Last week, I finished paying off ALL of my consumer debt!!!!!!!!!!!! I am so proud to have dug myself out of that decades-long hole. And I did it all by myself! Thank you BG, for keeping me focused during this final year. :-)

Budget Girl! My husband and I paid off our debt! $75k in 3 years!!! We’re so excited! You were a big inspiration! We love your videos!

Paid down my mortgage enough to get rid of PMI! So proud!

I finished Baby Step 1 and paid off 1of 6 credit cards💪🏼😃

I would love to see a video on scanning, safely storing your files digitally!!!!

I think the car parking space is not that expensive, surely it is worth every penny? $26 per month, hassle free and air con whilst in the car vs bike or walking. You worked very hard to be able to have these small life upgrades - enjoy them!

Yay to all those who are also debt-free!!!!

I started my Dave Ramsey journey August 2017 and have paid off all our credit card debt a total of $36,789 as of May 2018. Now working on the cars.

Can you PLEASE PLEASE PLEASE do another video/videos on your filing system and back up filing systems?! 💕🙏🏼 💕 I feel like this is DEFINITELY one area of my adult life in which I’m lacking! Would LOVE to know how you go/went about setting yourself up in this way to be prepared should another disaster strike! Thank you BG!! 😘

Living alone I found that I was wasting too much food. I tackled it head on, planning meals and shopping more often -- feel so much better not throwing money out on the trash!

Not a frequent commenter, but I lived in Texas once in the summer, girl..... pay the 310 bucks!

Yes please do a binder/file system video!!

Bit late, but I became debt free on 1st April. Your video helped loads! Thanks. Working on fully funded emergency fund. It's not as much fun. £27k in 16 months

My win this month was being able to cash flow a $600 class I had to take last minute. While I was bummed to not be able to put that money towards my debt, it was a great feeling to be able to find $600 in my budget (not even touching my emergency fund) with very little notice and to not have to stress about how I was going to pay for this class. Yay for budgeting!

I can't tell you how many binders I've started. Lost. Started over.

I would definitely be interested in seeing your binder system. Keeping finance paperwork in order is something I really struggle with.

Loved this video Sarah! Your positive energy radiates and it’s contagious. Thanks for sharing with us!

[Edits, as I reread this morning and realized I could improve my meanings, never write just as you fall alseep!] I got rid of my car in order to get a mortgage, so now I ride my electrical bike to work every day. It's 15 km (9,5 miles I think) and it takes me 40 min. I don't really know about extreme heat, being from Norway, but there usually was between 23 fahrenheit to freezing point (-5 celcius)[Edit: this winter], so I['m familiar with the other sort of extreme, not really extreme, living along the coast we never get the warm summer, or the cold winter other parts of Norway get]. Still I LOVE it. The 40 min gives me time to get my mind ready for work in the morning, and in the afternoon I get to distance myself and let my mind flow. Very 'meditational' and relaxing! There is nothing better than having that moment to relax and just dream. Would you be able to maybe drive during summer when it's the hottest, and then walk/ride your bike when it gets cooler?

Organization makes life so much easier!

I am all caught up on bills after being without work for 6 months. Now I am on to BS1, again.

One binder to rule them all. 😜

I paid off my car. The loan had a few years to go, but I decided to focus on speed paying it off.

For the parking, could you carpool with someone and split the cost? My dad was part of a carpool group for years at his work and it saved them so much money. I get not wanting to cycle in the heat. We've been up in the 90s this past month and it's been awful.

A parking pass at my work is $275/month 😳 Don't worry, I ride public transit!

Well, since you asked, parking here in Chicago can run anywhere from $30 for ten minutes, up.when my mother in law came down from Galena, we went to water tower. She paid a staggering $400 to park for 5 hours.not kidding. It's why we don't drive. Major cities,it's cheaper to walk,bike,or use public transportation.

Please do a full binder on the personal binder and your Katrina experience.

