Being debt-free does not happen by accident! It does not happen because you got married without debt, it happens because you made it happen. So happy for you guys and looking forward to the day that we can say we are debt and mortgage free!
Yes. It's not "lucky" that you came into your marriage with no debt. It's because you both were smart and did not amass a bunch of debt. It's called choice. It's called decision. It's called responsible. It's not called luck.
True. I got married and we had no debt, but we eventually found debt. It's all choices. We are now working to rectify our financial decisions by making wiser decisions.
I would encourage you to learn to talk about you and your husband's wonderful accomplishments with greater confidence. You have no reason to be apologetic about your decision to live debt free (so do I). You've done very well. OWN IT!
If a mom wants to stay at home with her children, it is imperative to buy a house based on the price of the husband's salary ALONE. I was working when my husband and I first got married and even when I was pregnant, but then I quit to be at home with my kids. We always based our budget on only his salary because we knew we'd be losing my salary at some point. I think people today are really spoiled. They want super-expensive cars, houses, clothes and other "toys." Everything should be planned out in life. I have drilled that into my kids from the start. You will really avoid problems down the line.
Yes! I only worked about 5 months after we married, but since we figured everything based on one income all except a small amount set aside in checking to pay the expenses caused by me working my income went straight into a savings account (I was driving and hour each way to work so that gas and some lunches out with co-workers were paid from my salary). We started marriage with only a house mortgage.
Absolutely. We have always lived more simply than our friends and family and it enabled us to make the choices that are right for us. I could stay home, one of our boys had autism so that made staying home even more beneficial, and we eventually started our own business totally debt free and could only do that because we didn't have house, car or credit payments. Our things aren't as nice or new as some of our friends things, but I don't actually mind that....which sometimes surprises me. LOL I love nice things and pretty things, but I wouldn't trade the time with my boys and husband for those things and that is how it works. To get them we would have had to both work. My son with autism recently died unexpectedly in his sleep and I am overwhelmed with gratitude that my husband and I had so much time with him. Our lifestyle choices meant we were at everything he did, we spent a ton of time with him, we were super involved at school with him, and had ongoing hobbies and interests we shared with him...all instead of working more to have money for things. It is all so extremely clear in retrospect.
@@NicolesNaturals Oh, thank you. Our family has a lot of support and comfort from each other, family and friends. We are so lucky. E was the biggest blessing, I can't even express it in words. The gentlest person I have ever known. We are so grateful to have had him in our lives.
People have done amazing things with them. It may be small but I’m planning to have the scandi / french country / slightly boho style home that I want, without borrowing money. :) That means a lot of secondhand materials because I can’t afford new. It’s so great to see what Farmhouse on Boone family have achieved living within their means.
I'm sure I'll get backlash for this, but my husband is a mechanic. He works on a ton of cars! He will only buy a Honda or a Toyota. He says that those cars are built to a stand a lot. If taken care of they will last forever. Most of the modern cars are made to look good but they are not built well. Engines are crammed in which can cause more engine failure and more safety issues. Just my two cents. I also paid off our mortgage when we lived in our 770 square foot home with only a $45,000 mortgage payment. We have never made more than $26,000 a year from my husband's income. It can be done! I have five kids! I won't lie, it's hard and it means saying no to an awful lot. It meant getting up at 5 in the morning so that I could still be home and homeschool the kids and sometimes not getting to bed until 12. But it can be done
SodbusterLiving Thank you for sharing-it would be awesome to learn more of your story in how you overcame debt - with your yearly income - so many people struggle and would love to learn more -
We have a toyota truck from 2009. We purchased it used. It is a solid truck. We bought it 3 years ago. We love Toyota!!! The dealship where we live was so good to my husband when he bought tires from them. Had no idea that you could get tires brand new at a discount. There was a name for it. I guess there was a vehicle that had a set of tires on them, that were used one time only. I guess they were put on a truck, then taken off right away. They can't sell them at full price when they are like that. These were really solid tires and a good brand. He got them for half of what they would have cost brand new.
I have an 04 Toyota Highlander and my husband has an 05 Tundra. We agree! Toyota’s are reliable and can’t beat no car payments! People think we’re crazy but I refuse to borrow for a new car. Just trying to slay this mortgage now!
My father always said if you cant pay cash for it , then you shouldn’t buy it ... you cant afford it . STAY DEBT FREE as you ALWAYS end up paying more for something than if you waited until you can pay for it . You lose in the long run.
Wonderful video and advice! I used to live in one of the most expensive cities in the US: Seattle. I became debt free while living there and raising 3 kids as a single mom. If I can do it, ANYONE can. I was 30k in debt after my divorce, and he wasn't paying child support (never did). I made it my goal: if I can't pay cash, I don't get it. I managed to become debt free, get my health and dental health in order and completely paid off, and save money besides. I now live in Europe (remarried) and though we haven't bought a house here, we are living minimally in a tiny apartment so we can save for a house. We never buy new cars (even if we had the extra money, I wouldn't - they lose value the minute you drive them off a new car lot!). We lived for 3 years without a car because we could easily rely on public transit in the city we live. When you keep the mindset to pay cash for everything, then life makes things happen that you couldn't have planned. It's a type of grace. So I don't buy people's excuses. It is possible, no matter where you live.
It's so refreshing watching videos on families living debt free. I found you from your first debt free video. Definitely think it's a different mindset to live debt free but its totally worth it and freeing 😊 We moved from Cali to GA just to live debt free and it was worth it! Taked care!
@@stephaniegg4035 yes I completely agree and I'm learning that a lot people are in debt because they don't realize that living debt free is a thing so these types of videos are awesome to educate others =)
An $80,000 first time home is something alot of young couple will not settle for! Used cars you may have paid cash for really helps keep debt at bay, too! I love your original story about how you paid off your first home in five years! It drew me to your channel, Lisa! Love , love this video also! I love your new farmhouse! Thank you for sharing your story! And I love your mindset about only renovating things you can pay cash for! Its so inspiring! Its refreshing! And people can move if they live in expensive part of the country. Thanks for your help, Lisa!♡
Yes. I agree. I think we (myself) included need to take ourselves down a peg on what is "accepatable"... I think we want what our parents have but we do not remember thier beginning where they did drive beaters and lived in humble homes/apartments.
Ditching The Grind 3 yeah, kids these days think they have to start off with the full Monty. They don’t realize you have to work your way up. Home, car, job etc. That’s why they get themselves in trouble. This is wonderful. I wish schools taught financial responsibility courses in high school and even middle school. They did when I was in school. I’m 52.
Lol 80k home? This year 2020, unless you live in Detroit ghetto. Cheapest Homes in popular cities where everyone moving to are going for over half a million dollars if it's on the market and townhomes are over quarter million for 2br 1bath.
I just wanted to pick up the phone and call you after listening to this video. It was excellent. My husband and I live in Hawaii, one of the most expensive places on the globe and yet we are debt-free because we choose to rent an 800 ft.² cottage, we wash our own dishes, we have two older vehicles, but have a handsome savings account and owe no one, and it’s because we choose to live within our means. I completely agree with you that nothing is worth having if you have the burden of owing someone else. Americans are often just too spoiled and do not know how to say no to the things they want. Anyway, you & your husband have made some wise choices and I’m so happy for the way God has blessed your family.
