EXCITING NEWS | debt confession update | we paid off our debt | the plan moving ahead

EXCITING NEWS | debt confession update | we paid off our debt | the plan moving ahead | debt payoff

Рет қаралды 4,734

Ай бұрын

hey y'all!
thank you so much for tuning in today, your continued support means so much! 🖤🖤🖤
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Пікірлер: 160

@khsk Ай бұрын

When we paid off our debt - we had $124,800.47 and it took us 39 months - we definitely didn’t feel a huge relief. It was more of a gradual thing during the whole process. But I was thrilled to meet that goal. We’re going to finish our emergency fund this month, after being this close two other times but we had to use the emergency fund we’d built to keep ourselves from going back into debt. I’m anticipating that I’ll feel glad to have our goal amount so we can move on to baby steps 4 and 5, but as to relief, I’m not sure. That being said, having used the EF while we’ve been trying to build it up, has truly shown me how important having these funds are for an actual life change.

@thesimplebudget Ай бұрын

i love that you shared this- this is the reality….i think also, there isn’t a wave of “relief” because this is life now…it’s not like the discipline can end, or the tracking or the new way of doing your finances….this is just the way now. and that’s good.

@kendraestes289 Ай бұрын

The happiness vs joy conversation was just what I needed to hear today. I've been working so hard for the last 2 years. Finally paid off my debt and have saved $9,000 out of my $15,000 emergency fund. Today my car started having some major issues, and I felt so disheartened. But there is still joy in this journey because of how far I've come ❤

@thesimplebudget Ай бұрын

you’ve done SOOOOO well! wow!!!!! remember that the car is just a hiccup because you’ve set yourself up for just such an event. you’re killing it!!!!

@novarose5393 Ай бұрын

“Can you click anymore?!” *click* I love the way you two are around each other. Hearing how you interact with each other makes the videos so much more entertaining. I’m so happy for you guys to have paid off your debt!! That is amazing!! Congrats!! 🖤🖤

@emilynicole121170 Ай бұрын

VADA YAYYYYYYY I have never been more proud of someone I don’t know personally😊

@SaraBudgetOrganized...ish... Ай бұрын

Congratulations! That's incredible news! Well done! Such a huge difference from the first videos that I watched (feb 2023 budget). You both are so much more confident with what you're doing and planning. Well... Accept for the written corrections needed, but meant your own budgeting and plans.

@kerrimartin7325 Ай бұрын

Congratulations! Paying off debt and having savings is incredible for peace of mind and giving you options if disaster strikes. At least that's how we felt when we accomplished it.

@meghanhonohanacra Ай бұрын

Yay!!! So happy for y’all it’s life changing forever 😊

@mythreesons000 Ай бұрын

Congratulations to you and mr.simple for being debt free ❤❤❤

@thesimplebudget Ай бұрын

thank you!!!

@debbiey9452 Ай бұрын

Congratulations!!! So happy for you guys. My husband and I have paid off over $16,000.00 in debt in the past 5 months. We cannot wait to be debt free.

@thesimplebudget Ай бұрын

holy smokes that’s incredible!!! go you!!!

@kathysnyder3881 Ай бұрын

Congratulations!! What great news!! I'm so happy for you!! 💗

@thesimplebudget Ай бұрын

Thank you so much!!

@Budgetwithbelle Ай бұрын

Congratulations so happy for you xx

@BrittanieRaynor Ай бұрын

I GASPED. congrats you guys on being being DEBT FREEEEE

@MarisolRegalado Ай бұрын

CONGRATULATIONS!!! 🎊

@LonestarChicPlansTX Ай бұрын

Congratulations 🎉👏 Happy for you!!

@CarrieYoung887 Ай бұрын

Congratulations!!! So happy for you both!!!

@poly_budgeting_mermaid Ай бұрын

My greatest happiness moments has been when we have had financial issues come up, and it was something we were able to actually navigate, instead of struggle and stress about

@courtneymcclay132 Ай бұрын

Congratulations!!! 🎉❤

@user-ys7np1ux9u Ай бұрын

Way to go with paying off your debt! Very impressive the time it took. Obviously you both were very focused. Good conversation about your reasoning behind next step of building your 6 month emergency fund. I recently finished saving one month of bills. It was nice knowing it was there especially when my husband recently hurt himself on the job. Before I would have been so stressed out but knowing those funds were there if his paycheck was smaller or not even coming in allowed me to not be stressed. Congrats again!

