Life After Paying Off Our Mortgage 3 Years Ago!
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- Опубліковано 23 сер 2024
- In this video we give an update on what life has been like since we paid off our mortgage and became completely debt free.
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I bought a new home in October 2020, have a 15yrs loan, and my goal was to finish paying off in 5 years...now after almost 3 years, working 6-7 days a week and lots of sacrifices...5 more months and will get my goal completed 🎉
Congrats!!! 😊🎉
You are an inspiration ❤
🙌🏾
Did you pay it off?! Congratulations!
That is great! Congratulations 🎉🎉
We're paying ours off tomorrow, the minute the bank opens 😮💨🥳👏🏻 thank you for being so incredibly inspiring!!
That is awesome!!! If you ever want to share your story on our show to inspire other send us an email to info@hisandhermoney.com.
Congratulations on your hard work!
My wife and I's monthly payment was $2415 month. We would pay an extra $500 a month towards the principal. We currently just refinanced to get a lower interest rate and to get off of PMI. Our new monthly payment is $2915 a month. We plan on still paying $3700 a month but are now going to do bi-monthly payments.
making the payments quarterly, in addition to adding, a payment each month and watch how fast the payments begin to drop on your amortization chart. I've got one more year after starting about a year ago. The timing of the payments is everything. This is the only thing that they all leave out when doing the videos.
One part of this vid that I do like is the idea of not taking on a large debt in the first place. I think there should be a balance between the amount of debt you incur and the amount of cash you can invest. I would rather have a $1000 house payment and $1000 going into stocks than a $2000 house payment and no stocks. If you have cash and you’re confused I will suggest you contact a finance advisor
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
The decision on when to pick an Adviser is a very personal one. I take guidance from Sharon Ann Meny to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
I'm a white city cop, and the looks I get while listening to you guys while driving in my cruiser is quite funny. Love what you guys are doing and I'm adopting your principles....35k left on my property, gonna rent it out afterwards and buy another to repeat the process. God Bless and Godspeed yall.
You have the authority to kill a minority. That's why. Ice cube..
Man listening to my people talk about this type of freedom is more encouraging than anything else.
I promised my wife I am going to pay off our house, and this gives me even more encouragement. By Gods grace soon enough
We are cheering for you guys!
We were able to pay off our mortgage! We are 33! With 2 kids! This has been our goal since day one and now we are starting the journey for investing our extra income!
We are so proud of you!
I just paid of $158k in student loans, and another $74 consumer debt. My last debt is the house, but now having $almost 5k expendable income, I can put all that toward my house.
Hey His and Her money I've got some great news, I just paid off my newly revamped house in full early March of this year in 2023 at the age of 40 years old. But come next year in the month of March it will be only year since I've paid off my house, and as an extra added bonus is that I get to start my life all over again debt free for the rest of my entire life.
Hearing other folks being mortgage free makes me so happy. I close on my first house on June 9th and I’ve been binge watching videos of people getting mortgage/debt free. I wish you nothing but success my friends
We just closed on our first home today too and we are dedicated to paying it off in 5 years too! Good luck and God speed!
@@Carnelian21 And same to you my friend !😁
GREAT JOB y'all! I am almost to the debt free finish line....I have two cars paid off and have no credit card debt. I have paid my house mortgage down to about 30K and I am working HARD to pay it off in the next year. God has given me the ability to work hard and I am trying to be debt free. I am very proud of your accomplishment! I hope to be with you all soon!
We're 42k away in paying off our mortgage, yay! My husband and I are aiming to pay it off in 2022. 😊 I keep on watching videos like this to make me motivated all the time.
That’s awesome!! It’s worth it! The feeling is surreal when the day comes to make that final payment to the bank. Keep after it you got this!!!
@Nick Peroni• ±¹²⁵⁶²²²⁵³⁴⁹ I always say His, Hers and Ours. We still need to be our own person.
Can we get an update?! That's awesome
@@Josh-ii1eq As of today, 26k away to pay it off. Thanks for asking! :) I had to set aside a sum of money for a relative that I sponsored for a student visa so I didn't pay in advance as I used to this year. And for a 1.74% interest rate, I don't feel guilty as interest rates have gone up for real estate and I am pretty sure I don't need to refinance anymore. :)
Me too!
