The Crushing Weight of Debt (Podcast Ep. 23)

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Take Your House Back (Just $94): urlgeni.us/TYHB
The Take Your House Back Course is a powerful way that I can come along side you and make sure you get your home simplified in the new year! (And it's only $94 right now - normally $597!)
The Next ALL DAY DECLUTTER is Saturday, Jan. 13 - replays available if you can't join us live (Payment plan available, too!)
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Are you struggling with post-holiday letdown, discouragement over credit card statements, and navigating a sense of unease as the new year unfolds?
While change IS hard, listen and hear Dawn and Christine of Frugal Fit Mom encourage you to start taking steps to replace the weight of debt with the lightness that comes from debt-free living!
IN THIS EPISODE:
-Christine and Dawn’s personal stories of getting out of debt
-How to start your debt-free journey
-Motivating yourself and others towards paying off debt
-The freedom that comes from minimizing access to social media and streaming services
ABOUT CHRISTINE:
Christine from Frugal Fit Mom has garnered a loyal following by sharing her practical insights on budgeting, frugality, and maintaining a healthy lifestyle on a dime.
Her journey is a testament to the transformative power of mindful spending, sensible budgeting, and strategic money-saving tactics. Whether it's expertly navigating the grocery store aisles for budget-friendly yet nutritious meals or offering ingenious tips to maximize savings, Christine's approach is both relatable and inspiring.
Through Frugal Fit Mom, Christine invites her audience to join her on a journey towards financial resilience, overall well-being, and the joys of a balanced, intentional life.
/ frugalfitmom
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Welcome to The Official Minimal Mom Podcast channel. If you'd like to hear previous episodes, you can find them on all podcasting apps including Apple Podcasts, Spotify and iTunes.
Thank you so much for listening and could I ask a favor? Would you mind subscribing? It helps KZfaq recommend this podcast to more friends. Thank you! Dawn
ABOUT THE MINIMAL MOM:
Hi, I'm Dawn, if we haven't met before, I'm married to Tom and we have four kids ages 9-14. We live outside of the Twin Cities in MN and have called ourselves minimalists for 8 years now. We got rid of 85% of our stuff and don't miss ANY OF IT!
If you'd like to see more instructional videos about minimalism and decluttering, be sure to check out my other channel @theminimalmom

Пікірлер: 432

@MinimalMomPodcast 5 ай бұрын

Thank you for watching (and subscribing! :) May I help you declutter? Take Your House Back (Just $94): urlgeni.us/TYHB The Take Your House Back Course is a powerful way that I can come along side you and make sure you get your home simplified in the new year! (And it's only $94 right now - normally $597!) The Next ALL DAY DECLUTTER is Saturday, Jan. 13 - replays available if you can't join us live (Payment plan available, too!) - Have a great weekend! Dawn

@billierichter1379 5 ай бұрын

Please read the comments and see how much people hate that guy's voice. You're going to lose subscribers if this new way of doing videos continues. It's like a horribly cheesy infomercial.

@user-vn6xo2tc9r 5 ай бұрын

Made a $25,650 payment yesterday to pay off my $55,000 student loan. Feels AMAZING!!!

@sherrybendall5817 5 ай бұрын

That’s great!

@Medazzza 5 ай бұрын

Oh wow. In Germany Uni and technical Colleges are free, no tuition fees, just an admin fee of 300 € per term 😮

@KR-os6nn 5 ай бұрын

The admins fees are outrageous in the US. That being said, the taxes in Europe are astronomical. Others may not agree, but hey, different perspectives

@katiejon17 5 ай бұрын

@@Medazzza you aren’t getting anything for free - you pay out the nose in taxes.

@MaraBradley Ай бұрын

Good for you! Congratulations!

@shelleywinn8731 5 ай бұрын

don't laugh but I have made it 12 days of not ordering from Amazon. At the end of the month I will evaluate what is in my cart and see if I still need it. So silly to be so exciting at 12 days. Life if Good!

