How I Live Completely DEBT FREE

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About 2 years ago my husband and I were living with over $70k in debt. This debt was literally looming over us like a black cloud. We KNEW it was there but we didn’t really want to face it. It felt insurmountable and with our monthly bills, we thought we’d NEVER be able to pay it down.

But, thanks to some dedication, a proper budget, (and lots of motivation) we paid off about 85% of it within the first 9 months and the rest within about 15 months. Now we live debt-free. And let me tell you something – it’s the best feeling.

I want you to know this wasn’t some overnight success or get rich quick scheme. We’re just average people who finally took the steps necessary to take financial control of our lives for the sake of our future. (Read our full debt story and how we got out of debt here.).

Now, getting out of debt is one thing but STAYING out of debt is another. So, today I want to share how we’ve been able to stay out of debt and life a debt-free life.

POSTS MENTIONED

How We Paid Off $70k worth of Debt: https://www.butfirstcoffeeblog.com/how-we-paid-off-over-70k-in-debt-in-1-year-a-no-bullshit-guide/

How to Create a Proper Budget: https://www.youtube.com/watch?v=QcJGgJGnSkE

Learn to Stop Overspending Once and For All

How To Stop Overspending Once and For All

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Where else to find But First, Coffee and the creator, Kallie Branciforte:

My Blog: www.butfirstcoffeeblog.com
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Disclaimer: This is not a sponsored video. I do not accept products in exchange for a positive review and so all thoughts, opinions and words are my own. All products were purchased with my own money unless marked with an asterisk (*). An asterisk signifies a product sent to me for review or as a gift. Some links in this description may contain affiliate links.

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Hi I’m Kallie Branciforte from But First, Coffee! I’m glad you found my video! I’m the content creator for the blog and YouTube channel But First, Coffee.

Here you’ll find videos on topics like best drugstore makeup, DIY, beauty tutorials, life hacks, and everything else a well-caffeinated woman needs to know! IF IT SAVES YOU TIME OR SAVES YOU MONEY…I’M MAKING VIDEOS ABOUT IT!

If you wanna know some more, check out my about page: http://www.butfirstcoffeeblog.com/about

Watch my vlogs: https://www.youtube.com/channel/UCkYNT4jsaEoyctqRDNL3Bpw

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What Is Debt Free, How I Live Completely DEBT FREE.

Living Debt Free – 5 Ideas For Preparing A Household Budget

This is why most individuals see financial obligation settlement as being restricted to just unSecured Debt.
Being debt-free allows you to take risks in life that you just could not take being strained by financial obligation.

How I Live Completely DEBT FREE, Find more explained videos about What Is Debt Free.

Used Cars As Part Of Debt Free Living

Any such debt offered to you without an undying asset is called unsecured financial obligation. Feel like you’re not making a damage, at all, in your financial obligations? Constantly ensure to pay your costs on time.

There are 2 types of debt, and some extremely reliable ways to remove them. That’s what this article has to do with: what protected and unsecured financial obligations are, what personal bankruptcy is, and how to file to successfully discharge all your major financial obligations. This guide specifies essential terms in order to make the process easier.

Contact your financial institutions prior to signing up for a Secured Debt combination loan. Numerous business have alternatives for reorganizing your payments, so that they’re directly paid.

For instance, a nineteen years of age can have an 800 credit history however they can’t always purchase a house, right? So while credit report are necessary banks take a look at income financial obligation ratios (DTIs) and job stability simply as much as the credit report.

Oh, oh, that is just what I said it is coming out of the pockets of the resident. Who would have thought that the public would be settling the financial obligation of people that they don’t even know? Ouch, that hurt. Do not anguish now, everything is going to be all right. Those in charge understand just what they are doing and they plan to keep right on doing it. They are handing out complimentary cash to those that they think deserve it. Totally free government grants for debt relief are meant to make life easier for a picked few by providing an easy way of becoming Debt Free.

The next step in the financial obligation snowball technique needs you to know your income and other expenditures. You need to understand how much additional earnings you can pay towards the tiniest debt. For instance if you make 2000 dollars a month, and without including your Revolving Debt you understand you owe 1200 dollars to other set monthly costs, gas, and groceries, then you have 600 dollars left over for the credit cards. , if you have revolving credit financial obligations and the month-to-month minimum includes up to 400 dollars you have 200 dollars left over.. The 2 hundred dollars should be used to the most affordable financial obligation.

Here is an easy example of the impact that interest has on the price of a product. The actual expense of the purchase is $110 if you buy an item for $100 on credit with a 10% interest rate over one year. Therefore, you have just increased the rate of the item you purchased by 10%. The result is that you pay excessive for the benefit of not spending for it today.

Step 5: Stabilize your budget plan. As soon as you’ve completed the task of noting all your credits, expenditures, and debits, you’ll require to balance your budget plan. One a sheet of paper, you need to note your credits on one side and include them all at the bottom. On the other side you’ll need to note all your debits which must include your revolving debt and costs. You’ll discover where your budget is well balanced or not.

There are lots of factors to consider and much research study that needs to be done before jumping off of the cliff. After all, that’s what got you into debt in the very first location isn’t it?

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