I am just starting my mortgage payoff journey. I set goal for 5 years or less. Walking by faith not sight. Keep the videos coming!!!!!
Debt free 1/18/18, mortgage free 12/20/21!!!!!! 1 whole year sooner than we had planned. It feels so surreal!!! Seeing your video of you two paying your home off really set it in stone for us to do the same. Thank you!
Thank you two so much for this video! I'm a 30-year old newly married man, and I've been following you guys for the last couple of months. My wife and I, both immigrants from Ghana, were raised in low-income households, and we both never saw much money in our upbringing. We're trying to break the generational cycle of poverty, and it's videos like this that lift up our spirits. God bless you for this! As we continue our own personal financial journey, we pray that your ministry will continue to prosper!
We did it!!! At age 40 my wife and I paid off our home in May! We were working on paying off when you paid off your home. It motivated us. It still hasn’t hit us what we’ve accomplished. But when we remember it an amazing feeling. I’ll never have a mortgage again. Thanks for sharing your paid off mortgage lifestyle.
We’re also 40 and about to pay off our mortgage this year. Also no consumer debt or car loans, it feels so good!.
God is so good. I know how impossible it is to pay off $330,000 in 5 years but with God anything is possible. He is so amazing. Thank you for encouraging us. More blessings to you and your family.
We are debt free also and it feels so good. It was a great struggle before but God saw us through it all
Praise God! I have always felt you were a true ministry. Your testimony is so powerful. Your works in Faith are tried and true! Hallelujah! Praise God! It is work it!
I watched the video when you paid off your mortgage and it lit a fire in me. I showed it to my husband and we began working towards achieving the same goal. I stayed in prayer and told God that if it's His will, please provide for us so that we can pay off our mortgage. I'm so happy to say that God provided and we are officially DEBT FREE, including the mortgage! We were blessed to pay off our house in September. We can't wait to see what God will do next! Thank you for your content and obedience! You are truly changing lives with your message!
Congratulations on becoming debt free! What a huge accomplishment!
Congrats!
Thanks to your videos l am now mortgage free and able to save. I have since taken early retirement and now doing all I've always wanted. Life is so good. Thanks again.
Barbara (London, England)
Simply thank you! This video came in at the right time. I was literally thinking about giving up because I can't see the return now. Everyone around me is partying and going on cruises and buying new cars and all I do is work and pay extra on my bills. I don't have no social life or no fun in my life. So i needed to see this video to give me that boost again. Thank you!!!!
You got this!
Stay encouraged.
I think it's important to have a little fun still. Celebrate in some small way. Life is short. Be encouraged 🙂
Keep going.
We are same but have £100 each a month so if we really want it we can. Helps us in our long term mindset so don't be afraid to set aside a small percentage.
I'm in my 30s and we've paid off two, on the way to paying off a third. I'm not a big spender, I pay down my debts just to have something to do... Like a Game.
I remember when y’all paid off your mortgage, y’all have been so inspiring and encouraging!!!! Congrats on starting a Church! Thanks for all the knowledge, God bless y’all 🙏🏾
I have been debt free for 4 years. I am so thankful! If the pandemic has taught me anything, it is absolutely necessary to GET out and STAY out of debt! I love being able to tell my money where its going, as opposed to debt telling me. God is good! And you're right, walking into a paid for house NEVER gets old!
Cutitout G. U are so right. I have two more yrs to go.
Thanks for mentioning that you no longer have to take money from your business to go towards your personal expenses. I’ve been balancing my business and my personal finances and it’s been such a challenge to grow because I would have to take profit and put it towards my personal expenses and I just thought there has to be a better way to do this. Now I’ve been realizing that I need to focus on my household money and debt in order to really focus on building my business without the pressure to need to make money just to pay myself.
Thanks for the inspiration.
Yes it is an intentional journey.
