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@MariaFlores-dc2uu5 жыл бұрын
This is great Information..I canceled my gym membership i never used, canceled my spotify,closed out my large Unnecessary Storage unit, Stopped getting my nails done and buying coffees weekly! I saved over 260+ a month! Learning to be more Frugal and aware of my spending habits Has become one of the best Changes ive ever made. Love your videos guys!
@OurRichJourney5 жыл бұрын
WOW! Those are some amazing moves. Congrats on all the savings. And thank you for sharing :-)
@FrederickAmadi5 жыл бұрын
I did the same. I spent so much money on fast food at work, its ridiculous. Being frugal for financial freedom is the way to go.
@jazzminejackson91815 жыл бұрын
You two are a great example for many young people as well as others.
@OurRichJourney5 жыл бұрын
Thank you so much!
@keithcooper70345 жыл бұрын
I love the way you guys look at each other while the other one is talking! Very informative video that motivates people that might feel as if their stuff with no way out.
@OurRichJourney5 жыл бұрын
Thank you so much! We are true believers that those that tackle debt will move on to financial independence with an enthusiasm that is even stronger :-)
@uptownphilly16415 жыл бұрын
Smart power couple is back with another one
@OurRichJourney5 жыл бұрын
Aww!! Thank you!
@mindset_olympics25 жыл бұрын
Ikr they are so creative with their solutions!!!
@uptownphilly16415 жыл бұрын
@@mindset_olympics2 Yes
@lisajackson37434 жыл бұрын
When negotiating a collection, make sure to get the new amount in writing before sending the money!
@knowthyself6905 жыл бұрын
Hey My Kindred Spirits 👀. 2019 is my debt-free year. I owe $26k on one card. Just 2wks ago I negotiated three monthly paymenrs of $3340 for payment. Yes...I'm only paying about $10k/26k. That's a 16k writeoff. I also closed two other accts, one was Sam's, with 24% APR. While I did not negotiate a smaller payoff settlement (at least for now), I do get to pay it off with a 0% APR. Thanks for your informative and useful vids.
@OurRichJourney5 жыл бұрын
That is great news! Thank you for sharing your big wins. Keep up the great work! And once the debt is tackled you'll have more money to invest ;-)
@ambhway36195 жыл бұрын
I really appreciate this video. Thank you both so much for actually providing a useful video with different ideas rather than the typical “walk dogs, babysit” ideas. Love this channel !
@OurRichJourney5 жыл бұрын
Thank you! We really try to challenge the norm in hopes people will also do the same. Thank you for all the love!
@gr82bloved434 жыл бұрын
You guy are my hero’s ! Inspires me to change phone plans - to consumer cellular from Att. Saved me over $100 a month ! Thank you 😉🌻
@anitaphillips5755 жыл бұрын
Wow, I've never herd of some if these solutions for debt. Thank you!
@OurRichJourney5 жыл бұрын
Anita Phillips - Lovely! Thank you so much for watching!!! :)
@victoriacrawford98473 жыл бұрын
I'm already looking for things to repurpose. You two really inspire me to do great things. Thank you for staying in tune with one another and working together.
@dearestchristy4 жыл бұрын
Thank you for these ideas! When i declutter, i usually just donate my stuff. I also have a fabric stash i haven't used in years. I'm going to sew tote bags and sell them!
@chanelbeery81544 жыл бұрын
I can’t get enough of your videos. You guys are awesome. I have learned so much. Keep slaying with your fierce content.
@OurRichJourney4 жыл бұрын
Chanel - you are too kind! So glad you are enjoying our videos!!! Thanks for watching and don't forget to subscribe! :)
@itsrealshadyg20824 жыл бұрын
I’m supposed to sleep but wow I love thissss
@OurRichJourney4 жыл бұрын
Thank you so much for the love :-)
@gdeb70005 жыл бұрын
Team Husband & Wife, you guys are the best. I am on a quest to rid myself of debt this year, thank you for the tips.
