Top 5 Frugal Habits which Helped Us Become Debt Free

[@juliescheidler7763]

I'm debt free, I think the most important thing that helped me is cook my food & pack my lunch. That literally has helped me save tens of thousands of dollars over my lifetime of work.

[@Chrissyhappy]

Definitely agree. Eating out is so expensive and becomes a habit very quickly!😮

[@sw6118]

I usually did this too-after the early 1990s-which is when every place began to sell pizza and nothing else. It always amazed me just how much a slice could end up costing you and after a while pizza is just not interesting. I enjoyed what I made much more, but it did take time and effort to keep it organized.

[@CynthiaAva]

Yes, I have made a strict food budget, which I'm sticking to...and stopped going out and eating out. It has become too expensive, especially when paying for me and my child.

[@rnupnorthbrrrsm6123]

And brew your own coffee….. it’s crazy how much people spend on high calorie coffee drinks 😳

[@Asfgxff]

Not to mention the savings in healthcare.

[@scotland99]

We became debt-free and I was 48. Mortgage paid off everything done. Some of the things that really helped us other than budgeting and tracking spending was we never bought cigarettes or alcohol. Our entertainment was library videos and church events and family events. We ate out once a month but pack lunches made breakfast ate leftovers and cooked at home. I made freezer meals and bought in bulk. We shopped at garage sales and clearance racks for our clothes. We bought good used cars and took care of them and drove them for several years. In the meantime we were saving money so when we bought our next car we had a polycash to put toward the car as the years went on we were able to put more and more down on cars until we were able to pay cash for them. We didn't take expensive vacations. We plan to head and paid cash for vacations. We lived a simple life. It wasn't always easy but we knew in the long run this was how to reach our goal. We never tried to keep up with the Joneses and sure people made fun of us. But where are they now?

[@TishMclain]

Yall did good Proud of it 😊

[@Mary-w7c4z]

You’re in the popular crowd for sure! I think you’re great!

[@Mary-w7c4z]

Thanks for your testimony

[@sylviaseri4235]

My dad many yrs ago used the envelope system. I know this is obsolete, but he didn’t believe in using credit cards for everything. So he had envelopes, for example, saving for a new washer, fridge, home repairs, vacations, savings, etc. it worked for him. Paid off their home, had a beautiful home, went on vacation every year all on a postal worker salary. Mom was a stay at home mom.

[@cynthiahillian]

Got me out of debt. What's in the envelope is what it's for. When it's done it's done. Never robbed one envelope for another.

[@sylviaseri4235]

@@cynthiahillian my dad would divide his bills up by 2 because he would get paid every 2 weeks. So one envelope each for mortgage, gas, electric, telephone, food, car insurance, gas for the car, savings for future retirement, savings for home improvements, clothing, etc. He saved for the necessities n if there was money left over, it went for clothing n home improvements, vacations.

[@taceyanne1]

Not completely obsolete. My husband and I have been using envelopes since we got married (ages 26) and we still use them at 40. Not quitting anytime soon. The leftover money at the end of the month gets put into our Christmas fund. We haven't had to budget for Christmas, ever.

[@kimford-cc1tk]

I use the envelope system it gives every dollar I have a job

[@dianethompson6804]

I put a lot of things I want in my Amazon cart. Then later I look at my cart and move about half the items in the save for later spot. Then I look at everything later and delete most of the items, knowing I really don't need them. I feel like I've shopped thru this whole process and that satisfied the shopping urge!

[@pamelajuniel3151]

I do that too!! We must be cousins!!

[@dianethompson6804]

@@pamelajuniel3151 we must be Amazon cousins! Lol!

[@lorraineedmond5921]

Same!

[@JustMeOnlyMeIndeed]

I do it, too!

[@cynthiahillian]

Same!

[@Rhgeyer278]

Thanks for the video. I finally established a way to increase my net income per month. My 2024 goal is to pay off the house by Sept 2024 (8 years total into a 30 year @ 4%). I have no debt other than mortgage. My 401k, HSA, IRA and emergency funds get maxed out. The mortgage is my last piece of debt left. I don't have any school loan or CC debt. I've made a lot of sacrifices over the years. I'm almost at the debt free finish line.