@thesimplebudget Ай бұрын

absolutely!!!! the relief of having that little “nest egg” is unquantifiable!

@haleybigham2392 Ай бұрын

this is so exciting for you and your family! congratulations!!!

@libbysworld7649 Ай бұрын

🥂🥂🎉🎉Congratulations! That is awesome.

@heathercase3252 Ай бұрын

Congratulations! what a great way to start off the summer

@budgetwithtiffany26 Ай бұрын

CONGRATULATIONS!!!!!

@natgoofy96 Ай бұрын

Congratulations! Such an inspiration for us all.

@amyrolla4085 Ай бұрын

Congratulations! I’ve been following you since the beginning! Great job!!!

@SueS4884 Ай бұрын

Congratulations!!! That’s amazing news. So happy for you and your family! 🎉

@MayuAllie Ай бұрын

Congratulation on being debt free!!! You should do a financial goals video and maybe you can substitute the debt free videos for updates on this money goals 😁

@thesimplebudget Ай бұрын

i think we might do a financial goals video once we get the 6 months saved up! but i’m definitely gonna be updating yall once a quarter on the progress of the emergency fund!

@CMB1994 Ай бұрын

Congrats 🎉 We try to buy everything we lacked growing up for our own children. My hubby grew up without his dad and I grew up without my mom so we tried to give our babies everything but ended up growing in debt (being young and dumb). We recently got rid of our 600 dollar car loan and only need one to pay off one loan. We were a two household income until it got too expensive to pay a babysitter. It's all trial and error. We have come a long way. Your channel has given us the motivation to stick to our budget. Can't wait to be debt free like you guys 😊 Once again Congratulations 🎉

@thesimplebudget Ай бұрын

i totally get you! life IS trial and error! i’m so grateful for this community of encouragers 🖤

@KerriWithaK Ай бұрын

So happy for your family! Excited to see your next steps🥳🥳

@hollywoodwouldyou Ай бұрын

Massive congrats on the debt payoff! How VERY awesome! I'm looking forward to watching your emergency fund grow and all the other wonderful things coming your way in the future. Thanks for sharing your journey with us.

@thesimplebudget Ай бұрын

thank you so much 🥹

@thecynthiaexperience Ай бұрын

Congratulations!!! So happy for you ❤

@ruthjohnson8703 Ай бұрын

Congratulations! Wonderful video, everything well said!

@at.the.kitchen.window Ай бұрын

Congratulations!!! That is wonderful for you and your family 🎉🎉🎉

@kayvandermeer8994 Ай бұрын

Wow, that is exciting. I didn't expect it so soon. Well done 🎉🎉🎉🎉

@Budgetfor7 Ай бұрын

Congratulations! I was teary eyed listening to y’all’s feelings towards paying your debt off and seeing the opportunities that have opened up for your family❤ very happy for y’all!

@catherineboag8676 Ай бұрын

Congratulations. That’s brilliant. Thanks for sharing your journey.

@SimplySammy923 Ай бұрын

Yay! Congrats!

@eringeorge7931 Ай бұрын

We love you too Vada!!

@twoupandadog5893 Ай бұрын

Congratulations 🎉🎈🎊🍾 I have followed you from the beginning and I’m so proud of you!! You have taught me a lot and I thank you for it!

@debbieb7754 Ай бұрын

Congratulations on paying off your debt!!🎉

@lifeofcass2709 Ай бұрын

Omg I’m so happy for you guys!! And have been missing your videos lol. I’m excited to see where you guys put your money now that you’re debt free

@sarahschreffler5407 Ай бұрын

Congratulations!

@gildedliberty6090 Ай бұрын

Congratulations! 🥂 Here's to living debt free in the future and beyond.

@user-vl8jc3yr1w Ай бұрын

Congratulations 🎉🎉!! Your channel is so inspiring to us all. Thank you for sharing your experience with us. Love watching your channel. ❤

@anamcv2 Ай бұрын

Vada, I am so happy for you!! Having been following through a few months I can tell you and your family deserve every single blessing. Your dedication and hard work are truly inspiring ❤❤

@trmoreno Ай бұрын

Congratulations🎉🥂 Very excited for your family! It’s super motivating. I’m still slowly trying to get there myself.