@OurRichJourney5 жыл бұрын
Thank you! Knock that debt out! We'll be cheering for you!
@charli69495 жыл бұрын
New subscriber here, enjoying your channel! One caveat about credit card debt: there is a a statute of limitations on old debt purchased by creditors, and by responding to creditors or acknowledging the debt you will be reseting the time on the debt and you can be hounded again and sued.
@OurRichJourney5 жыл бұрын
@Charli thanks for the note and adding to conversation. So glad you found us. Welcome to the journey!
@DLo-eh1ul4 жыл бұрын
Loved your ideas!! I have never been in debt. Now that I have been in a financial situation I am in debt. Definitely will try the great ideas you mentioned.
@cherylfindeisen60884 жыл бұрын
Just subscribed - I found your channel this morning and I’m so excited I did! I will be binge watching for sure and implementing some things!!
@OurRichJourney4 жыл бұрын
Thank you! So glad you found us :-)
@SAnderson545 жыл бұрын
ooo ya'll this was goooooooooood!!! You all have mentioned in this video and others that you all are handy folk. Growing up I always thought you were either born to be handy or you weren't. But I feel I can learn. I'm interested in getting involved in real estate and I don't want to pay contractors to do every single thing. I'm hoping you all start a series regarding your handy work endeavors, everything from painting to those neat wine holders in this video! Thanks for all you do!!!
@OurRichJourney5 жыл бұрын
Thank you! The idea for a series is a great idea! We'll do it for sure!
@roamingelk72715 жыл бұрын
I really like your videos! You guys are innovative and still realistic with your suggestions.
@OurRichJourney5 жыл бұрын
Thank you so much! That really made our day :-)
@uthamkumar99174 жыл бұрын
God bless you both. Love from India🇮🇳
@OurRichJourney4 жыл бұрын
Thank you so much for the love :-)
@heatherk44014 жыл бұрын
$150 sale for each pallet; how many hours per pallet?
@user-lb9ie5sw3i6 ай бұрын
Thank you so much for your content.
@StefanieOConnell5 жыл бұрын
Making more has always been my most powerful tool in making progress toward my money goals. But great to have a bunch to choose from. Better yet, use them all :)
@OurRichJourney5 жыл бұрын
Exactly! Thank you!
@buffteethr5 жыл бұрын
You are one of those couples who will become wildly successful and then who gets berated for being apart of the Illuminati (due to your success). Keep up the good work. You are an inspiration.
@OurRichJourney5 жыл бұрын
Thank you. LOL on the second point. Thankfully we have proof that started with nothing and just focused on doing what was right.
@nvue1415 жыл бұрын
Wow you guys are great! I've learned SO much watching from you!
@OurRichJourney5 жыл бұрын
n vue Thank you so much! We’re happy to share and it means a lot to know that you are getting value from our videos. Thanks again for the kind words!
@carolinasoulshine89495 жыл бұрын
im so happy i found you guys! better late then never....early 40s here looking to pay off debt, get my fico up and purchase a property and wishing to eventually have a few rental properties and or airbnbs! i have always wanted a bed and breakfast...want people to feel like home wherever they are......i wish to get rid of this 16,000 car payment quickly and go from there...did i mention im happy i found you guys!
@fortheloveofadventure18855 жыл бұрын
Amazing advice! Great channel!
@OurRichJourney5 жыл бұрын
Thank you so much!!! Glad you like it!!! :)
@Kalababu083 жыл бұрын
Thank you for all the knowledge being shared. Plan on purchasing the guide soon
@allyson73755 жыл бұрын
You guys are great! Thanks!
@OurRichJourney5 жыл бұрын
Thank you for watching. So glad you are enjoying our content!
@chrystlaw14 жыл бұрын
I never knew you could check out tools from the library?!