O.M.G, it been 3 years, mortgage free, Congratulations🎉🎊🎉. Thank you, for doing a update video. I watch All the videos you did about paying off the house, In the black community. I'm a young adult, Don't own a home yet, but, I'm preparing for it, taking notes an all. Thanks, this video was very inspired, I feel it in my bones. I too dream a pay full home in the future. 👍🏼🙏🏼
Oh My, Im in tears right now. I started watching you a little over 3 years ago and admired you from afar. I will come back soon and really post a testimony. When you said you all are starting a church I begin to cry because I saw this when first watched you. God Bless you both in ministry.
That's so incredible to hear! Can't read to see your testimony!
Wow 3 years already. This stuff never gets old. Love y’all
OMG, thank you!! Thank you so much for posting this video. This is only conformation to me that I am doing the right thing by working to pay my mortgage off in the next year. I came home from work to a notice from my mortgage company with my new balance. Then as soon as I open my UA-cam your video was the first one that I saw. I thank you for your wisdom and encouragement along the way, and yes the road has not been easy. It has been a lot of sacrifice but I know the reward will be great. Y’all just continue to be a blessing and may the Lord continue to keep blessing you. Your mortgage payoff video three years ago is what inspired me to take the leap to even attempt to pay my mortgage Off early. At that time I was just getting out of consume Debt and I thought to myself now what is next and that’s when I saw your mortgage payoff video. Who would have ever thought I would be saying I am $34,000 away from reaching that goal. To God be the glory.
Awesome! Keep going! You got this!
From Melbourne Australia
We borrowed 480k end of 2019. On track to pay it off by early 2027. Absolutely psyched and cant wait. Travel, experiences, a new car, new clothes, renovations. All the things we have been sacrificing. It will be amazing to be free from the shackles of the big banks.
Just bought a 427,000 home and I’m overwhelmed at the idea of paying it off early. Thank you!
You can do it!
Happy 3 Year Debt Free Mortgage Anniversary!!! Y’all most certainly CRUSHED IT!! I have been following for years! My husband and I are currently on our Debt Free Journey.
Yall got this!! We're cheering for you guys!
This is what more folks need to hear amen to his and her's for keeping it real.
Congratulations! I did it in 12 years but I am finally debt and mortgage free!!🙌🏻🙌🏻
Congratulations!!!!!
Very important: Do what you can do while you can do it!!! Great Statement!!!
These mortgage pay off updates never get old! Thanks again for re-inspiring us all!
I appreciate your faith and encouragement…”it WILL pay off!”
God bless you both
Thank you all. This is a positive message for those striving to be debt free.
We’re happy to inspire. Thanks for watching.
I did the same. I took a year break and spent money on whatever I wanted, mostly home improvements (within reason) while making sure not to take on any debt or long-term costs and continuing to invest.
This year I'm stopping that and throwing it all at a Roth IRA and my 401k.
Hey y'all congratulations to you both. So glad to see y'all embracing the huge win for your family. This is Nii Darko. Remember, we got the inspiration to pay off our $662k debt because of y'all.
About to pay off our home this year. Can’t wait to be mortgage free!.
Thank you! My husband and I just made our last house payment after 8 years and we were kind of feeling stuck like what do we do now??
You two are amazing! Yes, God will see you through if he is first in your lives!! I have been blessed to be debt free for many years now and was able to retire 10 years early. I have truly enjoyed my financial free journey and so happy to give to family and friends and organizations that are near and dear to my heart! Keep climbing you two!
God bless you both. My husband and I are about to close on our home and I’m so excited about home ownership and paying off our home. Thank you for sharing and inspiring.
Thank you so much! I did watch ur video years ago and it inspired me so much. Paid off last month! So glad as the interest rates have now sky rocketed. Grateful.
We are in the process of paying off our home and needed this motivation.
We believe in yall!
Keep after it. Enjoy the journey you will get there. It’s worth it!!!
@@wolfejar Thanks!
You both are such an inspiration and blessing. Thanks for the encouragement. I still can’t believe my husband and I bought a house this summer. And I told him that I want to pay off our hone in 5 years or less just like the both of you. I can’t believe how many months and possibly years are knocked off our mortgage just by adding as little at 10-20 bucks to the principal. Makes me want to continue to work when sometimes I don’t want to :)
Congratulations! I am striving towards paying off the mortgage! My short term goal is to get the balance to $90K by the end of the year! Not sure where all the income will be coming from but I am putting this out into the Universe!