@kekah29 Ай бұрын

That’s awesome!!! Congrats🎉🎉 you picked your har and it paid off. It will sink in down worry and that freedom feels awesome!

@santagonzalez1222 Ай бұрын

Congratulations to you both, I’m so happy for you guys, This is so inspiring, love you guys. Always look forward to your videos your always so real, Blessings

@AquaMaxRod Ай бұрын

So excited to see your journey! Thanks for sharing

@jessieschultz429 Ай бұрын

Phenomenal job!🎉

@rosamondhazell2149 Ай бұрын

Congratulations 👏👏so proud of you two!!

@thesimplebudget Ай бұрын

thank you so much!!!

@tyreishapugh2803 Ай бұрын

Congratulations on your debt payoff! Very inspiring and I do hope that one day I will pay off my debt. Thank you for sharing your journey and key points you learned throughout! Again congratulations and i am celebrating with you on many achievements and accomplishments after this. Can’t wait to see your next video and hear about the other surprise!

@0wlyssa Ай бұрын

AHHH STOP!!! I literally clapped and cheered out loud when I saw this pop onto my feed!! 🥳🎉 You are such an inspiration and whenever I tune into your vids, I always feel like I'm checking in with a likeminded friend. I couldn't be happier for y'all and what this financial freedom means for the Simple family moving forward!

@0wlyssa Ай бұрын

Also - GEEZ, Mr. Simple! Dropping those words of wisdom! 👏👏 I couldn't agree more with your take on happiness versus joy. I feel like rather than relief, there's contentment and satisfaction in becoming financially free/stable. I still have a ways to go (debt free by 33!), but I'm getting there. After knocking out my last credit card debt earlier this year, I felt weird that I wasn't more relieved. When I thought about it, I realized I felt *satisfied* more than anything else. And Vada, you're so right about instant gratification. That's how a lot of my debt racked up. I feel like the payoff has been an exercise in delayed gratification, so maybe that's why I feel more content than anything else! Thanks again for being such an inspiration, you guys! Congrats again xx

@LifeHappens-LiveLoveDocument Ай бұрын

Congratulations!!!!!!! 🎉

@thesimplebudget Ай бұрын

thank you!!

@barbw6116 Ай бұрын

Congrats!!! Such an accomplishment and I’m also thrilled to hear your journey in budgeting is not over and we can be there for ride and inspiration . I’ve only been with you a few months but have learned so much . Thank you !

@Auntie-Chris Ай бұрын

From my heart - so very, very proud and happy for you both.. 🩷🎉🎉🌟

@patriciavaughn4185 Ай бұрын

Congratulations!!!

@thesimplebudget Ай бұрын

Thank you so much 😀

@caritaparks2190 Ай бұрын

Congratulations 🎉❤ can’t wait to hear about the celebration date! Go big!

@thesimplebudget Ай бұрын

thank you so much!!!

@kellalafaire8534 Ай бұрын

Congratulations!!

@thesimplebudget Ай бұрын

thank you so very much 🖤

@cheryldepedro7029 Ай бұрын

Vada & Mr. Simple, CONGRATULATIONS!! I also commend you on the strength of your commitment to each other. Not many marriages would have survived having such vast differences in your spending (or not) habits. This in and of itself is an amazing feat as many, many marriages dissolve over money!! So, I can’t wait to hear all about your debt payoff date!! again, congratulations and I look forward to more videos. Thank you for sharing.❤❤

@thesimplebudget Ай бұрын

this was such a lovely, lovely thing to say, cheryl. thank you, from the bottom of my heart 🖤

@andreasanchez7772 Ай бұрын

This is such great news! Congratulations! You both are such an inspiration to others. Hard work does pay off…..literally! I am also trying to become debt free but the struggle is real! I will just keep plugging along and watching for inspiration!

@sonialofton5526 Ай бұрын

Congratulations to you and Mr Simple!!! So extremely happy for you!!! 🎉🎉🎉

@thesimplebudget Ай бұрын

Thank you so much!!

@corrieshaffer4172 Ай бұрын

Congratulations you two! All of your hard work has paid off. Excited to see how soon you have your Emergency fund so that you can start investing toward your property! Loved this video!

