How we Paid Off Our House In Less Than Five Years- Our Debt Freedom Story

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  • Опубліковано 26 лип 2024
  • This is our debt freedom story. I share how we paid off our house in less than five years.
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    You all know I love the simple lifestyle. Staying home with my kiddos, making food from scratch, living naturally and DIY'ing as much as possible.
    I don't call myself a minimalist, but our values as a family align with the movement in so many ways.
    When it comes to finances, I knew debt freedom would be the only way to live the simple lifestyle I love.
    This is our debt freedom story.
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КОМЕНТАРІ • 834

  • @onThisJourney
    @onThisJourney 5 років тому +137

    The key word here is "we". You have to be equally yoked with the same mindset. God bless y'all❤

  • @Sarah-bt8ip
    @Sarah-bt8ip 4 роки тому +45

    I love being debt free! I own my home, zero debt and I was able to do it all myself by being willing to simply "go without" a lot of things that I just don't value more than financial security. It is worth it!!! I have suddenly found myself laid off, single and pregnant with my first child (Yay! It's a boy!). This had the potential to be the scariest time of my life. But between owning my home, my savings (it's really easy to save when you aren't paying rent) and living simply I will be able to provide for myself and my child without employment for at least a year. And I could continue to take care of all of our needs by working at a place like Starbucks. The security and peace this gives me is incredible. If an uneducated single mother with no outside support can do it- so can you!

  • @siom3815
    @siom3815 6 років тому +10

    I went back to college at 33, my savings were used up by the end of the first year, so I took out a loan for the remainder. I was massively in debt by the time I had graduated which was pretty terrifying. The interest rates were through the roof, and I was estimating a 40 year payoff. I got a job, paid myself a small amount each month and didn't 'cheat'. I paid off EVERYTHING in a year and a half. I will never forget that last payment - FREEDOM. Now I can actually save. I still pay myself a set wage every month from my total income, the rest goes into the bank.

  • @NoraConrad
    @NoraConrad 6 років тому +201

    My husband and I are 24, and we're working on our debt for the next two years then we plan to buy a home with cash. It's so helpful to hear these kinds of stories knowing this could be us in 6 years

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +6

      Thank you, Nora! You and your husband are very smart 👍 I hope you both find the perfect house!

    • @islandhouserestoration2897
      @islandhouserestoration2897 5 років тому +5

      You can do it, I am 24 with 3 kidos. My husband and I are debt free besides our home. We will have it paid off in 5 years!

    • @jd6319
      @jd6319 5 років тому +1

      Nora Conrad sslan

  • @oliviakoschara5318
    @oliviakoschara5318 6 років тому +4

    My husband and I both drive vehicles that we paid 3 grand for...and may I say they are actually really nice! Our farm house, barns and 5 acres we bought for $65,000 and we are 2 years in and only have 4 years left (we will be aggressive to pay off sooner) we have actually remodeled 75% (very affordably) and had our first baby. it's really nice to see others live the way my husband and I do. And I am also blessed to be able to raise my child at home

  • @TCCGAdventures123
    @TCCGAdventures123 5 років тому +19

    SO SO GLAD there is finally a youtuber than admits things are expensive, instead of just showing things that look so extravagant! It’s nice to be able to watch someone who is personable, honest and seems to be a real person!

  • @sarahnoah3908
    @sarahnoah3908 6 років тому +24

    My husband and I have been following Dave Ramsey's plan for 7 years and are debt free except for our home. Your video popped up in my feed and totally inspired me! Sometimes I feel like we are the only crazy people trying to pay off our house. It's nice to find others with the same dream. 😀 Good on you!

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +2

      Yes! It's apparently a pretty counter-cultural thing to do. Good for you guys!

  • @aracelisescalona150
    @aracelisescalona150 6 років тому +229

    Refreshing to see a responsible young family.
    I'm also debt free. It started years ago with credit cards. Paying them off one at a time. Then, we concentrated all our efforts into the house. We used to have 4 cars. Sold 2 and all the money went to the house, etc... It's a real blessing being able to breath. To feel free from any stress.
    Thanks for sharing. Blessings

  • @denisecarter5117
    @denisecarter5117 6 років тому +119

    You are amazing to as Dave Ramsay says, live like no one else so you can live like no one else.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +3

      Thank you so much!