[@Annakrueger822]

Congratulations on taking the steps necessary to get yourself out of the financial bind you were in.

[@RandalHebert]

Facing your medicine can be difficult. However, with commitment, you'll ultimately reach a highly satisfying place. It's all about the actions you're willing to take.

[@Byrondavis89]

Your financial journey is truly inspiring, and I'm currently striving to achieve the goals you've reached. Could you please share some tips to help others learn and navigate their own paths to financial success? Your insights would be invaluable.

[@Rhgeyer278]

SAMUEL PETER DESCOVICH GOOGLE the name

[@Rhgeyer278]

Samuel Peter Descovich that's whom I work with

[@dhanicollins2448]

Heal at your own pace Hope! We will be here when you return. All the best to you and Larry on your joint healing journey.

[@janefromthecountry1820]

#5. Its difficult to have patience when paying mortgage off. I watched a Jereme and wife buy a inexpensive home ( paid cash) for like $80,000 in Michigan. They moved from Portland, Oregon. They did all the home renovations and cash flowed them. Wife got to quit job and stay home with newborn. Realize that you are the manager of your home and money; but never forget that God owns it all.

[@sparkle9482]

Amen Totally Agree🙏❤

[@taceyanne1]

Jereme stopped posting quite awhile ago. I hope they're ok

[@ellenhardgrove2177]

Prayers for Hope. Take your time in recovery. We will be here when you get back.

[@kanaghadhara10]

Gud tips. I am from South India. I hand wash my clothes and dishes n use only detergent cakes n dish bars which is only 10 rs. I have millets porridge instead of cornflakes and museli as they r expensive. I handdry the clothes n lihe up at the backyard.

[@liesesadler5295]

I live in Philadelphia and line dry the clothes year round, outside in dry weather and inside in wet. Haven’t used a tumble dryer in years. Not only a big savings on utility but clothes last and look nicer

[@JEANNEHUNTER-q5t]

Thank you for teaching people how to deal with their money and become debt free. One can sleep so much better at night, knowing that you don't owe anything and can deal with emergencies. Understanding the difference between needs and wants is so very important.

[@Janey234]

Prayers your arm heals quickly Hope. You both have been such a great encouragement to save for emergencies for health, home, car..etc.

[@jorazor5172]

Praying for Hope❤

[@barbarad.517]

Me too!!

[@andreadickinson3076]

You can God make you free

[@stevehartman1730]

What's wrong with hope

[@jorazor5172]

@@stevehartman1730 she fell and broke her arm in 3 places.

[@truthseeker6370]

Continued prayers for your healing Larry! We haven't seen you use your right hand since your accident. And Now prayers of healing for Hope! 🙏🙏🙏

[@Tommygass75]

Praying for Hope and Larry. Yes I love to save money!

[@melstayton3171]

So sorry to hear that it just sounds painful really! Hopefully she can get some rest and recover quickly

[@wandacurtis1208]

Praying for you Hope and Larry! ❤

[@tubeyou2184]

Praying for her! Please update us!!

[@JTDumpling]

For me - I treat saving as an expense, much like rent and power, as soon as I'm paid my savings go out with the other expenses. After all, I've got to pay the person that manages my funds (me). I pray that Hope will get better! ❤

[@celestebarrentine3922]

So so sorry to hear about Hope's arm. And you are still with one arm mostly down too. Prayers and blessings to both of you.

[@rhondadufrene1525]

Yes I love to save money- but more importantly- prayers for Hope 🙏🏼offered for quick healing and recovery ✝️

[@sandrachun972]

Prayers For A speedy recovery !!!!!!

[@kimyoung6822]

Prayers for a speedy recovery for Hope. Splints are no fun.

[@marykaerae207]

Praying for comfort, peace and speedy healing for Hope!

[@marielama8173]

How is Hope? You are in my prayers!

[@zuozhen4758]

You two are a beautiful couple! Thanks for sharing such helpful and practical information.

[@NatachaKemp]

Praying for you Hope and Larry for a speedy recovery. Yes, I’m ready to safe money.