@SPLENDORISTA5 жыл бұрын
Would you please make a video about finding the right business loans or investors?
@OurRichJourney5 жыл бұрын
Great idea! Will do!
@TruSun-G5 жыл бұрын
im going to roger rabbit my debt today! good stuff!.. I have so much I need to sell.
@OurRichJourney5 жыл бұрын
HAHA!
@shortty05 Жыл бұрын
You guys are doing me so much justice in my life. Thank you so much ❤
@mindset_olympics25 жыл бұрын
You guys are fabulous! Like the mom and dad I never had giving sound advice!👌🏾👌🏾👌🏾 new subscriber and I’m totally inspired to use my days off to seek out extra money making opportunities!!!
@OurRichJourney5 жыл бұрын
OK! You are making us feel old now :( Why cant we be your cool young auntie and uncle? LOL! JK! Thank you for joining the journey! we cant wait to hear what you start!
@mindset_olympics25 жыл бұрын
Our Rich Journey thanks I just love to tease y’all! 🤗 I will be rich like you guys one day!
@doscoronitas5 жыл бұрын
...maybe try a desktop planer...I have a makita... Or a used one on Craigslist...it will cleanup and shave down the face of those pallet boards in no time...and no more sanding...I use them for small carpentry jobs a lot.
@OurRichJourney5 жыл бұрын
WOW! Thank you for sharing!
@vernefits19535 жыл бұрын
awesome video. great tips
@OurRichJourney5 жыл бұрын
Verne Fits - Thanks so much!!! Glad you liked them! :)
@danielvega92564 жыл бұрын
Wiaooo in the company that I work they trough those woods palettes to the garbage but I try to learn basics carpentry
@OurRichJourney4 жыл бұрын
That's awesome! You should check out pinterest - there's so many examples of what you can do with pallets on there!
@grouchygurl54664 жыл бұрын
Great video! I ❤️ that you are so generous w/your information and to the point! Many blessings to you & your family because you are helping so many by sharing!👏🏽🌈
@TheImperfectReader5 жыл бұрын
Great video. Haha I sold everthing. My home is so bare.
@OurRichJourney5 жыл бұрын
Thank you! And congrats on your journey!
@CentsibleLivingWithMoneyMom5 жыл бұрын
I have a video about this coming Thursday. This video is so needed. You two are the cutest couple.
@OurRichJourney5 жыл бұрын
Thank you!
@QuesttoFIRE5 жыл бұрын
Great suggestions here! Currently working on paying off my debt!
@OurRichJourney5 жыл бұрын
Thank you! How are you approaching it? Avalanche, snowball, or some other way?
@BucketListTravellers3 жыл бұрын
Good point about the importance of networking.
@jennyjover94642 жыл бұрын
You guys are very smart. Thank you very much for sharing your knowledge. Can you share how to review asset allocation?
@bitloader5 жыл бұрын
Seriously, i love your videos! Very informative!
@OurRichJourney5 жыл бұрын
Aww! Thank you!
@dmitrymazur31845 жыл бұрын
Great ideas guys! Love your content!
@ReadingTimeWithZa5 жыл бұрын
Another excellent video! And this is total confirmation for me - I had a baby last year and I was able to negotiate 30% off on all my medical debt. Saved me about $1000!! PLUS, I even got a “yes” and didn’t have to pay everything upfront. They just removed the 30% to help me out! 😭😭😭 I’m so happy to see your channel growing and your subbies increasing. Totally Roger Rabbitting! Thanks again! 🤗🤗🤗
@OurRichJourney5 жыл бұрын
WOW! That is amazing! $1000!! You caught the Roger Rabbit joke!? You must be an 80s baby? LOL.