    • @lisagarlick7060
      @lisagarlick7060 6 років тому +7

      I think the quote is, “Live like nobody else will, so you can live like nobody else can.”

    • @rachelsrendition
      @rachelsrendition 6 років тому +2

      YES! I live by his guidance!

    • @darlenefabrizi8247
      @darlenefabrizi8247 4 роки тому +1

      Live like no one else. So you can live and give like no one else! DR

  • @Delisalyfe
    @Delisalyfe 6 років тому +111

    I’m Debt free..we’re two years from being Mortgage Free....This is so inspiring...

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +1

      Congrats! Thank you!!!

    • @brianreece785
      @brianreece785 4 роки тому +1

      We are also 2 years from being done with a mortgage. It's so refreshing to share the same goals and know it is possible to live debt free!

  • @tracydoverspike5255
    @tracydoverspike5255 6 років тому +105

    I'm so happy that debt free is becoming so fashionable. It's possible for all income levels as well. Thank you for sharing your story.

  • @AngelieHM
    @AngelieHM 6 років тому +5

    I'm so happy to hear your story. I grew up in a family where financial responsibility was non-existent (i.e. foreclosure, repossession and more than 100k of debt). I am currently paying off the hole I dug myself in (thankfully, not a lot), and I see your story as an inspiration. It's a struggle being a single mom in my twenties and wanting things that other people have, but I have come to the realization that I don't want to work until 72 to pay my debt off.

  • @EmeryShae
    @EmeryShae 4 роки тому +5

    I love this! We are three years from paying off our house. We actually just paid off our rental house, which felt amazing! Other than that we haven’t had any debt for at least 7 years. We haven’t tried very hard to pay down our mortgage though. We have enjoyed some nice vacations and down some expensive renovations on our house and yard. We will be 100% debt free before we turn 40!

  • @lauriehester4682
    @lauriehester4682 6 років тому +95

    Oh how I wish I would've figured this out in my 20's!!! Now in my 40's we are scrambling to get things paid off. We'll do it, but man it would've been nice to be FREE by this stage!!! Great job!!!

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +7

      You can still totally do it!! :)

    • @pattytrevino2869
      @pattytrevino2869 6 років тому +10

      Laurie, I'm in the same boat. Don't give up, we will get there 💪👍

    • @janefromthecountry1820
      @janefromthecountry1820 3 роки тому +1

      I love this story Lisa tells! So inspiring! Everyone who is going to buy a house should listen to this. They should show it to high school kids in Dave Ramsey Finance Class. So inspiring!❤

  • @kerri-maeashley8273
    @kerri-maeashley8273 6 років тому +63

    Thanks for sharing...so inspiring. We just paid off credit cards $42k. We set a goal and we were focused and it got done 7 months. Working on the cars and then the house. You go gurl!!! May God continue to bless you.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +1

      Thank you so much Kerri-Mae!

    • @juliamartinez9534
      @juliamartinez9534 6 років тому +2

      42k, that’s great! What was your plan? I’m working on school loans that are about that much.

    • @mickyunit
      @mickyunit 6 років тому

      Kerri-Mae Ashley great job! You got this 👍👍👍

  • @bluelunevideos
    @bluelunevideos 6 років тому +56

    I wish I was as wise as you are when I was in my 20/30's

  • @CJR-bs7eu
    @CJR-bs7eu 2 місяці тому +1

    You never hear of young people with this mentality . Good for you exercising this discipline, I wish more young people had this intelligence. You are truly teaching your children a valuable lesson. 👍❤️

  • @janetcrane59
    @janetcrane59 6 років тому +25

    Good for you guys that you are content with your home and not always wanting more. My husband and I did the same thing and lived way under our means. Little did I know he would need around the clock care and I had the freedom to stay home with him while he was terminally ill. God Bless your precious family.

  • @gailelizabeth14
    @gailelizabeth14 6 років тому +25

    How wonderful that you and your husband live within your means. So many folks today just don't understand that kind of freedom. Thanks so much for sharing and inspiring.

  • @jukes243
    @jukes243 6 років тому +6

    Smart young couple. My husband and I have been debt-free since 2000. It took us 8 yrs. but it was worth it. Each time we paid something off, we celebrated with ice-cream cones. That might not sound like much to some, but once you stop eating out, it can be quite a treat. There's nothing like owing no man. Just wish we would've been smarter sooner! (Same here, Lisa. Our biggest expense is organic food. However, the health issues I once had, are beginning to disappear.).

