I just added an additional $20 bucks to my mortgage payment giving me a total of paying an additional $47.00 to principal. Here's to every little bit helps.
Bless your heart friends for allowing yourselves to be used by Our Father in helping so many come out of mortgage debt...This is written in the middle of the Corona pandemic. Just before the pandemic I was grateful to be able to make mortgage payments with 15 years to go. Now unemployed due to the pandemic my unemployment is next to nothing. I know in my heart God woke me up and you were the first faces I saw for the first time ever at 6 in the morning. HE told me that I can do this even in the midst of lesser money. I'd like to say I'm excited for a five year plan. Because you said one key sentence "just put an extra $20 towards the Principal. I can do this and I know God will make way for more to make this happen on time or before!
@@crownchrist Huh! Whether he owns it or still owes tbe bank lawsuits can happen. Wiser to pay it off and invest, save what was a mortgage payment. Hope you can payoff your mortgage.
🤭😭 Because of your encouragement & inspirational stories, my hubby & I PAID OFF about SEVEN bills in the last 5 months!! Again I say, you both ARE helping someone & I’m one 🙋🏽 Though I started off with many medical bills, God blessed me & spared my life. So I can’t complain 🙏🏽 I understand when things happen. My transmission was getting worse & leaving me stuck on the job. Last Monday I bought a car. In sticking with “the plan” I bought used, low miles & worked the dealer for a car I CAN afford - not just pmt but I was adamant about the total price 🤗We are now working on 3 CC bills & our older car note👍🏽 God bless you & your children.
OMG! I was able to buy my 1st house. I just made my 1st mortgage payment and added $20.00 to go to the principle. Thank you for the inspiration. It's not much but I would love to pay it off before I'm 100 years old.
dianne lockard this old but I just brought my first home as well a couple days ago and my first payment isn’t until August but I am already planning on making a 500$ principal payment right off the bat and using my tax return straight towards the principal. My goal is pay off mortgage when or before I turn 40 (I am 33). 🙏🤞
My goal is the same. Im almost 34 now, and I've had myhome for a year now, putting 600 to the principal every month. How's your progress going? @lavender111
If you don't mind me asking, how long have you had your mortgage for. We just brought own first home and I am DESPERATELY looking to pay off that loan ASAP. I know if it is income based but I am looking to find a more realistic time frame of paying off ours because ifI get discouraged, it is hard to jump back into it.
We bought in 2011 on a short sale, so the purchase price was such a blessing! We did buy with a down payment and 15 year mortgage as advised by Dave. We started sending extra to the principal this January. Good luck on your financial journey, you can do it!
This is so good! We paid $560,000 for our house in Canada in November 2018 - we put down $305,000 and worked extremely hard since then and now have $21,000 left! We cannot wait to have it paid off in 2023! Thanks for the inspo! 😊
We paid off our home in September and the same week I threw my back out and I have been seeing doctors and chiropractors ever since. Murphy does indeed come but I'm grateful to not have the stress of the mortgage on top of it. Great video and Congratulations!
Naomi It's been 9 months since you posted your comment so I'm late but congrats on your accomplishment and I really hope that your health has improved to where the pain is gone or not a hindrance to you.
Damn... too bad you hadn't invested the money and still had access to all that extra cash cuz you can't eat equity but could have been earning 3 times more than the rate you were paying for that cheap money, compounded earnings year over year while saving on taxes for the next 30.
The two of you are such an inspiration. We are paying off our house and are on track to pay it off in 5 years. Its tough having to say no and make sacrifices but it is totally worth it. We have saved sooooo much money in interest already and thinking about the money that we will potentially have to pay in interest makes us want to pay it off even faster. Thanks so much for sharing!!! You two are rock stars!!! God Bless!!
Praise be to God! We just signed our closing today. $229,000 in mortage debt now. We are motivated like none other to pay this off as soon as humanly possible. Mortage literally means death pledge. Can't wait to be free! Congratulations on your success and thank you for spreading the inspiration ❤️
Lol... cuz no Jews, Muslims, Hindus, atheits, Humanist or Satanist ever paid off their mortgage... "logic". FunFact: Amen was indoctrinated into the modern church from the prior religious tribute to the God Amun-Ra
I am proud of you two! Glad you know that the Lord receives the Glory! I need that link to your journal you mentioned. Plus do you have classes or books I can purchase? Please seek me out to help me. Thank you in advance. Oh, I need to listen because my life has changed
My husband recently got a job after military retirement and we are planning to put his paycheck on the mortgage! WE just bought our home last June during our retirement transition and it took him 9 months to find a job. He gets military retirement and over those 9 months we learned to live off of that alone so this extra money from his new job is a blessing and we are going to put it toward paying this new home off FAST!!!! Thank you for inspiring us! God Bless
My husband and I sent the goal of paying off our mortgage in 7 years when we moved in 2 years ago, yesterday! You're right, God does amazing things - we have paid off $100,000 (just principal, I'm not sure the interest at this point) in the past 2 years. Not to mention in that during the past two years, from two modest incomes to just one, had to buy a "new" (read new to us) car, and had a baby. It doesn't make sense at all how we have been able to pay so much in 2 years except to say it's a complete gift from God! Only about $85,000 left to go!
People are not happy unless they can find something bad or wrong with someone else. It's ridiculous! This may not matter in the grand scheme but, I am proud of this BLACK family being debt free! #livebyexample
My husband and I are following Dave Ramsey’s baby steps. We are on the road to also paying off our mortgage early. I got goosebumps hearing how full of joy you are and the peace of mind that you did this on your own! I can’t wait for my husband and I to be there! All glory to God and many blessing to your family and future goals!
I do not have a mortgage at this time but I applied that to my car loan. This is a very helpful video and tips that can be applied to finances in general. Thank you.
My husband and I are not homeowners just yet. Right now we are paying off debt and his student loan. I am so happy to say that we have just payed off all my credit card debt which was unfortunately a bit more than his student loan. God willing we will be done with his student loan this December if not a month of two before December. We have definitely felt great about our accomplishments thus far. When we talk about saving to become homeowners we def say we want to give 20% as well. Thank you for inspiring others. Your joy is my joy. And it is true with God all things are possible!!! God bless you both and your beautiful children. 🎉🎉🎉
Thank you for this! I've always felt overwhelmed about paying off the house, but because of you, I've decided to start next month with $20 extra, then $40 extra the next month, then up and up as much as I can! You are an inspiration!