@KrstnaSchroeder Ай бұрын

congrats🎉

@CashBudgetRetiree Ай бұрын

Oh man! I am so excited for you guys! Woo-hoo! You did it! I'm so proud of all your efforts!

@thesimplebudget Ай бұрын

thank you 🥹🥹

@rachelb.1660 Ай бұрын

Congratulations 🎉🥳!! Lemme tell you I feel you on the side of the level of stress caused by not having control of your finances. I finally got it December of last year, and it was a little rocky because I still had my card in my hand😬now I look forward to paying bills and debt🥰. I'm so happy for you and your family❤😊

@argonaut636 Ай бұрын

Congratulations!!! 🎉🎉 your channel inspired us to pay down debt and we have stayed that way since Dec 2023. Can’t thank you enough and I am so happy for you and your family !

@user-zn6nt3mi5h Ай бұрын

Congratulations 🍾🎊🎈🎉

@thesimplebudget Ай бұрын

Thank you so much 😀

@amyhowell4000 Ай бұрын

OMG !!! That is a huge achievement. Well done ✅ I'm here for the ride. I look forward to seeing what the future brings for you both. Big hugs xx

@thesimplebudget Ай бұрын

thank you so much, amy!!!

@JoanArc-or9sr Ай бұрын

Congrats Mrs and Mr Simple....what does the next chapter hold? I hope you 2 take yourselves out for a celebratory meal because you both deserve it

@lauraburleson4783 Ай бұрын

Congratulations 👏 you both should be very proud of your journey. I look forward to hearing about this next step of journey on how you allocate those "extra funds" now. I am in the same boat and trying to figure out a new way ahead without debt.

@thesimplebudget Ай бұрын

it’s wild, right???? almost like it’s too much freedom 😆🙃

@lauraburleson4783 Ай бұрын

@@thesimplebudget and scary at the same time....like I'm one purchase away from debt again 😬 this is not a normal we're used to. Therapy may be in the future haha.

@Jennifer_Jen Ай бұрын

A massive CONGRATULATIONS!!! 🥳 So very happy for you! Thank you for taking us on your debt free journey it’s been wonderful to watch. Looking forward to watching your next chapter. Love from Australia x

@thesimplebudget Ай бұрын

thank you so much 🥹🥰

@Na_ta_sh_a Ай бұрын

Congratulations ❤

@thesimplebudget Ай бұрын

thank you!!!

@BudgetRx Ай бұрын

Beautiful discussion; so deep. Congratulations!

@thesimplebudget Ай бұрын

thank you ☺️

@lenorawyler1079 Ай бұрын

Thank you, Mr. Simple, for defining the difference between happiness and joy. I have hard "joy" discussed in religious settings, but often wondered how a person could feel joy in the midst of serious challenges. You defined it perfectly. Thank you. And, congratulations on becoming debt free.

@lenorawyler1079 Ай бұрын

oops, heard, not hard

@thesimplebudget Ай бұрын

he really did describe it well.

@thesimplebudget Ай бұрын

i knew :)

@monkeysee24 Ай бұрын

Congratulations! You guys are an inspiration for sure! I think you will be surprised how you actually feel the excitement of this pay off more in the coming months than you do this minute. We (like you) had changed our whole outlook on spending so paying off didn't mean this big shopping spree was in our future. I think maybe that tones down the initial excitement. But in the next months and years when you are able to keep all that money and invest and spend as you want you will be sooooooo excited. And all that is only because of the work you did over the last 1.5 years. I am looking forward to all you guys get to do now with all this freedom!

@chrisypbydesign Ай бұрын

So very JOYFUL for you 😁 Congratulations!!!!🎊🍾🎉

@thesimplebudget Ай бұрын

thank you so very much 🖤

@LadyErnst Ай бұрын

Congratulations! 🎉 So excited for your family. Keep up the good work. What a huge milestone for you and your husband. Less debt = less stress. I love that you and your husband did a loosely based Dave Ramsey method. My husband and I are doing the same. *The sarcasm as soon as the video starts rolling is hilarious. Wishing your family all the best. 🥂 Cheers to building generational wealth.

@Michellelovestothrift Ай бұрын

Congratulations Vada and Mr. simple!! You have inspired me to get excited about paying off my debt. I have been a subscriber for about six months and have ordered from your Etsy shop. I am just starting the cash envelope system. I look forward to your videos and have learned so much. Thank you for sharing your journey.