  • @psg6065
    @psg6065 4 роки тому +5

    As a 23 year old f who lives at home desperate to save and move out into her own place.
    Thank you for this vid. My parents are very irresponsible with their money- sigh I def took notes

  • @mum2jka
    @mum2jka 4 роки тому +6

    This is wonderful, and you should feel very proud. But also i'm sure you're grateful that you never got that large extortionate medical bill or lost your income or any other expense/income issue that prevented you from achieving your goal. So many people face huge uphill battles to achieve such goals through no fault of their own.

  • @emilypowers829
    @emilypowers829 6 років тому +5

    New subscriber here! Love this! We are buying our first place and getting a lot of negativity about the kind of place we are buying, but we value simplicity and the peace that financial freedom gives us.

  • @MommaFromScratch
    @MommaFromScratch 6 років тому +36

    Oh Lisa you touched on so many amazing aspects of living a full life by not being in debt and living beyond your means. We are on the path to pay off our home in the next 3 years so when we do that it will be only a 10 years mortgage we had. I cant wait for that day to be 100% debt free from our home. its the only debt we have. I loved hearing your story and its very inspiring. You took a house and made it a home with all your hard work and love you put into it and now its even better because you own it 100%. Really enjoyed hearing your story.

  • @kimberlykimberly6773
    @kimberlykimberly6773 6 років тому +60

    New subscriber here. We just finished paying off our mortgage in September. We also did it in less than 5 years. Feels so good doesn't it? We made double payments. I was still able to stay home. I was also able to take care of my mother when she got sick. My husband was off work recently for medical reasons and it felt so good not having to worry about money. All is good now and he's back to work. We always plan to live frugally. It gives you freedom and peace of mind. Looking forward to catching up on all your videos.

  • @BryartonFarm
    @BryartonFarm 6 років тому +10

    This is great Lisa! Thanks for sharing this. We have a very similar story. We actually paid cash for our fixer upper farm and do not have a mortgage either! We have junker cars, do not have a TV, and have simplified our lives so we can live our dreams. Even though my husband loads trucks for Walmart I am able to stay home with our girls. It was so worth all the sacrifice at the beginning of our marriage to now be able to live with financial freedom! Simple living helps you focus on what truly matters.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +2

      Isn't it so amazing that you can live so free with such a small income? I have had women say to me, "well, my husband doesn't earn enough for me to stay to home." I guess they think I married a doctor or lawyer. We paid off our house back when he still earned 14 bucks an hour. It is SO worth it! Thank you so much for watching, friend!

  • @MaryAnn775
    @MaryAnn775 Рік тому +2

    Wow, great for you, I envy you a lot!! Here and now, a 4-5 room house to put up to date but no major renovation with a bit of land starts at 300K. That's about what you make in 8 years. We'll get there, slowly...

  • @mickimc2883
    @mickimc2883 2 роки тому +1

    So smart!!
    We have never used credit cards, my husband and I have been married 30 years and we have two kids, 18 and 21. Our son (he is 21) is on a mission to be debt free and has a plan to not have to work his whole life. I think he is smarter than we were! LOL

  • @trudysenglishvictorianhome3244
    @trudysenglishvictorianhome3244 6 років тому +68

    What a awesome and inspiring testimony! You have so much Wisdom and should be so proud of yourselves! ❤❤❤

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому

      Thank you so much for your continued support Trudy!

  • @randao7793
    @randao7793 5 років тому +1

    It's really inspiring to see a young couple thinking simple and not get tempted by "bigger and better". I am considering moving to my rental property which is smaller and paying off the mortgage there. It gives you so much freedom and you realize that peace of mind is priceless.