@almmason75 жыл бұрын
Okay, 80's baby here, please remind me "what is Roger Rabbitting"??? 😁
@almmason75 жыл бұрын
Get all debt pay offs and negotiations with debt collector's "IN WRITING"!!! Ask for it to be deleted from your credit report if on it, especially if it hasn't been on your credit report but for a few years. Some would say not to pay it if on there for 5 or 6 years because it will only be on your credit report for 7 years but if you are not worried about your credit score right away go ahead & pay off but know it will restart it on your report unless you get it deleted from your report. Debt collector's will lie, so I requests that they send me an email saying, "if I pay the agreed upon amount that it will be considered paid in full & I will owe no more on it & it will be deleted," BEFORE paying them ANY money, then request a receipt by email when it is paid. Also, make sure you pay with a check that you mail or a card that is not your main money account because they can take more out if you give them your card info. So, using a Visa card or an account you have opened solely to pay off debt with only the amount you have agreed upon in the account will be best (e.g. online checking accounts are great for this b/c they are free & you can open many of them w/ out worrying). Dont forget to get it taken off your credit report if on your credit report. Keep all records in case it shows up years later on your credit again & by a different creditor. But I have seen a family member pay off a debt that was on his credit report for a year but it didn't effect his score very much after paying it. It may go down about 10-30 points but will go right up if you are practicing good habits with debt (e.g. keeping balances on credit cards below 30% at all times or best practices to pay in full every month). Meaning if you have a credit limit of $1,000 then make sure your balance is below $300. But if you pay balances in full every month you'll see a quicker jump in your score.
@OurRichJourney5 жыл бұрын
WOW! Excellent insight! Thank you so much for sharing all this with the community here! THANK YOU THANK YOU THANK YOU!!!!
@marig19725 жыл бұрын
I've asked for it in writing in the pass for a family member...I wouldn't ask for an email because a lot of electronic things are not admissible in court. A letter on with their company letterhead in an envelope addressed from them...They cannot dispute in court. Also with all I know now...I wouldn't pay a collection agency. Knowing the law is on my side and that I Do Not owe them. You are right knowing the statute of limitation of the debt helps.. They cannot sue one...Once it runs out and one doesn't want to restart it...So one has to be very careful what one says. :))
@FrederickAmadi5 жыл бұрын
I'm totally going to do this. Thank you and "Our Rich Journey" for this information. You guys are life-savers!
@michelleo16065 жыл бұрын
Thank you for all of this advice! My husband and I are so inspired by you guys. Subscribed!
@OurRichJourney5 жыл бұрын
Michelle Orellana - YESSSSSSS!!!!!! So glad you subscribed! Thank you so much!!!
@lucywasn69375 жыл бұрын
Smart ideas and Good ideas for negotiators or someone with skills or if you have things to sale but I don’t.
@OurRichJourney5 жыл бұрын
Thank you for the comment :-)
@miriamvassallo19732 жыл бұрын
Awesome advice. Loved Roger Rabbit 😉
@paida93224 жыл бұрын
This is really good advice thanks guys.
@yeshemebet5 жыл бұрын
Awesome video and realistic suggestion 😊 love your content. Just subscribed👍
@OurRichJourney5 жыл бұрын
Thank you! We are so glad you've joined the journey!
@consciousengineering43995 жыл бұрын
i love your channel thanks for inspiring me to build my channel
@OurRichJourney5 жыл бұрын
WOW! Thank you!
@shulamite76253 жыл бұрын
You guys are awesome!
@OurRichJourney3 жыл бұрын
Thank you!!!
@ruthwright62472 жыл бұрын
Thx u for this great info
@teambeining4 жыл бұрын
How about zero money, zero time?
@lislinemaddox27024 жыл бұрын
Can you do a video on charge off's, either paying it down or settling that charge off debt (which is the best option?). I am in charge off from one of my student loans and I have no idea what to do. I struggle to pay it down.
@MalluStyleMultiMedia5 жыл бұрын
Another informative video .. 👍👍
@OurRichJourney5 жыл бұрын
Thank you!