@thesimplebudget Ай бұрын

awww thank you so much, michelle!!!! it really is exciting to do, and to dream about what’s on the other side of it really keeps you motivated!!!

@katiejaneh8562 Ай бұрын

Whoop whoop you guys go❤❤❤

@YanethRodriguez-ue1be Ай бұрын

Congratulations 🎉🎉🎉🎉🎉

@user-dz1dh2jy7j Ай бұрын

Congratulations 🎉

@thesimplebudget Ай бұрын

thank you!

@lmwyatt Ай бұрын

This is so awesome I started watching because we have some similar numbers Interested to see what the date criteria will be now lol

@rhondamason5850 Ай бұрын

Congrats!!! What binder size are you using. I'm going to purchase the debt trackers.

@cindyerickson6120 Ай бұрын

Congrats, what a great accomplishment. I'm so anxious to see your printed planner. I have no debt but have recently retired and need to watch my $. Again, great job.

@thesimplebudget Ай бұрын

thank you! and that’s the thing, right? even with no debt, we all still have to watch our p’s and q’s!

@mholland8835 Ай бұрын

Congratulations Vada and Mr. Simple 🎉 🎉 So excited to continue this journey with you and see how much you save for your 6 months emergency fund. Love hearing your joy, so happy for you both! ❤

@thesimplebudget Ай бұрын

thank you so so much for being part of it 🖤

@allthingsdiane9378 Ай бұрын

🎉🎉 congratulations

@thesimplebudget Ай бұрын

thank you!!!!! ☺️

@cindy16313 Ай бұрын

Congrats!!!! You guys are amazing!!❤ I think you should go on the Ramsey show and do the debt free scream!! 😂

@thesimplebudget Ай бұрын

awwww thank you 🖤 i asked mr simple if he wants to- he said no 🤣

@BudgetingwithTracey Ай бұрын

Congrats 🎉 🎉

@thesimplebudget Ай бұрын

thank you!!

@jessonabudget Ай бұрын

This is so exciting!!! Congratulations on finishing paying off these debts! Y’all absolutely give me hope that we can pay off multiple credit cards this year.

@thesimplebudget Ай бұрын

thank you so so much 🥰 i know you can!!!

@sherrieoday6848 Ай бұрын

Congratulations 🎉🍾!!! That is huge!! Hey Mr. Simple… love how you pick on Vada! ❤ keeping her on her toes lol!!! 🤔 what color will Vada put on her nails next… off topic ( you tube is wack a do … 8 😳commercials in 6 minutes) well at least they are putting you back in 1st position) lol. Financial Goals!!! Again congrats!!!

@TheKidchaser Ай бұрын

That is wonderful news. You must be over the moon, let the celebrations begin 🎉.

@sheak2426 Ай бұрын

Congratulations! You have officially changed your family tree!

@cooperashleigh54 Ай бұрын

🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉 Congrats!!!!

@SmecaWash Ай бұрын

Congratulations I started watching when you first started your debt journey and we were planning similar strategies when our spouses were going to possibly be furloughed, so excited for you all and I’m about $18k from payoff starting at $48k

@Debbie-tv6oc Ай бұрын

Congrats

@sarahkretsinger5298 Ай бұрын

We also bought a house last year - we kept the price within our budget that we would be able to pay. The loan originator people kept telling us we could “afford” more. Turns out they actually make a commission based on the loan amount so we just would say ok but kept looking in the budget we knew we could comfortably afford. I don’t think a lot of people know the loan originators work on commission so they just go with what they say they qualify for. Also - congratulations! Being debt free is a totally amazing way to live life a little free-er. You don’t realize how heavy the burden is until it’s completely gone.

@FionaConnelly-qg8bl Ай бұрын

Well done! ❤🏴󠁧󠁢󠁳󠁣󠁴󠁿

@thesimplebudget Ай бұрын

thank you, fiona!

@WildEmberBudgets Ай бұрын

Congrats you guys! This is wonderful! Let us know what its like from the other side :)

@thesimplebudget Ай бұрын

thank you!!!! i’ll update 😆

@marylandmonroe Ай бұрын

Congratulations! I'm debt free, and the excitement didn't come until the next month when no payments were due. I have continued making the same monthly car payment to my high yield savings account and hope to either pay cash or have a hefty down payment when my car needs to be replaced.