Thank you for sharing your story. I know money is a touchy subject, and despite possible negative comments, you posted this video in hopes of helping someone. I appreciate that very much ❤
I am 67 yrs old & can tell you that what you & your husband are doing financially is awesome. I wish I could go back & have a do over. God is blessing you because you choose to be a debtor to no man and that is pleasing to Him!
It is absolutely not by luck that you are where you are. It’s because of your discipline and hard work, and God blesses that. My husband and I got married with no student loans, and still managed to dig ourselves into a debt hole after marriage. Thankfully we discovered Dave Ramsey and are now debt free except our mortgage at age 24, and hopefully will be where you are in 10 years. But the point I am trying to make is that you and your husband are where you are because you honored God with your finances and made good, responsible choices!! Well done!! That is soo hard to do in this culture! Kudos to you and your family! You deserve all this success you have ❤️
This is FABULOUS!!! I agree with you fully! No debt…. You all are a breath of fresh air! My daughter is doing this! We don’t do debt ever even for a house. Never borrow for anything.
Hi Lisa, You and your husband can feel proud that you have managed to pay off your mortgage for your beautiful farmhouse. A delightful place for your delightful five kids to grow up in and have loads of fun. Hope your family have many happy and fruitful years living there.
This is amazing and so reassuring to me. My husband and I had been debt free since the day after we got married until we purchased our farm/home.. We used our wedding money to pay his truck off. Now we have a loan out to pay for our farm, which we hope to pay off a lot earlier than planned. Thank you for opening up and sharing, it's super encouraging to hear from someone down to earth and humble!
Be encouraged everyone! You can do it too. My husband and I had debt when we got married. Paid off $80K in 24 months and are on track to pay off our house in 4 years. It can be done. Live below your means, increase your income and throw the free money at the mortgage until it is gone.Thanks for sharing!
You pretty much outlined the basics. Living debt free is definitely a beautiful discipline that many don’t grab hold of. We are a debt free family and I won’t trade the PEACE of MIND for nothing. You just need to WANT this life.
Yes I totally agree. I have no debt. No dishwasher. No mortgage. No car payments. Don't want any of that. Don't need to go into debt to impress others.
Thank You. I am 100% on board. This is a message a lot of people not only want to hear but need to hear. It is so satisfying and freeing to live a life without debt.
My husband and I have done the same. We save and buy with cash, including our homes. We married later- I was 28 and he was 32. And, no- we were never previously married. It just took us a long time to find each other. 😉 Our personal thoughts, for ourselves, is that God gives us what He believes is enough and we respect that. We don't have the newest trends and don't update to keep up with the times. Our goal is function, clean, health and comfort. There is much peace when there is no financial stress. I know we have been blessed and I don't take that for granted. But, we have also worked hard. I completely understand why you come across as apologizing. I never tell people our choice to live debt free, but if a friend might make a comment and say something about our mortgage- I am honest and say we don't have one. I have had a friend get very angry at me and say It isn't fair I don't have bills like they do. I nicely reminded her that I also don't have the nice things that they have the bills for- that it is everyone's personal choice and neither one is wrong.
Great explanation, you and your husband are so mature. I say this bc with today’s mind side is instant gratification. Buy, buy, buy... and then when the bills start piling up, trouble. Money and overspending are the most high on the list for divorce. Love your home and attitude 🇺🇸🙏🏻💛🧡❤️
This is awesome! Not sure why people disliked?! 🤔 Spread the word everyone and teach your kids and loved ones to stay out of debt. It does bring great peace. We paid off our house almost five years ago. It's been great!
So happy that the floors are beautifully restored, and walls are painted. I prayed for you, and the old house, as I know so many others were praying too! This is true Wisdom! Thank-you, Konstance
Thank you so much for sharing your story! We are debt free also and I find that people just aren't willing to sacrifice to make that happen. So many of us view luxuries as necessities and think that we have no choice but to go into debt to obtain these things. You did a great job of explaining the mentality that is required to get here. Keeping your eyes on the prize and never compromising. Also, don't compare yourself to what you think others have. Comparison is the thief of joy - and the reason that so many people choose debt over financial freedom. Thank for being the voice of reason that they need to hear! 💕Robin
When I got married we had no debt. Unfortunately my husband was loan happy.. He had just paid off his student loans, we paid cash for all of our wedding expenses, and took a very cheap honeymoon. What I didn't realize was that my new husband believed that if you needed extra money, you borrow it - after having kids we ended up going deep in debt and still buying a house. Going into marriage debt free didn't mean we lived debt free. We spent money badly. THat is why we were in debt. Kudos to you. YOU are doing it right so please don't apologize. We need more role models like you. BTW- after 42 years we got a divorce. He is still deep in debt and I am not.
I respect your self discipline. I totally agree with the no debt mind set, I myself also have this rule, as I was growing up in hard times in the seventies and my dad's advice was don't do debt, in the case of a mortgage pay it down as fast as possible, which I have done with my husband. We also did a lot of do it yourself repairs and improvements on the house. Now in my sixties I am grateful to have no debt and have a healthy savings and investments. Although we have a lot of medical expenses as my husband is terminally ill, my priorities are to keep the savings topped up for this.
Even if you guys had of had debt, your mindset not to get a more expensive home, finance, cars, and send your children to expensive schools etc, is the reason that you all are winning with money. You all made good choices it was not luck but living life by design... And guess what we all can choose what we want our lives to be and make decisions that bring us closer to our goals everyday.
This is great. We are debt free (except for our house). I have been following Dave for a couple of years, and he's had a huge impact on us. I am from Australia, and our house prices are very different here. It is impossible to buy a house for cash, unless you live many hours away from a capital city. We bought a small un-renovated house in a great school zone, and we are now saving to renovate while paying extra off our mortgage. The house cost us about 7x our annual family income. Most families in this area have houses twice the size, and twice the mortgage debt. My husband and I have no interest in upgrading!
It's amazing to be debt free. We have been (not always), but we made up our minds when our children were small, if we couldn't pay cash, we didn't need it until we had the cash. We came through the recession in the 1980's w/that philosophy and it has served us well. So many people today think upon graduation from college they need to have a home that has everything they have ever dreamed of and and so on. We started out w/a "starter home" and when we bought our little homestead home, it was also a "fixer upper" that we did ourselves. My husband is very handy and can do anything, plumbing, wiring,, HVAC, carpentry, all of it. (he grew up on a farm). We did it the same way you did. NOW, after 52 years of marriage, we have our dream homestead...debt free. We raised our kids here and they helped to make this place a home too. We taught them early about money and how to live w/out debt and they all are married and debt free raising their families. This philosophy is one of the best gifts you can give your kids. You all are doing a fabulous job and I wish you wouldn't feel you have to apologize for the way you made your dream come true. Thanks for being real and being willing to share. It will be an inspiration to so many. Dave Ramsey is AWESOME!
Thank you for helping provide hope that paying off a home and living debt free are actually feasible. We love Dave Ramesy and are trying hard to be financially responsible.
Videos like these really inspire me to keep doing what I’m doing. I make about $1,000/month right now and save as much of it as I can for this reason. This type of freedom is the dream. I’m excited to get there and grateful for all that I have right now. ❤️
I am so much older than you but you remind me of how people my age use to deal with finances. We never bought things if we didnt have money. Lay a way was how we bought something we really wanted. We didnt have credit card debt and we still dont. So many people want all the bells and whistles when they buy their first houses now and are not willing to put in the effort to achieve that over time. Well done you guys, i hope you inspire more younger folks to follow your path.
