Our Debt Confession With A Huge Turn Of Events | I Am Quitting What??? 

Hello Amanda, I wish you and your family all the best. About 6 yesrs ago I had health issues and was unable to keep my job of 15 years. My car was repossessed, I was evicted from my apartment, homeless for a total of 3 years, with no credit. Most of the time I was outside, staying in hotels and my sister occasionally. I was able to rent an apartment through a friend 1 year ago. I appreciated your debt confession. Keep up the good work!! God Bless.

I love your motto, “ Do what you can with what you got.” You’ve made a lot of progress. Be proud of your accomplishments. I enjoy watching your journey. I’m new to the budgeting/savings community. I stumbled across this in January and started trying. You’re doing great because you keep trying . Thank you for sharing.❤️❤️

What you just mentioned is what I’ve been dealing with I have so many savings challenges more than I want to mentioned or confess of and I’ve not been able to complete them because there’s not enough money to go around and I think watching other budgeters on RU-vid, who are able to do so many savings challenges and complete them so well and so fast makes those of us who can’t do it Feel kind of like that we’re not successful enough because we’re not playing all the games and having all the brand new budgeting items that are coming out! This is definitely the video that I needed to see today so thank you Amanda! Definitely going to revamp my way of budgeting as well today I think I’m taking it down to just the bare bones of what we need to do and putting aside what needs to be put aside I used to have a monthly Budget system or I would just say how much I needed per month for additional that did not include expenses and that went well when I started to expand though that’s when everything fell apart! I think the only thing that I’m gonna keep on board is my empty Nester challenge, my 1000 envelope challenge And maybe a couple of very small additional challenges but you’re right it’s all about stability! Versatility and aesthetic looking can come later but being stable and having the money you need for your bills and to run your house is what matters the most!

Wow, GREAT video! Thank you for sharing your journey and this new phase. ❤❤❤❤. 0:30 Oh and of course Ink and Quill are adorable!

You paid your debt off before and will do it again. I’ve come to the realization that I will always have debt even though at times I’ve been debt free. Why? Because of life. Cars don’t last forever, homes need repairs, medical care is expensive and kids need things. I just try to minimize the damage by planning and saving for upcoming expenses. If I have to borrow I start the pay off cycle again. Being ok where you’re at and doing the best you can is all we can do. I’m glad you started your retirement fund as it will come quicker than most realize. Amanda you’re doing amazing job and I hope each year gets better and better for you and your family. ❤

I agree with your take on collections. I just paid off my 1st of 2 high interest credit cards today. 🎉 Can't wait to pay off and close #2.

Good job on readjusting your process as you are moving forward. I am at the point where I am focusing on debt. Slowed down my 401K investing, I only do a few saving challanges to get small wins for sinking funds. I started doing a month ahead and will keep what I have there as an extra buffer for emergency. I will have everything but house paid off by the time I am 60. I am almost 58. Slow and steady. Then everything will go in to savings so I can hopfully retire at 65. Keep up the great work.

Totally agree on a low income dont worry about keeping up with the Jones' so to speak. Focus on the basic needs then the debt then the other fun stuff will come in time. Thats why its called a journey. You got this!!!

❤❤❤ the video about 1/2 through.. i ❤❤ your story. Some people are embarrassed by what they've been though but to see you go from homeless to a home is everything. you keep going girl you will win.. not baddd for the Sportage. you are making great progress 👏🏽👏🏽👏🏽👏🏽👏🏽. i can wait to pay mine off

I am the same way amanda! I was working part time at $18 an hour. I was also in 16k worth of debt. (Poor life decisions) I had to file for bankruptcy. I'm only 26. Might have been the biggest mistake I've ever made. However I am loving that I don't have that debt hanging over my head. YOU GOT THIS GIRL. ❤pay down that debt!!!

I agree 👍 its the same when your car breaks down. People disappear. You are doing great. Thank you for sharing. Here cheering you on 🎉🎉🎉🎉

Great video my friend you scared me at first. Im happy for you guys . I have faith in the 2 of you. You guys will knock it out of the park and then some. You are so real and speak the true and I love it and people can take it as you are. That's awesome Amanda wow Great job on paying down your car balance. You guys areent that bad my friend you got this Im here always supporting

Hey Amanda thank you so much for sharing your debt journey with us and you are doing an amazing job. Great video ❤❤❤

The Google drive link for the freebie isn't in the description of the video. At least I couldn't find it.

Congratulations on first of all paying off all that on the car payment. After you and me talked, I am thinking about doing a few things different also. I am still going to do saving challenges for now but I am also going to focus on my sinking funds too. Have a great day!

I commend you on being willing to share your journey. If no one has told you lately, I’m proud of you. ☺️

You are amazing, you fucking rock!!!! Keep going and let us know when your a millionaire because you will be one day!