@wmmarquez3 жыл бұрын
Thank you for this info
@mcvmarie3 жыл бұрын
Thank you! Would you also suggest closing or never using those credit cards again?
@alanija5 жыл бұрын
Your subs are going up, congrats
@OurRichJourney5 жыл бұрын
You're our lucky charm!! Thanks for the love!
@bibolcs5 жыл бұрын
Smart move..¡ Smart Ideas..¡
@OurRichJourney5 жыл бұрын
bibolcs - Thanks so much!!! :)
@PerfectionHangover5 жыл бұрын
We have made extra cash by donating blood plasma (up to $400 per month) just a few hours a week. It's not glamorous but it works!
@OurRichJourney5 жыл бұрын
WOW! That's amazing! Thanks for sharing!
@bobbiclinger75005 жыл бұрын
I totally looked into this, and the nearest facility is over an hour away. Bummer.
@westcoastmediasolutions5 жыл бұрын
My daughter and her college friends do this for extra money
@josepepe38105 жыл бұрын
Melissa thanks for sharing,but how many people does it need to get 400.00 a month? I will appreciate it .Thanks
@michael-annhancox71794 жыл бұрын
Us too. Both my husband and I are doing it and it has made a significant difference and we have been able to allocate money and pay off debt. People really have to put intention into something and it gets done.
@JosephDubois14 жыл бұрын
You are Great Educators! I just discovered your Channel today. And, I Subscribed to Your Channel. I Really Love Your Videos. Your Content is Honest, Humble, Substantial, and Straight-To-The-Point. Keep Up The Great Work! God Bless Your Family!
@OurRichJourney4 жыл бұрын
Thank you so much for subscribing! We're so glad you discovered us. Please don't hesitate to ask us any question. We love to share :-)
@JosephDubois14 жыл бұрын
@@OurRichJourney You are welcome.
@shafaq0075 жыл бұрын
What happens if you ignore the collection agency.
@jboi96315 жыл бұрын
Exxellent ideas!
@OurRichJourney5 жыл бұрын
Thank you!
@shaunaevans5 жыл бұрын
Thank you guys👌👌
@OurRichJourney5 жыл бұрын
:-) Glad you enjoyed!
@backtoasimplelife5 жыл бұрын
Great ideas, as usual. Speaking of getting out of debt, there is controversy in the FI community regarding paying off your mortgage early vs. investing. I would love to hear your take on this subject. I am 50, have been underemployed and self-employed since 2006, and I found out about FI late in the game. I have a 15 yr. mortgage that was refinanced a little over year ago to get a lower rate (3.25%), and I only have 14 years left before I reach 64, so not long to build up my nest egg. My mortgage would be paid off before I would retire. I figure in my case if we pay off the mortgage early I will miss several years of compounding interest. I am not sure there is a "cut and dry" answer to the controversy and each case should be looked at individually, but would be interested in hearing your perspective. Thank you for your valuable content.
@backtoasimplelife5 жыл бұрын
@@Warrior_Resisting_Colonialism Hi! Thanks for asking. I have $1200 in a Solo 401K so far, and will contribute $150 per month this year; my income alone is $19,000, and combined we bring home $44k; owe $56k on the house; other monthly expenses are $1,700. We have two sort of big ticket items we want to purchase before I retire, and those items will be paid for the end of 2020, then I will have $1,800/mo. to invest.
@OurRichJourney5 жыл бұрын
@CmaxEnergi Wow! A 3.25% rate is awesome. Great move locking that in! Now to your question...Its really hard to answer because so many personal and financial factors have to be considered. However, from a mathematical standpoint dumping all your cash into a mortgage, and not also investing, is not the best investment. We know this because history tells us that investing will give us a higher return. But from a personal standpoint people like living debt free. Even if that debt is a very low interest mortgage. But there is also another side to this argument and it involves diversification of assets. Would your paid off mortgage be your only asset? Do you have stocks? Other passive income sources? Etc? A paid off mortgage, in our perspective is equivalent to CD; which is a good investment if you have other investments in higher yielding assets (i.e. stocks). We want to think more about this and try to develop a video that runs some scenarios. Stay tuned! And thanks for the question! - Amon
@backtoasimplelife5 жыл бұрын
@@OurRichJourney Hi Amon! You are welcome. Thanks for your reply! I will be watching for the video.