Hey y’all! I’m buying my home next summer and I’m thinking about paying off my mortgage early. After watching this, My goal is to pay it off in 5 years. I’m grateful for your tips and inspiration!! Thank you!
Are yo retiring in 5yrs? Otherwise INVEST the difference! Mortgage is cheap money/good debt and you can't get the extra payments back if needed... Extra payment under $100/mo is fine and helps "buy down" ur effective rate but anything else should be in an individual investment account, when you have enough use it for a down payment on a rental duplex!
You both are so spot on when it comes to clutter and finances. A few years back I tackled some clutter spots in my home. Once I got rid of the clutter my finances got better. By clearing the mail pile up on my dining room table and desk, I was able to make shifts in my financial affairs that saved me money and helped me control my finances.
Congratulations King & Queen! I just made 1 year in my new home! Every since the first payment I've paid the EXACT principal amount along with the mortgage payment...Thank you for sharing this Wise counsel....this savvy, educated, single mom is determined!
I'm working on paying my house off in 5 years too. Here's how I've done it so far: Work hard in school & get good grades. Nobody will care how cool you were in high school... Joined the navy doing a job with good career options on the outside. Got a good paying job after 6 years in the navy. Volunteer for any overtime available. Live well below your means. I paid 4k cash for my Saturn SL2 and it's still my daily driver 12 years later. I do all my own repairs on it too. Don't go into debt for anything (except for mortgage obviously). Save a big down payment on a house you can afford. Pay $1000-2000 extra principal a month. I Bought my house 16 months ago, and plan to have it halfway paid off by the end of 2018. It's amazing what you can do when you don't buy stuff you don't need and don't care about what other people think. All this is being done while paying tithe and saving for retirement. Yes, money is tight for hobbies, but it will be worth it in the end.
Thank you so much for all the very helpful information. Me and my husband just started putting an extra $100 toward our mortgage. The 15th of this month we are starting our own Accountability Program to pay off our home in 5 years. Please pray for us and that we will stay strong as a couple and a family and as children of the one true GOD (YA)! Thank you again for your supportive and informative channel. ONE.
Excellent Kingdom Wisdom! I started the 5 year mortgage payoff plan in February of 2020 by putting 100.00 on principal each month. Tithing and offers is also a principal of faith we much follow as Believers. Thank you both for being God's conduits of grace and wisdom for us all.
It's awesome that you get the big picture! So many UA-cam watchers are negative and complain about the tips that are given. We just have to figure out how to apply them to our own lives.
Omggg...its not an accident that I found your channel. I am so proud of both of you. Thank God for what he has done and is doing in your lives. Thank you for sharing and educating all of us. I am so pumped and motivated. With God leading, all things are possible. Keep up the excellent work.❤
You guys are such a blessing!! Your story really encourages me. When I bought my home 3 years ago, I started off paying $25.00 extra. Since then, I've slowly increased my contributions. Can't wait for your class!
Yes I will accept your challenge to put $20.00 on my principal on my mortgage..Yes I wanna sow seeds so I can grow I wanna thank you & your wife for inspiring me to let me know not to give up I have to remind myself (A QUITTER WILL NEVER WIN & A WINNER NEVER QUIT) THANK YOU FOR SHOWING ME HOW TO KEEP WINNING HAVE A BLESS DAY 🙏🙏💞💞💯
I've been watching you guys for a while now and not one to leave comments. Just wanted to tell you how proud I am of you!!!! I have been working on our debt for 2.5 years and in Nov will be debt free besides the house also. I also love Dave Ramsey and have been putting an extra $100 on my mortgage for the past 2 years. It's amazing to see the needle move finally. You guys are truly inspiring everyone with your genuine positive energy and excitement. God bless you guys!
How inspiring!!! Thank you. I laughed out loud when you said you started your journey toward your goal only able to pay an extra $20 a month. You are SO right when you say that God will multiply what you have, even when the math doesn't make sense. I've seen that miracle happen in my life. When you put God first, He blesses you. It's that simple. Our only debt is the mortgage and we're looking at paying it off early. But thank you for the push to set a goal. If we set a goal we will have something to shoot for rather than just continuing to pay a little extra per month. Thank you and God bless!
Congratulations!!! We just bought our first home & look forward to paying it down once we boost our emergency fund up and cash flow some furniture and minor improvements! Thanks for your motivation, inspiration and consistency encouraging people to budget and eliminate debt!!!
Most average people think how empty my home is also. Sometimes they'll even tease me about how little I own. I just have the things I use and need. I love order and hate mess. I can have lots of junk everywhere also like most people. But that would just stress me out. I accept the mortgage challenge. I already added $60 to my principle in June. And I have it budgeted over $100 for the July principle.
Vickie Clark I can relate to your comment. I don’t have much in my house either. I remember when I had recently purchased my house people telling me I needed to do SOOO many things to it and not because there was something wrong with it, it’s because our instinct is to remodel and spend the money. But I can careless, I’m not so attach to these type of material things like the huge tv or the fancy dining table.
Thank you for your mortgage pay off videos. You inspired me and gave me ideas to pay off my mortgage. I finished paying off my mortgage 2 days ago and I am so thankful to all the people who helped me keep motivated. Thank you from the bottom of my heart and please keep making videos because I want more people to feel the way I feel about this great accomplishment.
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Let them hate! The bank can’t take your house! People get jealous! You guys are awesome!! Keep going! So inspiring. I’ve been following since the couponing days!
It wasn’t Murphy that hit you after you paid off your home, it was Satin. Wasn’t happy you broke the bondage of debt. Also knew now you would use your story for others to have hope to break those bonds. Thank you for sharing!! Praise God!
I accept the mustard seed challenge to apply an extra $20 to the principal of my house payment. I will be attending the webinar Friday. Thanks again for the valuable information you all share.
