GETTING OUT OF DEBT |FINANCE QUESTIONS & ANSWERS

GETTING OUT OF DEBT |FINANCE QUESTIONS & ANSWERS | BUDGETING PART 3

Рет қаралды 16,938

Күн бұрын

Today Chase and I are ANSWERING your FINANCE QUESTIONS. This is actually PART 3, so don't forget to watch the first two if you haven't already! GETTING OUT OF DEBT is so worth the work! Leave any questions down below in the comments section and we will be happy to answer them in our next's month
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Пікірлер: 212

@tina2.07 6 жыл бұрын

Keep these finance videos coming. I love them.

@TilVacuumDoUsPart 6 жыл бұрын

We are happy to make them for you!

@debora3377 6 жыл бұрын

Very wise couple, Stay debt free. My hubby and I are debt free, And that is after the 2016 flood that wiped us out 8 feet of water , we lost everything, we are back in our home and debt free because we are paying for everything as we rebuild. We are older and Know the importance of frugal living. We are raising our Grandson and we have no debt. Determination is everything, Tfs, You guys are are an inspiration to all of your readers.

@TilVacuumDoUsPart 6 жыл бұрын

Thank you so much! We definitely will! We hate debt!! Your grandson will be a better person for the values you are teaching him.

@pippysmama7639 6 жыл бұрын

Some excellent advice here. Thank you!!!

@kalicavner4357 6 жыл бұрын

Ahhh this took me back to our personal finance talks at work. Miss those! Love your advice- all so good!! Y’all are crushing it!

@TilVacuumDoUsPart 6 жыл бұрын

(Chase here) Those were the days, I miss the finance talks too! You know I tend to go on and on and on when it comes to money talks so I probably drove you crazy lol. But thanks for putting up with me! Have a happy 4th

@samiaby7624 6 жыл бұрын

happy fourth of July Ashley & Family!! thanks for this video! love it! 😍😍

@TilVacuumDoUsPart 6 жыл бұрын

Thank you so much!! 💙❤️

@chrisrt78 6 жыл бұрын

Thanks so much for answering my question - you guys are great! Love your videos

@TilVacuumDoUsPart 6 жыл бұрын

You are very welcome! We appreciate you watching!!

@Teeyah2 6 жыл бұрын

Luv everything about your channel. Really nice when the two of you are are together. Your family is so inspiring. Just received my books from Dave Ramsey

@TilVacuumDoUsPart 6 жыл бұрын

Awe!! Thank you. That is so sweet. Good luck on your journey!!

@janegardner604 6 жыл бұрын

Thank you for always being so encouraging and motivating! Your videos never disappoint!! Love you all so much! God bless!!

@TilVacuumDoUsPart 6 жыл бұрын

Awe!! Thanks!!

@karensunstein301 6 жыл бұрын

I loved it Ashley!! Debt free and planning truly makes a difference in our lives. When friends complain to us about money they ask what do we do. We lived way below our income for many years and that was the secret. That and staying out of debt. So we lived like no one else so that now we reap the rewards from living that way

@TilVacuumDoUsPart 6 жыл бұрын

Exactly!! Good for you!!

@amandawatson8499 6 жыл бұрын

LOVE LOVE LOVE your channel!!!! These financial videos are AMAZING!!!!!💕💕

@TilVacuumDoUsPart 6 жыл бұрын

Awe!! Thank you!! I’m glad you think so!! 😊

@MizJeanwantsanswers 6 жыл бұрын

Its very rare that someone says something new about budgeting or saving money, but this ordering online so you can see where you are at with the groceries in your cart is BRILLIANT! What a great tip!

@TilVacuumDoUsPart 6 жыл бұрын

It definitely helps keep you on track! I’m glad you learned something new too!

@cassiegarland6156 6 жыл бұрын

I love this video! Real life is real budgeting. Thank you!!

@TilVacuumDoUsPart 6 жыл бұрын

Glad you enjoyed it! Thanks for watching!!