  • @emilydowan919
    @emilydowan919 3 роки тому +1

    This is so inspiring. It’s near on impossible to get a house for less than £100k in the UK so paying off a mortgage is harder but your video great food for thought x

  • @seniafaamausili605
    @seniafaamausili605 3 роки тому +1

    Very inspiring.. thanks for sharing your story, I'm currently on a journey to pay off my house by the end of 2024 🙏❤️

  • @AcornHillHomestead
    @AcornHillHomestead 6 років тому +2

    To all the young people starting out that are watching...this is the model to follow. We are nearing retirement and we started out with a fixer upper and both learned many skills along the years. We also did the new car thing until about 9 years ago which is debt slavery. We have only owned three homes (all fixers) in all the 35 years together but never refinanced debt for personal things. We did however refinance to acquire rental homes and lastly, 9 years ago when the economy collapsed, a rural foreclosed home on acreage to retire in. We finally woke up about debt about 12 years ago. We have been working on the the foreclosed home which is three hours away and it has been torn down to the studs and rebuilt. All done by my husband who built his skills over the years by watching people in the trades). We made a pact that we would incur zero debt during this reconstruction. We scavenged tons of things like kitchen cabinets, bathtubs, vanities, sinks, you name it. We gave up going on expensive vacations, going out to eat, started driving used cars and kept them after them long payments were done. Looking back the sacrifices were ALL worth it. Its 9 years later and this home is a beauty that has land to grow lots of food. I got the garden going (wood chip method-no dig) while my hubby was remodeling. We will retire to it this year debt free and sell our current house. We will bank the equity and have a nice nest egg because we stuck to the plan. We could have both retired about five years ago (thanks to Obamacare 👍🏻) if we had not incurred the debt. In our lifetime being in debt was the norm and we never thought about it until we were caught up in it. Im glad we finally woke up. We will never need loans again. We continue to buy used goods including furniture and clothes. There is such a huge waste stream to take advantage of. We are financially stronger and look forward to a comfortable retirement. Follow what this young woman has to say. She and her husband got it right! I wish we had been this smart at this age but at least we saw the light! Thanks for these words of wisdom. This is great advice. There is nothing like the feeling of accomplishment from hard work gone right!!!

  • @janefromthecountry1820
    @janefromthecountry1820 3 роки тому +2

    I really enjoyed this video. Inspiring. Debt freedom. Doing it young is so smart.

  • @phillipbundy7633
    @phillipbundy7633 5 років тому

    I think y'all are awesome! Frugality is something you don't see much these days. Our house has been paid for for years, but we are 53. Common sense should tell us with stuff "if you don't have the money to pay for it, don't buy it!" Enjoy those days home with your children; they pass way too quickly. God bless you.

  • @seizethedayandlive
    @seizethedayandlive 4 роки тому +1

    There are SO many people who need to hear this. Sadly, there are so many people who mindlessly spend way more than they can afford. Being debt free is THE way to live, not living under the cloud of owing money. Best wishes.

  • @janicewoods3072
    @janicewoods3072 6 років тому +7

    I love your videos, you and your husband are very wise. I did not become debt free until I was in my young 40’s, it was the best feeling in the world. From the day I became debt free I’ve refused to go into debt again. Stay wise and resist the temptation.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому

      Thank you for the encouragement, Janice! It can definitely be difficult at times.

  • @barbaradubiel4383
    @barbaradubiel4383 6 років тому +40

    Very seldom do you find someone of your age that is so responsible. So many young families want it all and want it now. Credit cards are nice to have for emergencies but I see so many people that are in debt over their heads. I'am 64 years old and I sew and make a lot of things myself instead of spending a lot of money. We are in a position to be able to get what we want but we live a very simple life. It is refreshing to hear you say that you don't need a new car or new furniture to be happy. I must tell you that I have wondered how you keep your house so neat and clean with 4 children. I see all the white in your home and I love it. I'am so glad I found your channel. I loved the tutorial you did on slip covering the chairs. You said "you have a pillow business" and I hope you will share some photos of that. You don't need material things in life and you live simply but you are very rich because you have your husband and 4 (almost 5) beautiful children.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +2

      Thank you so much for stopping by, Barbara! I agree..the simple life is the best life. :)

  • @NaturalHealthResources
    @NaturalHealthResources 6 років тому +9

    Love it! Congrats!! So nice to hear the importance placed on investing in healthy organic foods. Sooo valuable! 💗🍃

  • @susansciulli169
    @susansciulli169 6 років тому +5

    What a wonderful testimony. My husband and I are also debt free, we fixed things around the house as we could also afford them. I was able to stay home. I also enjoy sewing different projects for my home. God Bless you and your family.