Wonderful!!! So many people lack the knowledge it's possible to live debt free. Lack of knowledge and not willing to not having what they want when they want has destroyed marriages and torn families apart. Keep telling your story to all who will listen. It's then their decision.
This is great. In California we don’t get to have luxuries of debt free living since a 1500 sq ft house is just under a million dollars. However! In saying that, this is encouraging to me to loving debt free in all other parts of my life that are more controllable like credit cards and then saving to pay cash for a new car!
I live in so cal, my husband inherited a single wide mobile home from his grandparents. We have not been able to buy a house even thought we have a good amount saved and both work full time jobs(not min wage). Houses where we live are 500K for. a decent one or 350k for a beat up one which is about what we can afford. Summers are rough and just had a baby so we've outgrown this place, its served us well for 12 years but its sad that we are sort of stuck here.
I can’t believe how expensive the West Coast has become!! My husband and I used to live in Seattle.. there is no way we could ever afford a house there now..I don’t know how the average family can survive. I live in TN now and you can have such a great life here on a minimal income, plus it’s beautiful!
We lived in SoCal in an 1100sqft house we bought in 2011 for 70K. It was a total fixer upper (but livable since we had a VA loan and the standards are pretty strict) and my husband had to commute to LA everyday but it was totally worth it and it’s completely possible to find a house that isn’t ridiculously priced they just may need work and you might have to commute. We moved to the South and sold the house for 170K last year which is still lower than many areas in SoCal.
I cannot imagine! Arkansas here... We live in over an 1800 Sq ft home on about 5 acres. We paid about $81,000 total, plus about $10,000 to renovate completely. I understand salaries are different here than Cali, but my oh my!
This is so on point. I have seen so many people think they need it all now instead of waiting and saving to have it. The choices you provide yourself by not having debt can make a huge difference in your life.
As a young person I did get in debt. It was a struggle and I lived pay to pay. Then I just got determined to get out of debt. The hardest part is owning up to how much debt you have. Tracking every penny and cutting things I didn’t need. I wanted to continue to stay home with my three children so I opened a home daycare. Every penny I made went on the debt. In five years I was finally out of it. It was such hard work and never got back into debt again. Once you have the freedom of your whole paycheck you truly find out your needs and your wants. You are an inspiration to all who watch your videos. ❤️
I'm a Dave Ramsey follower. I haven't got a morgage, I bought a new car and paid it off in 1.5 years. I am not totally debt free, all of the time, but I do owe very little and pay my bills off almost every month. I'm older and retired so I do treat myself on occasion but we are in great shape. We paid cash for a land and cruise trip in Alaska, last year and travel without debt as often as we like. I do encourage young people to follow the debt free teaching. Both of my sons have only a morgage and their cars are paid for so I'm pleased that they are on the right path. Thank you for sharing and for encouraging others to see that peace of mind is worth going without things that you don't really need until you can pay for them.
Please don’t let anybody make you feel bad about coming into marriage with no debt. People like to poke holes into other’s stories to make them feel better about their own situations. Congrats! This doesn’t happen by accident or “luck”.
I love being debt free! When you brought up Dave Ramsey, I remember how he tells people to eat beans and rice until you can afford more. Great video Lisa 💯👍
My daughter is doing the Dave Ramsey way to become debt free. She went into marriage with a large amount of student debt with her Masters degree. They are working hard to be debt free. Spreadsheet to cross off debt. Glad you are sharing! It can be done even with children and daycare.
You are so young and smart! On my husbands 50th birthday we were able to be on the Dave Ramsey’s radio show and yell, “ we are debt free”! It doesn’t solve all problems but I agree it is a GREAT way to live! Love your videos!!
I actually love these type of videos! Maybe you could do one on ways that you save money around the house! And of course your cooking videos are my second favorite!😊
You're an inspiration especially to those who are just starting out. I don't blame you for not wanting to share too much private information. I feel just because you're on UA-cam, it doesn't mean you share EVERYTHING about your life! Thanks!
We will be paying our mortgage off this summer. I like to tell people the key is to have a goal, make and follow a plan. Your income and expenses control your speed of reaching that goal. The plan is what actually gets you there.
Glad to see that you're good at managing money. I know a lot of young people around your age that aren't. USA is so much in debit. Everyone wants everything now! God bless and continue your great video's.
Lisa, such a great video. Kudos to you and your hubby. The impactful lessons your kids will take away from the debt free life you guys are building is one that is priceless. Their futures are looking so bright for them😊💗
Someone should be telling you how proud they are that you have chosen to live debt free and to forgo instant gratification! I am so happy for you and your family that you have chosen to be wise and do things the correct way, bravo. I know the feeling that the world sends out that you are so lucky.....luck had nothing to do with it. You worked hard, you sacrificed and finally....finally you have achieved what you have been sowing into for years! Congratulations and may God bless you and yours.
Awesome story! Don’t allow others’ opinion and negativity dim your light and achievements- no prefaces or apologies necessary. Even someone in debt and appreciate your journey and still to get there versus finding something negative to say.
Being debt free is freedom!! We have lived it and now teach Financial Peace. Good for you!! Congratulations! Saving for your retirement and kids college may be next. :)
Thank you for your video, good ideas to use, and your right just because your a stay at home Mom doesn't mean you have a ton of money. We've been accused of that many times.
Thank you for sharing your private story. Finances are always so tough to talk about. I admire you tremendously. Its about bein't determined and making the decision to live below your means. It is not easy but very rewarding. I was left as a single mom tragically when I was pregnant with my third child. Had been in a home we purchased for one year. I paid it Off Alone in 15 years. We did without a lot no cable. No eating out used clothes old cars. But then I helped my children buy cars when they were teenagers. Helped them with college . It's definitely gratifying and more people need to hear that it's possible
How I wished I would have had this kind of inspirational story when I first started . Now 44 years old and trying to go back to simpler ways. And yes trying to scrape away at our debt. I wish I had your view on house buying at the time I started. Now I want to get out of this monster. No need for extra square footage! Just a bunch of emptiness! I hope this speaks volumes to young people trying to get into their first home.
Student loans are a Choice people make. They need to take responsibility for that. I got my R.N. Degree thru a 2 year community college program when I was 30 years old. You don’t have to get a 4 year degree if you don’t want debt. It’s a choice! I drive a 21 year old car even though I can afford to pay cash for a new one. I sold resale items on eBay to help us pay off our 30 year mortgage in 10 years. We live modestly. It’s a choice. Young folks need to learn they can’t have it all. You are so wise! You deserve your success-it wasn’t handed to you. Blessings.
Don't let those people make you feel bad or guilty because they are justifying their spending habits. We got married without any debt too and we still ended up with a ton. Things happen and everyone spends differently. Debt is debt, doesn't matter where it comes from.
I just wanted to say thank you .Without giving us the numbers, the way you put things into perspective is kind of a wake up call. Honestly we were so close to purchasing a house right at our max fortunately someone outbid it from underneath us. You're so right don't buy anything you can afford.
I know you mentioned this but in the UK that beautiful 'cheap' $80 000 house would cost around $800 000. Your story has no relevance what so ever in the UK. You are lucky to live where you are, that's it really.