@backtoasimplelife5 жыл бұрын
@@Warrior_Resisting_Colonialism Thank you for your insight. Yes, I do need to act fast, and we have been doing so. I did run the calculations, and I should have around $400k at 64. That will give me, at 4% withdrawal, $16k/year income. My SS benefits should be around $1100/mo., so that will give me around $2,400/mo. income. My husband's bring home income is around $30k, and he will still be working until 5 years after I retire. He will then receive a pension of $2,100/mo., plus social security benefits. That would be a gross of $4,500 mo. + his SS with $0 debt. That is a whole different scenario than you are thinking. but I could be missing something.
@backtoasimplelife5 жыл бұрын
@@Warrior_Resisting_Colonialism Thank you. We are in rural PA, among the Amish. It is a very LCOL area, and we plan to stay here. We will definitely do some far away travel hacking at some point. But for now, we'd like to purchase a modest, used fifth wheel and truck and be able to do some RVing locally until then. Those two items are the "big ticket" purchases I have mentioned, and we will pay cash. Thank you for the encouragement. :)
@gregscrap5 жыл бұрын
Great video will do some ideas you have.
@OurRichJourney5 жыл бұрын
Greggs tools and more - Wonderful! And thanks so much for watching and commenting! :)
@scyingsmile5 жыл бұрын
What about federal student loan? Any tips on how to negotiate?
@OurRichJourney5 жыл бұрын
Unfortunately, that's one loan you can't negotiate. :( But, some employers pay students loans. There are also various different repayment plans that could lower you monthly payments. However, interest typically continues to accrue.
@scyingsmile5 жыл бұрын
@@OurRichJourney thank you so much!
@marig19725 жыл бұрын
Thank you very much...Very nice and informative video. :))
@OurRichJourney5 жыл бұрын
Thank you for your kind words. We really apprecaite the love :-)
@gabelumby82065 жыл бұрын
I really like your videos. Thanks for making them! Do you mind sharing your ages?
@OurRichJourney5 жыл бұрын
Thank you! So glad you are enjoying the videos. Our ages?????? We're keeping it a secret but I think you make a pretty good guess. LOL!
@guyline15 жыл бұрын
@@OurRichJourney i guess 38 and 40 ys
@edunlap65945 жыл бұрын
@@OurRichJourney The Roger Rabbit reference is the real giveaway!
@wonder77982 жыл бұрын
And no credit cards
@unnepak14 жыл бұрын
Great videos!! But if you negotiate with debt collectors, wouldn’t the remaining amount be taxed as income?
@TrustGodandDoGood5 жыл бұрын
Good information!
@OurRichJourney5 жыл бұрын
Thank you!
@caramelqueen13 жыл бұрын
MY debt is paid now I am trying to get the 5 late fees off. How do I do that? Please help? Single mom.
@RajK-zd6zs3 жыл бұрын
Hey! I have been borrowing money to start up a business and I am having a hard time managing debt. Any tips?
@susantaylor24015 жыл бұрын
Been watching your videos.. Lots of great ideas!! I'm looking at supplementing my retirement by renting rooms in my home. I'm a recent widow, and want to be safe. Any ideas for me going forward??