  • @maryclairechittwood1852
    @maryclairechittwood1852 3 роки тому +1

    I think you and your husband did GREAT! I really enjoy watching your videos but this one is the most motivating! Sometimes longing for debt freedom feels lonely...like the whole world except for Dave ramsey says a 30yr loan is fine and my heart just races so fast whenever I think of a 30yr loan. We are looking to buy a new to us house and I want to look for something as cheap as livable allows for my geographical area. I don't know if 5yrs is doable but I just want to do the best I can to get out of debt fast.

  • @arkansas-homesteader
    @arkansas-homesteader 4 роки тому +2

    That’s awesome!! We didn’t snag a crazy cheap house but definitely trying to pay off our house early. That’s an awesome story!! Thanks for sharing. 🙌🏻

  • @donnaokoniewski3761
    @donnaokoniewski3761 6 років тому +4

    What an inspiration to other young families and older ones too! Yay on you! Well Done! You used a lot of common sense and good decision making skills!

  • @maytemartinez8523
    @maytemartinez8523 5 років тому +3

    My husband and I are both 27 and we are so happy that we are mortgage free and car loan free for 2yrs now. With a fam of 5 that does help out tremendously! I know this vid is 2yrs old but still very inspirational, even in my shoes.

    • @FarmhouseonBoone
      @FarmhouseonBoone  5 років тому

      It is the most freeing way to live!

    • @gunnikr
      @gunnikr 5 років тому

      Mayte Martinez That’s impressive for having 3 kids and being young! How’d you do it?

  • @thefamilymixx
    @thefamilymixx 6 років тому +10

    Boy I wish I watched this video several years ago before we purchased our home! Very impressed by your entire mindset!!! Thanks for sharing this very important video.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +2

      Aww thanks! It is never too late to start changing financial habits though. Don't be discouraged! :)

  • @catherineholcombe5907
    @catherineholcombe5907 4 роки тому +3

    Your original home looks like a Craftsman Bungalow, one of my favorite home styles.

  • @mawmoshtwo9966
    @mawmoshtwo9966 6 років тому +4

    Thank you for this. I have a shopping problem. Discipline is what I need... Point blank end of story. Bless you

  • @RiverPlaid
    @RiverPlaid 6 років тому +3

    When you said that we would be shocked by your home’s before pics, I murmured awww you are just exaggerating. Then you showed the pic! You are talented lady and blessed.

  • @keonimalufau9732
    @keonimalufau9732 6 років тому +4

    Oh Lisa!! You brought tears to my eyes!! Sometimes the best place is a cheap place..... sending ya warmest of love and God Bless ya from Ohio.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому +1

      Thank you so much Keoni! So sweet of you to watch my video and comment. :)

  • @jacquiegurley9497
    @jacquiegurley9497 6 років тому +1

    I'm so proud of you! You have done what it took me 33 years to learn. I wish I knew then what I now know. I've shared this with my teens so they'll avoid the steep learning curve. It is costly. Thanks for sharing your inspirational story.

  • @sallysmith6505
    @sallysmith6505 5 років тому +1

    Congrats to you! I'm 60 years old and know I did some things right financially in my life but not feeling it right now!! That is a sad commentary at my age. Hanging onto your marriage is a secret to being financially solvent. Somehow I feel more hopeful since listening to you. This vlog is a great gift to others because it reflects a lost mission in society.

  • @susilangdon196
    @susilangdon196 6 років тому +5

    This video was so encouraging! My husband and I just bought our first house and we are in the process of paying that off. It's not often that you find other young couples who are passionate about staying out of debt!
    Would you consider making a video on your monthly grocery budget and how you save money eating mostly organic, healthy food?

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому

      Hey Susi! We aren't really budgeters. I just try to spend as little as possible, but I don't keep a close eye on it. I did a video recently on what we actually eat, if that helps: ua-cam.com/video/b_2JIAAFG7E/v-deo.html

  • @amymaidwell
    @amymaidwell 6 років тому +3

    My husband and I have done the same, although we had children quite early on in our relationship we still managed to pay our mortgage off before our 40s. We had no fancy holidays till the kids we old enough to appreciate them, no posh cars and decor (its not needed) and if we wanted to splurge on an item we saved to pay for it. I feel these days people are to materialistic and incredibly wasteful.

  • @MySecretYouTubeChannel
    @MySecretYouTubeChannel 6 років тому +1

    Congratulations! I’m so happy for you and your family. I loved hearing your story. I myself plan on being debt free ASAP when I get into my first place so thanks.