@GreenWhitePurple 4 ай бұрын

Not laughing, I think that’s great! Have you considered starting an Amazon list (a wish list, or you can add your own with your own title)? I have a public wish list which I point people to if they ask what I’d like as a present - I always ask if they have the same so I can do this for them too, and only mention it if they ask me. I also have a private list I’ve called “Think about it”. This is where I put any nice, shiny thing that catches my eye. Usually, putting a bit of time between the urge to buy and actually buying it helps me get over the impulse. But every now and then, I might decide to spend some of my budgeted fun money on something, if I realise it’s something I’d still really like. For me, it works well to be able to capture things when I see them, but not actually put them in my cart where I’ll be reminded of them.

@SpicyMelange 5 ай бұрын

I paid off $25,000 in 2023 by saying NO! There is incredible freedom in saying no.

@kaitlinobrien243 5 ай бұрын

Impressive well done! Happy New Year 🎊

@altaneri6980 5 ай бұрын

We had $330,000 of debt outside of our mortgage and going grocery shopping stressed us so much b/c we had to use a credit card. I got mad one day and made the decision to get out of debt. We were miserable. It took us 3 years and peace was now in our life.

@abigailwilkerson5284 5 ай бұрын

You paid off 300K of debt in 3 years! That's amazing!! You must have worked really hard at that. Good for you

@altaneri6980 5 ай бұрын

@@abigailwilkerson5284 yes, we didn't live 😆 we were determined b/c it was affecting our marriage. We loved each other too much to continue letting debt hurt us

@lyndi9082 5 ай бұрын

@@abigailwilkerson5284 WOW!!! YOU are an inspiration!! That would stress me out beyond words.. so happy for you!

@no_peace 5 ай бұрын

You paid off $110k a year on top of bills?

@silfervox2970 5 ай бұрын

Great episode! Buuut the voiceover made me think I was listening to the wrong podcast at first. You don't need it. You have such a great brand of you and your message. Been a fan for years.

@lucystrider728 5 ай бұрын

Keep your vehicle maintained and do not replace it just because it gets a few years old. Build your identity upon your kindness, humor, generosity, knowledge, honesty, and skills instead of what you own, wear, or drive. You will grow into a more relaxed, beloved, accomplished person who has not wasted all that money on acquiring new things that were not needed.

@user-li2vl4yd1x 5 ай бұрын

Very very well said. Bravo.❤❤❤❤❤

@fancyflamingo123 5 ай бұрын

I have to add my feedback here, too. Just because I think it will matter to Dawn seeing so many of us saying the same thing... The first time I heard the announcer guy on the podcast, I was like, Oh no! Like others have said, it just doesn't fit. I would love to hear Dawn do the intros (or maybe no intro needed-just do introductions quickly as part of the podcast) or even someone else doing the 'voice' (Diana?) Absolutely love Dawn and EVERYTHING she gives (I recommend her to everyone!) but hoping this change can be made. :)

@angelrosee73 5 ай бұрын

The man’s voice into is not good - sounds like a product intro & infomercial- a big turnoff :(

@claudia_christianmommy 5 ай бұрын

Dawn, Even when you promote something like take your life back, you’re so humble about it and trying to do something not over the top. I would take the constructive criticism from some people for what it is, only if it’s constructive. Maybe the voice over isn’t a cup of tea for some, but it doesn’t mean it’s necessary to do what they say. Love you Dawn, I’m truly a fan. Always will be. Also I have been debt free since 2019 (Dave Ramsey baby steps ) and simplified my home since 2021 because of you.. I have no words to express the gratitude i have for you- annoying voice over of a commercial or not it doesn’t matter to me. From a grateful follower of your content.

@gloriareynolds4050 5 ай бұрын

My 2024 motto... I am enough without the stuff! And it's so much more than just physical possessions, it's the job title, the image, others expectations, etc.... thank you Dawn for everything!!! ❤🎉

@ninnymuggins5159 4 ай бұрын

*I am enough without the stuff!* That's amazing. I wish every woman could embrace this.

@marge3157 5 ай бұрын

Married 27 years. Took 27 years to pay off our cattle ranch, paid off our cattle loan, paid off our equipment, paid off vehicle's and paid off our home. It hurts but worth it. PS, 5 years clean from Facebook and Instagram. I sleep and eat better as well as shop less.