@OurRichJourney5 жыл бұрын
Thank you so much. Glad you enjoyed the information. In regard to your question, have you considered hosting a foreign exchange student? For instance, many students from Japan go to the US for 2 to 3 months and live with a host family/host. The host gets paid, not sure how much, and the student gets to practice English and attend a local school. The students in these programs are vetted by the placement programs. This is one option. Another is to rent out the room on a longer term basis but just like a landlord you should run a credit check, and depending on the laws in your area, you should also get a criminal record for the person. There is also Airbnb but there is a lot of turn-over and it can be a lot of work. We never had a problem with our Airbnb tenants but we also never rented a room in our house to them. We'll look into this question more and do a video. We like this topic a lot.
@susantaylor24015 жыл бұрын
@@OurRichJourney Having a foreign student is a great way to get someone vetted. When my husband was alive we rented rooms, and he ve
@susantaylor24015 жыл бұрын
My husband vetted the people himself. He was home all the time because he was sick so i felt it was safer. We did have alot of characters, some great, some not so much. I do have a realtor that can do background checks..not free, but helpful. I also have an in depth rental agreement from this realtor that she graciously shared with me. I'm also planning on checking with an organization called Silvernest. They match you with people whose personalities would go well together. Of course now i am much more cautious about bringing someone into my home. Looking forward to your video on this❤
@shermily15 жыл бұрын
What you think about file bankruptcy Because I’m in debt
@scorpion777silvermoon35 жыл бұрын
Nice book cases and wine racks...
@OurRichJourney5 жыл бұрын
Thank you. We're planning to do a video show how to create them step-by-step. Its really amazing how much money you can generate from a free pallet :-)
@japanesesmiles85154 жыл бұрын
Great video😊🇯🇵🌸
@johntiedemann25205 жыл бұрын
Great 😁👍!
@tamalexa5 жыл бұрын
Love your videos!! You guys are "couple goals" 🤗...My husband and I just got married and merged our accounts. We have a ton of student loan debt and some credit card debt as well. We decided to really focus and get rid of the debt prior to trying to purchase a home. It is definitely a process and a challenge. We are still struggling to create a realistic budget. Our Food category is definitely a struggle to maintain. We alway seem to go over. Any suggestions on how to create a realistic budget?
@OurRichJourney5 жыл бұрын
tamalexa - LOVE that you and your husband are working on paying down debt together! Congratulations! I think the biggest thing about a budget is paying yourself first and/or paying off debt first. When this happens, it creates less opportunities to rationalize spending leftover money on "stuff." Since you and your husband are recently married and merged accounts, I'm assuming your joint budget is new. My suggestion for creating a realistic budget is to continuously manage it and refine it each month. Keep a more detailed account of how you spend food (if you feel like you're overspending on that category) so you can assess what is excess spending and what is reasonable. You might see a trend where you realize you're eating out too much, splurging at the grocery store, or buying routine snacks that add up. It's all a process. Perfection is not the key - just optimization. You guys got this!
@tamalexa5 жыл бұрын
@@OurRichJourney thank you!!😁 for the pointers will definitely apply moving forward!
@ezme075 жыл бұрын
Nice video
@OurRichJourney5 жыл бұрын
Thank you so much!
@AbelVarneyMcKing854 жыл бұрын
Hi Guys, My name is Abel and I am a big supporter of your KZfaq Channer. I have a question for you both I have made so many mistakes in my life growing up as a young man. Now I have a beautiful wife and two beautiful girls and my family are my worlds. My question for you two is I have $300 CAN and I want to invest it into the stocks market how should I go about doing this and what stocks do you think will be good for a beginner? Thanks, Abel
@Mandydailyblog4 жыл бұрын
I already sold stuff have no tv ect have the cheapest phone plan and working 7 days a week.. vet bills are mounting up because 3 cats are in kidney failure.. I hope crowd funding can help.. I’m only eating cup noodles otherwise I’ll die.. it’s that bad 😟
@firefox40064 жыл бұрын
I recommend 24hrs_hack_service on |nstagram, they are the best, they help me generate 46,000 usd to pay my debts and am grateful to them forever
@DemetriusOnTheMove4 жыл бұрын
LOOOOOOOOOOOOVe your Videos
@firefox40064 жыл бұрын
24hrs_hack_service on |nstagram, they are the best, they help me generate 46,000 usd to pay my debts and am grateful to them forever
@clairecalizairelouis77815 жыл бұрын
I need help renting home but I don't have money. Please help
@OurRichJourney5 жыл бұрын
Have you looked at affordable housing programs or rental assistance?