@sinclairvallee 6 жыл бұрын

Loved it! Thanks to both of you, great information.

@TilVacuumDoUsPart 6 жыл бұрын

I’m glad you enjoyed it! Thanks for watching!

@jazmincesar4355 6 жыл бұрын

Great video!! Love your financial videos!! I have learned a lot with you guys! Love your channel!

@TilVacuumDoUsPart 6 жыл бұрын

I’m glad you have learned a lot!! Thank you so much for watching!

@julieg1414 6 жыл бұрын

So inspiring! So glad to have found your channel!

@TilVacuumDoUsPart 6 жыл бұрын

Awe! So glad you did too!!

@ruthfrey5054 6 жыл бұрын

I love that you are going to start doing these videos regularly now! We're Debt Free Woohoo!👐 and now building our 3-6 months Emergency Fund. Do you have any tips to keep motivated? How did you build yours? Did you make it like "bill" and just put a certain amount in each month? Again, thank you so much for filming these videos!

@comfortofmyhome46 6 жыл бұрын

Great tips as always! I agree with the part where you said we are all on our own journey. Good point!

@TilVacuumDoUsPart 6 жыл бұрын

We are all at different places on our journey so never compare!

@dianakothapally5643 6 жыл бұрын

Thank you for this one! Very helpful

@TilVacuumDoUsPart 6 жыл бұрын

Glad to hear it!! Thanks for watching!!

@arlenedixon8180 6 жыл бұрын

Love all the advice. We've been trying to become debt free and using the tips you have shared.

@TilVacuumDoUsPart 6 жыл бұрын

I love hearing it. Good luck on your journey!!

@mahealanilyons1489 6 жыл бұрын

I just found ur channel and. LOVE it... I’m a Dave Fan and am on BS2 so all the ideas, advice and inspiration really is so motivating. Thank u so much. I can’t wait to watch all of ur videos..... 👍🏼😁💸

@TilVacuumDoUsPart 6 жыл бұрын

Awe!! Thank you so much. His program is awesome.

@midgesilvers7805 6 жыл бұрын

Thanks so much for this! Happy 4th of July!

@TilVacuumDoUsPart 6 жыл бұрын

Thanks for watching!

@LisaMarie-gx5ku 6 жыл бұрын

Great advice guys! I totally agree!!! Have a great 4th!!! 🎉🎉🇺🇸🇺🇸

@TilVacuumDoUsPart 6 жыл бұрын

Thank you so much!

@OrganizingwithSigrid 6 жыл бұрын

Love these videos. We are really trying to get on a better budget and pay off debt me and hubby so these are definitely helping! I’ve always been a coupon err so that definitely helps us out a lot.

@TilVacuumDoUsPart 6 жыл бұрын

I’m glad you found it helpful. Good luck on your journey.

@kayceeemmett2311 6 жыл бұрын

Love these videos! Ashley your hair looks so healthy and cute! 😊

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!! 😊

@brendatate8986 6 жыл бұрын

Great job Chase and Ashley! When I decided I wanted to attack my mortgage I stated paying every month on the principal something. I did a hundred or more and you would definitely be so surprised at how quickly the total came down. Thanks for sharing your tips! Happy 4th!

@TilVacuumDoUsPart 6 жыл бұрын

It really does add up quickly!! We are saving for a few things right now then we plan to attack the mortgage.

@purposekollection 6 жыл бұрын

Like I always say! You are by far one of my favorite youtubers 😇

@TilVacuumDoUsPart 6 жыл бұрын

Awe!! I love reading it every single time!! ☺️

@mackenzie5716 6 жыл бұрын

I’m rewatching your finance series and just gotta say, you are a girl after my own heart! I was a waitress for 6 years (up until I had my first babe) and my husband is a chef so the restaurant industry is something we have in our blood😂 So THANK YOU for tipping well because a lot of folks don’t understand that tips are income because in 95% of restaurants waitresses are only paid $2.13/hr and then that’s taken by taxes anyways! ❤️

@missybecker9913 6 жыл бұрын

I love these videos! Great advice. I especially agree about Christmas! My Hubby and I have a garage sale once a year and that money goes back for Christmas. We also save all our change and cash it in Black Friday(instead of going shopping)and that money goes for Christmas as well.