@juliedavidson5596 5 ай бұрын

My hubby and I followed Dave's plan and were out of debt in 14 months. Plan was 20. Our first month we had a bee nest in the attic. I freaked out but the bill was only $70. Thanks for the trip down memory lane ladies . Debt free living has given us so many opportunities to give and be free to live.

@adrianabarnard6402 5 ай бұрын

I never went into debt I always had a fully funded emergency fund and all I have to say is that it’s all thanks to my mom so even in if you are in the process teach your kids the value of money so they never have to deal with getting out of debt. The skills I have learned from these two women I will be sure to teach my children.

@gospelgardensandtunes4109 4 ай бұрын

I love this discussion. I want to share a God blessing story. This month we are very tight in our budget. I cut my grocery budget in half and I cut out my favorite apples which normally cost 2.97/lb. I am usually willing to spend that because it’s a healthy food and I love the taste. But this month, for the sake of my family’s needs I cut that out and maple syrup (which is very expensive and I put in my home made coffee instead of sugar). But just this evening I found my favorite apples on sale for 0.97/lb!!!! I was so excited!!! I saw the Lord’s provision and couldn’t wait to tell my husband. Just wanted to share.

@fotochikyo 4 ай бұрын

That's awesome!

@terrilloyd3691 5 ай бұрын

It is such a shame that the USA doesn’t have universal health care. Being in huge debt because of illness just compounds the stress. ❤️❤️❤️❤️❤️

@katherinetyrrell8810 4 ай бұрын

Canada's system is failing so badly right now. Universal healthcare is great in theory, but not so much in practice. Canada is now encouraging people to use the M.A.I.D. service to cut costs. That is Medical Assistance In Dying. Perhaps, a better option might be to call the hospital, or doctor, and ask for help. It is surprising how often they will help. I had a friend who had to go to the hospital for over a week. She had no insurance. She called the hospital and the hospital administrator waived the debt AND gave her a card for free future services (if need be) for a year. I, myself, have gotten help as well. Also, pharmaceutical companies help all the time. It would definitely be worth making some calls. Good luck!

@GreenWhitePurple 4 ай бұрын

In the UK the NHS was great but it has gradually declined to the point where even the emergency services can become overwhelmed and can’t be relied on. Bad management, lack of funding and the wrong priorities have resulted in harried staff and long waiting lists. I still believe in universal healthcare and think the US healthcare situation is shocking. But universal healthcare needs investment from taxation and proper management and accountability.

@stephaniehon2711 5 ай бұрын

I feel the importance of this topic deep in my soul! We have been working the Dave Ramsey baby steps since August of 2022 and paid off all our debts (besides the mortgage) in October 2023. Right now, we’re working on building our 3-6 month emergency fund. I got sick and tired of literally being *sick* and *tired* from our debt. The stress of debt is so draining on mental and physical health.

@jacquelinebonneville8054 2 ай бұрын

I love how these two topics (decluttering and being debt free) pair together. I'm always thankful any time you share on this topic Dawn.

@kaleydc 5 ай бұрын

We got out of debt first, started selling our stuff to help and then found minimalism :) they do just go so well together!

@em...... 5 ай бұрын

I have never had consumer debt. I had a mortgage but that was paid off years ago (I am in my 40s). I still love anything to do with budgeting. I make my own expense tracker books and write down anything I can think of in it. It is so interesting to look back and see where the money goes and where I want to improve. My mum taught me the envelope system as I was growing up - it wasn't Dave Ramsey. (it was a book called The money tree she got in the 90s). I am so grateful to her for teaching me all that she knew about money. I am more minimal now as my sister died suddenly in 2012 (by her own hand) and I suddenly realised how meaningless material objects are. I am not 100% minimalist but I am working on that this year - I want to get rid of more things that I just don't need.. Great podcast. :)