I am of the same mindset, but my husband is not. Very hard to compromise. But I can say for the past 5 years, we have had no credit card debt and my car is being paid off in 2 months. Unfortunately, my husband then wants to buy an new ( used) car, so we will probably start all over with his car. I also must add that we are both retired now, and live comfortably with just our social security monthly. I do what I can.
We love the Biblical principles Dave Ramsey teaches and we also live by them as much as is possible. It is so great that you two figured this out, adopted these guidelines of living within your means and not having to have immediate gratification so early in your lives. Thank you very much for sharing this with others. It saves so much stress and heartache to use this financial philosophy. Praying blessings continue for you and your sweet family.
I watched this again. I love when you said that you would rather wash dishes by hand and have no air conditioning than be in debt. I think that lack of NEED is a big part of it. You are a couple who can truly do without to obtain what you want. I’m just so impressed!
Living within your means was never taught us. We just paid off my husband’s student loans because a dear relative left an education trust to us. We both had student and credit debt when we got married. Our first home we had a nasty surprise and needed a new roof ASAP, it was leaking on top our fireplace, our bathroom and our bed. So we also have an HELOC as well. Now- we can’t even afford to rent an apartment. We were willing to sell if it was better. We live in an area where renting is more expensive. We are determined to get debt free. A friend turned us to Dave Ramsey as well. We are SUPER tight (sometime we literally barely can buy food, others we only have 29 cents to pay towards debt), but so far only Mortgage and HELOC left! Soooo exciting. It feels so liberating to get it gone. I never realized how STRESSFUL it felt to be in debt. It worried me so much more than I realized it till some of it was gone. Congratulations you guys! Keep it up! And let’s continue to encourage our friends and family to strive for debt freedom!
We bought a house on foreclosure on 2010 for a ridiculous price and sell it for 3 times more than the original amount and thanks to that now we are building our farmhouse MORTGAGE FREE AND DEBT FREE! And it’s awesome because thanks to that we have the freedom to buy everything in cash and no have debts or mortgage!❤️
Thank you for sharing your story! 💕 My hubby and I are debt free, it's amazing! It is true, you have to change your mindset. It motivates you! Budget your money, live on less than you make, 0 balance your paycheck. Look at your numbers and live accordingly! Bless you!
I am so impressed you both had the sense to live within your means.More so as you have the ability to have your children around you and live happy successful lives without worrying about debt and the pressure that causes.Well done to you and your husband for sticking to your values and making sacrifices for the greater good of your marriage and family.☺️
I am so glad to see this video. I am currently taking Financial Peace University because I wanted to learn what he had to say about insurance, investing and giving. My husband and I were pretty much of the same mindset When we married he had a small amount of debt and a small car loan. We weren’t making that much but we knocked out the CC debt in a couple of months then made double car payments and knocked out the car loan about 6 months later We built a good, basic 1400 sq foot house and moved in a few months before our first child was born. Since then we have raised three sons, sent them to college, bought several homes and are currently raising two of our grandchildren. We have no debt, no car payments, no mortgage and are those every day millionaires I am so proud of you and your husband Debt makes you a slave
This is amazing! We're starting to share our debt-free journey as well, but we're right in the middle of it. You're so right, it is very individualized, but I don't think that negates your experience or your ability to share. Thank you!! -Jenn
You are absolutely right, prioritizing expenditures is vital. Yes, if you need a new roof, or gutters or broken windows, these must be replaced immediately for safety and security. But having an outdated kitchen, no doors on cupboards, flaking paper and paint (as long as not a danger to children) is not the end of the world. Having the latest phones, the latest games and game machines, eating out every week, new cars every 3 years, vacations on ships or in lavish hotels are not a necessity. Well done! You both should be very proud of what you have achieved at such a young age, but also being cognizant that not everyone has the same opportunities.
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I love of all of your videos, but this one ranks at the top. I have no doubt that by sharing what you did you helped an enormous number of people. Thank you for your honesty and humility. Beautiful!
What a blessing for you guys!. We just bought a home in California and we heard good and bad comments “you have a good job” it’s okay but we saved for a few years. “what about a new car for the wife and kids” the old are running fine“ At the end of the day we just work and try to live a healthy and debt free life!. So congrats to you guys and thanks for the video!. You guys are doing awesome!!. 👏🏻
Great video. I watched it a year ago when you first posted it and I thought what an amazing feeling it would be to live debt free. By no means is my family anywhere close to having our house paid off but I am seeing the light at the end of the tunnel. We are so close to having all medical bills paid off from having our children and also due to having to have a couple extra surgeries after giving birth due to complications. Also our credit card debt is almost gone too. I can’t wait. It’s such a freeing feeling. Thanks for the motivation.
It's so nice to hear a young family talk about being debt free! It's not the things we possess that make us happy but the time we spend with the ones we love! Proud of you and the values that you are teaching your children.
Thank you for sharing. When my husband and I got married, 20 years ago, we had student loans, car loans, and absolutely nothing. We are now almost out of debt, including paying off our small, humble home. It's taken a lot of work and sacrifice though. Especially because I have been home with my kids full-time, then part-time for many years now. We hand wash dishes, drive older vehicles, and do not go on a lot of vacations (my kids hate travelling so that is mostly why) But living this way is worth it , I do not regret it at all. =)
Being debt-free does not happen by accident! It does not happen because you got married without debt, it happens because you made it happen. So happy for you guys and looking forward to the day that we can say we are debt and mortgage free!
Christi Lee exactly. Intentional planning and spending. Life is not handed to us the way we want, we need to work for it. So boo to the haters lol
Yes. It's not "lucky" that you came into your marriage with no debt. It's because you both were smart and did not amass a bunch of debt. It's called choice. It's called decision. It's called responsible. It's not called luck.
Agree completely!!
Truth
True. I got married and we had no debt, but we eventually found debt. It's all choices. We are now working to rectify our financial decisions by making wiser decisions.
I would encourage you to learn to talk about you and your husband's wonderful accomplishments with greater confidence. You have no reason to be apologetic about your decision to live debt free (so do I). You've done very well. OWN IT!
N Dolma I was about to write the same thing! Glad to see I’m not the only one.
Sis be free and be blessed.
Yesss give yourself pat on the back!
I second that opinion
Yes! They had to be disciplined!! Life is about choices!
Agree! They exercised great discipline & obviously made smart choices every single day. I'm proud of such a young couple achieving this.
Don't be apologetic about having no school loans. Good for you!
If a mom wants to stay at home with her children, it is imperative to buy a house based on the price of the husband's salary ALONE. I was working when my husband and I first got married and even when I was pregnant, but then I quit to be at home with my kids. We always based our budget on only his salary because we knew we'd be losing my salary at some point. I think people today are really spoiled. They want super-expensive cars, houses, clothes and other "toys." Everything should be planned out in life. I have drilled that into my kids from the start. You will really avoid problems down the line.
Very good advice. I see too many women who want to stay home, but because of the amount of debt they took on pre-kids, they just can't.
Yes! I only worked about 5 months after we married, but since we figured everything based on one income all except a small amount set aside in checking to pay the expenses caused by me working my income went straight into a savings account (I was driving and hour each way to work so that gas and some lunches out with co-workers were paid from my salary). We started marriage with only a house mortgage.