I'm happy I found your channel! You are always so positive and have amazing ideas. In November I found myself in $2,500 in credit card debt from spending my feelings which I've paid off and gone back and forth the last 7 years. I managed to pay it off by end of January and now have over $6,100 in savings. Wish I found your channel years ago but I'm glad I have now 😍 keep the great content going!!

Yes, please do a file video and thanks for the shout out...:)

Just graduated with my “debt free degree.” Paid cash for what my scholarship didn’t cover for my bachelor’s degree. No student loan payments for this girl!

Think of your parking daily price... That's under $1.25 per work day to park. Well worth $1.25 a day to not walk 2 miles each way in extreme heat!

We had to evacuate for hurricane Irma and have adopted a file box with our important info. No fun but taught me to be ultra organized!

Hi! Newer subscriber here. My husband and I just completed baby step 3 about 2 weeks ago! We are also planning on moving to a new state & have our moving expenses fund fully funded. We're currently continuing to build our house down payment fund before funding our emergency fund some more. Our ultimate goal is to have a year's worth of expenses/income saved in our emergency fund.

Wow! Parking is so expensive at your university! I only pay $100 per school year (not including summer parking). But I agree with you, it is probably worth the $310 lol

My husband pays between $22 and $50 per day to park in NYC. You're getting a bargain!

Your doing great. Definitely get that parking pass. You deserve it. The weather is crazy at times and that's not a lot of money for an entire year. Actually very reasonable. Rory would rather her mom be home more too! It's a win win.

As you know Sarah I have been MIA while making my way from one end of Australia to the other to live. The good news is it was all paid in cash and I have also made huge strides on BBS3..

I would not ride a bike in that heat--I can barely make it at work when it is 90 and humid. I can not handle heat and humidty anymore--I would talk to your doctor before riding your bike in heat like that. Also finally made home made sushi, it fell apart looked weird, but tasted great.

Credit cards paid last Feb. Car paid last May. Paid our last mortgage on June 2, for a lot we got 6 years ago. We are debt free!!! 🎉🎊😊 What a feeling! You are an inspiration! Thank you for putting out yourself for us to learn from. 😊

👍🏻😊❤️ Thank you for your awesome videos! And YAY to you for finding that $7 check!!!

parking is like 300/month (on the cheaper side) in Toronto ( if you are lucky to find a spot) or at least 100 / month if you rent someone's drive way in the sub-urbs. Hence the reason why I decided to not to own a car if I can help it lol

$310 is worth it! I live in San Antonio and I’m melting after 5 minutes of standing outside. It’s hot!

Not related to a topic discussed but I just learned something important when dealing with the passing of a loved one. a supreme court ruling in 1989 states you are not responsible for the deceased medical bills. No one will tell you this but it can be found and cited by doing a Google search.

Our parking permit is currently $296.00 annually, which allows me to park in any staff parking lot on Campus. They take it out before taxes, so it does lower my tax rate a bit. If I worked close to south Campus, I could actually walk to work, but that's a mile south. So, I suck it up and pay for parking - they divide it up monthly and deduct it straight from my check. It's definitely a painful amount. My paperwork is an absolute mess and at the moment, so is our home office. I won't be able to rectify that until my shoulder has healed from surgery. At least another month. This week hasn't been frugal, but I keep on pushing forward to lower monthly costs and thankfully my car will be paid off after August.

I did this recently too. It sure helps to know where everything is.

Always love hearing about your frugal wins and fails BG. Organisation is so helpful for keeping finances on track. In addition to the obvious knowing what money you have, I know that there have been several times in the past that I bought something only to find I already had it - just didn't know/realise I had it due to lack of organisation.

Thank you for the mention and fist bump. :-D So fun to celebrate all these successes.

My local welfare office wants me to do job training. Once I'm employed, and get paid, I will be saving almost every penny. Build up an emergency fund, in case we have to move. Sinking funds for our cat. Do some life upgrading, like new clothes, new bedding, chairs,that type of thing.