Hello, friend 😊.....I'm paying off my Kia Sportage as well lol I thought your car looked familiar 😂😂

I just wanted to take a moment and thank you for sharing your journey. I have been struggling a lot recently with trying to get my finances in order. I sadly carry my burden alone because i cant talk a lot about the finances of our household to my husband because he doesnt understand and gets very emotional. He is mentally disabled and has a significant amount of brain injuries. He was rear-ended by a tractor trailer on the highway going 65 mph and was pushed into a cement wall. He is on disability and I am trying to work as much as possible because I am the only other source of income. My identity has also been stolen 8 different times this year to the point that my name was changed on my social security number with the SSA. However SSA will not give me a new SS number, :( , We are in debt over 300,000 due to my husbands medical bills. I'm currently trying to apply for financial hardship for some of the debt. Sorry for the long comment, I want to thank you again for sharing your journey and your complete honesty.

If you are selling your cards....PRINCIPLE is a set of value systems.....PRINCIPAL is related to money. Good job recognizing corrective measures are needed to get out of debt. You got this!

Thanks for sharing, you doing a great job. Hey where did you get the confession debt? Or did you make that? I’m almost $10,000 in debt. Thank u again for sharing

I know a lot of people have a lot to say about your car payment. But screw them. No one can truly understand yours reasons for doing things and making the decisions you made. Because most of them would never be able to live through half of that you went through. I maintain that you owe no one any explanation. You just work for yourself and I can see you actually have the drive to not get back there. And the Dave Ramsay method doesn't work for everyone.

I love how you are still changing your life. I want to give you a suggestion that worked for me. I use to have a lot of credit cards mostly because I like how they looked. Also I needed the money. But i found having one high credit card is better than having so many. You have more money to pay to one.

Hey Amanda, I wanted to your description looking for the downloadable link for the Debt things that you were gonna give us for free and I could not find it

I finally had a chunk of time to watch the whole video. I'm glad you were able to pay off one credit card. I think stability is important. I do believe stability means different things to different people. For you, being in a high cost apartment was what made things unstable. You got yourself out of that. Then having a bad roof made you unstable. You got yourself out of that. Now you are working on other things that make you feel unstable. Eventually that debt will make you feel unstable. Or maybe you'll work on the sinking funds for a while and then decide to knock out a credit card because it starts bugging you or because you are so close and then go back to the sinking funds. Who knows? If I've learned anything about you, you like to change things up. And you know what? That's okay. Look how far you've come. You're moving forward and that's what matters.

Proud of you and how far you have come since I started watching you on your budgeting journey. Question regarding the debts in collections....have they been paid now, if not, will you be paying them off in the same way as you are paying off your current debts? This was a great video Amanda 💕

I am low income and am following dave ramseys. I dont do savings challanges.

Congratulations Amanda!!! Great job! 🩵

Thanks for sharing! I'm working on paying off debt as well. It is very hard on low income. 😊

Love the debt confession you videos are so informative i couldn't fin the printable this would help me

I have been where you are with 35,000 in debt on a low income. You can do this keep your head up

Managing debt is not easy. Great job 👏

I absolutely LOVE this!

I'm not finding it in the description section...

Great video! You will get it paid off for sure! April

you are doing good Amanda...don't worry about judgy people

I love this debt confession.

Great job with the car! 😊 Wow!!

Great video! Thanks for sharing 😊

I love sharpies and flair pens.

Hello😊 That debt gets us all!

Thank you!!!

Holy shit that’s a lot of money to pay off for the car way to go! I always tell people if you get used cars you get user problems! Not sure what we’re gonna do with my daughter who’s gonna be 16 in April for a car she may have to get a used car, but I always told her get one that’s in his best condition that you can then put money aside and when you can flip it and get a new car, then do it because the older the car, the older, the problems, the older, the car the harder the parts are fine the older the car Faster it’s gonna break down 38:15 38:20

You do what you want ❤ it is not none of our business😅 You have really done so good job with your car payment in 2 years. Wow gongrats for that. 🎉🎉🎉 When you were homeless you make the 1500 in a month? It is so different in America than finland. I make that in a month now or have beem making over 2 years now. It is not much but we get by somehow. 😅 We dont have a lot of homeless people in here. Town that i live in always tries to help people find roof on their heads even there were rent collections or others. Even help to pay a rent for some time if doesnt got job right away.

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I know you will get it down 1 at a time Debt feels like a mountain. I am terrified for you going into you next winter seeing what you went through the last winter when you could not drive with all the snow.

So in the US you have to get debt to get a score, hmm. It’s different in Ireland- Lisa Marie budgets daughter just did her debt confession but she earn great money so she’s giving herself 2 years to pay it off plus she’s 27 with no kids

Hello Amanda I think your doing great like you say you do you boo ❤❤❤

Yeppers

I have 2002 vw polo it cost me 500€. Works like dream. Few things had to repair in it. But i can do it myself. . Before i had a 10000€ Merzedes benz repair cost was in 2 years 20000€. Never again. No thank you. MY 500€ is cheap and works for my current situation. If i had like doing job with my car. It would be different thing. Then will buy car that lasts longer😅😅

You forgot to put number on credit 3

I jealous you have a sweatshirt on in June….

Love it you keep it real

Your debt is 209 you just counted 112. Put that on debt is 97 left to pay. That's one debt down .

We will be debit free

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