Hello. I watched this video today and am extremely grateful that I did. I have lived in my home for ten years as of the end of May and am ready to be mortgage-free. As I listened to the two of you share your testimony I logged in to make my payment for June and added $20 to principal. Game on!!!!! Thanks to both of you for being a vessel and allowing God to speak through you. Many blessings to you and your family!!
I dont have a mortgage but I have a car to pay off. I accept the $20 mustard seed challegne to getting it paid off sooner than later! Thank you guys! I've learned so much from you all!
Congratulations! Can you clarify the math for me - at 3% interest you need to pay $5927 per month to complete a $330,000 mortgage. That's $71,124 After tax dollars per year solely to your mortgage with no living expenses. A middle-income three-person household in the USA earns between $45,000 and $135,000 Pre-Tax dollars. I'm very happy for you and truly want to do what you have done, but can you clarify the numbers and not just tell me about good will to multiply income; thank you.
Congrats!!! So proud of you. You are very inspiring. Keep up the great work. Just took the challenge and added additional money to Mortgage payment. I owe today $113000 and would like to pay it off in 5 years. I am also saving up for my emergency fund at the same time and making payments to myself for a car payment for when I need another car. A lot going on but I know that I will get there. Planting the seed. I should have full emergency fund by next September.
Thank you both for being such a Godly inspiration when so much negativity is all around. I already paid off my student loans and car early so now my next goal is my mortgage and so many people are like that's crazy but this video just confined that it's not because with God all things are possible!! So tomorrow I will go to the bank that is holding my mortgage, sow that seed in faith against my principle balance believing God!!
Congrats Love It!!! Challenge excepted!! We are currently buying a house, (baby step 3b) closing on July 23rd!!! Our plan is to pay a minimum of one extra month's principal payment each month right out the gate with our very first mortgage payment than up it to 3 or 4 extra payments. Paying the house off in 6-7yrs. Thx for the inspiration!!
Congratulations to this grand achievement! I loved that you took time thank God in your joy for taking you through this journey. You’re a great inspiration.
Hello. I just started watching your videos last month and am so glad that I did. I have lived in my home for ten years now as of last month and am ready to be mortgage-free. As I listened to you I logged on to make my June payment and added $20 to principal. Game on!! Thanks to both of you for sharing your journey and being a vessel for God. Many blessings to you and your family!!
This is no mistake God led me to this vid. Thanks for your encouragement. I’m about to do the $20 right now in Jesus name. We just got our first mortgage a few months ago. To God be the glory.🙏🏽!!!
I accept the challenge. You (and all the awesome comments we read below) inspired us to increased the mortgage challenge amount to $60 per month on our mortgage payment monthly. It is our only debt and we want it paid off in 5 years. You guys are such an inspiration!!
I don't have a mortgage and am still on baby step #1 once again. But I'm fighting my way through this ✌🏽💖😇 Great job crushing that mortgage guys!!! So inspirational!!!
Agreed. I just filed the paperwork for splitting my mortgage payment and added an additional $26 to that to go towards the principal. I agree with what you have said thus far. Congratulations.
I like how you sacrificed to meet your goals. Working together is huge! Talking about finances in a meaningful way makes all the difference in a relationship. Overall , living debt free is the not the American way for most people. We are now on the path to pay off our mortgage and can't wait.
My wife and I are in the process of purchasing our 1st home, and we’re DEF.following the example you all have laid before us via this channel and your other platforms!!!
CONGRATS TO YOU TWO!!!!!!, Please pray for me yes I accept the challenge $20.00 more a month for my mortgage I owe $47,000.00 and I'm on a fixed income, I'm so ready to pay this off this will be such a blessing for me and my family. I will be in the class today.
@@jackiecollins6163 Amen your blessing is on it's way. He is your Waymaker, miracle worker , promise keeper, light in the darkness. I speak an overflowing in your bank account in the name of Jesus!, yes there is nothing to hard for God and I'm so glad I have the faith to believe that, since I post this back in 2018, God has really done amazing things in my life and yes I did add $40.00 to my mortgage every month and my mortgage has dope down tremendously no more 40's for me praise God! Also I prayed for a new vehicle in September of 2020 within 3 weeks I got one and then I prayed for a pacific job and a week later the same kind of job came to me, went to my interview and got hired the same day and I have not work in 12 years, Look at God!!!! WON'T HE DO IT!!!!, now I'm thinking about adding another $20 or $40 dollars to my mortgage, time to get in the 20's almost there. Have a blessed day dear.
Both of you are awesome. Congrats on paying off your mortgage. Let the haters hate, their opinion means nothing. Both of you inspire others like myself to tackle this mortgage and pay it off. Going to set a goal for myself and my family. Thanks again
What a blessing! Thank you for sharing your story and your tips. We need to get real and stop following the wolves who want to pull people away from basic, common sense teachings - live simple, pay off your bills as soon as possible, see sacrifice as a blessing that build character. Freedom is being debt free and living in God's grace and sharing with others. May God bless your family abundantly.
Hey guys this is so inspiring. I’m so motivated. My husband and I are in the process of paying off $35,000 debt. In Dec we will be debt free. Our next dream is to pay off the mortgage. Our only problem is we have PMI. How can we get rid off PMI
Tai I would totally appreciate if you did a lifestyle UA-cam channel and blog because I like your approach and perspective on life, budgeting, living intentionally and pursuing contentment. We will enter the housing market and I will utilize you all's tips on selecting a house.
I can’t do the $20 challenge yet because I’m trying to get out of debt and doing the baby steps and I like all the encouragement I can get thank you for sharing.
CONGRATULATIONS 🎉 I am so proud of you two! We currently put an extra payment of $10 towards our principal, but this month we except your challenge and will start paying an extra $20 towards our principal! 🤓
My husband and I are going to add our mustard seed to our principal starting next mortgage payment. We are going to pay our house off aggressively as well. You two are such an inspiration.
Still celebrating with you guys. Congrats again. I don’t own a home yet, but I’m taking notes on how to get it done the right way. Thank you for honoring God first which is definitely key. You guys rock.