@TilVacuumDoUsPart 6 жыл бұрын

I feel like that is the easiest way to get it saved!

@ahrayahahlalabayaahyashara4142 6 жыл бұрын

Thanks for sharing your financial tips, I appreciate it. God bless you guys.

@TilVacuumDoUsPart 6 жыл бұрын

I hope you found it helpful!! Thanks for watching!

@kristinaballard4193 6 жыл бұрын

Yes please keep doing them. I love them

@TilVacuumDoUsPart 6 жыл бұрын

I’m glad you do!! We are happy to make more!!

@ivonnelozano8240 6 жыл бұрын

Ashley thank you, thank you 🙏🏼 for answering my question and I feel so special because it was the first question you used. Love ya Girl!! You and your husband have made my day..I’m not even kidding my heart was going to come out of my chest because the tips and your advice has opened my eyes in a big way. Thank you, thank you again for channel. I wish you many many blessings to you and your family. Please pray for me so God can give me knowledge to be able to be financial free and enjoy life.

@TilVacuumDoUsPart 6 жыл бұрын

I’m so glad to hear!! I definitely will say a prayer for you!

@charitydilmore5173 6 жыл бұрын

Dave Ramsey is really good with teaching people how to budget their money. I’ve taken his course thru a church I attended and learned a lot. But, if you’re married, it takes both to make it work! It can’t just be one or the other working on the program. Thank you for be so inspirational. God bless you and your family!

@TilVacuumDoUsPart 6 жыл бұрын

Yes it definitely has to be a decision you made together for it to work!!

@lindenberg28 6 жыл бұрын

Good info! Love this.

@TilVacuumDoUsPart 6 жыл бұрын

Thank you! 😊

@shellyhernandez2710 6 жыл бұрын

Thank you !!! Some great advice !!!!

@TilVacuumDoUsPart 6 жыл бұрын

Thanks for watching!!

@Teeyah2 6 жыл бұрын

Thanks to you Ashley, I'm getting ready to order groceries from Walmart, online for the first time. I love the family size Peach flavored Cheerios that I purchased @ the store a week ago.

@TilVacuumDoUsPart 6 жыл бұрын

That’s awesome. Use my link to save $10!!

@aliciakaitlyn3654 6 жыл бұрын

You both are a great inspiration and amazing role models for your daughter 💛

@TilVacuumDoUsPart 6 жыл бұрын

That is so sweet. Thank you! 😊

@MyLevel10Life 6 жыл бұрын

Awesome!! Love your finance videos!

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!! I’m glad you do!!

@sallieleonard8955 6 жыл бұрын

Brilliant advice thanks guys 👍 loving this channel. Happy 4th July from the UK

@TilVacuumDoUsPart 6 жыл бұрын

I’m so happy that hear it!! 😀

@susan5301 6 жыл бұрын

Excellent content! Thanks for sharing!

@TilVacuumDoUsPart 6 жыл бұрын

Thank you for watching.

@stephaniesmith1815 6 жыл бұрын

Get the Dave Ramsey book!! So inspirational and helpful. My grandfather got it for me while I was in college...private college...but paid attention and now I'm debt free! It is such a good feeling to be free and have choices.

@TilVacuumDoUsPart 6 жыл бұрын

We’ve read them all!! ☺️

@sandijensen3155 5 жыл бұрын

I love your idea of selling things to pay for other things and becoming a minimalist in the process. Sounds like a win-win to me :).

@TilVacuumDoUsPart 5 жыл бұрын

Yes. I did that for many many years!!

@chalilewis 6 жыл бұрын

This is super inspiring!

@TilVacuumDoUsPart 6 жыл бұрын

Thanks Chali!!

