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!
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.
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.
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.
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.
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.
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 =)
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.
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 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.
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!
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 ❤️
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 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!
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!
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!
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 🇺🇸🙏🏻💛🧡❤️
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
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.
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.
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!
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.
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.
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.
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 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!😊
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.
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 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.
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!
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.
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. ❤️
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”.
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.
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😊💗
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.
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.
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 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!
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!❤️
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!
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.☺️
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
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.
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
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. =)
You guys are awesome living debt free! I can't wait to have no mortgage one day. We paid off all of our non-mortgage debt last year and it is extremely freeing already. I would never go back.
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.
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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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.
So refreshing! Young people today (high school/college age) should be TAUGHT these principles! As for a new car....I would advise you never buy one. Buy a newer used car...but never new. They depreciate the minute you drive it off the lot. My dad sold cars for 35 years...and that would be his advice (if he were here to give it).
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.
GREAT GREAT GREAT VIDEO! You don't have to give numbers, because you're teaching a mindset and that's what's important. Everyone's numbers and situations will be different. Did I say GREAT video?
Wonderful video! Debt free living does not happen without hard work and discipline! You and your husband should be proud of yourselves. You don’t need to be apologetic at all, but I do appreciate how humble you are. The real benefactors of your lifestyle are your children who are growing up in a household with less stress and more time with you!
I laugh when people justify buying a new car on the basis of safety! Used cars don't have a to be beaters and the most important factor in car safety is the driver of the car! Drive carefully and defensively and the odds of you getting into a major life threatening car crash is very low.
You and your family are such an inspiration to so many, Lisa. I love your mindset and way of life. It’s perfect... We didn’t have any student loans but we had a car loan through the business, and a mortgage. the van was paid off and we bought a secondhand car when we had our first child on a personal loan. We paid it off as quickly as possible, and we are currently 22K ahead on our home loan with 117K owing. Hoping to have it paid off within the next 2 years. We’ve also renovated our laundry (extension) and kitchen in the last few years and have never gone without. God is good.
I fully believe in thinking and spending the same way. I have no credit cards...none, and I have 3 kids. My car is paid off and I put as much as I can towards my mortgage each month and it feels great.
Thank you for this! We put our daughter in preschool ( private ) and payed cash for the first year! Some of my friends were shocked. it doesnt matter how big your house is or the car you drive.( unfortunately my friends have 5 bedroom homes and the same Chevy Tahoe) 🤣We put our money towards savings and our babies! I drive an 17 year old Van in great condition and still runs great!
Yay! Congratulations! Love debt free living. We're working on getting out of debt and plan to buy our next house with cash. Thanks for sharing part of your story.
Very inspiring and would love to try and achieve that, but it would be almost impossible here in New Zealand. 😞 To buy a 4+ bedroom plus an office space will cost us well over $700,000 (to fit a family of almost 9) With no deposit there’s no chance to even get into the market without God working a miracle. But go you! Being debt free is a huge thing for us.
This is such an inspirational story. I love you and your family. You’ve definitely have inspired me to stop when you’re submerged in all the hustle and bustle and just appreciate what I have. Thank you for this video!🤗💕
Loved this video I have had debts all my life ,a year ago I had two strokes I can still function but I have expressive disphasia which means I can no longer work. I recently sold my cottage and bought a smaller cottage and I payed off all my debts the peace and freedom I have now is amazing . I have learned to be content with what I have now. I know this has had an impact on my four boys as they can see how happy I am and they are saving for what they want rather than going into debt. I always quote Dave Ramsey's quote live today like no one else to live tomorrow like no one else .
We’re in a starter home right now that we bought on auction. So grateful! When we first got the house we paid cash thanks to family loaning us some money. And now we’re fixing it up and living cheaply. I really think simple things like watching your grocery bills and online spending helps so much.
I’d love to be friends with you if you were local! No one shares the same views as me when it comes to finances. I’m 29 and also debt free. I paid off my $214,900 home in 4yrs, 7mths. My friends always ask how I did it and when I mention the sacrifices, they can’t wrap their head around living within their means.🤦🏽♀️
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!
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.
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.
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.
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.
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
It’s a life policy that more people should follow 👍👍
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.
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 =)
I love how you bring up the self discipline that the debt free journey brings. You really do build that!
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.
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!
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.
We are a family of 18. We live debt free too. Well done. Blessings to your family xx
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.
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.
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 ❤️
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.
🙌
WOW, I love this video, may God continue to bless and protect this wonderful family of yours.
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!
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!
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!
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
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
I love how calming your videos are and great content too :) xx
KUDOS! Delayed Gratification pays off!
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.
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.
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!
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.
I love Dave Ramsey!!! Congratulations on your husband being able to leave his job, dream big we serve a Big God.
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.
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.
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 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!😊
I love everything about this post!!! YES - y'all get it! Thanks for sharing.
Choosing to not have student debt is a huge accomplishment in itself. Good work.
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.
Mindset is everything! "Debt is not an option for us." Brilliant ☆☆☆☆
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 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.
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!
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!
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.
So wise, so smart, mixed with grace and humility. Wonderful advice and presentation!
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 am 61 and my husband is 65 we have always lived that way you are on a great way to live god bless you
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”.
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!!!