Perfect timing on this content. I was intense last year and slowed down now, so thanks for the motivation!
Wow! I can’t believe it’s been 3 years already! I remember watching the video, crying and praising God with you 😂! I did my first mystery shop a few days ago! I’m coming with you ❤️ 🙌🏾!
Congratulations on being mortgage free for 3 years as well as on the church 🎉Being able to provide remote learning for you children for 18 months is a blessing
I’m debt free also, best decision EVER!
It's close for me now. I've got 8900 left to pay. It will be this year, I can't wait! It's with the help of god it will happen. Good luck with your ministry guys!. God bless to you!
That's so amazing!
190 down and 190 to go for us. Thanks for the motivation. Sometimes I wonder if I'm crazy but videos like this tell me I'm not the only one. Thanks
Me too!
You are marriage debt free goals. Thank you for sharing.The homelessness and rising cost in ALL the major cities watching that is scary and depressing, hopefully there will be a solution for them also. Question what do you think about the upcoming economic crisis and "food shortage " because of pandemic fallout. And good luck on the church you are starting.
This gives me hope. To have someone that is as committed or more committed than you to go down this path and I mean stick with you thru it all to get to this point. INDEED A BLESSING. Now I’m about to binge watch their videos because atp……..my life is a wreck on an epic scale
What did Chris Hogan always say on his show, "The foreclosure rate on a paid off house is 0!!!" 👍👍👍
Yes and Amen! Praise God for your obedience and consistency. You all are and have been such a blessing. What a priviledge to listen and learn from you. I know God will bless the church ministry that He has entrusted to you. God is faithful! Thank you for all you do.
So I am jealous! Also very impressed! That big bill every month hangs around your neck like a rock! I can feel your freedom and want that for my family! Good on you!
You can do it!
Bless you brother and sister !!!! Blessings for you and your family !!!
We’re also on the journey of paying off our mortgage early. Sending extra to the principal EVERY month. Love your story & your journey. I hit the sub button.
You got this!
this is very Inspiring. We bought a new house last year have 300 k left on loan we have built a very nice saving snot 300K though yet but once we hit that mark and have it will be only matter of time we pay it off. i dont want to drain savings but once we have 6 months emergency money. I can see it being paid off in 5 years pending nothing bad happens in future
I’ve been loving these type of videos. I’m debt free and have been considering what comes next for me. I really appreciate that your financial freedom led you to be able to minister more intentionally. That’s my underlying why. This video just made that click for me in my spirit. Thanks for sharing and congrats again!
I really like this video and y’alls success in paying everything off!! My wife and I are on the same journey, only another year or so and we will be debt free. I want to support your channel but I have issues with the whole church opening and treating it as if one day you want to make money. Churches should be non profit or for loss, seeing all these “preachers” or “people of GOD” all over America pretending to care about others feelings as long as they donate money! It is all for show, or should I say “money!” Don’t get me wrong it takes money to keep the lights on and the building safe for fellowship. Please don’t ruin Gods message with money. You should never make money spreading Gods word to help others. Good luck on your mission 👍🏼
Me and my husband have been paying off out mortgage, and it has been such a struggle..were down to our final 25,000... We also have 3 children and child care payments have been going up due to COVID..so we have not been able to give as much as were were before! Thankful and prayful that God will make a way out of no way! Thank you for the encouragement I needed it so bad 💝
In the words of Dori from finding Nemo. Just keep swimming, just keep swimming. 😀 you will find a way if you want it bad enough.
My wife and I paid our our home this past June. It’s worth it. You’re come so far and so close to the end don’t stop now!!! You got this.
I really needed this. Congratulations! Thank you for sharing, encouraging and providing motivation! 🎉🎊
Glad it was helpful!
I’m desperately trying to pay off my home but just got done paying cash for one of my child’s college and am in the process of paying my second child’s college now. I still pay extra as much as I can. Once my son graduates I will throw everything at my mortgage.