@annierussell895 5 жыл бұрын

I love the video!! I buy Christmas gifts when I find stuff on clearance all year and store them in a Rubbermaid container in my attic🤣

@TilVacuumDoUsPart 5 жыл бұрын

I do too!! 😂🙌🏼

@chelleg5370 6 жыл бұрын

Great video!!! 😊

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!!

@Patience719 6 жыл бұрын

Thank you for going over the manual underwriting! That's the only thing I've struggled with following DR. We are almost done with BS3 but are wanting to buy a house in 3ish years

@TilVacuumDoUsPart 6 жыл бұрын

Glad you found that Part helpful!!

@cathycombs414 6 жыл бұрын

Love all the videos

@TilVacuumDoUsPart 6 жыл бұрын

Thank you! 😊

@annast.sauveur2968 6 жыл бұрын

I love Walmart grocery pick too! I use it mainly for that reason to know how much my total is and if it's within our grocery budget. Also, I hate grocery shopping. We just bought a house and are going to just throw money at it like crazy! Can't wait til we get it paid off then we'll be debt free! I need to try that selling that you were talking about that way I can keep adding to my fun money! Love your channel!

@TilVacuumDoUsPart 6 жыл бұрын

Yes! End tables and nightstands sell so fast if you paint them white. I made some good money off them!!

@susanmckay913 6 жыл бұрын

Hi there I'm a new subscriber to your channel from Scotland UK. Really loving your financial series videos. Your advice is inspiring and would work in any country. PS my house thanks you for your cleaning videos also lol x

@TilVacuumDoUsPart 6 жыл бұрын

I’m so glad you’re enjoying them!!

@1210happyfeet 6 жыл бұрын

My question is what is one thing that you wish you would have done differently and what was something that you guys did that was the most successful

@messiascampbell8527 6 жыл бұрын

Great video!

@TilVacuumDoUsPart 6 жыл бұрын

Thanks for watching!!

@caribbeanbeauty3772 6 жыл бұрын

Omg goals !!!!!

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!! ☺️

@kathymackenzie6763 6 жыл бұрын

Thank you for doing this for people who need it ! Very useful advice ! TFS 💖 🌸 🌼 🇺🇸🎉🎊🎇🎆

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!!

@aliciakaitlyn3654 6 жыл бұрын

This is so random, but I can not wait until I see your home decorated for Christmas 😍😍

@TilVacuumDoUsPart 6 жыл бұрын

😍❤️ I love Christmas!

@karensunstein301 6 жыл бұрын

I've thought the same thing 😜

@TilVacuumDoUsPart 6 жыл бұрын

😂

@Taborl826 6 жыл бұрын

Very informative 👍🏻💰

@TilVacuumDoUsPart 6 жыл бұрын

Glad you thought so!! 😊

@elainetrinidad9558 6 жыл бұрын

Thanks so much, we have been trying to lower our bills but it just seems like something always come up. Especially this past month. I'm gonna have to look into Dave Ramsey.

@TilVacuumDoUsPart 6 жыл бұрын

Watch his channel here on KZfaq. He has a show everyday!!

@thecokerfamily9218 6 жыл бұрын

Yes! You 2 rock!! We do all of these!! Can't wait to be debt/mortgage free!! "Owe no man nothing but love." Romans 13:8 Keep up the good work!

@TilVacuumDoUsPart 6 жыл бұрын

Sounds like you’re doing awesome! I can’t wait to have the mortgage paid off too!!

@thecokerfamily9218 6 жыл бұрын

Til Vacuum Do Us Part I dream about being mortgage free. 🤣

@joycehardt5709 4 жыл бұрын

One of the most important part of saving n spending money is both husband n wife share the same mind set on how to save money. It won't work if one spends a lot of money n the other is trying to save. Love your KZfaq channel.

@TilVacuumDoUsPart 4 жыл бұрын

Totally agree! It’s a team effort.

@courtneypedersen7228 6 жыл бұрын

Being debt free is an Amazing experience. We have an cc for emergency only! If we don't have cash to pay we don't. Now we have two few home debt free. We rent them out. They become assets that way. Instead of liability. Good luck to you all!