Absolutely. We have always lived more simply than our friends and family and it enabled us to make the choices that are right for us. I could stay home, one of our boys had autism so that made staying home even more beneficial, and we eventually started our own business totally debt free and could only do that because we didn't have house, car or credit payments. Our things aren't as nice or new as some of our friends things, but I don't actually mind that....which sometimes surprises me. LOL I love nice things and pretty things, but I wouldn't trade the time with my boys and husband for those things and that is how it works. To get them we would have had to both work. My son with autism recently died unexpectedly in his sleep and I am overwhelmed with gratitude that my husband and I had so much time with him. Our lifestyle choices meant we were at everything he did, we spent a ton of time with him, we were super involved at school with him, and had ongoing hobbies and interests we shared with him...all instead of working more to have money for things. It is all so extremely clear in retrospect.
@@christineshah7330 I am so sorry about your son. I pray you find comfort and healing.
@@NicolesNaturals Oh, thank you. Our family has a lot of support and comfort from each other, family and friends. We are so lucky. E was the biggest blessing, I can't even express it in words. The gentlest person I have ever known. We are so grateful to have had him in our lives.
So inspirational! I am building a small home from shipping containers so that I can avoid a mortgage and still own my home. Feels so great.
That's awesome!!
That's amazing!
How cool!!
We have considered that too?..🤔
People have done amazing things with them. It may be small but I’m planning to have the scandi / french country / slightly boho style home that I want, without borrowing money. :) That means a lot of secondhand materials because I can’t afford new. It’s so great to see what Farmhouse on Boone family have achieved living within their means.
I'm sure I'll get backlash for this, but my husband is a mechanic. He works on a ton of cars! He will only buy a Honda or a Toyota. He says that those cars are built to a stand a lot. If taken care of they will last forever. Most of the modern cars are made to look good but they are not built well. Engines are crammed in which can cause more engine failure and more safety issues. Just my two cents. I also paid off our mortgage when we lived in our 770 square foot home with only a $45,000 mortgage payment. We have never made more than $26,000 a year from my husband's income. It can be done! I have five kids! I won't lie, it's hard and it means saying no to an awful lot. It meant getting up at 5 in the morning so that I could still be home and homeschool the kids and sometimes not getting to bed until 12. But it can be done
SodbusterLiving Thank you for sharing-it would be awesome to learn more of your story in how you overcame debt - with your yearly income - so many people struggle and would love to learn more -
I don’t know why you would get backlash for stating the truth. We love our Honda’s!
We have a toyota truck from 2009. We purchased it used. It is a solid truck. We bought it 3 years ago. We love Toyota!!! The dealship where we live was so good to my husband when he bought tires from them. Had no idea that you could get tires brand new at a discount. There was a name for it. I guess there was a vehicle that had a set of tires on them, that were used one time only. I guess they were put on a truck, then taken off right away. They can't sell them at full price when they are like that. These were really solid tires and a good brand. He got them for half of what they would have cost brand new.
I have an 04 Toyota Highlander and my husband has an 05 Tundra. We agree! Toyota’s are reliable and can’t beat no car payments! People think we’re crazy but I refuse to borrow for a new car. Just trying to slay this mortgage now!
My dad is a retired mechanic and says the exact same thing
My father always said if you cant pay cash for it , then you shouldn’t buy it ... you cant afford it . STAY DEBT FREE as you ALWAYS end up paying more for something than if you waited until you can pay for it . You lose in the long run.
It was not by luck that you own your home ,it was a decision you both made to make that a priority.Congratulations to you both.
Thank you!
Wonderful video and advice! I used to live in one of the most expensive cities in the US: Seattle. I became debt free while living there and raising 3 kids as a single mom. If I can do it, ANYONE can. I was 30k in debt after my divorce, and he wasn't paying child support (never did). I made it my goal: if I can't pay cash, I don't get it. I managed to become debt free, get my health and dental health in order and completely paid off, and save money besides. I now live in Europe (remarried) and though we haven't bought a house here, we are living minimally in a tiny apartment so we can save for a house. We never buy new cars (even if we had the extra money, I wouldn't - they lose value the minute you drive them off a new car lot!). We lived for 3 years without a car because we could easily rely on public transit in the city we live. When you keep the mindset to pay cash for everything, then life makes things happen that you couldn't have planned. It's a type of grace. So I don't buy people's excuses. It is possible, no matter where you live.
Wow! How encouraging!
You are such an inspiration!!!
You are to be commended! A model example.
Unbelivable. That takes a lot of strings and patience.
It's so refreshing watching videos on families living debt free. I found you from your first debt free video. Definitely think it's a different mindset to live debt free but its totally worth it and freeing 😊 We moved from Cali to GA just to live debt free and it was worth it! Taked care!
FOOD by Lyds refreshing on UA-cam too as there is such a spending mentality!
@@stephaniegg4035 yes I completely agree and I'm learning that a lot people are in debt because they don't realize that living debt free is a thing so these types of videos are awesome to educate others =)
An $80,000 first time home is something alot of young couple will not settle for! Used cars you may have paid cash for really helps keep debt at bay, too! I love your original story about how you paid off your first home in five years! It drew me to your channel, Lisa! Love , love this video also! I love your new farmhouse! Thank you for sharing your story! And I love your mindset about only renovating things you can pay cash for! Its so inspiring! Its refreshing! And people can move if they live in expensive part of the country. Thanks for your help, Lisa!♡
Yes. I agree. I think we (myself) included need to take ourselves down a peg on what is "accepatable"... I think we want what our parents have but we do not remember thier beginning where they did drive beaters and lived in humble homes/apartments.
One thing is we didn't have Instagram and Pinterest back when we bought our first house. Maybe that's why it was easier to buy a junk house back then.
Ditching The Grind 3 yeah, kids these days think they have to start off with the full Monty. They don’t realize you have to work your way up. Home, car, job etc. That’s why they get themselves in trouble. This is wonderful. I wish schools taught financial responsibility courses in high school and even middle school. They did when I was in school. I’m 52.
Lol 80k home? This year 2020, unless you live in Detroit ghetto. Cheapest Homes in popular cities where everyone moving to are going for over half a million dollars if it's on the market and townhomes are over quarter million for 2br 1bath.
Same it was the old mortgage free video on the first home that brought me here
I just wanted to pick up the phone and call you after listening to this video. It was excellent. My husband and I live in Hawaii, one of the most expensive places on the globe and yet we are debt-free because we choose to rent an 800 ft.² cottage, we wash our own dishes, we have two older vehicles, but have a handsome savings account and owe no one, and it’s because we choose to live within our means. I completely agree with you that nothing is worth having if you have the burden of owing someone else. Americans are often just too spoiled and do not know how to say no to the things they want. Anyway, you & your husband have made some wise choices and I’m so happy for the way God has blessed your family.
Thank you for sharing your story. I know money is a touchy subject, and despite possible negative comments, you posted this video in hopes of helping someone. I appreciate that very much ❤
+
It’s a life policy that more people should follow 👍👍
I am 67 yrs old & can tell you that what you & your husband are doing financially is awesome. I wish I could go back & have a do over. God is blessing you because you choose to be a debtor to no man and that is pleasing to Him!
thank you!
We are a family of 18. We live debt free too. Well done. Blessings to your family xx
I love how you bring up the self discipline that the debt free journey brings. You really do build that!
