Відео

You just saved me hours of searching for an app or website that does this for me. I didn't know it was that easy. You changed my life. Thank you. :)

Talk to much

Amazing 🎉. Thank you

Thanks for this!

Is there a way to show each bill entry checked off when you have paid it?

👍👍👍

I like those savings accounts. I have taken it several steps further. Wells Fargo would love me.

Wow! You are a rock star! Love this!

Don’t save cash or if you do trade it in for gold & silver immediately cash you lose by saving it each year through inflation. Saving in gold or silver will hedge against that inflation and will actually grow your savings over time rather then saving a $1 in five years that $1 is still a dollar it just buys you less do to the cost of goods going up buy one ounce of silver five years ago and you would have paid $12 to $15 a ounce sell it five years later for $25 your protecting your purchasing power through gold and silver which has been the medium of exchange for thousands of years since the beginning essentially. Hope you understand what I’m saying god bless

Thank you for the information. I will be using these tools to help organize my life.

Michelle's rules...rule! You put a smile on my face!

Love this

Thank you Michelle!

First

We (I) spent years and years believing that debt was just a normal part of life. More life, more debt, simple as that. Finally we had enough. Thank goodness it never got to the point that we were not able to make payments but we had no money one day after payday. So our thinking was that we would take debt to the grave but finally one day something happened, could have been really bad but turned out to be just enough to scare the wits out of us. Suddenly though we rethought the whole money thing and considered the possibility that we could maybe get control over our finances. I remember saying to Sue "we are going to do this, we are going to pay off everything and start saving". It was sort of like warming up an engine in the dead of winter, slow at first but once it started heating up it ran great. So the 6th mistake we must avoid is not believing that we will be successful. Set the goal, craft the plan, set the date, get working on it believing that you will cross the finish line. It was an overwhelming feeling, that moment in time when we finally got all the paper on the kitchen table, sorted it out and added it all up. It was like "oh my this is impossible". It actually was impossible...until it wasn't. Great video Michelle!

Great info, even for guys!!!! Loved it!!!

Ok so you make more than one calendar ?

This is a great tip! I always say “ima get 5 pies!” Then I only eat 1 and never eat the rest 🤦🏻‍♀️ thanks for posting this!❤

This is a really good tip! I need to start doing this more often!!❤❤❤ keep up the good work!❤

Wow! This is a really good tip! Thank you for posting these tips!!❤❤

Really

I know you are speaking to mainly females but as a guy I cannot agree with you more! In particular just the joy of watching your savings grow. Not that many years ago my spouse and I would not have had $100 sitting unspent, now we have a budget so tight it squeaks and have a decent savings for a rainy day. Great advice, have a fantastic day!

You look like such a nice person Live you girl❤❤ Gorgeous

She sounds like that vegan teacher

These banks aren't to swift about telling you what better deals they have. Had savings paying .3% when I checked the same bank had an advantage savings paying 3.0% interest no fee no minimum.

Wow!!!! :D Ty for the tip<33

This method makes so much sense to me. Thankyou, I will be using this. P.S. the music while you are talking is so annoying, makes it hard to listen to the whole video, but i,’m glad I endured it.

😢😮😅😢😮😅😢😮😅

Use your overtime!

Wonderful video absolutely love it keep up the great work you're killing it

Hi 👋🏻

❤ thank you so so much!!! I love how excited you are!

Here's my a money saving tip also just live within your means budget your money smart and don't buy stupid shit you don't need 👍

Wow very interesting 👏

Queen. Thanks!!

This is common knowledge right? How does this stuff never get taught in schools? Want to do some real tips? Put that damned card in a bowl of water and put that in the freezer. To curb impulsive purchases you have to wait till that stupid card thaws out!

I am in Putnam County TN listening to you talking about tornados especially since March tornadoes a couple of years ago I live 2 blocks from the path We were so blessed and grateful Then when you mentioned growing up in Kentucky, I was like ok. I actually grew up in Georgia , I dont live far from 111 and when we go back to GA and go through Chattanooga its so different .I am not used to snow,

Buy a large thermos flask and a small one. Boil a full kettle to make a hot drink to put in the small flask to take to work with you. Pour the remaining water into the large thermos flask to use for other hot drinks or cooking. Using both thermos flasks this way helps you save on the following 1. Electric ..because you are not boiling the kettle every time you need hot drinks. 2. You are not spending money on a hot drink when you are out as you take the small flask with you. 3. When you need to cook something in hot water you won't need to use as much fuel to heat the water as you already have it in the large thermos flask.