@TilVacuumDoUsPart 6 жыл бұрын

Thank you so much!!

@annarosedesigns 6 жыл бұрын

Great tips guys. When we bought our first house we started getting credit cards in the mail. So of course we got all we applied for just to buy all our house stuff etc.. we didnt max them out but we had to stop doing anything fun and if it meant sandwiches every night then that's what we did. We saved so much money and payed all the cc off and it felt great. We then took all but one and cut them up. Now we have a credit card that pays all our bills utility phone etc.. and my husbands paycheck pays it off every week. No late charges no worries about did I pay? Rewards. That's the best thing we have done and our credit score is great. We cant pay our mortgage with it so we put that money in a separate acct. We hate cc. If we cant pay cash we dont get it. HUGGS Terrie

@TilVacuumDoUsPart 6 жыл бұрын

Good for you for paying them off!! We only use ours if we are buying something online.

@busimatchaba5372 6 жыл бұрын

Great video

@TilVacuumDoUsPart 6 жыл бұрын

Thank you!!

@nikketh 6 жыл бұрын

Your video inspired us to go ahead and pay off my husband’s student loan today. Love your channel

@TilVacuumDoUsPart 6 жыл бұрын

That is incredible! Good for you!! Thank you for watching!

@jenniferfatzer629 6 жыл бұрын

I thought i said thank you, to you and your husband for answering my question! So thank you! Lol

@TilVacuumDoUsPart 6 жыл бұрын

You are very welcome!

@VmillsAz 6 жыл бұрын

Great video! I'd love to see more videos like these. I'm praying and patiently waiting for my husband to have a better way of thinking when it comes to finances and being good stewards of God's money.

@TilVacuumDoUsPart 6 жыл бұрын

My best advice is dream together. Talk about what life would be like without debt and without a mortgage. Talk about the trips you could take it the people you would help etc. I feel like that always motivates you to do better.

@VmillsAz 6 жыл бұрын

Thank you so much for you advice, I will definitely take it and apply it. ❤️

@charvine7181 6 жыл бұрын

Lovely family

@TilVacuumDoUsPart 6 жыл бұрын

Thank you.

@Tiffshouse 6 жыл бұрын

How fitting, an Olive Garden commercial 😂😂👍🏼

@TilVacuumDoUsPart 6 жыл бұрын

Yes!! That makes me happy. 🙌🏼

@Southern_Sheila 6 жыл бұрын

Hey I have a question, I know it may be a little nosey but how much is your Christmas budget, I know for us. I try to spend $500 bucks, I buy for 17 people I normally spend more on the Grandbabies, I also do baked goods for my siblings and they seem to love it.

@teresathompson1803 6 жыл бұрын

Good tips! I paid all of my debt down after my divorce (there were a LOT that we had to split). It took me a couple of years, but now I am debt free except for my house and we just bought a little rent house. I have a plan to have both paid off in less than half the time of the loan. Thankfully my current husband and I are very similar in our financial views, where my ex and I were NOT.

@TilVacuumDoUsPart 6 жыл бұрын

It makes a huge difference!! Sounds like you are doing awesome!!

@garciafamily3335 6 жыл бұрын

Hi there, we bought our home in 1990 (STILL in this home, by the way) when we were 20 & 25 years old. The home is 4-5 bed./ 3 & a half bath, 3 car gar. We paid it off in 5 years. Tip- do NOT get head over heals in debt with credit cards!!!! Do not start paying the "minimal" on cards. Also, CARS- uh, our 3 are paid off, people get BROKE with too big/too much interest on car pmts. Just thought I would add my bit, plus all 6 of our kiddos are in college right now.Also, we learn to have fun, make good food, etc. here at home, dang we would go broke, for a family of 8?

@TilVacuumDoUsPart 6 жыл бұрын

Ha ha that’s one of the perks of a family of 3! ☺️ Everyone splurges somewhere. Food happens to be our thing. Thanks for your added input. We definitely addressed all those in previous videos if you want to check them out!