It is absolutely not by luck that you are where you are. It’s because of your discipline and hard work, and God blesses that. My husband and I got married with no student loans, and still managed to dig ourselves into a debt hole after marriage. Thankfully we discovered Dave Ramsey and are now debt free except our mortgage at age 24, and hopefully will be where you are in 10 years. But the point I am trying to make is that you and your husband are where you are because you honored God with your finances and made good, responsible choices!! Well done!! That is soo hard to do in this culture! Kudos to you and your family! You deserve all this success you have ❤️
This is FABULOUS!!! I agree with you fully! No debt…. You all are a breath of fresh air!
My daughter is doing this! We don’t do debt ever even for a house. Never borrow for anything.
Hi Lisa, You and your husband can
feel proud that you have managed
to pay off your mortgage for your
beautiful farmhouse. A delightful
place for your delightful five kids
to grow up in and have loads of
fun. Hope your family have many
happy and fruitful years living there.
This is amazing and so reassuring to me. My husband and I had been debt free since the day after we got married until we purchased our farm/home.. We used our wedding money to pay his truck off. Now we have a loan out to pay for our farm, which we hope to pay off a lot earlier than planned. Thank you for opening up and sharing, it's super encouraging to hear from someone down to earth and humble!
You guys will do it! You are well on your way.
WOW, I love this video, may God continue to bless and protect this wonderful family of yours.
Be encouraged everyone! You can do it too. My husband and I had debt when we got married. Paid off $80K in 24 months and are on track to pay off our house in 4 years. It can be done. Live below your means, increase your income and throw the free money at the mortgage until it is gone.Thanks for sharing!
You pretty much outlined the basics. Living debt free is definitely a beautiful discipline that many don’t grab hold of. We are a debt free family and I won’t trade the PEACE of MIND for nothing. You just need to WANT this life.
Yes I totally agree. I have no debt. No dishwasher. No mortgage. No car payments. Don't want any of that. Don't need to go into debt to impress others.
Thank You. I am 100% on board. This is a message a lot of people not only want to hear but need to hear. It is so satisfying and freeing to live a life without debt.
🙌
I agree with this(: there's nothing in this world we'd want so badly that we'd go into debt, ever again!
My husband and I have done the same. We save and buy with cash, including our homes. We married later- I was 28 and he was 32. And, no- we were never previously married. It just took us a long time to find each other. 😉 Our personal thoughts, for ourselves, is that God gives us what He believes is enough and we respect that. We don't have the newest trends and don't update to keep up with the times. Our goal is function, clean, health and comfort. There is much peace when there is no financial stress. I know we have been blessed and I don't take that for granted. But, we have also worked hard. I completely understand why you come across as apologizing. I never tell people our choice to live debt free, but if a friend might make a comment and say something about our mortgage- I am honest and say we don't have one. I have had a friend get very angry at me and say It isn't fair I don't have bills like they do. I nicely reminded her that I also don't have the nice things that they have the bills for- that it is everyone's personal choice and neither one is wrong.
Great explanation, you and your husband are so mature. I say this bc with today’s mind side is instant gratification. Buy, buy, buy... and then when the bills start piling up, trouble. Money and overspending are the most high on the list for divorce. Love your home and attitude 🇺🇸🙏🏻💛🧡❤️
*mind set
This is awesome! Not sure why people disliked?! 🤔 Spread the word everyone and teach your kids and loved ones to stay out of debt. It does bring great peace. We paid off our house almost five years ago. It's been great!
So happy that the floors are beautifully restored, and walls are painted. I prayed for you, and the old house, as I know so many others were praying too! This is true Wisdom! Thank-you, Konstance
*True financial freedom!!! Thank you so much for sharing your wisdom!!! We really appreciate your channel! So much value!!!*
Preach Lisa, preach!
Its blessing to listen to Young ppl who are smart with money
Thank you so much for sharing your story! We are debt free also and I find that people just aren't willing to sacrifice to make that happen. So many of us view luxuries as necessities and think that we have no choice but to go into debt to obtain these things. You did a great job of explaining the mentality that is required to get here. Keeping your eyes on the prize and never compromising. Also, don't compare yourself to what you think others have. Comparison is the thief of joy - and the reason that so many people choose debt over financial freedom. Thank for being the voice of reason that they need to hear! 💕Robin
When I got married we had no debt. Unfortunately my husband was loan happy.. He had just paid off his student loans, we paid cash for all of our wedding expenses, and took a very cheap honeymoon. What I didn't realize was that my new husband believed that if you needed extra money, you borrow it - after having kids we ended up going deep in debt and still buying a house. Going into marriage debt free didn't mean we lived debt free. We spent money badly. THat is why we were in debt. Kudos to you. YOU are doing it right so please don't apologize. We need more role models like you. BTW- after 42 years we got a divorce. He is still deep in debt and I am not.
I love how calming your videos are and great content too :) xx
I respect your self discipline. I totally agree with the no debt mind set, I myself also have this rule, as I was growing up in hard times in the seventies and my dad's advice was don't do debt, in the case of a mortgage pay it down as fast as possible, which I have done with my husband. We also did a lot of do it yourself repairs and improvements on the house. Now in my sixties I am grateful to have no debt and have a healthy savings and investments. Although we have a lot of medical expenses as my husband is terminally ill, my priorities are to keep the savings topped up for this.
Even if you guys had of had debt, your mindset not to get a more expensive home, finance, cars, and send your children to expensive schools etc, is the reason that you all are winning with money. You all made good choices it was not luck but living life by design... And guess what we all can choose what we want our lives to be and make decisions that bring us closer to our goals everyday.
Lovely lady you are debt free and living your BEST LIFE RIGHT NOW!!! May God continue to bless your family!
Thank you!!♥️♥️
This is great. We are debt free (except for our house). I have been following Dave for a couple of years, and he's had a huge impact on us. I am from Australia, and our house prices are very different here. It is impossible to buy a house for cash, unless you live many hours away from a capital city. We bought a small un-renovated house in a great school zone, and we are now saving to renovate while paying extra off our mortgage. The house cost us about 7x our annual family income. Most families in this area have houses twice the size, and twice the mortgage debt. My husband and I have no interest in upgrading!
It's amazing to be debt free. We have been (not always), but we made up our minds when our children were small, if we couldn't pay cash, we didn't need it until we had the cash. We came through the recession in the 1980's w/that philosophy and it has served us well. So many people today think upon graduation from college they need to have a home that has everything they have ever dreamed of and and so on. We started out w/a "starter home" and when we bought our little homestead home, it was also a "fixer upper" that we did ourselves. My husband is very handy and can do anything, plumbing, wiring,, HVAC, carpentry, all of it. (he grew up on a farm). We did it the same way you did. NOW, after 52 years of marriage, we have our dream homestead...debt free. We raised our kids here and they helped to make this place a home too. We taught them early about money and how to live w/out debt and they all are married and debt free raising their families. This philosophy is one of the best gifts you can give your kids. You all are doing a fabulous job and I wish you wouldn't feel you have to apologize for the way you made your dream come true. Thanks for being real and being willing to share. It will be an inspiration to so many. Dave Ramsey is AWESOME!
KUDOS! Delayed Gratification pays off!
I love Dave Ramsey!!! Congratulations on your husband being able to leave his job, dream big we serve a Big God.
Thank you for helping provide hope that paying off a home and living debt free are actually feasible. We love Dave Ramesy and are trying hard to be financially responsible.
