we are super excited to go to a half off Goodwill sale on Monday!

[@msbeautybubbles411]

To the how to keep your house warm, but affordably in the winter: seal your windows with plastic, if you have the money invest in good windows it makes a huge difference. Get something that seals the bottom of your doors to the outside or put a bunched up towel down. Keep the curtains closed (I totally open mine during the sunny hours, but make sure to close them right away when its dark). Run your heater/furnace really low, like 66 or so. If you can handle it colder have it colder. Wear layers at home and have a lot of blankets. At night also turn your heat down (or if you have a fancy thermostat you can program it to drop the set temperature at night) because a) you're just sleeping and can cover up and b) when there is nobody up and moving around it takes more energy to keep the temp up.

[@stephanier1336]

This was hilarious!! In regards to budgeting I use every dollar! It works well but ya budgeting is more behavioural! We are 30 and 33 and have paid off 2 houses. Being mortgage free is the absolute best feeling.

[@gunnikr]

Wow! How did you do this so young?

[@stephanier1336]

@@gunnikr We were very consistent with putting down extra to each mortgage payment. We also had no other debt which helped!

[@socialbianca]

I'm in South Texas. We do not have a furnace. We have a heater and an air conditioner. An air conditioner here is a MUST. A lot of people I know don't have heat; they just have fire places or space heaters. It doesn't really get cold here.

[@reagan941]

the before and after editing clips!!! wow! i never realized how much of a difference a simple filter can put on a video. it looks so good though :)

[@minimalmiranda471]

"Ohhh honey.. this is painful." 😂😂😂 I'm crying

[@MalinaCC]

We have a furnace but only use it maybe once a month during the winter months. An electric heating pad and blankets has helped us make it through winter, but we live on the California coast so it never gets lower than 35F. We rarely use the furnace because it brings our gas bills way up!

[@katiegeraldi]

I'm in Southern California- we do not have a furnace, or an air conditioner. We have a heater, which we use in the "cold" months, which makes our bill an extra $100+ a month for winter, and we only turn it on when we really need to.

[@ericahuber3475]

Zach is such a goof lol , this was very helpful , thank y’all !

[@IslandTriGrahamforever]

Thanks Delilah and hubby really good tips!

[@RudyJP]

Just wanted to say-especially for those in the US-make sure any financial advisor you use is a fiduciary! Non-fiduciaries typically earn commissions, and therefore may guide your investments to the ones that make the advisor money, and not in your best interest. Fee-for-service financial advisors are usually fiduciaries, but always check the paperwork before working with any advisor!

[@jamieroselleperez4484]

Omg you guys are seriously the cutest! And this video/editing cracked me up 😂 I would love to see more sit down videos with you guys talking together. This was a lot of fun to watch and had a lot of great information!

[@ileanacardona2248]

Girl, it’s like you’re in my head. ❤️

[@ericahuber3475]

Here in Texas, we don’t have a furnace, we also never turn the heater on like ever. I wish it was cold all the time

[@meioirish8793]

Great video 👍 simple living is the best way of properly enjoying life! So the simpler the better 😊😊 at least for me. The less I buy the more my life makes sense!

[@grecianwisdom3941]

I did the question about affording to live in a such cold temperatures because here in Greece in Winter the cost is about 120$/month. Greece is generally warm but in Winter it may get a little freezing for us: like -5 Celsius. It was a huge surprise for me to know that the heat cost is about half of what we pay here in Greece, while groceries is twice as much as we pay for good quality food. Wow. Thank you Delilah for answering my question.😊 God bless your family ❤️🙏🏻

[@grecianwisdom3941]

Forgot to tell that we are using a natural gas furnace, too. So you can compare the costs.

[@ritzelpauda3320]

May Godbless you Both from Toronto 🙏❤️🥂🇨🇦

[@geegee_509]

We don’t have a furnace in Miami. Lol When I moved to NJ I felt like I was in another country.

[@ericacommins584]

Loved this! Y’all are so cute to watch!

[@yap4808]

So now you know....go and CLINK the link😭😭😭😂😂😂 i am dying😅

[@shelbyhenderson6923]

I found switching to a planted based diet saved me so. much. money. Plant foods are more nutritionally dense and cheap and honestly where all the flavour is if you do it right! def a tip to switch if you wanna save more and want to do right by your bodies, ethics and environment.

[@katlyntriplett4619]

Here it's our air conditioning bill that's crazy. We have both a heater and AC. But my friend in Rhode Island said they only have heat, no AC.

[@Shart-santha]

As someone who lives in a hot region- aka Arizona, we have a heat pump, we use it as AC during our miserable summer and then as a heat pump during winter. We actually save quite a bit of $$$ because we use a hat pump instead of a furnace and our house uses electricity instead of half electric half gas.😯

[@TheSoapBar-ng6yr]

Fun fact! It's actually a law that all homes in California have to have heat! I'm in Los Angeles. We only use our furnace like end of November though March.