  • @Mme_Chantal
    @Mme_Chantal 6 років тому +4

    Such a refreshing story. It takes a lot of courage. All the efforts and energies that you have put into that project is really paying off. It teaches your kids how to manage their finances. This is a gift that you have decided to give yourself and your family. You
    are doing a great job as parents. Lucky kids!

  • @hollyprchlik173
    @hollyprchlik173 6 років тому +1

    I love your attitude toward living a simple beautiful life!!! The world needs more of this!

  • @Teetee554
    @Teetee554 6 років тому +4

    Thank you for sharing your debt free story. I'm single, daughter in college (almost done). I retire from my current job in 2019. I'll be relocating to Texas, purchasing my home. I have plans to live off my next income, save my pension, pay off whatever debt I have. I'm grateful it isn't much. I'm glad you made a point about not purchasing a bigger house, even though you have a few children. Everything you said made since, now you have me thinking even more for the future.

  • @saturdayschild376
    @saturdayschild376 6 років тому +5

    Thanks for being a good example to young people. I get so frustrated seeing new couples wanting on day one all new things and the amount of things it took their parents/grandparents 30-40 years to be able to afford and possess. I remember icky used couches and being grateful for them. I also get angry with people criticizing larger than average families like yours who are doing everything right and are not a burden to society if anything you are doing the very thing families are supposed to, Grow. Wish you well thanks for the video- good info.

  • @houston5568
    @houston5568 5 років тому +1

    I just looked at your vlog for 2016 when you had paid your house in 5 years. Good for you! I have 4 kids and they become more expensive as they grow older. We paid off our first home probably within the first 25 years. Sounds like a long time but we went through ups and down with employment plus we wanted to put the kids through college debt free. We recently bought another home and paid cash for it. So being in my early 60"s it feels great to have to have no bills. My children are actually paying for their homes much like you did. But then again their salaries are huge compared to what my husband and I made. The lesson I guess that needs to be learned is to spend beneath your means but still having the quality of life you want.

  • @rachelc586
    @rachelc586 4 роки тому +1

    I'm 33 and paying off my car this year and then debt free 👌🤗. I'll purchase a home next with cash 😊
    You're story inspires me

  • @juliob.9017
    @juliob.9017 6 років тому +4

    Good for you and your family! Such an inspiration!!!! I love your style by the way.

  • @madelinechevry5187
    @madelinechevry5187 4 роки тому

    Just found your channel! I can’t thank you enough for being so candid, humble and taking the time to educate us all! I am of the same opinion, and paid my home off in approximately 5 yrs! I am sending your video to my son and his wife. They are in their late 20’s and would benefit hearing this important life lesson, from someone who is living their “truth”. Financial Freedom is Amazing,!!!!!

  • @IdaMaySmith
    @IdaMaySmith 5 років тому +2

    I watch this video at least once a month! I love this so much.

  • @kimaponte7082
    @kimaponte7082 Рік тому

    I think you and your husband are very smart about money. I don’t think most people think that way and very impatient with wanting a house filled with new items an don’t wait therefore spending money on credit and getting further in debt. It’s hard for people financially to begin with. You are proof that it is attainable but you have to work at it. I admire you. Good for you!!!

  • @lostinmyspace4910
    @lostinmyspace4910 4 роки тому

    So very smart in so many ways. We did the same. Every month we looked what we had in the bank and dumped it into the mortgage. That was called making a "principal only" payment; a payment over and above the regular monthly mandatory payment. We kept dumping two or three thousand monthly over and above until we got so close, and found another seven grand to be paid off by the new millennium. The saved interest dollars on the loan can add up to $50,000 easily that stays in your pocket, and more. So many people think they have to buy a huge house. They buy into the whole American dream, and they'd be foolish doing so. Huge houses are huge expenses in property taxes, repairs and upkeep. A new roof when the time comes is 20,000.

  • @april82daisies
    @april82daisies 6 років тому +1

    Love your simple living/debt free mindset! I’m right there with you! Thank you for sharing!

  • @dy-nn9oz
    @dy-nn9oz 4 роки тому +2

    I love your outlook and where it lead you . My husband and I are starting our debt free journey buy our first home and hopefully paying it off in 3 years ! And raising our 3 kids in a humble modest home .