Ditto - I also first found you from your debt free video about the Boone House. Congrats to your family!
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😊💗
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.
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.
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.
Do not apologize you two made the commitment to have no debt and pay down your loans be proud
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!
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!
Great job, and thank you. I love hearing people who understand the difference between needs and wants.
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!
This is what has drawn me to your channel...debt free living :)
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.☺️
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!!
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.
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
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.
🧡
You all are well on your way, especially with that mindset!
You guys are awesome living debt free! I can't wait to have no mortgage one day. We paid off all of our non-mortgage debt last year and it is extremely freeing already. I would never go back.
A Lot of humility here... Thank you for sharing.
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!
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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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.
Love your mindset! Extremely inspiring
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!
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.
So refreshing! Young people today (high school/college age) should be TAUGHT these principles! As for a new car....I would advise you never buy one. Buy a newer used car...but never new. They depreciate the minute you drive it off the lot. My dad sold cars for 35 years...and that would be his advice (if he were here to give it).
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.
GREAT GREAT GREAT VIDEO! You don't have to give numbers, because you're teaching a mindset and that's what's important. Everyone's numbers and situations will be different. Did I say GREAT video?
Thank you for sharing about your journey and your priorities.
Wonderful video! Debt free living does not happen without hard work and discipline! You and your husband should be proud of yourselves. You don’t need to be apologetic at all, but I do appreciate how humble you are. The real benefactors of your lifestyle are your children who are growing up in a household with less stress and more time with you!
I laugh when people justify buying a new car on the basis of safety! Used cars don't have a to be beaters and the most important factor in car safety is the driver of the car! Drive carefully and defensively and the odds of you getting into a major life threatening car crash is very low.
Girl be proud! This video will help so many! 🥰
Plants and Passion, AREED!
Well done Lisa!!!! I agree all of these .God Bless you and your Love ones🤗💞
You and your family are such an inspiration to so many, Lisa. I love your mindset and way of life. It’s perfect...
We didn’t have any student loans but we had a car loan through the business, and a mortgage. the van was paid off and we bought a secondhand car when we had our first child on a personal loan. We paid it off as quickly as possible, and we are currently 22K ahead on our home loan with 117K owing. Hoping to have it paid off within the next 2 years. We’ve also renovated our laundry (extension) and kitchen in the last few years and have never gone without. God is good.
You are well on your way!
I think you specifically are debt free because you are smart with your money and live simply and that helps alot. Thanks for sharing your story.
I fully believe in thinking and spending the same way. I have no credit cards...none, and I have 3 kids. My car is paid off and I put as much as I can towards my mortgage each month and it feels great.
Starting debt free is something to be proud of!!! Your mindset is EVERYTHING!!!! Thank you for sharing!!
Thank you for this! We put our daughter in preschool ( private ) and payed cash for the first year! Some of my friends were shocked. it doesnt matter how big your house is or the car you drive.( unfortunately my friends have 5 bedroom homes and the same Chevy Tahoe) 🤣We put our money towards savings and our babies! I drive an 17 year old Van in great condition and still runs great!
Yay! Congratulations! Love debt free living. We're working on getting out of debt and plan to buy our next house with cash. Thanks for sharing part of your story.
It's what you do with what you make that counts and both have to share the same goals. I'm thankful you two have that ❤
Very inspiring and would love to try and achieve that, but it would be almost impossible here in New Zealand. 😞 To buy a 4+ bedroom plus an office space will cost us well over $700,000 (to fit a family of almost 9)
With no deposit there’s no chance to even get into the market without God working a miracle.
But go you! Being debt free is a huge thing for us.
Wonderful! Thank you for focusing on mindset not individual circumstances. I hope to follow in a similar path!
Not chance or luck! You've work so hard! You deserve all of that! You've start your life debt free...thats the matter!
This is such an inspirational story. I love you and your family. You’ve definitely have inspired me to stop when you’re submerged in all the hustle and bustle and just appreciate what I have. Thank you for this video!🤗💕
Loved this video I have had debts all my life ,a year ago I had two strokes I can still function but I have expressive disphasia which means I can no longer work. I recently sold my cottage and bought a smaller cottage and I payed off all my debts the peace and freedom I have now is amazing . I have learned to be content with what I have now. I know this has had an impact on my four boys as they can see how happy I am and they are saving for what they want rather than going into debt. I always quote Dave Ramsey's quote live today like no one else to live tomorrow like no one else .
I love this. I will be watching over and over.
We’re in a starter home right now that we bought on auction. So grateful! When we first got the house we paid cash thanks to family loaning us some money. And now we’re fixing it up and living cheaply. I really think simple things like watching your grocery bills and online spending helps so much.
Nice! You will be so glad you stayed out of loads of debt. It is so worth it!
I wish I could double like this. Thanks for sharing. My beliefs totally align with yours
I’d love to be friends with you if you were local! No one shares the same views as me when it comes to finances. I’m 29 and also debt free. I paid off my $214,900 home in 4yrs, 7mths. My friends always ask how I did it and when I mention the sacrifices, they can’t wrap their head around living within their means.🤦🏽♀️
that's amazing that you did that even when no one else understood!
What a great heritage ! Being joyful about it is also a great principle . You have over come the mandate to keep up ! What a great place .