[@MK7x77]

Ready to SAVE & prioritize my money!!

[@victorwadsworth821]

I don't go out drinking, I do hit clearance area at Kroger & Winco buying single broken cans of beer for .75 or $1.00. One every now & then, much cheaper than buying atmosphere.

[@rhondawiggins5728]

The very first funny book I ever read was by David Bock automatic millionaire. I set everything up to automatically go into investment savings, mortgage, etc. with the help of his book. I paid off my mortgage in seven years start to finish. I’ve read at least 300 books on finance and frugal living plus money magazines for years and years and I still watch KZbin videos all the time and read everything I can. I love you guys too.

[@Chellascommoncents]

Sending prayers for Hope to have a fast and full recovery.

[@FrancisMagdalen-ve5ko]

Sorry to hear things are not well. Sending out prayers and blessings.

[@lindadenneypu6315]

Everytime hope says priorotize I smile I know how much she loves this word

[@tawnaparko3388]

I am praying for your healing.

[@lizadivine3785]

Best wishes and prayers to Hope!

[@MarthaMartinez-mh8mx]

Sorry to hear about Hope. Did she need surgery. She’s a young healthy woman and will recover soon. All my best to her and thank you for holding the fort and taking care of her. Martha from Miami .

[@Mrsmadison45]

❤ 🙏🏻 Prayers for Hope, ❤

[@wandahutchins222]

Hope you're doing better Hope❤❤❤❤

[@rochellethundercloud346]

In other words,focus on your four walls. Housing Utilities Food Medical Transportation Insurance. These are necessary. Starbucks,the Stanley cup,not essential to life.

[@bitsybarkley]

I just paid off my only credit card I have for the 3 time. Now I am taking that money and putting it toward my roof loan plus the monthly payment was on my credit card. I will be debt-free. I am going to try to do this in six months which I know I can if I give up all the little things I’m throwing away on my money my wants not my needs.

[@rhondachristensen8619]

Here in Pa. The Manufacturing Plant of M&M Mars, is Thru a toll bridge, down a street, then onto Rt.,80 to a Hackettstown Exit; At Night, on the Overnite, Whatever is " Left Over " is Distributed to the Employees on the Overnight and Distributed...Had A Friend Bring Me A Basket of " M&,Ms" Stating it was a " Overage" on the Overnite, and Allowed to Take Home...Not Much of A Candy Eater, But I Did Manage to Place the Candy in the Refrigerator, to Keep the " Shelf Life "...

[@rhondachristensen8619]

Always Ready To Save Money !!

[@natalieguffey3936]

Praying for you all 💗🙏

[@tracycriswell3037]

We have developed a budget with multiple categories and assigned money for each one. Then we write and subtract expenses to keep track of our balance on each. When the money is gone, we are out. It's in the kitchen taped on a cupboard so everyone can see where we are at (it doesn't include house payment, utilities, cell phone, medical, etc.). When the money is out of the category, we can point to it if our kids ask why we can't buy this or that.

[@happycook6737]

Wonderful way to make it concrete for kids. I'm a teacher and most students in elementary school think money is unlimited because parents pull out a plastic card. The kids have a hard time making the connection between money and the card. Card seems unlimited and free to the kids

[@blondellerichards5395]

Oh yes i am ready to save more and more money $$$. Thanks for sharing... xoxoxo...

[@al4484]

The same here. No need to have a credit card debt. Cook at home, buy only what you need, it is possible to do it.

[@youareon2something]

Yes, It’s ready to save money!

[@stephanieharries7746]

Yes I am ready to save money.

[@Lovegrassseeds]

I hope everything is okay

[@mariaandujar9438]

I’ve been watching your channel every single one of them and really love all your advice you’ve given me last month when I went grocery shopping I spent about $200 and it’s just me and my husband at home so I met my business that this month I was gonna go to two different supermarkets like Aldi and RideShopRite and I only spent $107 and got great bargains and only bought things were on sale and this is because of your wonderful advice I want to thank you so much and God bless both of you hope and Larry

[@mandifields2621]

Prayers for you, Hope, and your family.

