Debt Confession 2024 🤦🏻♀️🫣 Cash Envelope Stuffing
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- Опубліковано 19 чер 2024
- Debt Confession 2024 Cash Envelope Stuffing// In this video I share my true numbers of debt. This is a hard video for me to share so I hope that you hear the vulnerability in my voice as I share this hard truth with you all. Thanks again so much for your support and for your encouragement throughout the years. I hope that my setback won’t discourage you in your journey, but that it will give you a bit of an encouragement if you two have had a setback in your finances. 
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Also, I am not a financial advisor or an expert. I just share budget methods and systems that work for me and my family, in hopes it can inspire you!
I can relate to being back in debt but life happens. We don't worry about it. We made a plan to tackle it. Welcome back.
I was so discouraged and disappointed in what happened. But it happened, that’s the reality. Now I just got to do the work and get things taken care of again.
Happen to us to. We paid off like all credit cards and now have them again 😢
@jessicaleibret8772 goodness 😔 well we now have a community for support and encouragement!!! We can do this!!
I hope so I need encouragement!! And help LOL
@@jessicaleibret8772You can do it ❤
Thank you for being real and relatable! I’m sure I can speak for everyone saying how grateful we are for that!
I appreciate that so much!
Me too….debt free and got T boned by a new driver, totaled my paid off car. So now, car loan :( plus others…I think once you’ve worked so hard for years, the emotional spending takes over when life throws curve balls and that’s where I’ve ended up. Step by step I’ll get back there (with a little less gazelle intensity) lol.
oh no!!!! I'm so sorry that you had that happen! Horrible! I hope you didn't sustain any injuries or anyone else involved!! With this time around in our debt payoff we definitely want to give ourselves rewards. I believe it's ok to budget fun things in your life while you are paying off debt. There is nothing wrong with doing that even though the majority of experts would disagree.
You said it best. “We learn, we grow, we adapt, and we move forward.” Just keep going. You’ve got this!
YESSS!! I'm so ready to kick this in the butt! lol
Im over here feeling like im drowning with close to $6000 total in debt, creating a plan to tackle and be debt free, life happens and there’s nothing yhat we can do about it but to keep looking and moving forward. We got this wr can do this. 🎉❤😊
I was one of the many people that you worked my numbers on on your your previous videos. Thanks once again.
I’m paying off debt as well. Trying to pay most of it off this year I have over $30,000 in debt. I’m from upstate new York too. Welcome back 😂 even though I’m over the winter ❄️ I love it here. I love to see you back ❤❤
I have been loving the winter so far. It is freezing but there’s something beautiful about it.
Your vulnerability is so so refreshing. I’m praying for you on this journey. Glad to have you back, you’ve been missed!!
Oh thank you!! I almost feel embarrassed and ashamed but hey it’s real life. I’m just ready to tackle this debt and move forward to new things.
Don’t let the enemy make you feel any shame! This is real life and I guarantee most of us are in a similar situation as this one. We will work through it together and hold each other accountable to our set budgets!
I appreciate your honesty because I’m sure we can ALL relate. And the BBP is life changing
Thanks. It’s a big reality check but I know wrist needs to be done.
I did a lot to budgeting to stay out of debt but when I had my first kid this past October my maturnity leave was 8 weeks partial pay and I bit the bullet and we put groceries and gas on a credit card and the debt we aquired is less than the money we lost by not working and we are slowly trying to tackle it while also having the extra expense of a whole baby lmao. Life is tough, but I know we can make it happen even in our solo low income household, it’ll just take time to make enough to pay it off
Lizzie, I just found your channel today and I'm so happy I clicked on this video. It's so hard not to compare ourselves to other people when it comes to finances and it's even harder to not beat ourselves up too much when we fall short on our goals. Thank you for showing us the real truth about what it's like to exist in today's world. You just got yourself a new subbie 💜
Aww thanks so much!! I appreciate your support and encouragement.
Lizzy, it will be ok. Thank you for being so real with us. You will get it paid off. I think you consolidating with a lower interest rate was a good move.
It made sense for us to do that instead of paying so much in interest.