@kaitiekelly1377 5 ай бұрын

I'm binge-watching all Dave Ramsey, Frugal Fit Mom, Jordan Page, and now Minimal moms podcasts on debt free living. We've also done a version of the baby steps 3 different times (this being our 3rd time) and I'm sooo ready to be done with debt. I want it ALL gone. I've tried the couponing stuff this past year and it just didn't work for me. I'm fairly sure I am just too dumb for the math side of it but it actually had me spending more money rather than saving. I kept thinking it was ok to stock up on essentials, but I'm realizing that that is just not for me right now. Right now I'm living on the absolute bare minimum. I grocerynshol once a week and literally ONLY buying what we absolutely NEED! It's INSANE how much we're finally saving on groceries just living like this. Granted, it's only been a week, but wow!! What a major change this one week has been for us! Typically we would already be half way through our grocery budget by now. 🙈 we've decided on $125 a week to push ourselves and I'm actually shooting for $100 a week, but we have 2 boys, 2 dogs, and a truck driver husband who can't take leftovers with him anymore so that makes things tricky. But! Im determined!

@jackieo2403 5 ай бұрын

You are NOT dumb! Look at how much you have learned about yourself. You will get there- You can do it!! I'm rooting for you!

@brittanys.7191 5 ай бұрын

You aren’t dumb! I personally fell into the trap of buying haircare, body care, etc… for stock up when I could coupon and save…but then we ran low on the grocery budget. Sometimes couponing can be a bit of a trap!

@VS-fo9py 5 ай бұрын

Good luck! Keep going, don’t give up

@_pugito1659 5 ай бұрын

Yeah best is setting goals like buying only stuff you NEED. We do $125 dollars a week for a family of 5! So it's very doable! You got this!

@juliab8992 5 ай бұрын

Yea, I don't understand couponing. $5 for brand name, $1 coupon... And the Aldi equivalent is already $3.50 sooo... My difficulty is the $3.99 thing "buy 2, save $1"... Now I have to tell myself... Buy 1 and save $2.99!!! It keeps the weekly bill down, and I don't actually NEED that second thing right now, AND now there's ZERO chance that I'll forget I have it! NOT buying back stock "just because" has helped me waste less! I don't know how many times I would buy this big $1 bottle of imitation vanilla because it seemed to rarely be in stock, and my son uses it a lot (he likes to bake)... I just threw out 3 bottles of this stuff in the back of my cabinet, that expired over a year ago. 😢. I only buy what I NEED now, and I have found I don't actually need much!

@tannif7455 5 ай бұрын

My husband and I never had any debts other than our mortgage but I do think since we've been decluttering we managed to pay off our mortgage alot quicker. We became even more mindful where we spend our money since we decluttered our lives.

@AdelaidesReadingFamily 5 ай бұрын

It’s funny you mentioned how something big will come up when you start. 4 days in, we had to pay $695 for plumbing due to sewage backup. Glad I’m not alone. 😅

@johannab7715 4 ай бұрын

It’s very important to chose the right partner to do life with if they are as committed as you, there will be no limit on what the two of you can accomplish!

@kamillsap3155 5 ай бұрын

So sorry Dawn….but I have to agree ……this “guy” just doesn’t fit. ☹️ it won’t keep me from watching or subscribing to TYHB, but it just doesn’t have the sincere feel I’m used to with you. Feels very “Medicare insurance” commercial like! Just being honest. But love you 🥰

@wesliegray1772 5 ай бұрын

Vehicles... would remote start and heated seats be nice in MN? Absolutely. But when i realize i am saving $400 a month by driving my 2014 Fusion as long as it is reliable is a no brainer.

@jenniferrosenthal7731 5 ай бұрын

I talk about that “backtracking” concept a lot. My husband and I had children and married young. I finished school after I was done having our kids. But we have only ever gone up. We were not living some splashy lifestyle when we were young and broke and just gradually increased income. Friends of ours married later and had children later (no shame there) but they are experiencing the “backtracking” that we haven’t. My husband worked and still works his butt off but we are doing well and I’m proud of us.

@OurGreenAcreHomestead 4 ай бұрын

It took us 3 years as well, $160k, over $100k of student loans. But the relief and pride when done, I cannot explain.