This is amazing, I prayed on this a few months ago to have our mortgage paid off in 7-10 yrs. We are also on a single family income, I'm a stay at home mom but my kids start school in August so imma find a job to add to the pot! If you don't mind me asking how much is your income?
Kiashaw's World maybe you can be a substitute? Maybe even try to sub at your kids schools so that u can just pick them up right after? You also don't have to work everyday if u don't want to.
Cheyenne Michelle-Rena thanks you! I looked into substituting here and they don't get paid much at all. I don't know about everywhere else but it's horrible here
I just stumbled upon your video. I’m so glad I did!! Congrats and I’m super happy for you guys. I certainly take on the challenge and will add $20 to the principal of my mortgage. Small and humble beginnings are way better than not starting at all. Thank you for sharing and the words of encouragement. With God nothing is impossible!!!
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Just ran into your channel. I’ve been so down about money and it is causing marriage struggles. I’m now feeling encouraged and wanna stir my wife as soon as I get home. Congratulations on paying your house!
Nubian Itsanuday another UA-camr said to ask for an amortization schedule for the loans and apply the extra money towards the principle so I'm gonna try it
Thank you guys for this very inspiring video, my family is now setting a goal to go after our Mortgage now done with paying off all our debts, may God bless you more so that you guys can continue to help others... thanks again 💝💝
My GOD i feel so blessed to have come across your channel THIS morning. I needed this TODAY. We're already pretty aggressive with paying off debt, but THIS is just what I needed to SEE, HEAR and RECEIVE at this moment. I'll be on tonight's call and I'm restructuring our budget right now! I already pay more on our mortgage (we hit our 1st year here next month), but I'm definitely changing our goal to pay this house off in 3-5 yrs. We can but we've never thought to. Why not, who knows but we are now! Praise GOD, in Jesus Name, Amen! 🙏🏽
Congration, 🎆👐👏🎇🎇👍You guys. Yes, I am happy for you, plus your our such a inspection for me. Forget about the haters, and thank you for sharing your journey with us as well. Please, share the master class video with us, I would love to see it. Please, I'm far away in Florida. Congration, again.🤗
Just bought a house by myself (with God's blessing). Going to add $20 to the principal for the first payment as an act of faith! Thank you for sharing your wisdom, faith and experience. It feels like having someone along the way that's cheering me on!
Congrats!! I am a Ramsey fan and as of last week, my home is paid off!! The first gift to myself was earthquake insurance because I didn’t care if the house was destroyed before in a quake because it wasn’t ‘mine’, but now... Also, I am now going to put the payments that were going to mortgage to a vanguard S&P 500 index fund for now... so I am looking forward to hearing what you guys plan on doing with your former mortgage payments! People can say what they want about Ramsey or you two, but it is not rocket science as Ramsey says, just live below your means. People might say it’s easy for those making 6 figures, but they haven’t been listening to the dentists, and doctors and lawyers that call Ramsey almost living check to check because they don’t manage their spending despite making high salaries!!!!
I just added an additional $20 bucks to my mortgage payment giving me a total of paying an additional $47.00 to principal. Here's to every little bit helps.
Bless your heart friends for allowing yourselves to be used by
Our Father in helping so many come out of mortgage debt...This is written in the middle of the Corona pandemic. Just before the pandemic
I was grateful to be able to make mortgage payments with 15 years to go. Now unemployed due to the pandemic my unemployment is next to nothing. I know in my heart God woke me up and you were the first faces I saw for the first time ever at 6 in the morning. HE told me that I can do this even in the midst of lesser money. I'd like to say I'm excited for a five year plan. Because you said one key sentence "just put an extra $20 towards the Principal. I can do this and I know God will make way for more to make this happen on time or before!
I can’t believe that people would be negative about such a beautiful achievement! Congrats to you beautiful people!
I Am Lady Luxe child there are haters everywhere for everythinging.
All the broke people...🤪
My pops thinks it’s a bad idea to payoff house b/c of possibilities of lawsuits ; litigious society 💆🏽♂️
People hating for no reason. Must envy
@@crownchrist Huh! Whether he owns it or still owes tbe bank lawsuits can happen. Wiser to pay it off and invest, save what was a mortgage payment. Hope you can payoff your mortgage.
🤭😭 Because of your encouragement & inspirational stories, my hubby & I PAID OFF about SEVEN bills in the last 5 months!! Again I say, you both ARE helping someone & I’m one 🙋🏽 Though I started off with many medical bills, God blessed me & spared my life. So I can’t complain 🙏🏽 I understand when things happen. My transmission was getting worse & leaving me stuck on the job. Last Monday I bought a car. In sticking with “the plan” I bought used, low miles & worked the dealer for a car I CAN afford - not just pmt but I was adamant about the total price 🤗We are now working on 3 CC bills & our older car note👍🏽 God bless you & your children.
That is REMARKABLE! We are so proud of you guys, keep up the good work!
❤️
OMG! I was able to buy my 1st house. I just made my 1st mortgage payment and added $20.00 to go to the principle. Thank you for the inspiration. It's not much but I would love to pay it off before I'm 100 years old.
dianne lockard this old but I just brought my first home as well a couple days ago and my first payment isn’t until August but I am already planning on making a 500$ principal payment right off the bat and using my tax return straight towards the principal. My goal is pay off mortgage when or before I turn 40 (I am 33). 🙏🤞
Jennifer S good luck 👍🏿
My goal is the same. Im almost 34 now, and I've had myhome for a year now, putting 600 to the principal every month. How's your progress going? @lavender111
This is so great! I am celebrating with you! We are 6 months away from our mortgage payoff! Can't wait to feel that grass!
I know the bank can't stand them because paying off their home means the bank is not getting anymore intrest.
That's the Bank's Problem because there are more people who have made the decision to pay off their homes in record numbers.
If you don't mind me asking, how long have you had your mortgage for. We just brought own first home and I am DESPERATELY looking to pay off that loan ASAP. I know if it is income based but I am looking to find a more realistic time frame of paying off ours because ifI get discouraged, it is hard to jump back into it.
We bought in 2011 on a short sale, so the purchase price was such a blessing! We did buy with a down payment and 15 year mortgage as advised by Dave. We started sending extra to the principal this January. Good luck on your financial journey, you can do it!