I want to say I think you are brave to come on so humbling with your truth. My husband and I, I don't feel have ever been debt free as of yet. However we were on track we haven't gone negative in our account. I use tools from TBM myself and had us on track to fixing our credit and working towards being debt free and buying a house. Do to different things we fell off the wagon and now this year our big concentration is to get back on that track. We both have good paying jobs but we DoorDash on the side to work towards that goal. The scary part is hubby not getting hours at work due to slow season of work. I am upset and embarrassed to be where we are but you dust yourself off and continue forward. God has us all in His hands. Together we will get where we want to be. Seasons come and go and how you react to it says alot.
Oh absolutely! Thanks you for your openness with me. It is hard to see this reality. But with consistency and focus we can do this!! You are able to push forward through this also! 🤗
I have went a little backwards this month , paid off (2) credit cards one for $300.00 / 400.00 and have them backup. I will be stronger this month pay the cards of again.
You got this! One thing I have done is completely removed the credit card from my wallet. If it’s not on me I am less tempted to use it.
❤ you guys got this, and you have shown us how to get debt free. Thank you for sharing. 😇🤗 great to see you again. Congrats on the new adventure 😊
Same boat - went from BS3 almost done to 38,000 back in debt due to medical issues with family - Crazy back on this again -
Oh I’m sorry to hear that. I hope all is well with your family in regards to their health. 🙏
Great job!! Thank you for being so honest. You got this!!! God Bless.
Thank you for sharing and being relatable ❤ y’all got this!
Here watching & supporting you ❤
Thank u so much for sharing the real side of life when we sometimes fall n stumble but with GODS GRACE we can get back up and get back on the journey.. I failed miserably in Jan and I’m always so hard on myself- but just hearing this video I know I can get back on track an do what I need to. It may sound selfish too many but this is just me like what I like and I save up for my hair n nails so I’ll continue doing this for me- I’m not a big traveler but it’s by choice My plan is to have my cc and car paid off by June and I’m gonna do it by hook or crook😂😂 I put myself here and I’ll get it done. I was so focused on “ helping” everyone and ran myself in the ground now I don’t have anyone to help me- GODS GOT ME!! I’m here to watch your journey and to Cheer you on🙌🏽🙌🏽🙌🏽🙌🏽💪🏾💪🏾💪🏾👍🏽👍🏽👍🏽👍🏽
Thank you!!! Cheering up on too!!!!!! Let’s do this!!
This is so refreshing and real! Thank you for being real...I'm definitely going to be here to see you get back on track!❤❤❤
Glad to see you back !!!
Welcome back! Thank you for being real and open. I really do appreciate that and can definitely relate. Again, welcome back!
Welcome back love the video
Happy New Year 🎉
I love this video. Life happens and if you got out of debt once you can get out again. Love the stay in your lane analogy it’s hard watching people cash stuff that aren’t in debt.
It is so hard but yes we will do this!!
This is so real n I love it.
Thanks for being honest! Can’t wait to see you on you’re journey!
🤗 i was so unsure of how the news would be received. But it’s real life..
Keep going because this video just encouraged us to not give up.
Welcome back Lizzie! Awesome video.💚💚
Thank you!!!
Congratulations on being on your new journey 👏 . Thanks for your transparency. I'm here with you. You got this.
Thank you so much!!
So glad you’re back! I’m starting over too.
Thank you for your honesty! I’m definitely right there with you and fell back on debt. Glad I can follow your videos for motivation to stay on track too!
Absolutely!!! I need all the accountability to do this!!
Dont worry..same thing happened to me..2023 was tuff. 2024 will be much better!
I just saw your video today. I too live in lovely upstate NY. Good vibes.
Completely relatable, and I appreciate your transparency as a number of us have the exact same story. You just got me as a new sub for sure! We got this!
I'm so glad! I was nervous to share but it’s my truth and my reality.
Key things I heard “been here before n was debt free” 😊 I didn’t get to see the first time - happy to be here n know u know how to get thru 😊 I hope u will follow me back! 🎉
Glad you are back
Thanks!! Glad to be back!
Welcome Back!
You got this!!😊
Thank you!!
Just discovered your channel and watching this video I don’t see getting back into debt as a negative thing. I know by popular opinions that it would be but I see it as an opportunity to achieve a new goal and get that feeling once the finally payment is made is such a rush. This is completely relatable content. Life has all curves and turns but getting back in debt to make a change in life for the good is not something to be ashamed of. Love from Oklahoma!