Videos like these really inspire me to keep doing what I’m doing. I make about $1,000/month right now and save as much of it as I can for this reason. This type of freedom is the dream. I’m excited to get there and grateful for all that I have right now. ❤️
I am so much older than you but you remind me of how people my age use to deal with finances. We never bought things if we didnt have money. Lay a way was how we bought something we really wanted. We didnt have credit card debt and we still dont. So many people want all the bells and whistles when they buy their first houses now and are not willing to put in the effort to achieve that over time. Well done you guys, i hope you inspire more younger folks to follow your path.
Wonderful!!! So many people lack the knowledge it's possible to live debt free. Lack of knowledge and not willing to not having what they want when they want has destroyed marriages and torn families apart. Keep telling your story to all who will listen. It's then their decision.
This is great. In California we don’t get to have luxuries of debt free living since a 1500 sq ft house is just under a million dollars. However! In saying that, this is encouraging to me to loving debt free in all other parts of my life that are more controllable like credit cards and then saving to pay cash for a new car!
I live in so cal, my husband inherited a single wide mobile home from his grandparents. We have not been able to buy a house even thought we have a good amount saved and both work full time jobs(not min wage). Houses where we live are 500K for. a decent one or 350k for a beat up one which is about what we can afford. Summers are rough and just had a baby so we've outgrown this place, its served us well for 12 years but its sad that we are sort of stuck here.
Woah you must be in SoCal or the Bay Area. We are in NorCal and it’s bad, but not THAT bad!
I can’t believe how expensive the West Coast has become!! My husband and I used to live in Seattle.. there is no way we could ever afford a house there now..I don’t know how the average family can survive. I live in TN now and you can have such a great life here on a minimal income, plus it’s beautiful!
We lived in SoCal in an 1100sqft house we bought in 2011 for 70K. It was a total fixer upper (but livable since we had a VA loan and the standards are pretty strict) and my husband had to commute to LA everyday but it was totally worth it and it’s completely possible to find a house that isn’t ridiculously priced they just may need work and you might have to commute. We moved to the South and sold the house for 170K last year which is still lower than many areas in SoCal.
I cannot imagine! Arkansas here... We live in over an 1800 Sq ft home on about 5 acres. We paid about $81,000 total, plus about $10,000 to renovate completely. I understand salaries are different here than Cali, but my oh my!
This is so on point. I have seen so many people think they need it all now instead of waiting and saving to have it. The choices you provide yourself by not having debt can make a huge difference in your life.
I love everything about this post!!! YES - y'all get it! Thanks for sharing.
As a young person I did get in debt. It was a struggle and I lived pay to pay. Then I just got determined to get out of debt. The hardest part is owning up to how much debt you have. Tracking every penny and cutting things I didn’t need. I wanted to continue to stay home with my three children so I opened a home daycare. Every penny I made went on the debt. In five years I was finally out of it. It was such hard work and never got back into debt again. Once you have the freedom of your whole paycheck you truly find out your needs and your wants. You are an inspiration to all who watch your videos. ❤️
that's amazing! there's nothing like debt freedom
I'm a Dave Ramsey follower. I haven't got a morgage, I bought a new car and paid it off in 1.5 years. I am not totally debt free, all of the time, but I do owe very little and pay my bills off almost every month. I'm older and retired so I do treat myself on occasion but we are in great shape. We paid cash for a land and cruise trip in Alaska, last year and travel without debt as often as we like. I do encourage young people to follow the debt free teaching. Both of my sons have only a morgage and their cars are paid for so I'm pleased that they are on the right path. Thank you for sharing and for encouraging others to see that peace of mind is worth going without things that you don't really need until you can pay for them.
Please don’t let anybody make you feel bad about coming into marriage with no debt. People like to poke holes into other’s stories to make them feel better about their own situations. Congrats! This doesn’t happen by accident or “luck”.
I love being debt free! When you brought up Dave Ramsey, I remember how he tells people to eat beans and rice until you can afford more. Great video Lisa 💯👍
My daughter is doing the Dave Ramsey way to become debt free. She went into marriage with a large amount of student debt with her Masters degree. They are working hard to be debt free. Spreadsheet to cross off debt. Glad you are sharing! It can be done even with children and daycare.
You are so young and smart! On my husbands 50th birthday we were able to be on the Dave Ramsey’s radio show and yell, “ we are debt free”! It doesn’t solve all problems but I agree it is a GREAT way to live! Love your videos!!
How fun! I love those debt free screams!
I actually love these type of videos! Maybe you could do one on ways that you save money around the house! And of course your cooking videos are my second favorite!😊
You're an inspiration especially to those who are just starting out. I don't blame you for not wanting to share too much private information. I feel just because you're on UA-cam, it doesn't mean you share EVERYTHING about your life! Thanks!
Mindset is everything! "Debt is not an option for us." Brilliant ☆☆☆☆
So wise, so smart, mixed with grace and humility. Wonderful advice and presentation!
Yes! This is how we live too, and it is so comforting to know that no one can take our house, cars, etc away from us! Thank you for sharing!
We will be paying our mortgage off this summer. I like to tell people the key is to have a goal, make and follow a plan. Your income and expenses control your speed of reaching that goal. The plan is what actually gets you there.
Choosing to not have student debt is a huge accomplishment in itself. Good work.
Glad to see that you're good at managing money. I know a lot of young people around your age that aren't. USA is so much in debit. Everyone wants everything now! God bless and continue your great video's.
Lisa, such a great video. Kudos to you and your hubby. The impactful lessons your kids will take away from the debt free life you guys are building is one that is priceless. Their futures are looking so bright for them😊💗
Dont apologize for being smart
Someone should be telling you how proud they are that you have chosen to live debt free and to forgo instant gratification! I am so happy for you and your family that you have chosen to be wise and do things the correct way, bravo.
I know the feeling that the world sends out that you are so lucky.....luck had nothing to do with it. You worked hard, you sacrificed and finally....finally you have achieved what you have been sowing into for years! Congratulations and may God bless you and yours.
Do not apologize you two made the commitment to have no debt and pay down your loans be proud
Awesome story! Don’t allow others’ opinion and negativity dim your light and achievements- no prefaces or apologies necessary. Even someone in debt and appreciate your journey and still to get there versus finding something negative to say.
Thank you!
Being debt free is freedom!! We have lived it and now teach Financial Peace. Good for you!! Congratulations! Saving for your retirement and kids college may be next. :)
Ditto - I also first found you from your debt free video about the Boone House. Congrats to your family!
Thank you for your video, good ideas to use, and your right just because your a stay at home Mom doesn't mean you have a ton of money. We've been accused of that many times.
Thank you for sharing your private story. Finances are always so tough to talk about. I admire you tremendously. Its about bein't determined and making the decision to live below your means. It is not easy but very rewarding. I was left as a single mom tragically when I was pregnant with my third child. Had been in a home we purchased for one year. I paid it Off Alone in 15 years. We did without a lot no cable. No eating out used clothes old cars. But then I helped my children buy cars when they were teenagers. Helped them with college . It's definitely gratifying and more people need to hear that it's possible
Wow! You really did so well.
How I wished I would have had this kind of inspirational story when I first started . Now 44 years old and trying to go back to simpler ways. And yes trying to scrape away at our debt. I wish I had your view on house buying at the time I started. Now I want to get out of this monster. No need for extra square footage! Just a bunch of emptiness! I hope this speaks volumes to young people trying to get into their first home.