[@creativelauri]

Prayers for Hope!! Take it easy.

[@juliemoore6957]

Prayers gling up for supernatural healing for Hope's arm. Good video!

[@GLStudios]

how did i get here from the bills vd chiefs divisional game? idk but glad i found this

[@dawncierelli1510]

we're just waiting for you hope you have a speedy recovery will be praying for you..

[@SageGypsy]

I recently started using the 50 30,20 budget rule

[@susankimball4820]

I just wanted to let you know Hope that your hair looks so beautiful up !!!!!

[@terriogden740]

Praying for your family. I hope, that Hope is resting comfortably.

[@deliaernafilote3400]

My best whishes to Hope!

[@rochellethundercloud346]

Hi,all. Hope,nice to see you.glad you're doing well after your fall.

[@coettahannah3403]

I am a Senior with low income but thankfully no debt at this time .

[@TeresaOwen-rt1sb]

Another idea - outings/fun things, especially to do with kids or outdoors, that are free or cheap. And ways to vacation/travel on a budget.

[@writercard4]

Praying

[@katebaker8763]

So so sorry you’re hurt Hope😢 definitely praying for less pain and ❤️‍🩹 quick healing thinking of both of you it’s just so sad you’ve both had to deal with injuries I am just so sorry !!🙏🙏🙏

[@dellasmalley6097]

Prayers for Hope 🙏🙏🙏💕

[@barbaraburgio6737]

Sorry for your injury. 😢

[@greg901]

Speedy recovery, Hope!

[@edwinasmith4871]

I'm ready to prioritize my spending decisions. Thank you.

[@wilmatineharris1041]

Praying for your family.

[@rhondachristensen8619]

Christmas Shopping here in Pa., You May Find Yourself, " Strapped, With High Prices "...What We Fo Now is Shop in July, With Pa. " Christmas in July " Sales...

[@kimmunchel3004]

Hope, you should always wear your hair like this! So pretty and professional looking!

[@ts4918]

Yes I’m ready to save money👍

[@Coetta]

You all have the Best, most helpful channel, in my opinion. There are other good ones too, but not as good! You've helped me a lot.

[@eizqarqash1991]

Can't wait ❤

[@arielh.4318]

Good to see both you and Hope! Fast healing! Amen!!

[@ollagardeningwithmichele1144]

Yes. I am ready.

[@debbietinker2408]

Ready to save money!!!

[@brenda1901]

Yes. I'm ready!

[@lindawilson8434]

Love you hair up Looks great

[@natashafreeman2220]

New Suscriber! Your videos are always so motivating

[@HuimangYonggi]

Praying! ❤🙏

[@jenniferrosenthal7731]

For me personally, clothing and food are not priorities at this time because we are set with a stockpile and plenty to wear.

[@donnagarnet]

I still have my landline. For me, it's worth the cost. Much of what I do online: tell politicians what they're doing wrong, donating to charity, etc. requires a phone number. I give them my landline & rarely answer it (although I do look up a number occasionally). I get snail & email from most of them, I do not want to talk to them. Keeping my landline means a lot fewer nonsense calls to my cell phone

[@hislivelystone]

There are apps to block bot calls on your cell phone. I haven’t tried them myself but may be something to look into!

[@soniagonzalez4565]

Most Definitely Ready!!!

[@victorwadsworth821]

Track all spending to see where the money goes.

[@debbiegnagey2095]

Praying for you and sweet Hope!

[@beccacoleman498]

I disagree with the "never manually manipulate your money," simply because i believe the act of physically handling, planning, and distributing my cash helps to build my self control. I work only part time, so my savings goals are on a smaller scale. My husband pays the regular bills, and my income hekps to cover things like the kids going to summer camp, date night, trips to museums, etc. In order to keep myself in line, ive gotta pull that cash and stuff specific amounts into envelopes, otherwise i will spend it. Especially if its in my account. My bank accounts look pretty sad because theres never anything in there for long. But i have cash saved for specific purposes and events. It works for me. You do have to be careful about not walking around with wads of cash on you, but i have a couple of budget binders...one wallet style one that i take with me when needed, and one i keep at home with the bigger savings envelopes in.

