I'm Doing It Again! My Second Debt Free Journey!

Cars are a necessity- brand new cars are a luxury. I can’t imagine spending $80,000 on cars. My husband was laid off twice during the time we’ve been married. Debt =risk. We bought a 2016 Honda CRV a year ago with 30,000 miles on it. We were able to pay it off in 14 months because it was $20,000. I don’t mean to sound negative but a new house and (luxury) new cars sounds like a risky bet. I would have just gone used and beefed up the emergency fund for any potential repairs. My daughter drives our old 2006 Honda Accord because the car insurance alone for a 19 year old driver is a car payment. 🙊 Since I just realized this is not a financial channel but a lifestyle channel I thought I should leave the safe car buying rules for those considering buying cars. 20-3-8 plus match 20% down ( to beat depreciation) 3 year term 8% of net monthly income ( the money guy says gross but who lives off gross?) + match. You should be investing more than your car payment. These are the safe car buying rules. I’m out for real ✌🏽

Reliability and Volkswagen in the same sentence is crazy

80k on vehicles is 🤪

Thats why I love being a mechanic. Because it saves me so much money by just fixing the cars I have.

Hey Danielle! Catching up on your videos. This video is very helpful. I am about to embark on a journey of paying off some things. Appreciate your wisdom and transparency ❤

If you got yourself out of debt once you can do it again🎉🎊. I’m now debt free and it feels so good. I stuck to budgeting, cash stuffing and the debt snowball….still doing it and sharing my journey😀 Yes you are right about debt snowball and debt avalanche 😀

You are such a great resource thanks for the motivation.

You go girl! Please keep us updated!

Absolutely Awesome 👏🏾

This video will really help out a lot thanks ❤

Very interested looking forward for the next episode ❤❤❤

I'm so glad I ran over your video!!!! I'm 32 and I am in the middle of my own journey of becoming debt free!!!!! Student loans are the last two big things!!!! im still trying to figure out a payment plan for that!

This is motivating. I really need to make a budget and stick to it 😫

This is definitely a lifestyle channel. Over and out.

Love it! I’m gonna try the app

I’m definitely enjoying this video on finances of which you can never get enough of; and looking forward to the next one; as I might be interested in purchasing another vehicle.

Whoa those car prices are crazy. lol.

I switched my audible subscription to Spotify. The premium plan now allows about the equivalent of a book a month in it. Then, after 6 months of doing this audible sent me a re-subscribe offer with 3 months for $1.99 a month. I did that for 3 months to stock up on some books and used it in combo Spotify. It wasn't as huge a savings as renegotiating car notes and electric....but it was a nice feeling! All up, auditing and strategising and renegotiating my subscriptions (not just audible, Spotify, amazon - but cloud storage, newspapers which make my work easier, home security systems and vitamin subscriptions) has got me saved about $40-$60/month which is auto drafted onto my student loans. Will be paid off by October at the latest!! 🤩

Hi! Can you clarify which app you are using? Is it the Savvy Debt Planner one? There's a few that come up on Apple Store

I just became debt free a month ago 🎉you got this