AT THE SPEED OF LIFE any update?
This is so good! We paid $560,000 for our house in Canada in November 2018 - we put down $305,000 and worked extremely hard since then and now have $21,000 left! We cannot wait to have it paid off in 2023! Thanks for the inspo! 😊
That is awesome!!!
We paid off our home in September and the same week I threw my back out and I have been seeing doctors and chiropractors ever since. Murphy does indeed come but I'm grateful to not have the stress of the mortgage on top of it. Great video and Congratulations!
Naomi It's been 9 months since you posted your comment so I'm late but congrats on your accomplishment and I really hope that your health has improved to where the pain is gone or not a hindrance to you.
Damn... too bad you hadn't invested the money and still had access to all that extra cash cuz you can't eat equity but could have been earning 3 times more than the rate you were paying for that cheap money, compounded earnings year over year while saving on taxes for the next 30.
I love it!! We paid of a $125K 20 year mortgage in 31/2 years on a one person fixed income with no money down!!!
Velva Saunders That's the same amount my husband and I are working on now. Can you give me some suggestions please. Peace and Love.
So great! I am setting a goal for myself as a single mom. With Christ ALL THINGS are OBTAINABLE with Faith and Works.
Thanks so awesome congrats
How???
Teddy James probably a physician or pharmacist
The two of you are such an inspiration. We are paying off our house and are on track to pay it off in 5 years. Its tough having to say no and make sacrifices but it is totally worth it. We have saved sooooo much money in interest already and thinking about the money that we will potentially have to pay in interest makes us want to pay it off even faster. Thanks so much for sharing!!! You two are rock stars!!! God Bless!!
Praise be to God! We just signed our closing today. $229,000 in mortage debt now. We are motivated like none other to pay this off as soon as humanly possible. Mortage literally means death pledge. Can't wait to be free! Congratulations on your success and thank you for spreading the inspiration ❤️
Amen! I'm so glad you mentioned that it was God, because He is the only one who can do the impossible!!!!
Niseygirl Love Amen. Totally agree with you
Niseygirl Love totally disagree with you
Niseygirl Love ... Amen
Lol... cuz no Jews, Muslims, Hindus, atheits, Humanist or Satanist ever paid off their mortgage... "logic".
FunFact: Amen was indoctrinated into the modern church from the prior religious tribute to the God Amun-Ra
I am proud of you two! Glad you know that the Lord receives the Glory! I need that link to your journal you mentioned. Plus do you have classes or books I can purchase? Please seek me out to help me. Thank you in advance. Oh, I need to listen because my life has changed
I found you unintentionally on UA-cam, and you guys have been a real blessing. I am so proud of you. Congratulations!
I did too. I just found them unintentionally today. I'm so inspired because she gave all glory to God above.
My husband recently got a job after military retirement and we are planning to put his paycheck on the mortgage! WE just bought our home last June during our retirement transition and it took him 9 months to find a job. He gets military retirement and over those 9 months we learned to live off of that alone so this extra money from his new job is a blessing and we are going to put it toward paying this new home off FAST!!!! Thank you for inspiring us! God Bless
My husband and I sent the goal of paying off our mortgage in 7 years when we moved in 2 years ago, yesterday! You're right, God does amazing things - we have paid off $100,000 (just principal, I'm not sure the interest at this point) in the past 2 years. Not to mention in that during the past two years, from two modest incomes to just one, had to buy a "new" (read new to us) car, and had a baby. It doesn't make sense at all how we have been able to pay so much in 2 years except to say it's a complete gift from God! Only about $85,000 left to go!
Keep it up! God bless
Praise God. That's wonderful
You are killin' that mortgage! Super awesome! 👍👍👍
"God" don't care about ur mortgage, you did it urself
I accept the challenge and I will sow the $20.00 thank you guys for that valuable information 🙏🏽
People are not happy unless they can find something bad or wrong with someone else. It's ridiculous! This may not matter in the grand scheme but, I am proud of this BLACK family being debt free! #livebyexample
My husband and I are following Dave Ramsey’s baby steps. We are on the road to also paying off our mortgage early. I got goosebumps hearing how full of joy you are and the peace of mind that you did this on your own! I can’t wait for my husband and I to be there! All glory to God and many blessing to your family and future goals!
I do not have a mortgage at this time but I applied that to my car loan. This is a very helpful video and tips that can be applied to finances in general. Thank you.
My husband and I are not homeowners just yet. Right now we are paying off debt and his student loan. I am so happy to say that we have just payed off all my credit card debt which was unfortunately a bit more than his student loan. God willing we will be done with his student loan this December if not a month of two before December. We have definitely felt great about our accomplishments thus far. When we talk about saving to become homeowners we def say we want to give 20% as well. Thank you for inspiring others. Your joy is my joy. And it is true with God all things are possible!!! God bless you both and your beautiful children. 🎉🎉🎉
Road tour. Your show should be on the road or on OWN, CNN or BET. Your message is applicable to so much even growing a business.
Thank you for this! I've always felt overwhelmed about paying off the house, but because of you, I've decided to start next month with $20 extra, then $40 extra the next month, then up and up as much as I can! You are an inspiration!
Hey y’all! I’m buying my home next summer and I’m thinking about paying off my mortgage early. After watching this, My goal is to pay it off in 5 years. I’m grateful for your tips and inspiration!! Thank you!
Are yo retiring in 5yrs? Otherwise INVEST the difference! Mortgage is cheap money/good debt and you can't get the extra payments back if needed... Extra payment under $100/mo is fine and helps "buy down" ur effective rate but anything else should be in an individual investment account, when you have enough use it for a down payment on a rental duplex!
You both are so spot on when it comes to clutter and finances. A few years back I tackled some clutter spots in my home. Once I got rid of the clutter my finances got better. By clearing the mail pile up on my dining room table and desk, I was able to make shifts in my financial affairs that saved me money and helped me control my finances.
I just love this .....if y'all can pay off $330,000 in five years then I know my husband and I can get debt free in 3 years
Yes u can. How's it coming along?
