I used snowball method heard from KZitem. And in 2020 I was completely broke and had almost $50000 in debt. But I decided to end debt and start taking things seriously. I cut down all expenses and worked 2 jobs and also go to college . I go home only to get shower, food and 3 hour sleep. Rest I also slept in my car but, within 1.5 year, I paid off all debt. I changed 3 Honda civic in this process each was $1100 in cost because I use to do pizza delivery as second job. Still use same car. I was only 23 year old at that time. After watching your video, you refreshed everything I use to do. Thank you
@THEJENNIFERCOOK
5 ай бұрын
You worked so hard! Great job at tacking that mountain. You did it!
@juliewilver3636
5 ай бұрын
I've been completely debt free for 8yrs.and I retired 1 month before I turned 60😅.and I'm totally retired.
@THEJENNIFERCOOK
5 ай бұрын
FANTASTIC! 🤗❤️
@mariasinclair9718
5 ай бұрын
Thank you Jennifer for another great video. This week I turned 62yrs and urge people to budget for their senior years. It's vital to do so to avoid regretful financial decisions of keeping up with the Jones and not prioritising savings. Hi from Australia 🇦🇺
@THEJENNIFERCOOK
5 ай бұрын
Hi Maria! 🤗
@earlglassco9702
5 ай бұрын
Budgeting changed everything. We actually figured out where all the money was going, and we stopped the drips. It's amazing how many things fall into place after we're faithful in stewarding the money the Lord brings our way. We love seeing how much closer to out-of-debt we are coming! Great video, as usual! Blessings! :)
@THEJENNIFERCOOK
5 ай бұрын
I love this message! Thank you 😊
@lornaramsay5616
5 ай бұрын
Something I heard recently is “your not an influencer, buy you ARE being influenced” Aimed at the “ooo I need that new candle because XYZ has it” or “I need to re-decorate because XYZ has changed their home and everyone thinks it looks great” You don’t NEED the candle, they did their job well and influenced you into thinking you needed it… You aren’t an influencer so who are you trying to impress by re-decorating just to ‘keep up’ ❤
@maria_w311
5 ай бұрын
Hi Jennifer 👋🏻 My happy place is my garden. This year, I am planting extra herbs to sell to my neighbors.
@THEJENNIFERCOOK
5 ай бұрын
Hi Maria, That sounds amazing! I need to grow more herbs this year. Thanks for the reminder 🤗
@Judith-b3t
5 ай бұрын
Sell herbs to expensive restaurants too! Best wishes.
@tgayer1
5 ай бұрын
What a great idea!
@leanbellaskitchen
5 ай бұрын
Plan and weekly meal prep helps
@THEJENNIFERCOOK
5 ай бұрын
Great tip!
@lisettecampbell2138
5 ай бұрын
Thank you for articulating this so well. Especially the distinction of being a creator or a consumer.
@THEJENNIFERCOOK
5 ай бұрын
Lisette, thank you so much! Hugs 🤗
@Midwestmomvolunteer365
5 ай бұрын
It is a mindset. I am a gardener, I wanted to buy two big planters, I mean larger than average, could not find them for less than $100 anywhere, so nope. Walked into Home Depot, found utility totes, the perfect size I need for $10.00 each, so yeah its a mindset. No one is going to know they are totes and I can do my project for what I consider a reasonable amount. I really try to be mindful of garden spending, cause well flowers and plants are my thing. Great video.
@shirleylangton7967
5 ай бұрын
I really love the last tip Jennifer! Having debt should not even be an option. Having automatic withdrawals for savings really helps with this. A budget is a given for living a sane life. Most of the worry is gone.
@THEJENNIFERCOOK
5 ай бұрын
Shirley, you are so right. Budgeting helps keep things less stressful.
@vixxcottage
19 күн бұрын
Like you in my 20s I was in heavy debt. Had no idea about money management. I did not live in a money knowledgeable home. Poverty in my childhood made me vow to never live that way as an adult. As an adult I went to college and able to get a degree and a great career. I thought that meant spend, spend, spend. I did. In my 30s I realized the folly of my actions. I started taking responsibility and cut up all credit cards. Now a senior I have not had a credit card for more than 30 years. I have no debt except a mortgage. That will be done soon. Money management is so important. Budget, budget, budget!