@azbuckeyegirl9523 5 ай бұрын

I’m older and my husband and I started with Larry Burkett and his materials from day one of our marriage. (1994) We also lived in a travel travel with a baby and built a house cash and carry. (Not realistic for most people -I get it.) Anyway, if I had to do it again, I wouldn’t change anything. We’ve never had a house payment. I can’t relate to that “stressor.” But my time management is an issue. Both my parents have had health struggles and dementia for the past five years, and I still am homeschooling a high schooler. (And I’m a new grandma.) This past fall, I’d wake up and say, “Okay, who is getting short changed by me today.” Call it “time and energy debt.” My friendships have suffered and my husband isn’t getting the best of me. This is a new kind of debt, and a new kind of stress. This conversation has encouraged me to get in front of this in the new year.

@angelainsull4634 5 ай бұрын

I've learnt soooooo much from Dawn. It often takes me a while to implement but Dawn's consistent message and careful encouragement is like an answer to prayer. I still have a long way to go but after 3 years I'm not panicking I know what needs to be done and I am influencing my family in the same careful and intentional way Dawn does. This podcast is great thank you

@emd5095 5 ай бұрын

We just made our mortgage by the skin on our teeth. My husband made $140K last year & I still ran up credit cards. I am the issue. I have been financially unfaithful & I'm done.

@angieprice7206 5 ай бұрын

I learned a lot about my own grocery shopping when covid hit. I have some respiratory issues and a friend volunteered to shop for me. I gave her lists and she followed them. My costs dropped a lot. Apparently I don’t follow my own lists. 🙄 I have learned I need to limit my own trips to the store. If I go, I always find more ways to spend money. Now I go once a week or every ten days or do. Much cheaper.

@kathyallen5121 5 ай бұрын

Thank you ladies - love both of your channels. I get a superb dopamine hit every time I put extra payments on my debt.

@marilyns6043 3 ай бұрын

Love this conversation! I'm on my own after a divorce - working a regular job, part-time job, and a side hustle to be able to stay above water and pay off my mortgage. I'm LITERALLY counting the days until it's gone. 1,091. Just sayin'. I can almost taste it - the idea of waking up owing nothing to anyone. Nada a nadie. Amazing!!

@MrsPink64 5 ай бұрын

I so agreed with everything you said. We retired me at 53. Hubby retired in August. On his first day of retirement, the water heater broke. It was just an inconvenience, not a stress to get a new water heater, because we had no debt and have an emergency fund. Also there’s nothing funner than giving anonymously.

@rachelcrossen8136 5 ай бұрын

What do you do for health insurance when you retire early?

@peggypeters6676 5 ай бұрын

Pay out the Ying yang

@MrsPink64 5 ай бұрын

@@rachelcrossen8136 I live in Canada 🇨🇦

@MyFocusVaries 5 ай бұрын

I highly recommend co-op in university, where you work in your field every second semester,. through a placement your university helps you find. Not only does it help you avoid debt, but you graduate with work experience that helps you find a job in your field.

@TRuth.T 5 ай бұрын

Thanks for sharing. We are paying off our mortgage this month( we have only had mortgages). We will be debt free . Were farmers in WI.

@sct4040 5 ай бұрын

Quit buying cold turkey is the only way that worked for me. Now, the price of groceries alone is enough to give me hyperventilation. The last 2 days, I spent $230 for family of 2 on groceries, only food, not including necessities like tissues. I did stockpile due to winter being here. We are both retired.

@christinegagne4262 4 ай бұрын

I wasn't in heavy debt per say but decluttering my home made me realize I didn't need all that stuff. I was no longer interested in shopping for entertainment, I got rid of all the excess, gained peace in return, and financial security was built up. At 55, I'm not worried about retirement and continue to work because I enjoy it, not because I need it to survive, and that is a great feeling!

@kathyn4267 5 ай бұрын

I don't like that guy either. Love you Dawn. I just fast forward.

@rebeccaplasters2964 5 ай бұрын

I so appreciate that both of you are so vulnerable and willing to share your journeys. Thanks for the info and inspiration.