@garciafamily3335 6 жыл бұрын

Ah yes, love ALLLLLL of your videos, I was just adding where it seems a lot of people can make some "poorer" decisions on finances. YES, thanks always! I was not trying to say anything negative, just adding where we also learned so we did not get burned, & thought I would give input.

@TilVacuumDoUsPart 6 жыл бұрын

No I appreciate it. It’s good advice to share with everyone.

@toridunn6348 6 жыл бұрын

Hey Ashley and Chase :) Just wondering if you have an emergency fund that you have built up, for unexpected health issues or car issues etc. Thank you, great video!! xx

@TilVacuumDoUsPart 6 жыл бұрын

Yes we do!! That is baby step number three!! That makes life less stressful. If something comes up unexpectedly we are already prepared for it.

@cowtownjanet4450 5 жыл бұрын

I know I’m quite late watching this and am in total agreement with everything. However, I did not hear any mention of a “giving fund” or “tithing fund”. I know this is something very personal but I was in hopes that you will address this subject in some way. You two are excellent roll models to young marrieds. Thank you for your continued hard work and dedication❣️God Bless

@TilVacuumDoUsPart 5 жыл бұрын

We have both!

@FloresitaDeDios 6 жыл бұрын

I do the same with things "resale" i went from making close to 20$ an hour 12hr/7 work days plus extra since I have sold on ebay for years even when working. to no income other then sales and living off hubby's income. So basically I had to up my game on sales in different platforms and like you say make double or more on an item and we do the same our splurge is for food out.

@TilVacuumDoUsPart 6 жыл бұрын

It’s amazing what a little white paint will do to a piece of furniture!

@LivingInTheMomLane 6 жыл бұрын

We were out of debt for a while then sold our first home. Within a year my husband’s credit score went to a 0. It was crazy how many companies had never heard of someone having a zero. It took a bit of hunting to find a company that would give us a loan for our new home, even though we had 20+% to put down.

@TilVacuumDoUsPart 6 жыл бұрын

That’s crazy. I guess it’s not a common thing.

@bethmitchell2512 5 жыл бұрын

Love this video. I love the budget. Just wondering using the 0 balance budget, do you have a 0 balance in your checking account? That kind of confused me. Thanks

@TilVacuumDoUsPart 5 жыл бұрын

We have around 100 we never count into our budget just so our checking never gets down to zero. That way we can budget every dollar of our paychecks.

@danakrassoi8671 6 жыл бұрын

Another good tip for Christmas money or Vacation fund......if you get paid every 2 weeks .... there will be 2 times a year that you get an "extra" paycheck. Ours is June and November :)

@TilVacuumDoUsPart 6 жыл бұрын

Chase doesn’t get paid like that!! 😩 He used to and it was so nice!! Great tip idea though!!

@susanvelez6534 6 жыл бұрын

Okay my question for your next Q and A is I have two jobs already one pt in the morning and one freelance job from home. I'm 56 I have no debt bu my girl will be 16 in sept. My question is what else can I do to make extra money. I sell things, I do all I can I'm stumped.

@vanessamartinez5503 5 жыл бұрын

Please do more finance videos 😊😍

@TilVacuumDoUsPart 5 жыл бұрын

Ok we definitely need to film one soon!

@secondtimemommy1718 6 жыл бұрын

Amen! Dave Ramsey has helped us too!!

@TilVacuumDoUsPart 6 жыл бұрын

He is a smart man!!

@joannamarticio9002 6 жыл бұрын

Morning I love Wal-Mart grocery pick up, most definitely one saves money. I also sell a item to bring another item in. We have a Virtual Garage sale in our community through FB. This is where I sell my items. I just love it, that way I can bring in New or Used. I just got a used sign (Laundry). Which I love. I just love you, you are real is which I love.

@TilVacuumDoUsPart 6 жыл бұрын

It helps keep you on track!! I actually will be ordering today!! 😂 Thank you so much for watching.