@GretchenIrwin-ur1tg
4 ай бұрын
I've never heard someone say it so clearly "dept is not an option" take it off the table. That is cut and dry and clear. Great advice!
@goodenoughgirl8102
5 ай бұрын
lol. Collection calls. (Way back also). Prob also why I got in the habit of never answering calls right away. 😅😅 Hah! Here to also testify about landlording. Esp if you share space with others. It’s NOT passive. It’s been quite the ordeal just for me to learn how to have sufficient boundaries with my tenants. (Although that’s not the only issue or work you’d have to do). I’d say it’s not quite as bad if you have tenants in a separate property, but it’s still very much like a 24/7 “on call” job and the weight of it is always present.
@yasmeen6790
5 ай бұрын
You always help me get back on track and remind me of my financial goals...Thank you !!
@THEJENNIFERCOOK
5 ай бұрын
I am so glad my videos are helpful. Thank you for sharing that with me 🤗
@victorwadsworth821
5 ай бұрын
Just asked checker at Lowes Garden Center if they still discounted torn bags, "yes', got bags of Cannas half price for asking.
@FRANCISJULIEN-z4u
5 ай бұрын
Fantastic, wise suggestions. Millennials greatly benefit from the content of this video about money. You are so young and so wise, I hope they listen to you. I'm in my 70s and love all of your videos.😊
@THEJENNIFERCOOK
5 ай бұрын
Thank you so much!
@KLC777
5 ай бұрын
Great video! I'm also debt free minus the mortgage!
@THEJENNIFERCOOK
5 ай бұрын
That is awesome!
@beatricealcaraz5799
5 ай бұрын
Hey Jennifer , another great video I loved all your 10 tips I thank god that were debt free and trying to save as much as possible you have been an inspiration to me god bless you for all the time you put into your videos , I hope you have a great Sunday with your family .
@THEJENNIFERCOOK
5 ай бұрын
Thank you so much, Beatrice!
@Weaverssoap
24 күн бұрын
Thank you always. My daily motivation to save
@gladyschandler6724
5 ай бұрын
Thank you, Jennifer, for all those great tips!
@THEJENNIFERCOOK
5 ай бұрын
You are so welcome! 🤗
@sandranoyd9576
5 ай бұрын
So happy to see you today. The last video I saw was 3 years old! Welcome!
@JudithMcPheron-pb9lv
Ай бұрын
Thanks Jennifer! ❤😊❤
@MsJackalMoon
5 ай бұрын
I love your videos Jennifer, thanks for all your help!
@THEJENNIFERCOOK
5 ай бұрын
Emma, thank you so much! 🤗
@jennymeier3018
5 ай бұрын
Thanks for all your tips!!
@THEJENNIFERCOOK
5 ай бұрын
You are so welcome!
@CAGChannel1
5 ай бұрын
Glad to see you looking rosy and healthy again!! I hope the kidney issues are in the past!!!
@THEJENNIFERCOOK
5 ай бұрын
🤗
@bex438
5 ай бұрын
Hey Jennifer, thanks for sharing another great video ❤️🤗
@THEJENNIFERCOOK
5 ай бұрын
Bex, thank you so much! I hope you have the BEST weekend 💓
@rebeccasaunders2657
5 ай бұрын
@@THEJENNIFERCOOKThanks Jennifer, you too ❤
@arthurmantzouris4413
5 ай бұрын
Doing yr own reasearch or taking everything with a grain of Salt...Is being smart in these days we are living in. As 2 Timothy 3:1...😊😊
@LabyrinthLabyrinth-mi4gd
5 ай бұрын
Ive never had any debt. I dont understand why people do it.
@laurennguyen1008
5 ай бұрын
My budget goal is to live within my pension most months without using my husband's social security because I will not get his SS if he dies before me. The months we pay property taxes and house insurance will not be within my pension but most months can be.