@kathrynj.hernandez84255 жыл бұрын
Good advice. Many don't realize that their debt will follow them when SHTF. A global collapse may come soon and you don't want to be in debt. I paid mine off and I'm 64. Turned my remaining falling fiat $ into crypto and silver. I hodl the crypto on a private hardware wallet and keep my silver in my own posession. #GOETH !
@OurRichJourney5 жыл бұрын
Thank you for the comment!
@HcKLiFe5 жыл бұрын
Never pay collections.
@OurRichJourney5 жыл бұрын
Hopefully, it never gets there! ;)
@HcKLiFe5 жыл бұрын
Q*bert, if it gets to collections, your credit is already ruined or on its way since you missed so many payments. The reason you don’t want to pay collections is because you never owed the collection company anything. Your debt has been sold. If you make a deal and pay anything you’re are entering into an agreement with the collection company to pay them. You just have to ask them for proof you owe their company anything. Like a signed contract. They won’t have anything of course. Thank you my fellow KZfaq commenter.
@supercrazydesi3 жыл бұрын
@@HcKLiFe thank you for sharing.
@sherrytee29625 жыл бұрын
I hope to Roger Rabbit some of mine with these new ideas x
@OurRichJourney5 жыл бұрын
LOL! Glad you get my humor -Amon
@Jumpman675 жыл бұрын
What’s the roger rabbit method? Haha
@OurRichJourney5 жыл бұрын
LOL!
@deangelodeonhines50632 жыл бұрын
💡
@scorpion777silvermoon35 жыл бұрын
A lot of mom and pops are cheap.... contract contact just to make sure they understand...they also like to get you to do work and then not uphold their end of deal..keep password put donain in your name just in case...
@scorpion777silvermoon35 жыл бұрын
So use it and take it back???? Damaged product
@OurRichJourney5 жыл бұрын
Thanks for the adding to the conversation! We're glad you brought up having a contract. Its a must.
@scorpion777silvermoon35 жыл бұрын
I learned it from EXPERIENCE. I did a couple of barters that's what I call it. People try to take advantage yet there are some who are fair. Also one must really calculate one's time as businesses want to get the MOST for cheap and also if it's website building for an old dog who is hesitant to move to the next century. AKA people who have been around for years in local area and STILL don't have WEBSITE or Social media platforms in 2019. Those are the ones who also don't understand that they have to market the website and have promotions, etc. It's also quite tiring but I did have to come up with contracts because they also like to BLAME if things don't go wrong and they will try to withold the barter from their end. that's why I suggested.
@mbnich02695 жыл бұрын
Wow, the closest tool lending library is 2000 miles away😕
@SAnderson545 жыл бұрын
Maybe a neighbor can lend you some tools
@OurRichJourney5 жыл бұрын
@mbnich0269 try looking for free tools on Freecyle, craigslists, or the buy-nothing group in your city (see our video on buy-nothing here: kzfaq.info/get/bejne/f7hpeqletqypoZc.html&lc=Ugy8-vYz-PInZwJrrAB4AaABAg) Another option is to ask your city what it would take to start one. The Oakland tool lending library was started by the community and most of the tools were donated. Your last option could be find a MakerPlace studio or DIY workshop. There maybe one in your city. Some have cheap memberships but some can also be very pricey. Hope that helps!
@bradleymikon14353 жыл бұрын
What’s a Roger Rabbit? Lol
@chronosmain5 жыл бұрын
get a loan to pay off your debt. then pay off your loan with another loan. ez not being in debt.