@laurennguyen1008 5 ай бұрын

I am the spender and my husband is very good with money. He told me when I wanted to retire that I spent more every month than I would get in retirement. I never realized that which is ridiculous so I wrote all our debt and pay off countdown on a white board in the garage and we paid it all off and I fit our expenses in our income so I could retire. We've been debt free for years but I still shop for fun and I still have to watch it and live within my monthly income most months because it would be easy for me to get in debt.

@pamgroom7117 5 ай бұрын

I adore you both. Thanks for sharing time together to share your stories.

@AnimalFarm341 5 ай бұрын

For the first time, I bought a streaming. My daughter wanted Disney plus for Christmas; at least it isn’t cluttering our home 😂. I paid for 1 year w/o commercials; around 133.00. She wants it to be continuous and said she could just ask for it next year and I said, yes you can but it doesn’t mean you’ll get it. 🤷‍♀️

@anitalindsay6658 5 ай бұрын

Got out of debt, mortgage and student loans, by not buying anything but food - ate lots of potatoes, eggs, beans and salads. About 2 years later, the tech school closed. I could not get another job because of my age. Interviewers were not shy about about telling me. If I had not payed off loans, I would have asked help from my children. Like decluttering, cutting expenses becomes addictive. I am now so content with what I have instead of the next unnecessary expense. I'm also able to share more, give me more. I feel I've broken the consumer mind set.

@dwohio8283 5 ай бұрын

I've always said, the right thing to do is not usually the easiest thing to do. Work for it, it's worth it!!

@AdelaidesReadingFamily 5 ай бұрын

My husband and I decided this was our year to get finances in order, so this timing is perfect! Thanks Dawn!

@LisaPFrampton 5 ай бұрын

We decided this as well!

@katherineallen2577 5 ай бұрын

I wish more people would talk about the detriment of social media on kids, spending, people's mental health... I've also changed my habits/follows/subscriptions, and the goodness goes far beyond leaving the comparison trap and spending more quality time with your people. Even the quality of people i find myself spending time with has improved! Loved this episode!

@ruthturkington1736 5 ай бұрын

I have been building an emergency fund. For the first time when a major issue happened a few weeks ago, we didn’t have to put it on the credit card.

@MN_Cozy 5 ай бұрын

love you two together! do it once a month!! 💕

@christinab9133 5 ай бұрын

Yay for two of my favorite people!!!❤❤❤

@lisam5744 5 ай бұрын

When you and Christin were talking about the stress of debt and the lack of stress when it's gone, I was nodding and saying, 'Yep, oh yes, yes' again and again. And like Christine, we got a $300+ water bill AND a house insurance increase notice on the same day. I just sat and cried. Life still throws curve balls, but knowing we can manage them easier because we're not in debt makes them not quite so bad. I really enjoyed the podcast.

@dptfo 5 ай бұрын

Been spending my day working through one of the past all-day declutters, because I’ll be busy for your next one. Mentally exhausted, but I’ve made so much progress! But watching this one now because I need a break. No matter how much I get rid of, it’s not going to change until I stop bringing so much in. Debt keeps me in scarcity mindset.

@SassySue67 5 ай бұрын

You will get out of debt faster if you stop buying and bringing STUFF in to your home.

@marshawolfkamp7604 5 ай бұрын

I love watching you two together!! I can tell that you really like each other and enjoy each others company! The level of respect and comraderie you show is awesome and worth showcasing.

@kimberlyalbert2400 5 ай бұрын

Thank you for this!! Love both of you!

@gracemann391 5 ай бұрын

LOVE THE WORK THAT YOU BOTH DO! Thank you for the encouragement!!

@gingerstrait836 5 ай бұрын

This content is amazing! You two are an inspiration. Thank you! ❤❤

@AM-bm2xw 5 ай бұрын

this is a great episode, thanks for the encouragement!

@lizzilangston8377 5 ай бұрын

I really needed this episode. Thank ya'll so much for all the help you have given me. Being an adult feels easier after either one of ya'lls videos!

@kelseygreene8807 5 ай бұрын

Thank you! I am on the debt-free journey, nearly there including our mortgage!! But I'd love to continue to hear about this topic from you both - I watch every episode of both your content and I'm so glad you've made it to the debt-free topic! Thank you! Thank you for bringing hope in so many areas!

