3 Year Debt-free Journey Anniversary • Real Numbers • Debt and Savings

It's time for a debt update and a debt confession!

Today I share the good, the bad, and the ugly with you.

Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was .....

#debtconfession #dowehaveaproblem #keepingitreal

AMAZON STOREFRONT:

FILMING STUFF:

FOREVER FREEBIES:

💌S N A I L M A I L:
SnowGardener307 aka Marlene
PO Box 281
Pinedale, WY 82941

EMAIL for Business Inquiries Only:

S H O P S & R E F E R R A L S:
Forever DISCOUNT Code: KEEPSMILING
DISCOUNT Code: KEEPSMILING
• FETCH - Referral Code- 1MTUEY

DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner based on your circumstances

[firewifesavingslife]

I truly appreciate your honesty and your vulnerability, and I think your video has truly opened my husband's eyes a little more & has gotten him even more on board with this cash budgeting lifestyle with me. You & your husband have still done an outstanding job at saving & building up a stronger financially stable foundation & even though you now have more debt, you have learned to be wiser in your management of it & handling it accordingly & in a way that still serves the needs & wants of your family well. Great job, Marlene!
💙🩵💙

[KatieoftheHouse]

I love that we can talk about finances in this community. Especially with debt, I feel like it’s important for people to talk about it because most people think that everyone else can actually afford everything that they buy, and you don’t see the debt behind the lifestyle.

[sydneysmith]

I found the budget mom first she is fantastic then found the rest of this amazing budgeting community ❤ love your videos which is why I’m watching older videos

[thethriftysewist]

I love how you have separate finances from your husband. I do as well and I feel like a lot of other YouTubers who are married have joint finances so it’s nice to see something different.

[TaraannBudgetsandSelf-Care]

I love the honesty. And truly the truck was needed for the business and the work on the house increases the value of the house.

[MindYourMoney]

Starting a business 💪🏽 flex ! I appreciate you being candid and showing us how real life happens. Debt freedom journey is a JOURNEY. So you are being so strong and consistent. I'm cheering you on. That business will grow, and prosper!!!

[Texaschik]

I think y'all done pretty good when you look at EVERYTHING. I love budgeting and everyone's journey is different. Most of all we have to enjoy life too. Thank you for being so transparent with us. ❤

[TaylahLouiseBudgets]

What an excellent update! This is incredible growth ❤❤❤

[OrdinaryEverydays]

It’s great seeing the full financial picture - awesome video. Even though the debt went up, so did your savings!

[BudgetingwithTracey]

“ Did I need a new car, no but I wanted one “ this is so me 😂 Thanks for sharing your journey 😊😊

[matthewhenrikson]

Outstanding job. What a amazing accomplishment. Over 100k of less debt, plus remarkable savings . You have proven how well the budgeting system works. Excellent video.

[InTheBlack]

It's great that you have 3 years of data to compare and keep track of. Life absolutely happens, and it's rare that finances are just plain sailing, especially in our time of life, raising families etc. It sounds like you guys are making great progress though.

[angbudgetanddebt]

Hi friend! I’m here listening while cleaning up the kitchen!! 💜

[CathysCashCoin]

Absolutely amazing savings Marlene! The growth of you and your hubby is amazing!! I agree that this community is the best to share. I was terrified to do my debt update a couple months ago and I’m so glad I did. The support was fantastic! 💚😊

[GreenRainCheryl]

Wow!!! fantastic job on Savings!!
Y’all have a plan to get rid of that debt in place as well ❤👏🏻👏🏻
So awesome!

[RobinsDocumentedLife]

This is great, and you're still living your life and doing home improvements. You've made huge improvements and that's great. I'm just starting since last Sept, with only side hustle money right now, and I'm doing good things too! New subbie!

[BudgetsWithBess]

Thank you for being so transparent with us. I definitely felt bad that my debt went up but so did my savings. All of our journeys are different and that’s real life. 💕

[OneFrugalIntrovert]

Hey, Marlene! 💜 Listening in while working. Letting the ads run!

[lizandless]

Aww, I love that background into your history! It was so good to hear all you've endured!

That HSA is amazing!

"It is what it is". Truer words have never been spoken.

Your savings def went up! AMAZING.

[sandrak]

Great update Marlene! You are doing amazing ! What helped me was when I started budgeting I finally looked at our debt totals. Now I have a great feeling seeing our total debt go down. I still get mad at myself for not budgeting sooner. It helps though watching everyone else’s journey and keeps me motivated. 🥰