  • @Tinkerbell31326
    @Tinkerbell31326 6 років тому +1

    I shared this video with my son and my niece. ,you have wonderful advice.

  • @NaturallyBrittany
    @NaturallyBrittany 6 років тому +16

    So awesome to hear your story! Oh if walls could talk. 😂 I’m sure they’d have some colorful stories. 🙈💕

  • @andreajohns4108
    @andreajohns4108 6 років тому +4

    You're not crazy, you're both wise and disciplined! Thanks for sharing, especially the truth of what it really takes. We are about to move and hope to pay it off fast! (It's a Farmhouse!!) New to your channel and love it.

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому

      Thank you o much, Andrea! Glad to have you following along. :)

  • @carlaveronica9234
    @carlaveronica9234 6 років тому +3

    Wow, you're a very wise woman, thank you for sharing!

  • @ashleybowles0507
    @ashleybowles0507 5 років тому +2

    Lisa youre my favorite UA-camr! Yall are so smart, fun and every video is awesome!

  • @elisek1984
    @elisek1984 2 роки тому

    Thank you for sharing this🙏
    Our home we owed $330k when we got married 3.5yrs ago and we put everything onto the house aside from some renovations around $60k, we only owe $85k now and will have it paid off in a year or so. There's a temptation to move to a more expensive area because my husband does have a high paying job... but I'm inspired to only pay cash next time. Interest rates are tipped to rise in Australia and I don't want the stress. Having a simpler affordable home means I only work 2 days a week and I could stay home if we have more children.
    A really easy way to save when we were a young couple both working was to save one person's wage (mine) and live off the husband's wage. This made it really easy for me to take 2 years off work when we had our two kids.

  • @chrissiewindsor
    @chrissiewindsor 2 роки тому

    Lord, I couldn’t be prouder of you if you my own daughter! Luke too, naturally. You’re amazing.

  • @40bdg
    @40bdg 6 років тому

    So glad you shared your story. I'm impressed you guys had the vision and responsibility/self-discipline at such a young age. I hope tons of people (young and old) see this and follow in your footsteps. Congratulations!

  • @rasulhafeez5575
    @rasulhafeez5575 6 років тому +1

    God bless you and your family. It's so great to hear families, that can figure out ways in how to budget and reach they're goals in helping out they're whole family. God bless you again.

  • @Allaboutcraft
    @Allaboutcraft 6 років тому

    You are such an inspiration! My husband and I purchased our first home in1984 we were in our teens he was 19 I was 16 it was 10,500 we lived in that little house for 30 years☺️ and raised 3 children, we still own it and my elderly father now lives in it! We now live in what I would say is close to my dream home and are living debt free at 53 and 56.

  • @Ambmitch
    @Ambmitch 2 роки тому

    So encouraged by you! We are 7 mo married and renting. This helps me be more content with our cheap little rental.

  • @mariapablo2127
    @mariapablo2127 4 роки тому

    I came upon your blog, great content. Thank you for sharing. It's important to have a debt free life.

  • @DeathByFashion1
    @DeathByFashion1 2 місяці тому

    “ a whole cow a time” is the flex I want to achieve😂 thank you for sharing. I recently found you and I love watching your videos in the background. They are relaxing while I work my 9-5

  • @itynotbity
    @itynotbity 6 років тому +4

    Congratulations on owning! I'm going to try to do better for my family. You motivate me! 😃

  • @saralange1230
    @saralange1230 6 місяців тому +1

    It is doable, just very against society standards. Life is simpler and happier for sure. ❤ we are a family of 6 living frugal on one income. God opened doors to buy a small older home with 12 acres of land… it’s a no brainer for us.

  • @marissamamawiththeoils1245
    @marissamamawiththeoils1245 6 років тому +1

    Are you crazy? Uh... NO! Such an admirable thing to do. Such peace of mind you are giving your children by not being stressed about money and showing patience and responsible spending. Awesome! New sub👌🏻

  • @homeonmagnoliahill9899
    @homeonmagnoliahill9899 4 роки тому +1

    This is such an important goal of ours! Thank you for the inspiration and the motivation ❤️

  • @tinapospeshil5059
    @tinapospeshil5059 5 років тому

    Thank you for sharing your story! This is so inspiring and helps me to want to stay on track for a debt free lifestyle.