I just love this. You are absolutely right! Everyone’s journey is unique.
Yes! One cannot compare themselves to another person. That's where alot of people fail and get discouraged. I am trying to compare myself to my past so I can see the improvements I've made.
Welcome back! You got this! Your content is always so realistic and relatable. Thanks for sharing your journey with us!
Thanks!! I was hesitant to post again, but this is where it all began for me so I felt in my heart.. I should just go ahead and share.
I love this - so helpful, thank you!
Glad it was helpful!
You are always welcomed here Lizzy! Life happens. You are loved and supported here❤
Thanks for sharing
This has to be one of the most relatable videos I have seen to date. I love your authenticity, your honesty, and just the entire video from start to finish. Thank you thank you thank you!
Thank you so much!! This means so much to me!!
Welcome back to UA-cam. You...we got this!!! We are with you
THANK YOU!!!! Yes we do!!! 👏👏
Happy New Year !!😇
I really appreciate that fact your being honest and sharing part of your life with us. Don't be nervous just know your helping many of us that are struggling with the same thing❤
Thank you I appreciate that reassurance 🤗
Welcome back Lizzie. Thanks so much for your vulnerability. Finances are so personal and life happens. I am glad you are focusing on what works for you and your family. I truly appreciate you sharing your journey. God is in control and he will give you the desire of your heart. ♥🙏
🥹 we are really going to try to make changes to become debt free again. Mistakes were made, but now we look ahead at what is to come!
Thank you for welcoming me back!!! I’m so ready to have accountability again.
Welcome back Lizzie! You’ll do great, as you have the skills and you know what needs to happen. 😊
Exactly!!! I’ve already done it before…. I just gotta do it again.
Thanks for sharing your debt breakdown and being real! I will be doing my numbers soon. It’s not pretty!
Girl.. I about cried. 😢
New subbie here, welcome back🎉 you’ll never regret starting again!!
Absolutely not!!! I’m so ready.
Good to see you back. I know you will be able to get debt free again. I wish you the best.
Yes! Thank you!
Welcome back!! Not that I would ever want you back in debt, but it makes you so real and relatable. I’m glad you’re back ❤️❤️❤️
❤️ thanks. Yeah this is not at all what I wanted but things happen. I lived and I learned. Now it’s time to just move forward
Okay I feel like you are taking for me I want to send you a hug 🤗 I’m in the same boat 🛥️ and I so appreciate you sharing your journey starting over. I’m a new subscriber and new to the budgeting community 🎉 I’m sending you prayer for a successful budgeting journey 😊❤
I’m glad we are not alone in this!! Having accountability is so vital to move ahead. ☺️
New subbie! Appreciate your honesty. We had to go back into a small debt today (breaks my heart) but life happens… life be lifeing
if that aint the truth! But I'm hoping we can put things in place that will prevent us from going into debt once we payoff this chunk.
I just found your channel and love how transparent you are. I am a firm believer that we cannot compare ourselves to others. Great budget breakdown ❤
Yes! Thank you!
Thanks for sharing , best wishes on your journey . You did it once before 🎉.
Thank you so much!
So so happy you are back! Have missed you. We are all in this together, life! God is good all the time, you have this.
Aww thanks!!! Yes yes!! I’m so ready to move forward with progress on this. 🤗
So Glad you are back I was just thinking about you today.. We are in the payoff debt in 2024 as well. Being a free spender has gotten us off track... So in 2024 we are refocusing.. Praying for you all as well.
I’m not alone!!! Thank you so much! Yes 2024 we are here to attack this debt!! Changing habits along the way too. 👏👏
Welcome Back
New subscriber here! Hearing you speak so genuinely about your financial situation is wayyyyy more impactful than you think. In the budget community it seems like everyone has all this extra money and is super successful but no one talks about how hard it is to do this when you’re against a mountain of debt. Thank you for your honesty! My prayer for you is that you and your husband will see this through. Rooting for you!!!
Thank you!! I was truly nervous to even post this but it's the reality of our situation. Although I am so happy for my fellow budget friends that post big cash stuffing and maxing out their retirement accounts.. but that's not me and not most people.. YET. I'm glad this video was received with love :)
Thank you for sharing I feel like we have all been there so this is very relatable. You got this , we are taking control of our finances this year!