Just found y’all April 2019. I love your hearts! I’m going to add $20 to my mortgage payments going forward. Y’all pray for me!! 🙏🏽🙏🏽❤️❤️
Congratulations King & Queen! I just made 1 year in my new home! Every since the first payment I've paid the EXACT principal amount along with the mortgage payment...Thank you for sharing this Wise counsel....this savvy, educated, single mom is determined!
Great job!
I'm working on paying my house off in 5 years too. Here's how I've done it so far: Work hard in school & get good grades. Nobody will care how cool you were in high school... Joined the navy doing a job with good career options on the outside. Got a good paying job after 6 years in the navy. Volunteer for any overtime available. Live well below your means. I paid 4k cash for my Saturn SL2 and it's still my daily driver 12 years later. I do all my own repairs on it too. Don't go into debt for anything (except for mortgage obviously). Save a big down payment on a house you can afford. Pay $1000-2000 extra principal a month. I Bought my house 16 months ago, and plan to have it halfway paid off by the end of 2018. It's amazing what you can do when you don't buy stuff you don't need and don't care about what other people think. All this is being done while paying tithe and saving for retirement. Yes, money is tight for hobbies, but it will be worth it in the end.
Challenge excepted!!! 😀 So ready to get rid of our mortgage! Thank you both so much for your inspiration and encouragement!
people hate on everything,,,,,,,proud of you guys
Thank you so much for all the very helpful information. Me and my husband just started putting an extra $100 toward our mortgage. The 15th of this month we are starting our own Accountability Program to pay off our home in 5 years. Please pray for us and that we will stay strong as a couple and a family and as children of the one true GOD (YA)! Thank you again for your supportive and informative channel. ONE.
Excellent Kingdom Wisdom! I started the 5 year mortgage payoff plan in February of 2020 by putting 100.00 on principal each month. Tithing and offers is also a principal of faith we much follow as Believers. Thank you both for being God's conduits of grace and wisdom for us all.
We’re super proud of you!
@@HisandHerMoney Thank you both for allowing the wisdom of God to flow through your lives. May the grace of God cover you always.
I’m going to accept the $20 challenge but for my student loans!! God bless you and congrats!! 😄
kriskay2k9 Me too! ☺🙏🙌
I'm with you sis! I accept the challenge for student loans, mixing action into my faith to be free of trifling student loan debt.
Yay!
Go for it!! Wonderful!!
It's awesome that you get the big picture! So many UA-cam watchers are negative and complain about the tips that are given. We just have to figure out how to apply them to our own lives.
Omggg...its not an accident that I found your channel. I am so proud of both of you. Thank God for what he has done and is doing in your lives. Thank you for sharing and educating all of us. I am so pumped and motivated. With God leading, all things are possible. Keep up the excellent work.❤
You guys are such a blessing!! Your story really encourages me. When I bought my home 3 years ago, I started off paying $25.00 extra. Since then, I've slowly increased my contributions. Can't wait for your class!
Bella Mina I brought my home November 2017 and I pay $25 every month towards principal too. I’m even more encouraged!
Yes I will accept your challenge to put $20.00 on my principal on my mortgage..Yes I wanna sow seeds so I can grow I wanna thank you & your wife for inspiring me to let me know not to give up I have to remind myself (A QUITTER WILL NEVER WIN & A WINNER NEVER QUIT) THANK YOU FOR SHOWING ME HOW TO KEEP WINNING HAVE A BLESS DAY 🙏🙏💞💞💯
I'm taking that faith step and adding $100 dollars a month to my principal...Thank you for all of the great advice..Blessings to you and your family 💞
"With God All Things Are Possible" 5:30 Love it!
Sammy from Alabamy ... Amen Brothers and Sisters, Amen !!!
I've been watching you guys for a while now and not one to leave comments. Just wanted to tell you how proud I am of you!!!!
I have been working on our debt for 2.5 years and in Nov will be debt free besides the house also. I also love Dave Ramsey and have been putting an extra $100 on my mortgage for the past 2 years. It's amazing to see the needle move finally. You guys are truly inspiring everyone with your genuine positive energy and excitement. God bless you guys!
How inspiring!!! Thank you. I laughed out loud when you said you started your journey toward your goal only able to pay an extra $20 a month. You are SO right when you say that God will multiply what you have, even when the math doesn't make sense. I've seen that miracle happen in my life. When you put God first, He blesses you. It's that simple. Our only debt is the mortgage and we're looking at paying it off early. But thank you for the push to set a goal. If we set a goal we will have something to shoot for rather than just continuing to pay a little extra per month. Thank you and God bless!
Congratulations!!! We just bought our first home & look forward to paying it down once we boost our emergency fund up and cash flow some furniture and minor improvements! Thanks for your motivation, inspiration and consistency encouraging people to budget and eliminate debt!!!
Most average people think how empty my home is also. Sometimes they'll even tease me about how little I own. I just have the things I use and need. I love order and hate mess. I can have lots of junk everywhere also like most people. But that would just stress me out. I accept the mortgage challenge. I already added $60 to my principle in June. And I have it budgeted over $100 for the July principle.
Vickie Clark I can relate to your comment. I don’t have much in my house either. I remember when I had recently purchased my house people telling me I needed to do SOOO many things to it and not because there was something wrong with it, it’s because our instinct is to remodel and spend the money. But I can careless, I’m not so attach to these type of material things like the huge tv or the fancy dining table.
Don't worry about other people keep doing what's best for you . They will be alright
Thank you for your mortgage pay off videos. You inspired me and gave me ideas to pay off my mortgage. I finished paying off my mortgage 2 days ago and I am so thankful to all the people who helped me keep motivated. Thank you from the bottom of my heart and please keep making videos because I want more people to feel the way I feel about this great accomplishment.
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Congratulations 🎉
You guys inspire me
I am paying off my house in 5 years by the grace of God
Let them hate! The bank can’t take your house! People get jealous! You guys are awesome!! Keep going! So inspiring. I’ve been following since the couponing days!
Awesome! I’m not a Christian but I love your channel! Congratulations!
It wasn’t Murphy that hit you after you paid off your home, it was Satin. Wasn’t happy you broke the bondage of debt. Also knew now you would use your story for others to have hope to break those bonds. Thank you for sharing!! Praise God!