There you go 80.00 bucks you can use it for a water park planned trip...... In New York it's 50 bucks a day to park. You got his darlin

...consider it 'glazed'. Tips: Check your warranties when your equipment is faulty & getting a 2nd opinion is invaluable! Last week my 2013 GMC had 'free' engine overhaul at 4yr 11mo of 5yr warranty for: repeat cracked spark plugs (ceramic), backfiring and oil in engine (documented history & 2nd dealership opinion provided)(Savings = $4500) & House A/C had 'free' Freon re-charge at 18 mo of 2 yr warranty for defective cooling (documented history & 2nd professional HVAC opinion provided) (Savings = $600). It's worth it to maintain contact with warranty companies for life of warranty and keep note of expirations! k

I'm debt free: (except for house) Have 3 months salary in my emergency fund!

I don't blame you for deciding to skip Schlitterbahn. I live here in NB and I wouldn't go near it during the tourist season. My husband discovered a place in Seguin called Son's Island. We will be giving that place a visit when the tourist season is over. I believe you can rent a cabana for the day at $99. Not bad for water access around here. Have you considered a street legal scooter to help you get back and forth to work? I bet you could find a gently used one for what you pay yearly in parking for a car. I would also assume that parking a scooter would be easier and a lot cheaper on A&M campus. Just a thought. :-)

Frugal win for the week: I shopped around for garbage disposal quotes (ours has doubled to $37/mo) and found a service for $23/mo. I called to cancel and my current service offered me $20/mo and a free receptacle swap. Saving me $240 plus a free shiny new (Aka not 13yo and stinky) garbage can!

First time commenting but have been watching your videos for months. Great stuff. I recently did a Medical Trial and made $1500. Didn't grow any extra body parts and helped pay for a bill and 75% of my trip in July.

Paid off my loans - now beginning baby step 3!

Look into season passes for things like water parks good deal if you want to go more then a few times.

Baby step 1 completed, working on step 2 !!

PS- Since starting my DR budget in March I've paid off my car, a Care Credit card, my 1K Amex card & almost all of my 2015 Tax bill. WOOT.

I'm pretty good with keeping my admin updated. Your parking fee is ridiculous, I would consider cycling. Congratulations to all the accomplishers, great job guys. Greetings from South Africa 🇿🇦

100degrees to commute via bike or walk...helllll nooooo! Totally worth the $310!!

Would love to see more about your binder/organizational tips for financial papers, etc. 😊

You are like me! I get so excited when I find checks.

You mentioned paying for parking, I work for Michigan State University and get $44.50 deducted every month from my paycheck. That's an ouch of $534 per year!!! I feel your pain, but I pay for the convenience.

I just got under 30k in debt and got a 30% raise this month!!

I would love for you to show us your binder and how you organize it please.

Great idea publicly acknowledging the people who are celebrating their Dave Ramsey steps! 😀

I adore a taste tests. I did a focus group today. They gave me a visa card with money.

I work at the University of Iowa and pay $324 a year currently; but it will likely go up. I feel ya. We are INCREDIBLY landlocked. I have to ride the bus in about 10 minutes from the parking lot I park in to get to the hospital portion of campus where I work.

your positive energy is contagious and inspiring! great video!

We finished Baby step 2 and found out hubby had Melanoma (Cancer SUCKS!) So we now have a pretty good medical bill to work on BUT hubby is healthy and we will get this paid off too! Just gotta keep swimming as Dory would say.

My step-mom also works for the university in our city. She pays for section A passes because other wise you can't find parking. But she's a tenor professor.

That’s awesome Sarah! What are you using to upload your personal docs online? Just curious? I have a secure USB drive but haven’t figured out what to use that is cloud based and secure ❤️

The parking permits drive my daughter crazy, too. Especially the rule that they have to be out of their lot by 5:00 on Friday night if it is a home game weekend. She can also not park and go into work on Game weekend Saturdays... She was working on her PhD and running a lab.