Yes. It’s a bit embarrassing for me to share but it’s real life stuff. Now we just got to focus on taking care of this.
@@NaturallyLizzie Don’t be embarrassed at all it’s life.
Lizzie! Thanks for sharing this with us. I met you at the SGS conference in November. How great is it that you already have a system that works? I think that’s awesome. I look forward to more videos. We start cash stuffing in 2022 and honestly the only thing I regret is not doing it sooner.
Awwwww yay!!! Yes I know what works I just gotta do the work!!
Life happens and we adjust and learn what we need to do to move forward. No shame.
You can do this, i believe in you ❤
Thanks love! I appreciate it so much!
Welcome back
Life happens! Praying for you and your family. You will get through this. Don’t beat yourself up. You got this!!! 🎉
I appreciate that. I have been super anxious because of this but now I am more at peace. Im ready for change to happen!!
You got this girl! 🙏🏼
GIRL, We are in the same boat. I did the same thing got consolidation loan paid off all credit cards, and now they are maxed out and even got more debt, so I can definitely relate. I just started over again to pay everything off. We got this. We can do it!!!
Oh goodness, I am so sorry to hear that you are dealing with this. But yes! Let's make a plan and stick to focusing on paying off this debt!!!
Welcome back! Thanks for sharing.
Thank you!
@NaturallyLizzie Are u going to do a monthly budget? And how do you stick to your Grocery budget?
@latashagant1733 I am no longer doing a monthly budget since I’m in the budget moms planner. But I have an estimated budget amount for each category.
And yes I want to share meal plans I’m using to stick to the budget for the week!!!
Thank you for being honest, I feel your strength! Be encouraged. God got you, claiming victory for you guys in Jesus' name! Amen! 🤗🙏🏾✌🏾
Yessss I receive that!! Thank you
New subscriber! Welcome back - I know this is an unpopular opinion in this space, but who cares what Dave Ramsay thinks. His approach to budgeting is like a crash diet and not sustainable. Debt happens. You do what you need to do!
Exactly!!! Yes. I do appreciate everything he shares and what his team shares, but sometimes these things happen. Of course no one wants to be in debt but in alot of cases, it's not about the over spending, it's about covering necessities.
New Subscriber here. I just found your channel and it is great to be here supporting another fellow budgeter. Great video, life happens so quickly.
Awesome! Thank you!
New sub 😊 I’m here to figure things out myself- I hope to learn some things
Welcome back to the community ❤❤❤
Thank you!!!
Yay!!! Lizzie welcome back, Ive watched for year's, you have been missed! Is E planning on starting up his business in NY? I moved from Binghamton in 21...i had a 4 bedroom 1 full 2 (1/2) bath, attic & basement (not finished but not necessary) corner lot with off street parking paying $1100/mth....i moved to SC a 2 bed 2 bath less than 1k sq foot apt that is teeeeeeeny paying $1121, 2 years later im paying $1309....people think NY doesnt have affordable housing it does!
Hey!!! We are unsure if he will start the business here. He already has received numerous requests from people here wanting work. But we are just giving a bit of a break now to see if this is something he’d want to start up again.
You got this 💪
Thanks girl!!!
You got this
First time subscribing ❤. I live in northern Vermont.
Thanks for subbing!
I can relate. Working my way out too
You got this!!!
This video sat home with me. Thank you for this video! This is my first time seeing your channel. And I have been trying to find a budget planner for a while and was wondering where did you get your budget binder from? ☺️
This one I got from The Budget Mom!
Debt freedom is like weight loss. It’s hard to keep it off. Don’t feel bad 💩 happens. 👍🏽
I'm excited to follow your journey! Will you have a tracker to color in as you pay off debt?!
I actually have one from Debt Free Charts that I plan to use.
New Subscriiber!
Hi just came across your channel. I used to live in upstate NY (Syracuse) moved to Florida. Yes, it was much cheaper, then FL. ❤
I used to live in Saint Cloud, FL and my goodness.... the last 3 years everything from rent to housing has practically doubled. INSANE! Then you add in all the traffic, nope. We had enough of that.
