STARTING MY DEBT FREE JOURNEY | 😱70k plus in DEBT | SNOWBALL | HOW TO BE DEBT FREE | BUDGET FOR 5

Hey👋🏻 In this video I get REAL about money $.. I’m in a tremendous amount of debt! I want to inspire & motivate others to start their debt free journey! I really hope you enjoy💗 God bless you all!🙏🏻

#Zerobasedbudget #budgetwithme #monthlybuget

🔽 BUDGET INFO 🔽::
Budget Journey Start Date: Sep. 15, 2021
Debt Amount: Around 70K
Budget Method: Zero-Based Budget (Taylor Budgets Inspired me) Cash Envelope System

🔽. PREVIOUS VIDEOS 🔽::

November SINKING FUNDS UPDATE ::

November Week 4 Cash Stuffing::

November Budget With me Week 4::

November Monthly Budget::

🔽 LETS BE FRIENDS 🔽::
🌻Add me on Snapchat:: @Raneller97

🔽 SUBSCRIBE 🔽::

🔽 THINGS MENTIONED 🔽

🔽Fetch Rewards🔽::

Referal Code “2G9HJC”

🔽 FILMING EQUIPMENT 🔽::
Camera: IPhone X Max
Software: iMovie

🔽 About Me 🔽::
Hey 👋🏻 I’m Ranelle. I am 24 years old, budgeting for a family of 5!! I am newly engaged. A momma to 3 beautiful girls! I work full time as well as being a stay at home mom. I was in college for about 2 years but never finished (Part of my debt.. Student loans).

I found cash stuffing videos on YouTube and instantly was hooked!! I lived paycheck to paycheck, and had no idea where my money went.

I wanted to find ways to save and pay off my tremendous amount of debt. But how with a zero-based budget…😟
It’s definitely possible!!!! So follow along my journey to being DEBT FREE, along with saving for a HOME 🏡 Car 🚗 and my Wedding 💍👰🏻‍♀️
I promise I will reach my goals!! All in the name of Jesus!!

[lyfewithmeka]

The whole country is in debt. Don’t feel bad. God is a provider and he will see you thru.

[menaelle]

Seeing how much your hospital bill hurt my heart, being a Canadian it’s unfathomable that you’d have to pay that to give birth to your children. Thanks for sharing your journey, it takes a lot of courage to put yourself out there! You got this!!

[KaliAlexandria]

You got this mama!!! Thanks for your transparency 💓

[sukuluali]

The first step, and consistency is the key girl....you got this. I am finally financially free and it was a struggle. The snowball effect is the right way to go. I will wish you all the best on your goals

[naseebah]

You can do this! You guys can get rid of all your debt! I believe in you guys! I hope you build your credit points and you’re debt free in how many years you can do it! ❤️

[StRomick]

I have been super fortunate to stay out of debt, even with school, but it is so cool to watch you work on your financial stability for you and your fam! You got this!!

[AliciaDoes]

Your hospital bill breaks my heart! I'm battling with medical debt right now too so I can understand the fear and anxiety that comes with those massive bills. Great job on already making a snowball payment! Great way to start off this journey!

[thezenlife]

Girl, take some time to look into the medical billing, you might be able to get your bill adjusted! even if you can't it's worth a shot looking into. I'm sure you're overwhelmed, but if you look at your debts so many of them are mosquito debts. they're so small and are just bothersome. Keep your head up. with the snowball method, you will have quite a bit of them paid off in no time! I'm rooting for you, I believe you will make it through this stronger than before!

[meloflori]

I'm so happy that we all have health insurance here in Germany, even if someone doesn't have a job. Thanks for your honest video.🤯🤯🤯

[ZoeysMusings]

Appreciate your honesty and vulnerability. You've got this 💪🏽

[Ashleysoccer]

I just found your YouTube channel and this is the first video I am watching! Thank you so much for sharing this information because you are not alone! You are taking all the right steps to pay off this debt and we are all here to support you through it all! Being an adult in todays society is so hard, but just keep your head up high and you got this!

[jenshark]

I’m so happy to see that you are prioritizing you M and J loans. It is so important to pay back those personal debts.

Have you considered filing bankruptcy? Based on what I have seen you are insolvent and filing bankruptcy may help relieve you of some or maybe even all of the debts in your name.

[imeldacampos]

Thanks for sharing no judgement we are all here for the same reason. Everyone's debt free journey is different but we're working on getting to $0. we'll get there.

[TarynTerror]

Have you looked into financial aid or charity care for your medical bills. With the extent in the amount you both owe I would look into it. Even if it doesn't cover all of it. Anything helps when the amount is that high.

[afrugallittlelife]

You are not alone! So many of us have been through the journey or is on the journey. It took me years to pay mine off but it’s possible, you can do it ☺️🙏🏻 🤯🤯🤯

[pgbudgets]

I could never afford to have a baby, the health care system is messed up here in the US.

[LadyRedBird]

Thanks for being so open and raw about the debt. My husband has over $100K alone in student loans. Along with other debt. I am thankful I am not in debt at this time. You're doing awesome though!

[PattieM]

If you want his credit score to go up for a business loan don’t go debt free. He pays off things his score will go down. Credit score is based on debt. Take everything to under 20% and pay off medical and personal loans.

[devilshorses]

If all your credit card debt is in collections add up your minimum payments then call the lowest debt collector and ask them to take that money as paid in full...you could pay off one a month.

[Iimonysal]

Thank you for being so transparent with us about your debt repayment journey. You can do this!!! 😊