I feel the same way!My house is a monster😟
I am 61 and my husband is 65 we have always lived that way you are on a great way to live god bless you
Student loans are a Choice people make. They need to take responsibility for that. I got my R.N. Degree thru a 2 year community college program when I was 30 years old. You don’t have to get a 4 year degree if you don’t want debt. It’s a choice! I drive a 21 year old car even though I can afford to pay cash for a new one. I sold resale items on eBay to help us pay off our 30 year mortgage in 10 years. We live modestly. It’s a choice. Young folks need to learn they can’t have it all. You are so wise! You deserve your success-it wasn’t handed to you. Blessings.
I think some people dont know or get told that option. Debt is "normal" and that's CRAZY!!!
Don't let those people make you feel bad or guilty because they are justifying their spending habits. We got married without any debt too and we still ended up with a ton. Things happen and everyone spends differently. Debt is debt, doesn't matter where it comes from.
I just wanted to say thank you .Without giving us the numbers, the way you put things into perspective is kind of a wake up call. Honestly we were so close to purchasing a house right at our max fortunately someone outbid it from underneath us. You're so right don't buy anything you can afford.
I'm so happy it was helpful to you!
I know you mentioned this but in the UK that beautiful 'cheap' $80 000 house would cost around $800 000. Your story has no relevance what so ever in the UK. You are lucky to live where you are, that's it really.
I am of the same mindset, but my husband is not. Very hard to compromise. But I can say for the past 5 years, we have had no credit card debt and my car is being paid off in 2 months. Unfortunately, my husband then wants to buy an new ( used) car, so we will probably start all over with his car. I also must add that we are both retired now, and live comfortably with just our social security monthly. I do what I can.
Great job, and thank you. I love hearing people who understand the difference between needs and wants.
We love the Biblical principles Dave Ramsey teaches and we also live by them as much as is possible. It is so great that you two figured this out, adopted these guidelines of living within your means and not having to have immediate gratification so early in your lives. Thank you very much for sharing this with others. It saves so much stress and heartache to use this financial philosophy. Praying blessings continue for you and your sweet family.
I watched this again. I love when you said that you would rather wash dishes by hand and have no air conditioning than be in debt. I think that lack of NEED is a big part of it. You are a couple who can truly do without to obtain what you want. I’m just so impressed!
Living within your means was never taught us. We just paid off my husband’s student loans because a dear relative left an education trust to us. We both had student and credit debt when we got married. Our first home we had a nasty surprise and needed a new roof ASAP, it was leaking on top our fireplace, our bathroom and our bed. So we also have an HELOC as well.
Now- we can’t even afford to rent an apartment. We were willing to sell if it was better. We live in an area where renting is more expensive.
We are determined to get debt free. A friend turned us to Dave Ramsey as well. We are SUPER tight (sometime we literally barely can buy food, others we only have 29 cents to pay towards debt), but so far only Mortgage and HELOC left! Soooo exciting. It feels so liberating to get it gone. I never realized how STRESSFUL it felt to be in debt. It worried me so much more than I realized it till some of it was gone.
Congratulations you guys! Keep it up! And let’s continue to encourage our friends and family to strive for debt freedom!
How you started is basically my wife and I's story. I've ways been uncomfortable with debt and look forward to knocking my mortgage out.
We bought a house on foreclosure on 2010 for a ridiculous price and sell it for 3 times more than the original amount and thanks to that now we are building our farmhouse MORTGAGE FREE AND DEBT FREE! And it’s awesome because thanks to that we have the freedom to buy everything in cash and no have debts or mortgage!❤️
What an amazing story! How awesome!
This is what has drawn me to your channel...debt free living :)
Thank you for sharing your story! 💕 My hubby and I are debt free, it's amazing! It is true, you have to change your mindset. It motivates you! Budget your money, live on less than you make, 0 balance your paycheck. Look at your numbers and live accordingly! Bless you!
Yes!! So freeing isn't it?!
I am so impressed you both had the sense to live within your means.More so as you have the ability to have your children around you and live happy successful lives without worrying about debt and the pressure that causes.Well done to you and your husband for sticking to your values and making sacrifices for the greater good of your marriage and family.☺️
I am so glad to see this video. I am currently taking Financial Peace University because I wanted to learn what he had to say about insurance, investing and giving. My husband and I were pretty much of the same mindset When we married he had a small amount of debt and a small car loan. We weren’t making that much but we knocked out the CC debt in a couple of months then made double car payments and knocked out the car loan about 6 months later We built a good, basic 1400 sq foot house and moved in a few months before our first child was born. Since then we have raised three sons, sent them to college, bought several homes and are currently raising two of our grandchildren. We have no debt, no car payments, no mortgage and are those every day millionaires I am so proud of you and your husband Debt makes you a slave
This is amazing! We're starting to share our debt-free journey as well, but we're right in the middle of it. You're so right, it is very individualized, but I don't think that negates your experience or your ability to share. Thank you!! -Jenn
Sunshine Farm Hey you! I see you everywhere! 🥰
@@lilaccottage5885 Hey girll!!
You are absolutely right, prioritizing expenditures is vital. Yes, if you need a new roof, or gutters or broken windows, these must be replaced immediately for safety and security. But having an outdated kitchen, no doors on cupboards, flaking paper and paint (as long as not a danger to children) is not the end of the world.
Having the latest phones, the latest games and game machines, eating out every week, new cars every 3 years, vacations on ships or in lavish hotels are not a necessity.
Well done! You both should be very proud of what you have achieved at such a young age, but also being cognizant that not everyone has the same opportunities.
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I love of all of your videos, but this one ranks at the top. I have no doubt that by sharing what you did you helped an enormous number of people. Thank you for your honesty and humility. Beautiful!
Thank you!
Living within your means...yes, good for you!
What a blessing for you guys!. We just bought a home in California and we heard good and bad comments “you have a good job” it’s okay but we saved for a few years. “what about a new car for the wife and kids” the old are running fine“ At the end of the day we just work and try to live a healthy and debt free life!. So congrats to you guys and thanks for the video!. You guys are doing awesome!!. 👏🏻
I needed this motivation to keep going on our journey. We're at the beginning, but we're committed to creating a new legacy for our kids. Thank you!
Your hard work and lifestyle is inspiring, thank you for sharing your journey and doing it with so much understanding and grace.
Great video. I watched it a year ago when you first posted it and I thought what an amazing feeling it would be to live debt free. By no means is my family anywhere close to having our house paid off but I am seeing the light at the end of the tunnel. We are so close to having all medical bills paid off from having our children and also due to having to have a couple extra surgeries after giving birth due to complications. Also our credit card debt is almost gone too. I can’t wait. It’s such a freeing feeling. Thanks for the motivation.
It's so nice to hear a young family talk about being debt free! It's not the things we possess that make us happy but the time we spend with the ones we love! Proud of you and the values that you are teaching your children.
Thank you for sharing. When my husband and I got married, 20 years ago, we had student loans, car loans, and absolutely nothing. We are now almost out of debt, including paying off our small, humble home. It's taken a lot of work and sacrifice though. Especially because I have been home with my kids full-time, then part-time for many years now. We hand wash dishes, drive older vehicles, and do not go on a lot of vacations (my kids hate travelling so that is mostly why) But living this way is worth it , I do not regret it at all. =)
p.s---we need to do a kitchen and upstairs bathroom reno very badly, but like you, we too are waiting to be debt free =)
Good for you! Stick with it. It will be so worth it. Plus you are teaching your kids a valuable lesson.
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You all are well on your way, especially with that mindset!