[@Housewifeforhim]

LOVED this video!!!👏🏼

[@nisba4901]

Well said 😊

[@kawaiikattzz]

You guys are so cute and this is hilarious LOL. 🧡 Me and hubby are in CC debt, not a lot, but it’s holding us back from moving out of my in laws house. We’re also living on one income so 2020 were dedicating to paying off debt and saving for our future. Easier than said definitely.

[@jettesummek3011]

Zach is right, you should´ve explain what you are heating your house with. I don´t even know the word with "F" (or whatever)..

[@umidanarmatova7457]

Thank you for video hi fom Uzbekistan❤🌹

[@kaylamunoz9474]

Minnesotan moves to California: we have furnaces in CA but the problem is the insulation in the housing in California isn’t that great. So when we turn on a furnace it bumps our bill up 100 dollars a month and we don’t even run it all day. Whereas in MN I paid 30 dollars a month. Which may contribute to people thinking heating in cold regions is super expensive.

[@ravenlocks863]

I can watch a whole video of you two full of bloopers.🤣

[@nunabanuna]

This was so helpful!!!

[@ashleynilsson8693]

I so relate to your husband calling you out on how awkward filming a video is. It sounds just like what my husband would do

[@jamiebarrientos9969]

Weve been on single income since april 2015 and will be until 2024 when the youngest starts kindergarten. Our income is only 30,000 for our family of 5. Our mortgage is our only debt, and we dont shop for things constantly. When we do, its gifted or thrifted!

[@katrinaclement8176]

We have an HVAC unit that cools and heats! I live in GA and it can get up over 100 degrees ferenheit in the summer and can get as low as 18 degrees ferenheit in the winter! ❤️

[@HarryFANGIRLPotter]

Loved this

[@jacquelinebhg2325]

omg u guys are the first ones to say same thing happened to my husband and I, we got pre-approved for WAY MORE than I was comfortable for mortgage. i was laughing and even a bit freaked out at the number they gave us. we found a different Mortgage Originator soon after who was realistic and really got a sense of our income and finances and I think the smartest decision we ever made as a couple.

[@raisingthemdifferent1618]

We live in sunny South Africa on the tropic of capricorn and we don't even own a heater so I have no idea what a furnace is and how it works 😂 I love to see the snow in your videos.

[@lisamedla]

Honey I live on the equator...well ten mins from it. Furnace is the sun during the sunny season😆😆😆

[@sagesaysrawr]

Ive lived in california my whole life and to save using our heater, my family always insists on a space heater instead of using central heat

[@philippapay4352]

It is so good for you to share with homeowners and parents as profoundly young as you two are with so little experience of spending money as adults when you suddenly took on responsibilities. It's a big help for others to have an example, a guide, one couple's method.

[@etharnaser9539]

I wish you become a million subscribers

[@christinavanklink2470]

I feel like I got a little shout there with the "Klink the link" Delilah 😉

[@chelseycreed1696]

I have gotten pretty saavy at stretching our grocery budget. I do price match and it is worth my time and effort. It's not for everyone but it's the best way for us to get all the things we need and have the treats that we want. The other thing that has made a big difference is to consciously work in meatless meals or meals where meat is not the focus. My husband was resistant to this idea at first, but now realizes that he's not giving up anything by eating this way.

[@saramartino4473]

A pro tip from my mom for balancing healthy/organic/eco-friendly with a budget: prioritize buying organic in the big areas where it has the most health impact. Ex. If produce has a removable skin (citrus, bananas), buy it conventional since you’re removing what the pesticides would touch anyway. Always buy fresh caught unfrozen fish as the cost/benefit of quality is higher than in ground beef for example.

[@ripf8069]

We dont have gas, just regular hydro. We live in MB and our Hydro in our mobile home goes up to $300 in the winter months. But I hear others even pay $500

[@MeggieMoonASMR]

Please stay together forever ❤️ you guys are so cute

[@rebekahhilfiger5055]

We just moved from NY to TX. They do have furnaces in TX, but don’t have to use it as much as in upstate NY!

[@moriahschairer]

As someone living in Upstate NY I know where you're coming from. I dread the bill for heat each month.

[@isabelm5522]

I’m in California and I don’t use a furnace. I have recently started budgeting and it feels good to know where my money is going. “Clink the link”. 🤣🤣🤣 you guys are so cute.

[@SodasWorld]

You guys are too cute and funny! Me and hubby don't have date nights...we will however let the kids eat so then we can sometimes eat in peace together lol...but eating to go when the kids sleep is amazing 🙂

[@zaynahmusa95]

"Clink the link" 🤣🤣🤣🤣🤣 Its catchy i love it

[@StephAguiar]

Hi loved your videos! And this one made me laugh, I too record videos to youtube and sometimes the lightning doesn't help. I am from Brazil, and I don't know what a furnace is hahaha I had to look it up. Thanks so much to share about your life.