I’ve been watching you guys for over 6 years now. I was so happy for you guys when I saw that payoff video!!! I recently hit a goal of mine of saving 10k I decided to take a break this month only for saving for another 10k which I will start up again next month. Saving that money taught me alot about myself. You guys always motivate me I love you guys and I will continue to support
Love it..."Your Future is going to Thank You!"....wonderful testimony...God continue to bless you on all that He has in store for you...for God "KNOWS"...and certainly "KNEW" the plans that He has for you...Sweet Blessings to you, your family and your Future :-).
Inspirational for sure! Congrats y’all.
God Bless 🙏
Thank you so much
Congratulations 💜💜💜💜💜💜
It has to feel wonderful and may God continue to Bless you and your family.
Thanks for all your hard work towards being a Blessing to us.
Irving, TX
Awesome sauce!!!! I’ve been following y’all since the early Periscope days. So happy for all of y’all’s success. Congratulations 🎉
I can’t wait to have that feeling. Just subscribed and really appreciate you two sharing your story.
Thank you so much!!
I've been following your journey since before you paid off the house. Can't believe its already been 3 years! Love to hear that the feeling sticks with you
Thanks so much!!
I just realized we paid our homes off the same year! I paid mine off in August 2018. It is such a great feeling walking into a paid off home. Unfortunately, I seemed to go into overconsumption mode, acquiring things I ‘missed out on’ during the process. I am walking into 2023 with a perspective of saving and investing. So proud of you both!
How long did it take? How did you do it? Congratulations
This was dope, I'm in the fence about paying off the home. Once, I get to that part of my journey. Congrats.
Congratulations! That’s wonderful news. Thank you for the encouraging word, loving testaments. 👍🏾
Thank you! 🤗
This is so motivating. I had some challenges that set me back. Now I am encouraged to keep my financial goals alive.
You two are such an amazing and beautiful couple! I’m just starting my debt free journey, but I love people that inspire me to do better and you two have an aura that drew me in. Thanks for this outstanding video and I look forward to hearing about your journey going forward.
Inspiring, thank you for sharing your story!
Congratulations many blessings to you. I pray that you teach your congregation to be diligent and disciplined. Many many blessings to your family and the people you will touch and help build.
Happy Mortgage- Free Anniversary!!
Great job and good story fo revisit the feeling and results.
Congratulations to both of you! I paid my house off two years ago and love being free of that debt. I have more time and money to focus on other interests and pursuits and sleep much better at night.
That is awesome!
I have paid off my mortgage in 15 years, i only buy with deb cards, i have no creditcards or loans, and life is beautiful.
He is a good good father!!🙏🙌🏻
Very inspiring. Way to go!!
Thank you 😊
So much motivation- I use to wonder if this was possible
You can absolutely do it!
New to your channel and love it. Congrats on all of your success!!
just wired this morning the remaining 138k balance on my loan. Mortgage company already has it paid in full to my account. Feels great
GOD is good !!! Congratulations to you guys !
Awesome! We are also debt free, but your sharing is inspiring thousands. Keep up the great work 👍
Congratulations! Thank you!
We are on this journey now. Bought our house in 2017 ($259K), and on track to pay it off in 2025 which seems like FOREVER but we are staying committed! Every raise, every tax return, every every..lol is going to pay off this house. You guys were an inspiration a few years ago.
During the journey it does feel like a long time. Once my wife I got to the other side It’s not so long. It goes by faster that you think. The only regret you might have will be taking longer than if you would’ve staying focus and paying off the home sooner. You got this!
Thank you for sharing this. We are on the same journey. I am encouraged to hear this today. God bless you both 🙏
so happy for you guys
This is definitely inspiring and gives me the motivation to continue the journey. May God continue to bless you two and your children and your children's children. 🙏🏽❤
I remember that video when paid off your house it was priceless. It motivated to pay my off. I am now living in a Debt Free house praise God.
Thank you so much!
This is so encouraging. 2022 is the official start of my journey to Financial Freedom.
i am also debt free 4 houses and no mortgage and was able to pay cash for a new truck its a great feeling
Great Much blessings to you your family and your new home.
Awesome story!
I just have a couple questions if you don't mind me asking.
1. How much do you pay for your home/land/taxes now that your home is paid off?
2. Is it possible to actually ever own the land that your home is on?