Can you do a video on your binder setup as well as how you store encrypted, scanned copies online? I'm a newbie when it comes to safely storing personal things online (in case of emergency) and would love to learn what you've done and would love to hear what you've learned in this regard. Thanks in advance!

Yes a binder/file system!

You're a great inspiration. I'm debt free except for my mortgage, have a Great emergency fund.. You've got me thinking. How about buying a scooter for work?

Parking downtown is a nightmare. The parking garages are making bank. There’s at least a three month wait list for each and you have to shell out $80-200+...a month. At least my employer let’s me pay it pretax :/

We park at a church down the road from our campus to avoid the payments but we are in baby step 2. If I were you I would definitely get the pass!

I’d love to see a video on backing up your info online safely!❤️

TWO years ago I paid 200 / month JUST to park in a transit lot PLUS 75 for a monthly public transit pass to commute to work in the City (Massachusetts) - 275 2 yrs ago was much less expensive than driving. Your 300/ mo is not bad, especially in this economy ;)

I just paid off my car!!!

Eating the melons will pay for a day at a waterpark

I work at the university of Iowa - my parking is 600 dollars a year! There is cheaper parking and there is more expensive parking. Here’s the kicker- almost all of us who park have to take a bus into work then we walk about 1/4 to 1/2 mike to our offices!

I just realised that if I parked at work every day it would cost €2340. Or there abouts!!!!!! I walk to work most days now (I live in a more temperate environment than you) but there was a point in previous years that I drove at least 3/4 of the time. I must have been in total denial!!!!!

I need to go through all my important papers. I keep half in a reusable bag (I just stuff stuff in it), and I have a small filing system thing. I'm not at all organized though. I need to go through everything. Last night I dreamed about my glasses.

I live in a pretty small town in France and since it's old, the streets are small, it's crowded, parking is a nightmare. The not-free parking zone keeps expanding way beyond city center, I do park where it's free and walk or take a bus or tramway home which is at the very least 20 minutes. I could get a "subscription" to a parking lot close to me (not a private parking spot so sometimes it can be that it's full) for 70 euros a month (student price) but I'm already paying 21 a month for tramway and it just sounds crazy to me. I make 200 euros a month

Nice video

Just look at it this way, assuming you spent an hour a day walking back and forth from work (which even then would be a hustle) you're spending $300 to get 250 hours of your life back! If something took up over 20 hours a month for me to do at home, I'd gladly pay that to make it go away :)

I love your lipstick 💄please do a filing sysytem video

Ride that bike. Not only save permit money but gas money. Right. I use to have a college teacher who walked to school everyday in shorts even in the snow lol. I still remember that guy wonder if he’s still kicking

Have you thought about walking/taking your bike and then freshening up (showering and dressing for work) at the campus gym? You might have free access to the gym as a university employee. If all of that wouldn't work, my advice would be to keep paying for parking or see if you can ride with someone or maybe take a bus. I live in Virginia and it is just too hot and muggy or rainy or cold to not drive. When I worked for the govt I wouldn't pay for parking and used to park on the street far away. That was a hassle but worth the savings to me....I know you hate to spring for parking.

Downtown Toronto 200 per month

My goal was to put $10,000 to my student loans by December 2018...As of last week, I've already paid $9,500 to my loans!

In Chicago, parking garages are expensive as hell. Like,once,my mother in law wanted to go to water tower, and had to pay over $150.00 to park for two hours. Glad we don't drive.

I personally think paying for parking is totally worth it! That heat is a killer!!

I can only pray and wish that one day I can say I am halfway debt free.

I live in Chicago and I pay $170 a month to park my car in my condo. It kills me because I take public transportation every where. But I like the comfort of knowing that I have my car should I need to use it.

I would love to see how you put this binder together. I feel I need to do this.

thanks for posting great video

Parking passes isn't a fail. Like you said, it's out of your control. My work has carpooling discounts, do you get that or maybe you can organize a carpooling group.

I'm debt free at age 44 still working on my emergency fund # FrugalProgress