@chrismckinnon878 5 ай бұрын

Thank you both!

@missmrice91 5 ай бұрын

Awesome discussion so many great points coming from people with experience!! 👏🏻

@Craftytherapybyl 5 ай бұрын

Two of my favorites to watch while cleaning and working!

@elizabethgridley8587 5 ай бұрын

Great podcast! Love Frugal Fit Mom and Dawn’s content, thank you both!

@ndoch9988 5 ай бұрын

Incredible video, thank you ladies just what I needed to hear.

@user-gl3ph8qm8y 5 ай бұрын

Great conversation! Just the motivation I needed!

@cathyshobe4681 5 ай бұрын

I can't thank you enough Dawn. I have learned so much watching Your videos. That shirt is the perfect color on you.

@LisaPhilpott-ei1nf 5 ай бұрын

Would LOVE it if Christine could teach a class on how she does her budget on Excel...Pleeeeease, we need this!!! 🙏🙏🙏

@abrareads 5 ай бұрын

She has videos on her channel for this.

@PennyPudge 4 ай бұрын

Always great encouragement from both of you. Thank you.

@amychirinosphotography 5 ай бұрын

We learned no was a complete sentence. And we buy a lot on sale even from thrift stores.

@litheanne1563 5 ай бұрын

An excellent podcast. Thank you.

@Jessica_Jones 5 ай бұрын

Got a tad misty-eyed a few times watching this; how comforting it is to hear about your financial journeys and to be reminded yet again that I have not been alone! It is so easy (especially in a saver vs. spender dynamic) to feel discouraged when progress isn't made at the rate you plan for. It's also tough running into those life expenses just when true commitment really kicks in, gah! Our most recent slowdown has been that I was laid off a couple of months ago so we've been saving instead of paying down aggressively. We are so close and yet now we need to be cautious and it is quite frustrating! With that in mind, I *so* appreciate this discussion and additional recommendations for "tightening our belts" even further to keep on making progress. Thank you both for taking this time to encourage and coach us all toward better decisions and financial goals!! ❤️🙏🏻

@annspiece2487 5 ай бұрын

Thank you for this conversation it's very helpful being snowed in.. working on cleaning out this house what we don't need anymore ❤🎉

@clairetitus6904 5 ай бұрын

Great information. Thanks

@debvoight1310 5 ай бұрын

Dawn I soi agree with your last point, decluttering is what completely changed my mind set on our finances.

@JenMidwestMama 4 ай бұрын

Thank both of you Ladies for this video! So important! I appreciate the honesty and money earning / saving ideas!! God Bless you both!

@christopherhernandez3909 4 ай бұрын

I can listen to debt free conversations all day ! 😇

@LadyLocksley 4 ай бұрын

What a great video. Dawn, you’re amazing. Your guest’s advice about the ditching streaming services, consuming less social media and being more intentional with time was right on. I am going to try this. I don’t need to watch so much on streaming services. Thanks for this entire video. Well done!!

@SheilaCainSample 5 ай бұрын

I loved this Podcast with you and Christine thank you ❤

@capturedbyannamarie 5 ай бұрын

Such good tips!

@peggypeters6676 5 ай бұрын

Christine is the BEST!!

@karennealy1857 5 ай бұрын

Great conversation!

@lenawarelius4195 5 ай бұрын

I want to get back on track to be debt free 💪 and ceep on decluttering when I move to my new apartment💪 I must listen more to you girls 😍😎 lots of love from arctic Norrway at -23 degrees today 🙌🌹🌼🌻🌷

@kennethbailey9853 5 ай бұрын

Thank you. 😊

@user-yo4jv3ph1g 5 ай бұрын

Loved this podcast!! Of course, this “Awesome Twosome” speak my language 😊As I recently turned 60; it was a pivotal moment where I truly crave “simplicity”. I have made great strives decluttering and working the Dave Ramsey program w/my hubby. It’s been an amazing journey--realizing the extra weight of stress/debt/stuff!! Thankfully, we already live with the freedom of Jesus❤-now incorporating the FREEDOM from “stuff & debt”!!