@annarosedesigns 6 жыл бұрын

I do too I hated grocery shopping and it's really helped us due to me being sick and bedbound for 7 months now but we have answers now so that's good but I order and all my husband has to do is drive up they load and it's done. Oh and it's sad they cant take a tip. HUGGS Terrie

@TilVacuumDoUsPart 6 жыл бұрын

I agree! I wish we could tip them.

@morganchelsea5044 6 жыл бұрын

An Olive Garden ad played before the video and I thought how perfect for her lol!! Great video!

@TilVacuumDoUsPart 6 жыл бұрын

Ha ha Love it!! Now I just need them to sponsor me!! 😂😍❤️

@kimmy70759 6 жыл бұрын

I love your channel but I really appreciate the fact that both me and my husband both work it gives us more options and a bigger budget. It would make me so nervous not having a consistent income . Everyone is different I’m just speaking for myself

@TilVacuumDoUsPart 6 жыл бұрын

We just learned to live off one income. His income is consistent. Mine money is just extra!

@kimmy70759 6 жыл бұрын

Til Vacuum Do Us Part yes I know his is consistent. I was saying it would make me nervous not having my own consistent income . I don’t feel comfortable depending on any to that degree not even my own husband. Everyone is different though . I love your channel

@TilVacuumDoUsPart 6 жыл бұрын

It’s all we’ve ever known. We also have a 6 month emergency fund which takes away a lot of stress too.

@kimmy70759 6 жыл бұрын

Til Vacuum Do Us Part yes that’s so smart to have that my brother is always preaching to have a 6 month emergency stash .

@TilVacuumDoUsPart 6 жыл бұрын

It takes some weight off your shoulders!! Thank you so much for watching and chatting with me!!

@bennettholmes9628 6 жыл бұрын

On BS 2 now. Love Dave Ramsey.

@TilVacuumDoUsPart 6 жыл бұрын

Good for you!! Keep pushing through!

@AClark15 6 жыл бұрын

Great video guys! Did you guys use a book/dvd or what? I know you used Dave Ramsey’s method.

@TilVacuumDoUsPart 6 жыл бұрын

We have the books but we took the class too. We talk about it in the first 2 videos! Thank you so much for watching!

@AClark15 6 жыл бұрын

Til Vacuum Do Us Part thanks! I watched the first two (or listened) while working. I guess I missed it. 🤪 We appreciate your videos.

@TilVacuumDoUsPart 6 жыл бұрын

He is the best. I also watch his show on KZfaq!! He gets me motivated when I need it!!

@kaylajones358 5 жыл бұрын

What Dave Ramsey books have you read? Or what videos did you watch or listen to? I hear you reference him.

@TilVacuumDoUsPart 5 жыл бұрын

All his book but he does a live radio show everyday here on KZfaq!

@aleciarhead5629 5 жыл бұрын

Do you use ebates when shopping online? Its great to make a little extra money back from purchases you're making anyway!

@TilVacuumDoUsPart 5 жыл бұрын

Yes we just started using it.

@miles_fear4less 6 жыл бұрын

Are you planning on working your way up through the baby steps? Are you planning on taking extra steps to pay off your mortgage?

@TilVacuumDoUsPart 6 жыл бұрын

Yes we worked our way through baby step 1,2,3. We have always been working on 4! We will definitely work on step 6 which is paying off our home.

@janaahmedabdula1753 6 жыл бұрын

Wowo

@L1... 4 жыл бұрын

How long did it take you to pay off the school loan? What about your clothing budget, do you only buy thrift store clothing? Plus, do you tithe on your gross or net income?

@TilVacuumDoUsPart 4 жыл бұрын

It took about a year and a half and I didn’t buy any new clothes.

@susanvelez6534 6 жыл бұрын

That is how I do things as well, I sell things to pay for other things. I don't think your a minimalist at all. I had to raise my girl alone so I use the word budget as well.

@TilVacuumDoUsPart 6 жыл бұрын

Thank you for watching!