I accept the mustard seed challenge to apply an extra $20 to the principal of my house payment. I will be attending the webinar Friday. Thanks again for the valuable information you all share.
Hello. I watched this video today and am extremely grateful that I did. I have lived in my home for ten years as of the end of May and am ready to be mortgage-free. As I listened to the two of you share your testimony I logged in to make my payment for June and added $20 to principal. Game on!!!!!
Thanks to both of you for being a vessel and allowing God to speak through you. Many blessings to you and your family!!
I dont have a mortgage but I have a car to pay off. I accept the $20 mustard seed challegne to getting it paid off sooner than later! Thank you guys! I've learned so much from you all!
Karman Jones you can do it!!!
Congratulations! Can you clarify the math for me - at 3% interest you need to pay $5927 per month to complete a $330,000 mortgage. That's $71,124 After tax dollars per year solely to your mortgage with no living expenses. A middle-income three-person household in the USA earns between $45,000 and $135,000 Pre-Tax dollars. I'm very happy for you and truly want to do what you have done, but can you clarify the numbers and not just tell me about good will to multiply income; thank you.
25% downpayment on 300k house they pay 30k in interest for the 5 years
Thanks for another great video! I accept the $20 challenge! I believe God will multiply it!
Congrats!!! So proud of you. You are very inspiring. Keep up the great work. Just took the challenge and added additional money to Mortgage payment. I owe today $113000 and would like to pay it off in 5 years. I am also saving up for my emergency fund at the same time and making payments to myself for a car payment for when I need another car. A lot going on but I know that I will get there. Planting the seed. I should have full emergency fund by next September.
Thank you both for being such a Godly inspiration when so much negativity is all around. I already paid off my student loans and car early so now my next goal is my mortgage and so many people are like that's crazy but this video just confined that it's not because with God all things are possible!! So tomorrow I will go to the bank that is holding my mortgage, sow that seed in faith against my principle balance believing God!!
Congrats Love It!!! Challenge excepted!! We are currently buying a house, (baby step 3b) closing on July 23rd!!! Our plan is to pay a minimum of one extra month's principal payment each month right out the gate with our very first mortgage payment than up it to 3 or 4 extra payments. Paying the house off in 6-7yrs. Thx for the inspiration!!
Congratulations to this grand achievement! I loved that you took time thank God in your joy for taking you through this journey. You’re a great inspiration.
Awesome!! I'm 5 years behind, but my goal is to pay my house off in 10 years.
Hello. I just started watching your videos last month and am so glad that I did. I have lived in my home for ten years now as of last month and am ready to be mortgage-free. As I listened to you I logged on to make my June payment and added $20 to principal. Game on!!
Thanks to both of you for sharing your journey and being a vessel for God. Many blessings to you and your family!!
This is no mistake God led me to this vid. Thanks for your encouragement. I’m about to do the $20 right now in Jesus name. We just got our first mortgage a few months ago. To God be the glory.🙏🏽!!!
I accept the challenge. You (and all the awesome comments we read below) inspired us to increased the mortgage challenge amount to $60 per month on our mortgage payment monthly. It is our only debt and we want it paid off in 5 years. You guys are such an inspiration!!
I don't have a mortgage and am still on baby step #1 once again. But I'm fighting my way through this ✌🏽💖😇 Great job crushing that mortgage guys!!! So inspirational!!!
Thank you for speaking Truth about God's Promises and sharing your story! Congratulations!!!
You two are inspiring! Im going to the bank after work and putting all the cash in my wallet towards the principal of my mortgage!
LOVE IT!!!
Agreed. I just filed the paperwork for splitting my mortgage payment and added an additional $26 to that to go towards the principal. I agree with what you have said thus far. Congratulations.
We accept! Thank you for your testimony and encouragement and examples!! 🙏💗
Not sure why there was hate. This is inspirational! And 5 years of commitment means sacrifice and dedication!
Y'all are a very neat couple! Thanks for taking the time.
I like how you sacrificed to meet your goals. Working together is huge! Talking about finances in a meaningful way makes all the difference in a relationship. Overall , living debt free is the not the American way for most people. We are now on the path to pay off our mortgage and can't wait.
Power couple! 🙌
My wife and I are in the process of purchasing our 1st home, and we’re DEF.following the example you all have laid before us via this channel and your other platforms!!!
CONGRATS TO YOU TWO!!!!!!, Please pray for me yes I accept the challenge $20.00 more a month for my mortgage I owe $47,000.00 and I'm on a fixed income, I'm so ready to pay this off this will be such a blessing for me and my family. I will be in the class today.
I'm with you with the fix income but there is nothing to hard for God trust him we will make it some how
@@jackiecollins6163 Amen your blessing is on it's way. He is your Waymaker, miracle worker
, promise keeper, light in the
darkness. I speak an overflowing in your bank account in the name of Jesus!, yes there is nothing to hard for God and I'm so glad I have the faith to believe that, since I post this back in 2018, God has really done amazing things in my life and yes I did add $40.00 to my mortgage every month and my mortgage has dope down tremendously no more 40's for me praise God! Also I prayed for a new vehicle in September of 2020 within 3 weeks I got one and then I prayed for a pacific job and a week later the same kind of job came to me, went to my interview and got hired the same day and I have not work in 12 years, Look at God!!!! WON'T HE DO IT!!!!, now I'm thinking about adding another $20 or $40 dollars to my mortgage, time to get in the 20's almost there. Have a blessed day dear.
Both of you are awesome. Congrats on paying off your mortgage. Let the haters hate, their opinion means nothing. Both of you inspire others like myself to tackle this mortgage and pay it off. Going to set a goal for myself and my family. Thanks again
What a blessing! Thank you for sharing your story and your tips. We need to get real and stop following the wolves who want to pull people away from basic, common sense teachings - live simple, pay off your bills as soon as possible, see sacrifice as a blessing that build character. Freedom is being debt free and living in God's grace and sharing with others. May God bless your family abundantly.