[@madi972100]

If you go mainly Plantbased it’s really affordable

[@marisol0813]

The weather is pretry mild all year round in Los Angeles. Your fancy if you own a wall heater lol. If your hot all you have to do is get under a tree or open a window. If it's cold, all you need is a light jacket and your good. I never owned a heavy jacket until I moved to Northwest Texas. When we moved here it was winter and u felt like I was being poked with needles 😥. I was ready to hop back in the car and go back to California 😆 We have to have central heat and air if you don't want to melt or freeze.

[@nickischroeder6048]

That’s such an interesting point, do people in warmer places have furnaces?! Lol!! I’m in western BC close to Vancouver so we definitely have furnaces (although we don’t use it nearly as long as you guys do in Saskatchewan)

[@nickischroeder6048]

Another point. Zach used Vancouver as an example as far as public transit. It’s a great point. I’m about 40 minutes east of Vancouver but our public transit is TERRIBLE. It makes absolutely no sense. When I was young I relied on public transit and I was almost always either super late to work or an hour+ early. So so bad and needs so much improvement especially with how much everything costs these days!

[@idkmanshithappens1245]

thank you for this!!

[@annamikayla2533]

How did you guys save for a down payment on a house and what percentage are you expected to save in Canada? (e.g. in Queensland, Australia it is encouraged that you save at least 20% of the total price of a house ((20% of a $500,000 house would be a $100,000 deposit😖)))

[@loracorwyn3713]

Adrianna Mikayla depends where you live in Canada ( it’s huge)

[@zachjames2285]

For first time home owners (in Canada) we actually only had to put down 5%. I think that has changed since we bought our house though... For a second home you have to pay the 20%. But having to only put 5% down on our first house made it fairly reasonable to save for a down payment. Hope this helps!

[@janessanm]

I can definitely identify with scrounging and having to pause saving etc. It's hard to not feel guilty about not putting money aside for stuff, but when I was in grad school we had to be super careful. Now that I'm working a grownup job and my husband is doing his PhD, (luckily with some great scholarships), we try to maintain a similar budget, so that we're not going over with spending. That means we're closer to buying our house!

[@elizabethpaul997]

Are you able to get either Misfits or Imperfect Foods subscription food boxes in Canada? Both of those are great ways to get organic produce at lower cost, help the environment, and reduce food waste. If not, is there something similar available in Canada?

[@ashleym5696]

1:56 in and whoa! My husband is an electrician apprentice who just passed his journey man test!

[@speckles131]

I'm from Florida and I don't have a furnace, I think I would melt. I spend a lot of money with air condition though! Very hot here!

[@brooke6310]

This is off topic, but you guys are really cute. God bless you & your family ♡ (also, great video)

[@Owca2512]

For me saving is a part of the budget because if I have my money in my hand - on my main account or cash in my wallet - I will spend it and I dont even know where and how :D also a good tip is to count your money, especially if you use a lot of cash. Sometimes I don't even know how much I have spend a month or how much I still have, because I loose track of cash. On your account it is easier, because it just shows how much you have. So yeah, for me it really helps to save up to have a separaet sub-account and a separate wallet for my savings. I dont save for anything specific but this money is still for me to spend if I need it for anything but to be honest I dont really go for it - when I have a bigger amount saved up I feel guilty to touch them and use them

[@mariahfields6322]

Hold on how many pieces come in that pack of chicken for $25? That’s crazy! I spend $6 for a pack of 20 chicken legs in Florida

[@fairdinkumsheila]

Loved everything about this video. So mature and refreshing to see in a young couple. The way you describe how you see your wealth being from God is the same way Muslims do. What we have different is that interest (like in a mortgage) for us is prohibited. Thanks for sharing and may the Lord increase you all as a family, in this life and the next 💛 Praying you're all safe and blessed ✨

[@afraas7176]

Hey I'm a Muslim too

[@barbarafaraco2]

It is such a diferente life that we have, but also so similar in some ways. I live in the capital city of Brazil, here it’s HOT like the whole year, the average temp it’s around 25°C, literally the colder we get it’s 10°C. Can imagine how it is to live in a place here you can’t go outside 😰

[@nicolewright3170]

Random question. Where did you get your couch? Thank you for the great video!

[@stacey119]

I find it best to pay for what needs to be paid, like rent, bills, etc. the day I get paid that week to avoid spending the money elsewhere. Next I purchase food and petrol, but set limits for how much I spend. The rest gets put away for savings, sometimes it only ends up $10 but it’s better than nothing. I prefer to know that things are getting paid and have nothing left rather than spending it on things I don’t need and have bills accumulating

[@AJ.0324]

You should look up Dave Ramsey's Financial Peace University; it's biblically based. He has a youtube, podcast, and an entire plan.