  • @deborahryan2654
    @deborahryan2654 3 роки тому

    Love your story...it mirrors ours. Any extra money we got, we put it on the principal.
    We loved getting the monthly statement from our bank, seeing how much less was going to interest.
    The day I brought in the final payment, I hugged every employee...I was SO overjoyed.

  • @LB-ku6ry
    @LB-ku6ry 6 років тому +1

    Wow, Lisa! What a beautiful story! You continue to amazing me and keep me interested in you and your life. It's a real treat to hear that you and your husband are both in agreement and you worked and are working together to build a solid life together with your sweet kiddos! Everything about your blog is great! So, it's not what you usually talk about. It's needed. It's important. It's A maZ ing! The more you share, the more I can't get enough of you! Real food is healing. Nutrient dense food is healing and promotes wellness. You rock! Rock on, guuurrrl!

    • @FarmhouseonBoone
      @FarmhouseonBoone  6 років тому

      Thank you so much for following along, Lynn!! And I really appreciate your sweet comment. :)

  • @gladconst
    @gladconst 6 років тому

    I think it's awesome that you did this. I'm in my 50's and wish I had someone tell me this when I first got married at 21! My daughter is in her early 20's, and I encourage her to do this. I think I'll share your video with her. She loves the farmhouse style, too! Thank you for sharing! Y'all are pretty smart! Blessings! Kim

  • @mellymuse1
    @mellymuse1 6 років тому

    I have such respect for you and your hubby for living a debt free life. We are barely just achieving this goal in our 40's and have decided to sell everything to downsize and simplify our lives. We are realizing how much having material things can complicate and stress us out! The little fixer upper we are moving into is a 1970's time capsule but seeing the beautiful job you've done to your home gives me hope and I'm super excited. I love the minimal farmhouse style. Thanks for your great advice and videos.

  • @Maria-lynn
    @Maria-lynn 6 років тому

    I am so inspired by this video! I am in my early 40’s already and my husband and I just bought our 3rd home a bit over a year ago. After a few months I realized we do not need so much space, the kids are grown up, have moved out and I want to downsize to do just this! I see us in a small rancher, no more than 2 bedrooms and priced low enough to pay off in a span of 5 years. I even had a tax plan idea! Except it took me 40 years to figure it out. I believe we still may have a chance. I think you’re planning a great future for your family. Thank you for sharing your story.

  • @calichrist1790
    @calichrist1790 3 роки тому

    Debt free as well, one house is mortgage free that we rent out and second house we live in and have income apartment, we are working on paying that off as well. I think it is freedom from some anxiety as well. It helps you sleep at night knowing you don’t owe someone or worrying how you will pay a bill. Putting in a few years of doing without is worth years of enjoying what you want later.

  • @thembifletcher281
    @thembifletcher281 5 років тому

    This is wisdom. We are working on being debt free in the next year or so, so we can start saving up to buy a home. Debt truly takes away your freedom, but thank God that He's using people like you to lead by example, so we could see a way out.

  • @queenjess86
    @queenjess86 6 років тому

    This is so good! You’ve done it right! My husband & I are 31 & we have a foreclosure & bankruptcy in our past. This is so encouraging 😄

  • @ashleyconk1
    @ashleyconk1 6 років тому

    Love, love, love this! Great information :)

  • @MsDede2424
    @MsDede2424 6 років тому

    Your so inspiring! I hope to be debt free one day. I will definitely try some of your tips. Thanks for sharing 😊

  • @nancyhanes7720
    @nancyhanes7720 2 роки тому

    If I had only done this. As a widow now it’s tough. Hope my children will listen and live a little below their means and try to stay debt free.

  • @tayakartsanov5537
    @tayakartsanov5537 2 роки тому

    Love it! Thanks for sharing!!! So proud of you guys! Way to live!!! Nothing feels as great as to be debt free 😁👍🏻

  • @nordyfam
    @nordyfam 6 років тому +1

    So inspiring!! Y’all rock! Keep it up 😊

  • @FarmhouseTeas
    @FarmhouseTeas 3 роки тому

    That's awesome! Congrats! We are debt free except for our house. Shooting for 5 years or less on that!

  • @saraanne9127
    @saraanne9127 3 роки тому

    Love this! So inspiring 👏🏼We’re on our debt free journey, but with such restraint and mindset we could meet our goals way quicker.