@LindaSnow-hw4hv 5 ай бұрын

Two of my favorites in one place!!!

@suzierice9730 5 ай бұрын

Love these podcasts with all of my favorite KZfaqrs. Thank you Dawn and Christine 😊. Have a great weekend!

@zitasoregi9340 5 ай бұрын

Great conversation ❤

@maryholton162 2 ай бұрын

Financial peace at any age is awesome, but when you hit retirement, you will feel extra extra happy that you made wise financial choices when you were younger.

@findingaway5512 5 ай бұрын

Oooooo gotta love Christine. ❤❤❤❤

@user-vb6sq9ml7b 5 ай бұрын

Love videos of you two teaming up. The disembodied guy voice was a little odd. Also for anyone who needs to get out of debt (I am debt free, thank you FPU) make sure you don't give your stuff away decluttering. Make money and sell it! It helps your debt snowball! Thanks for the motivation to keep decluttering, I want to move and I am being ruthless. Would love a new moving declutter video Dawn!

@tressalewis7004 5 ай бұрын

I agree with your comment. It does become a game. I think we could look at it as being good stewards of what God gives us, not wasting any money, you ladies keep up the good work! You both are very amazing and I appreciate all the great content you put out.

@brookebales2931 5 ай бұрын

Great topic!! I follow Ramsey so loved this especially 👍 great stories/inspiration ❤ love you gals.

@glendaw5221 5 ай бұрын

Hi. From those of us who are still in major debt and are working our way out of it, this kind of video both encourages and discourages me. Sorry but it will be years before I’m out of debt even with an aggressive plan. I’m 73 and I guess I just don’t want to be debt free bad enough to give up everything to get there. I have no streaming subscriptions, no tv, a 2006 car, and buy any stuff for my house at Thrift shops. Groceries are minimal. My vices are soda and Chick Fil A milkshakes once or twice a week.

@bellaluce7088 5 ай бұрын

@glendaw It sounds like you're doing a lot of things RIGHT. Good job! 😀👏👏👏 I wonder if checking out some ideas to bring in more income instead of trying to cut more expenses might help? Sometimes it takes an outside perspective (videos, articles, even a career coach) to realize we have the potential to bring in more money. Good wishes to you! : - )❤🍀

@davidsandraramey742 5 ай бұрын

Wow! I think changing your phone is life enhancing

@donamiceli8470 5 ай бұрын

My youngest did the Dave Ramsey program in high school. I think all kids should.

@AWordofHope 5 ай бұрын

I loved this podcast ❤

@kimwestra2961 4 ай бұрын

After watching other similar videos and thank you for this video. My husband and I are doing a no spend January and only spending one day a week. The thing that I have notice that is helping me is actually keeping an actual journal of what I have spent and analyzing what I spent.

@lea5898 4 ай бұрын

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Fergus Waylen

@dorathystephanie7702 4 ай бұрын

Wow. I'm a bit perplexed seeing him been mentioned here also Didn't know he has been good to so many people too this is wonderful, i'm in my fifth trade with him and it has been super.

@damiansokratis6928 4 ай бұрын

You Invest with Fergus Waylen too? Wow that man has been a blessing to me and my family.

@adamalker71 4 ай бұрын

YES!!! That's exactly his name (Fergus Waylen) so many people have recommended highly about him and am just starting with him from Brisbane Australia

@benjaminocampo3359 4 ай бұрын

My brother and I also joined his strategy and we made massive gains at the moment while under training. I am forever grateful to Mr Fergus Waylen

@Melbn-di6mi 4 ай бұрын

Though I started with as low as $15,000 actually because it was my first time and it was successful, he's is a great personality in the state

@raqueldelorbe5277 5 ай бұрын

We did the snowball after I read the Dave Ramsey book. And it really worked for us. Consolidate your debt didn’t help me at all. It doesn’t change your bad spending habits! I have been dept free for 3 years after I did follow the book instructions.

@MsDoglover02 5 ай бұрын

My experience with debt settlement was not good at all. I had to stay on them and they were charging me monthly. I wish I had done it myself all those years ago.