How This Frugal Family of 4 Paid Off $96K in Debt & Built a Custom Tiny House

Published on February 18, 2022

Best videos relevant with unsecured Debt Consolidation Loans, Unsecured Loans, Cash Advance Loans, Debt Freedom, and Are You Considered Debt Free if You Have a Mortgage, How This Frugal Family of 4 Paid Off $96K in Debt & Built a Custom Tiny House.

After finishing school, Jocelyn and Jarvis had $96,000 of debt from student loans, credit cards, and buying a small rural property. This is the story of how they paid it off in just 20 months, and then built themselves a debt-free custom tiny house for their family of 4.

After ignoring their finances for a long time, the couple finally faced reality one night when they sat down and added up all of their debts, and compared it to the revenue they had coming in.

When they realized how much they owed, they decided to make some drastic changes so they could pay it off and stop worrying about money.

To start, they moved to a smaller apartment, changed jobs, shopped second-hand, froze a credit card in a block of ice, switched to using cash only, and made a budget that allowed them to chip away at their debt.

They had a white board with a list of all their debts, which they updated every time a payment was made so they’d continue to be motivated. After 20 months, they were completely debt-free. After that, they continued with their minimalist, frugal habits and were able to save up enough money to build themselves a custom tiny house on wheels.

They’ve been living in the tiny house for over two years now, with their two children, and plan to continue living in it for as long as they can. They are currently saving money to buy a small acreage where they will build a larger off grid home and keep the tiny house as an income property.

We’re very inspired by this young family’s dedication to improve their lives by paying off their debt, by their awareness of their energy consumption, by their efforts to buy less and live a low waste lifestyle.

They’re trying to make positive change in every aspect of their lives, and that’s not always an easy thing to do.

Thank you, Jocelyn and Jarvis, for sharing your story with us! And for the beautiful day we spent at your place!

Thanks for watching!

Mat & Danielle

PS thank you to all of our Patrons who support us so generously and a very special thank you to our backbone supporters: The Burgess Family!


Facebook: /exploringalternativesblog
Instagram: @exploringalternatives


We want our channel and our comments section to be an inclusive space where everyone feels welcome to watch and to contribute. For this reason, comments that are inappropriate or hateful will be reported and/or deleted.

Please discuss and debate with respect, and report inappropriate or hateful comments directly to YouTube.


A very special thank you to our subtitle and closed captions contributors!

If you would like to contribute subtitles or closed captions to an Exploring Alternatives video, please click here to see which ones need your help:


We occasionally include paid sponsor messages/integrations in our videos to help fund the channel. We do our best to work with companies and organizations that offer products or services that are in line with our values, and that we think would be interesting and useful to our viewers.

We will always disclose if we’re promoting products that were given to us for free, or if we’re including a sponsored message in our video.

For business or sponsorship inquiries, please email us at


Music & Song Credits:
All music in this video was composed, performed, and recorded by Mat of Exploring Alternatives.

Editing Credits:
Mat and Danielle of Exploring Alternatives

Filming Credits:
Mat of Exploring Alternatives

Construction Photo Credits:
Jocelyn and Jarvis

Are You Considered Debt Free if You Have a Mortgage

Are You Considered Debt Free if You Have a Mortgage, How This Frugal Family of 4 Paid Off $96K in Debt & Built a Custom Tiny House.

Debt Free – The Long-Lasting Adventure

Do not think of access to debt as a status symbol. You need to understand that negotiation is an art. An excellent example of this remains in the housing market.
You may have seen the truth TELEVISION program Pawn Stars.

How This Frugal Family of 4 Paid Off $96K in Debt & Built a Custom Tiny House, Search most shared replays related to Are You Considered Debt Free if You Have a Mortgage.

Student Loan Freedom – How To Leave Debt Concerns?

Paying the price of getting a lower rating is way better than losing your reputation permanently. When you are one income from insolvency it is a lot easier to live by your concepts.

Credit cards, and revolving credit in basic, can be both a curse and a blessing. When you are short of cash and have an emergency, it is absolutely a true blessing in a time of need. Regrettably it becomes a curse if you are not able to repay it on time. There are a couple of simple things you can do to much better handle your revolving debt, that includes charge cards, gas accounts, and outlet store cards.

For all your Secured Debt s, you will continue paying the routinely scheduled amounts. You will not make any extra payments unless you have no unsecured financial obligation to pay. If this is the case, follow the waterfall technique outlined below to settle your Secured Debt more rapidly.

You would not have repaid any debts in genuine as you would have used obtained money to pay back borrowed cash. However, all your confusing charge card computations will come to an end. You will have to deal with just one loan provider, one loan account and one due date.

Settlement and management both work by getting the principle amounts owed minimized. Resolving debt relief companies instead of consolidators, a consumer can be Debt Free in 12 to 36 months, and still have the one month-to-month payment strategy that combination uses. They both make sense. The customer manages to eliminate his/her financial obligation, however doesn’t take fifteen or twenty years to pay back a big loan. A few years can make a huge distinction.

Types of credit accounts open – Credit cards are called Revolving Debt. Due to the fact that of those minimum payments that are due with no genuine plan for reward, I suppose it’s. The debt simply keeps revolving month after month. The more revolving financial obligation you have the lower your rating will be. However, all of these credit cards might not be reported precisely. Something as simple as an incorrect credit limitation could be injuring you. Possibilities are you can contest these products while fixing your credit and increase your score. Credit repair can help tidy up these errors.

On the other side make certain you represent all your spending. Every last dollar you invest needs to be in your budget plan. Home loan payment, rent, electricity, car payment, charge card payments, insurance coverage, kid care, medical, car upkeep and any other month-to-month expense. Likewise if you make a one-time purchase then you require to find out where in the budget that fits and add it too. So if you purchase a hammer at the hardware shop then you better have a line product in the monthly budget plan to represent that purchase.

There is a big mistaken belief that credit is the only way to get the things we desire and need out of life. Individuals are over spending and living beyond their means. I’m not stating that you should not desire nice things, however you should not offer your soul to get them. $10,000 in credit card debt could quickly a 10-15 year obligation if you permit it to be. I desire you to see in your mind’s eyeborrowing $100.00 however repaying $1000.00 sounds crazy right? Well that’s why you need a financial obligation free solution.

It does need commitment, it does require work and effort, it does require determination. You have to examine your requirements versus your desires. They are distributing totally free cash to those that they believe deserve it.

If you are looking updated and exciting comparisons related to Are You Considered Debt Free if You Have a Mortgage, and cash Rebate Credit Card, Eliminating Debt Is Real you are requested to signup in newsletter for free.

  • Leave a Reply

Enjoyed this video?
"No Thanks. Please Close This Box!"