@annetteflynn8453
5 ай бұрын
What was that budget app
@THEJENNIFERCOOK
5 ай бұрын
Hi Annette, it is called Every Dollar 🤗
@annetteflynn8453
5 ай бұрын
Thank you
@shantakoa8596
5 ай бұрын
Congratulations to all the nice stories. But how did you become debt free ? 🤔
@THEJENNIFERCOOK
5 ай бұрын
Hi! I actually should do an updated video on how I did it. I'll put that on my list 🤗 Have a wonderful week ❤️
@nmkuemmerlein9996
5 ай бұрын
I love that, and tell my students: are you creating, or consuming? Be a creator!
@lorirolison2502
3 ай бұрын
🖐🥰👍
@almarielewis8072
5 ай бұрын
Budget
@angelwings1
5 ай бұрын
Our bank has a Save the Change option. It rounds up to the nearest Pound and puts it into a savings account.
@41yearoldnewdriver
5 ай бұрын
A penny saved is a penny earned. I used to be an impulsive spender. Not anymore I am saving money for a used SUV. I have my bachelor's degree.
@chrisknisley93
5 ай бұрын
One thing I have never been able to understand about "rounding up" is how do you balance your checking account to the bank balance? As someone who balances to the penny every month, that would drive me crazy
@THEJENNIFERCOOK
5 ай бұрын
Hi Chris, I don't necessarily balance my checking account. I use cash and my debit card, and I check my account every day to make sure that the days charges are correct.
@MRemes
5 ай бұрын
All about the budget. I track incoming and outgoing down to the penny. No debt.
@tressalewis7004
5 ай бұрын
I would love for you to do a video/update on your mortgage payoff❤
@THEJENNIFERCOOK
5 ай бұрын
Tressa, we are so close! I'm going to do a video on it once it happens. I know you know the feeling having paid yours off. So exciting 🤗
@angelwings1
5 ай бұрын
We track our spending with a pen & paper (in a book). It’s in the lounge where it’s easily accessible. We write in it after every spend. This helps us know how much we have left & keeps us in the budget.
@jenniferlambert3894
4 ай бұрын
Getting out of debt has been my biggest thing I've been doing the past 3 years and I'm finally be where I want to be after this year
@sandraboose3686
5 ай бұрын
Yes rounding up helps.
@MelyndaVang2023
5 ай бұрын
This is such an important video. I thoroughly appreciated it.
@THEJENNIFERCOOK
5 ай бұрын
Thank you so much! ❤️
@roseanneolejarz471
5 ай бұрын
One of your best videos. ❤
@THEJENNIFERCOOK
5 ай бұрын
Wow, thank you!
@meenakshi6344
5 ай бұрын
Great video. Thanks. The story about the valet is probably from Morgan Housel's book...most likely The Psychology of Money.
@THEJENNIFERCOOK
5 ай бұрын
Yes! That is where I heard it. Thank you for reminding me 🤗
@misslanapaulford
3 ай бұрын
I'd also add. YOU ARE NEVER EVER TO OLD TO LEARN, anything. THAT includes Mentally, emotionally and physically learning. You never ever stop learning.
@jenniferlambert3894
4 ай бұрын
Then next it's about building my savings while I continue to pay off my car
@Denisebemmett
4 ай бұрын
Blessings
@debbiecochrane8787
5 ай бұрын
Great video.
@THEJENNIFERCOOK
5 ай бұрын
Thank you! 🤗
@KS-jf2jf
5 ай бұрын
I just love your videos! You give that inspiration and boost to me to continue living a frugal, yet abundant life. I live in Toronto Canada and pretty much everyone around me complains about food, gas and housing prices. It is so true that almost everything is up, but once you learn the difference between wants and needs and realize that I can make different choices (like repurpose, go without, only shop sales,move, give up a hobby that is now too expensive). Over the years, my family and I have intentionally planned how we can inflation proof ourselves; like stockpiling food (or anything!) when at rock bottom prices, we cut our own hair, drive as little as possible, don't pay for convenience (food delivery, prepared meals, take out, coffee shops etc). The list is quite endless 😊 I would love to hear how you future proof / inflation proof your family. Perhaps a future video idea? Thank you again 💕
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