You guys are so motivational! I've been throwing extra money to the mortgage... Planning to be mortgage free in 4-5 years! 👍👍👍
I expect the challenge
Made our 1st payment last month and paid an extra $30 and it felt great
Hey guys this is so inspiring. I’m so motivated. My husband and I are in the process of paying off $35,000 debt. In Dec we will be debt free. Our next dream is to pay off the mortgage. Our only problem is we have PMI. How can we get rid off PMI
Tai I would totally appreciate if you did a lifestyle UA-cam channel and blog because I like your approach and perspective on life, budgeting, living intentionally and pursuing contentment. We will enter the housing market and I will utilize you all's tips on selecting a house.
Stephanie Gibson
I agree!!
I wud totally follow a lifestyle channel by Tai xx
I can’t do the $20 challenge yet because I’m trying to get out of debt and doing the baby steps and I like all the encouragement I can get thank you for sharing.
your locs look AMAZING
Yeah hair goals right ? ❤
Congratulations..I’m two years away from my dream of becoming mortgage free...You guys inspire me..Congrats again..
CONGRATULATIONS 🎉 I am so proud of you two! We currently put an extra payment of $10 towards our principal, but this month we except your challenge and will start paying an extra $20 towards our principal! 🤓
Accept*
My husband and I are going to add our mustard seed to our principal starting next mortgage payment. We are going to pay our house off aggressively as well. You two are such an inspiration.
I hope you guys can pass the class on the Apple podcast. I work Friday and have Bible study at night
If you register and aren't able to attend you'll still be emailed the replay.
Still celebrating with you guys. Congrats again. I don’t own a home yet, but I’m taking notes on how to get it done the right way. Thank you for honoring God first which is definitely key. You guys rock.
This is amazing, I prayed on this a few months ago to have our mortgage paid off in 7-10 yrs. We are also on a single family income, I'm a stay at home mom but my kids start school in August so imma find a job to add to the pot! If you don't mind me asking how much is your income?
Kiashaw's World maybe you can be a substitute? Maybe even try to sub at your kids schools so that u can just pick them up right after? You also don't have to work everyday if u don't want to.
Cheyenne Michelle-Rena thanks you! I looked into substituting here and they don't get paid much at all. I don't know about everywhere else but it's horrible here
This is amazing! My husband and I want to work towards our mortgage payoff 5 years. We calculated it.
Yolanda McBride Good luck
I would love to feel that homeowner feeling one day. Only if I found your channel in my early 20s
You can do it!
I just stumbled upon your video. I’m so glad I did!! Congrats and I’m super happy for you guys. I certainly take on the challenge and will add $20 to the principal of my mortgage. Small and humble beginnings are way better than not starting at all. Thank you for sharing and the words of encouragement. With God nothing is impossible!!!
I was thinking 15 years to payoff, now I am thinking 10 or better.... Great advice guys and congrats!
Go for it!
I can entrust you to Credit Patch-Up LLC smart service because he helped me and my husband remove our past eviction from our credit report and I just got approved for another card worth $30,000 limit and he cleared my friend credit card debt, he's 100% Real and Legit i assure you of a job well done from him you can reach him thru via [Jon@creditpatchup.com] he also remove any negativity item off your credit report: Bankruptcy, Tax Liens,Public Records, Evictions , Student Loans, Mortgage, Late Payments, Credit Card Late Payments, Charge Offs, Collections, he's one a kind go check him out friends you won't regret this
Just ran into your channel. I’ve been so down about money and it is causing marriage struggles. I’m now feeling encouraged and wanna stir my wife as soon as I get home. Congratulations on paying your house!
Praise God!!!! Will you ever do a house tour??
Congratulations! We are paying an extra 50 a month now. Such an inspiration!
Will this work with student loans...20$ extra on principal payment?
Nubian Itsanuday another UA-camr said to ask for an amortization schedule for the loans and apply the extra money towards the principle so I'm gonna try it
Thank you guys for this very inspiring video, my family is now setting a goal to go after our Mortgage now done with paying off all our debts, may God bless you more so that you guys can continue to help others... thanks again 💝💝
Congratulations, Talaat & Tai on your new blessings. What an inspiration! Please include me in the mustard see prayer!
My GOD i feel so blessed to have come across your channel THIS morning. I needed this TODAY. We're already pretty aggressive with paying off debt, but THIS is just what I needed to SEE, HEAR and RECEIVE at this moment. I'll be on tonight's call and I'm restructuring our budget right now! I already pay more on our mortgage (we hit our 1st year here next month), but I'm definitely changing our goal to pay this house off in 3-5 yrs. We can but we've never thought to. Why not, who knows but we are now! Praise GOD, in Jesus Name, Amen! 🙏🏽
Congration, 🎆👐👏🎇🎇👍You guys. Yes, I am happy for you, plus your our such a inspection for me. Forget about the haters, and thank you for sharing your journey with us as well. Please, share the master class video with us, I would love to see it. Please, I'm far away in Florida. Congration, again.🤗
Just bought a house by myself (with God's blessing). Going to add $20 to the principal for the first payment as an act of faith! Thank you for sharing your wisdom, faith and experience. It feels like having someone along the way that's cheering me on!
That is awesome!
You guys are inspiring my husband and I! 😍
I am accepting the challenge to send an extra $20 to my mortgage. Thank you so much for sharing your story. You all are truly an inspiration to me.
Thank you for the insight family!
Congrats!! I am a Ramsey fan and as of last week, my home is paid off!! The first gift to myself was earthquake insurance because I didn’t care if the house was destroyed before in a quake because it wasn’t ‘mine’, but now... Also, I am now going to put the payments that were going to mortgage to a vanguard S&P 500 index fund for now... so I am looking forward to hearing what you guys plan on doing with your former mortgage payments! People can say what they want about Ramsey or you two, but it is not rocket science as Ramsey says, just live below your means. People might say it’s easy for those making 6 figures, but they haven’t been listening to the dentists, and doctors and lawyers that call Ramsey almost living check to check because they don’t manage their spending despite making high salaries!!!!
Congratulations, that’s an awesome accomplishment!
You are telling the truth my agent was trying to push . My house is 106.500 so I’m going to pay extra to get it pay off in less 15 years .
You can do it!