I'm in the UK and have used a combination of the snowball and avalanche method to cut down on debt. I switched jobs, don't use credit cards at all, rarely use a debit card and buy in bulk to save paying higher amounts during inflation times. Now I'm using the tornado method to pay off the last debt. So far I'm on track and hope to be completely debt free by Christmas 2023. I don't go on holidays, haven't had a holiday away from home for over 30 years and don't really miss them either. I rarely eat out or get takeaways, stopped smoking cigarettes as it got way too expensive, don't drive for medical reasons so don't have to worry about car expenses. Getting into debt has made me more frugal and now I budget a lot better than I used to. I know where my money is going now, whereas before I didn't. It was so easy to get into debt by tapping a piece of plastic without thinking. Now cash is king all the way for me as it makes me think more before I buy anything and I won't pay full price unless it's a necessity rather than a want. I don't want to get into debt again as it's stressful and hurts like hell. I will continue being as frugal as I can and once I pay off my final debt can save more towards my retirement. I've got about 16 years left to save towards my retirement and am hopeful I can achieve a reasonable amount to live comfortably in my old age.

Where Dave r fails well one of the many is factoring in weird nuances Of billing. So as an example I have a 800$ medical bill with a small chill office who tbh doesn’t give a crap. I also have a $100 bill that went to collections in a month and a half. Yes. That’s what’s happening these days . Far far less time bills exist before sold to collections its gross but I digress. I’m not attacking the 800 when the dr office says meh pay what you can when the collections is after my ass for services rendered like two seconds ago. So no a militant snowball doesn’t work In that example. I mean yes collections bill is smaller but what I mean is it would have penalty and my big bill doesn’t

I keep trying for an emergency fund but when you have nothing saved, everything depletes that fund

Awesome review. I love planners too! Perfectly Planned planner.... beautiful but have hard time with a Monday start on the Calendar. I use Agendio now.

Excellent content! Music too distracting.

Absolutely appreciated this video! Thank you!❤

I just Subscribed! LOVE your video. You're Pretty in pink!!😃 Will add your other videos to my playlist. Have a Blessed day 🙏🏼

I hope it doesn't matter that I'm not a woman! I have been on the fence about reading I will teach you to be rich. I have a few of the popular books on getting rid of debt and I figured sooner or later I would get that book but haven't yet. I'm going to take a pass on Smart women finish rich because no matter what I will always be a dumb guy LOL! Now, to Get rich carefully. I never ever thought that I would ever grow up and see the need to read a book on investing. Due to circumstances beyond my control I find myself (and spouse) about 3 months from being totally, 100% debt free, a situation I never thought possible. My spouse and I have money going into 401s, 403s, an IRA and Roth IRAs and should have in the new year 2023 maybe $1000 a month to put somewhere so I'm thinking that I need to learn what is available so that I can ask a few semi-intelligent questions about where to park those monies. So giving Get Rice Carefully some serious consideration. Good video, thanks.

Another male here. One of the big life questions in my mind is "why is it that almost all of the "get out of debt" or "how to get on a budget and stick with it", why are there so many youtubes by the ladies and very few by men? Ok for me I'm not going to make videos for public consumption because no one wants to see my face on their screen. Anyway, we (my spouse and I) started our get out of debt push in Dec 2017. We were doing fantastic but I got stupid in Sept 2020 and bought a new truck. I needed a new vehicle, I didn't need a brand new truck. We made slightly bigger than required payments (+$200/month) right from the start Oct 2020. Bumped that up to +$300/month December 2021 all this time we were taking care of a few other debts outstanding. In March of this year 2022 we bumped it up again to double monthly payments, in July triple payments. The balance as of Sept 2022 is $10k. In April we had paid off all of our debt except the truck. Here we are in Sept and we simply want to get this paid off before Jan 1st so that is the time line, the target. I have been scheming and planning and just trying to find a solution to paying off $10k in 3 months without destroying our savings account. In the past we have used a combo of the snowball and avalanche and being on a budget and paying cash and being frugal has become almost second nature but there is room for improvement and so we are just going to focus like a laser on this and one way or another finish off this debt in 2022. A big order because we have already paid off $85K in 4 years. In the two years before that (we were not focused at that time) we killed off another $22K so over $120k in 6 years. I really really really want to get all this paid off. Once we started becoming serious in 2018 we would have said we are using the snowball because we had 5 credit cards but actually either a snowball or avalanche would have been the same order. In looking for ideas and trying to think up what could we do to accelerate payment of this debt I sort of had settled on what I now know after watching this video is what we are going to use, it's called the modified tomato method. Wrecks the debt but saves the crops! Thanks great video!

This video was empowering for me, thanks. I like how you said you get to decide when you want the debt paid off. My payment schedule end dates get messed up if I skip a payment so I think your mindset will help me. (BTW you look really pretty!)

I currently do the paper calendar thing but I'm having the same issue you ran into! So now I'm taking the bold leap into digital!

The you so very much for this video! You saved me a lot of time.