@@NaturallyLizzie I'm in Miami so you can imagine.
You did it once and you can do it again! New year, fresh start.
Yes!!!! Absolutely!
Lizzie, I missed seeing you on youtube. Im so glad you're back! I know first hand what it feels like to go backwards even to the point of losing everything or even be stagnate but I just want to remind you of Romans 8:37. That you are more than a conqueror through Christ Jesus. I hope you have a wonderful day.
Thanks so much for this!!
@@NaturallyLizzie You're welcome. I hope you have a wonderful day.
Upstate NY is beautiful. I'm originally from Binghamton, and my parents and sister are still there. The cost of living is WAY cheaper than where I am in Virginia (Northern). Good luck on your debt journey. You sound like you have it under control. :)
Fellow Binghamtonian(?) Lol i went with it 😂😂😂 i was there for 20 years and moved to SC in '21!
@@thevictoriagoogin Did you go to school there?
@@SharonR1105 no I graduated from Vestal in 2006
@@thevictoriagoogin I went to Chenango Valley. :). But I'm a lot older...lol
GIRL!!! Whew! I feel for you Sis but it is what it is. At least you’re willing to do the work starting ASAP to get your finances in order. You’re not the first and you won’t be the last. Please don’t be embarrassed. 😊 So i was floored to hear that you move BACK to central NY!!! ??? I left CortLand Ny ( 24 miles from Ithaca and 30 from syracuse) 7 years ago and i retired to Arizona. I did not want to see another snowflake😂
Anyway, I’m just starting out with this system and i saw your video from 2 weeks ago and i subbed. I’ll be following you from now on. Where did you get your budget mom budget by paycheck book? I wanted one but it’s not on her esty page? I wish you all the luck with your new goals and I’m sure you’re going to do great!!! Besides, you have no choice. You’re a New Yorker!🥰🙏🏽✌🏽
Lydia
Haha yes we did. Mainly for family. ☺️ as for the budget book I got it from the budget moms website.
Thanks I’ll see if i can find her website. I really think it’ll be a useful tool for me. God bless!
Lizzie I have a question for you..If you got a consolidation loan those credit cards should have been paid off and you should of had 1 loan payment..I was wondering about that..Because I dont understand your consolidation loan..
Also I do budgeting, and I watch tons of budgeting videos.. I believe those who are in debt, shouldnt be paying to have nails done at a salon, or buy a $50 budgeting book. I Believe cutting out unnecessary things from a budget will get people to there goals faster..Im not directing this toward you, but I see others doing it and I comment on there videos too..Especially showing off there newly done nails..That money can be used toward something else, and they can do there nails at home..Just and example..
The consolidation loan could only cover up to a specific dollar amount not the full balances of the debt we had. That is why I did the balance transfer for the 2 credit cards with the zero percent interest.
Now I completely understand what you are saying cutting back on things. That is absolutely a great idea.
I for one have not been to a nail salon in over 3 years. I do my own nails and my own pampering. The expenses of me doing my own nails and things is what I pay for and is important to me.
We cut what seems best for us to give up. With our move we are now able to save over $400 on expenses!! So that is what we are allocating towards future spending and debt.
Hello from Sullivan county!
hey hey!!!!
Woodbourne NY. Near Liberty. In the beautiful Catskills
Meal plan?
You are allowed to make the decisions that you choose for your family. Life is a lifelong journey of evolution. No mistakes. It's lessons that are learned. The evolution is what you do with that information that you learn.
I'm not one of those people that gives Dave Ramsey so much credit. He is dust and imperfect just like us all. I believe ALL wisdom comes from God and He will use whoever and whatever to get the information that you need to you. Be that people, donkeys, or rocks.
Proverbs 2:6 For the LORD giveth wisdom: Out of his mouth cometh knowledge and understanding.
Numbers 22:28
And the LORD opened the mouth of the ass, and she said unto Balaam, What have I done unto thee, that thou hast smitten me these three times?
Luke 19:40-44
And he answered and said unto them, I tell you that, if these should hold their peace, the stones would immediately cry out.
This is just what I needed to hear! 🤗 thanks for your encouragement
@@NaturallyLizzie I give all glory to God. He just just used me to get the massage to you. You're doing a good job.