[@Freaysclaw56]

That works well for a lot of people. I think they are referring to people with $100 in there wallet/purse on Friday and come Monday morning they have $2-3 and have no idea where it went. There are people who look at their bank account and see $100 and then write 3 checks for $100, they spend the same money in several places. My ex did that frequently. He needed the envelope system. Not speaking poorly of him, he’s just a good example of how important the visual of seeing the money in that category in hand was.

[@sw6118]

The goal is to have the money from your paycheck go directly to your savings account where you are saving up for something. You learn to live on the balance that is deposited into your checking. No letting the money’s presence in your checking account be a temptation.

[@charlotteryner6583]

I started my savings program using the envelope method. It totally worked for me. Like you, physically manipulating my money showed me what things really were. I've now switched to a special savings account and I keep a monthly excel spreadsheet of all the "envelopes " in the account. It's a form of physical manipulation and keeps me focused on my goals. 😊

[@Freaysclaw56]

@@sw6118 or forget what it is set aside for.

[@rnupnorthbrrrsm6123]

Like they said, you have to do what works for you. If you can only control your spending by having cash then that’s what you should do but eventually you will learn self control.

[@stacyboyd4591]

Hello Larry and Hope , sending you both prayers and a little extra love to Hope. ❤🇨🇦

[@blueiris6813]

❤ wishing steady straightforward healing for both of you.

[@sharonhart3735]

Praying for a speedy recovery Hope !

[@LoriFidler-v9b]

Yes. Every time I'm almost debt free. Then there 's another medical bill.

[@happycook6737]

My area has several hospitals. At the nonprofit they will let people have an interest free payment plan and negotiate a monthly payment amount. I now only use that hospital.

[@soniagonzalez4565]

Thank you.❤😊

[@terryhenderson424]

We have practiced #3, continual learning, with more and lesser emphasis for years. In today's lingo it would be more along the lines of being "self sufficient" but we have seen it more along the lines of being able to do more for ourselves, adding a skill set, expanding on a skill set, or learning additional things we can do with the tools and equipment we own. When going beyond our comfort zone for skills and equipment/ tools sets we have generally although not always, started small with "carefully sourced" (free is always nice) materials and projects which will work with all those hand crafted imperfections. Translated, this has often meant meeting wants more so than needs although this doesnt mean that the want wasnt functional. When living frugally, meeting wants for almost for free is more important than many realize.

[@nadinewagstaff9854]

U two r so amazing and real lol it ❤❤

[@GEAUXFRUGAL]

Once I got debt free 2009 I had to get a loan for the car to bring dad places 2019 loan. It was just a couple thousand dollars but I felt shameful. Paid it off and had not been back. Buying a quality vehicle wes just smart. I got a hybrid vehicle because I get destroyed by a hurricane I can live out of the car. I need to practice car camping because I took off last year I was not ready. I had things I wanted to do but couldn't because I was not ready. Now I'm home I need to practice my survival so I will be there when it's needed.

[@mariamorgan6913]

Great advice as always!!

[@marcidehm8083]

Question about your emergency fund - Do you keep your emergency fund money separate from your "furnace repair" money or do you keep a sinking fund for the furnace?

[@stephaniegaddis1716]

Delayed gratification is an exercise in 'This or That.' Which do I a want more - THIS thing right now or THAT thing in a month, 6 months, or 30 years? Thinking of it as This or That is as helpful as the goal with "so that" at the end.

[@glendabethel8504]

Great ideas, thank you!

[@cynthiastory8603]

YES I'm READY to save money 💰 😊 From Kingsville, Ohio ❤ 🎉😊

[@faithrada]

Practicing DELAYED GRATIFICATION is probably THE MAIN reason that separates successful people from unsuccessful people. I had a dear friend that spent every pay check buying really nice clothes.. while I had the same boaring wardrobe. I was stashing every available dollar into savings for a house. A few years later she visited my new, modest home and said.. . Ohh how lucky you are! I pointed out that was NOT LUCK but simply the power of being goal oriented... or Delayed Gratification.