@shirleycarter465 6 жыл бұрын

Hey guys, I don't mean to be stupid but what is a 529 plan?

@TilVacuumDoUsPart 6 жыл бұрын

It’s a college savings plan where you can save money tax free for college as long as you withdraw to pay for college expenses. You can also deduct the contributions you make.

@danakrassoi8671 6 жыл бұрын

AMEN, to Walmart online grocery ordering!!!!! Helpful in so many ways! Girl, me n you so alike!!!!! I wish you could text me because I have great advice about college

@TilVacuumDoUsPart 6 жыл бұрын

Yes! I’m loving that service!! ❤️

@Walmart 6 жыл бұрын

We're happy to hear that our Online Grocery Pickup is treating you well, Dana! 😊

@sallybartsch5347 6 жыл бұрын

Do you have a emergency fund set aside?

@TilVacuumDoUsPart 6 жыл бұрын

Absolutely!! 😊

@sallybartsch5347 6 жыл бұрын

Til Vacuum Do Us Part that's awesome I think everyone needs this because you never know when a situation will come up it's always good to be1 step ahead on things.😊

@TilVacuumDoUsPart 6 жыл бұрын

I totally agree!

@bpjones2869 6 жыл бұрын

I have an idea. You guys should start an online academy for financial tips and budgeting. I would certainly join. Charge a small fee. Extra cash for you guys and great tips for us. 😊

@TilVacuumDoUsPart 6 жыл бұрын

We would love that if I knew how to start it!! 😊

@bpjones2869 6 жыл бұрын

Til Vacuum Do Us Part. Look up a channel called 'Living Luxuriously for Less'. She started an online academy teaching people how to become event planners. She's a very nice Christian lady and I'm sure she wouldn't mind sharing how she got started. Just a thought. I don't mean to be pushy. I just like to see nice people succeed. :)

@TilVacuumDoUsPart 6 жыл бұрын

I will! Thank you!

@rebekahweems1194 6 жыл бұрын

How do you get your tax return low?

@rebekahweems1194 6 жыл бұрын

Sorry if that doesn’t make sense referencing what Chase mentioned in the last question

@TilVacuumDoUsPart 6 жыл бұрын

You can adjust your allowances on your W-4 form with your employer. The lower the allowance (ex 0 or 1) the more they will withhold for taxes. The higher the allowances you claim (ex 4 or 5) the less they withhold from your check. We used to claim a low allowance, so we way overpaid on taxes and would get a big refund. Now we claim a higher amount so we get more money throughout the year on our check instead of lending the government a big chunk of money that isn’t working for us and instead benefiting them!

@susanvelez6534 6 жыл бұрын

Til Vacuum Do Us Part well said, I claim exempt !

@busimatchaba5372 6 жыл бұрын

First to comment lol 😂

@TilVacuumDoUsPart 6 жыл бұрын

Yay!! 😊

@joanneliulaykeng1416 6 жыл бұрын

Life is tough huh! Do u travel out of yr country? Enjoy yr day too!

@TilVacuumDoUsPart 6 жыл бұрын

Life is tough but if you plan for it then it’s not as bad!! We don’t travel outside the country. We have before but not since we’ve had Savy.

@busymumto5 6 жыл бұрын

Do you pay tithe? If you do, Do you teach Savannah to tithe?

@TilVacuumDoUsPart 6 жыл бұрын

Yes we tithe 10% and yes we have taught her to tithe. She gives every week at church!

@busymumto5 6 жыл бұрын

Til Vacuum Do Us Part that’s great.. how did you teach her?

@TilVacuumDoUsPart 6 жыл бұрын

We taught her what it represents and why we do it and lead by example.

@busymumto5 6 жыл бұрын

Til Vacuum Do Us Part thank you xx

@stephaniepianostudio 5 жыл бұрын

How do you get your teeth so white?

@TilVacuumDoUsPart 5 жыл бұрын

I have a whitening toothpaste I use in my abs in store. I talked about it in a day in the life. www.amazon.com/shop/tilvacuumdouspart