Lies People Believe About Getting Out of Debt
Getting, out of debt is possible. And I'm, here to tell you that you can love your life while doing this. All. Right when you hear the words. Debt-free. What. Do you think some. Of you are thinking that's impossible. That can happen to other people that cannot happen to me some. Of you are like oh no it's, happening I'm doing, it I'm on the debt free journey and it's going to happen some. Of you are sitting there if you like it is 100 percent possible, because I am debt-free, but here's, the deal no matter which, camp you're in it is, a countercultural. Way of thinking, of living, debt-free, living, without debt not, ever going into debt that, is so weird, but, here's the deal many, of you guys watching probably. Have debt in an order to get out it is, going to take a lot, of work because. You can wander your way into debt you cannot, wonder. Your way out it is going to take sacrifice it's. Going to take discipline, but, it is possible, and it is so worth it to have no payments, and to, be debt free but. While you're on this journey you're going to hear some lies out there like, yeah. You cannot, get a nice used. Car it's just not out there you're, also going to hear you, cannot have any fun while you're getting out of debt it's a miserable life, you're going to be in you're. Also going to hear there's no way that you can eat healthy without. Spending a lot of money and going. Into debt for it like there's just no way there's no way you can eat healthy but. Listen we're gonna bust all of those myths and we're gonna bring a couple on who's in the middle of their debt free journey and, they are having a lot of fun trust me you'll see and I'm also going to bring on my friend and dietitian, Jenna waters to help us learn how to grocery, shop and, eat healthy on a tight, budget, now. One common thing I do hear, from people a lot is that they really believe that everyone. Else their, friends, or family they, have it all together and that, they are the only ones, who, are stressed, and struggling, with money which. Is a lie. Last. Year I was at a speaking event in a book signing line and this, girl came up and I was signing her book love your life not there since she was like Rachel I can't wait to dive into this but, I have to tell you I'm, living paycheck, to paycheck and. I, looked at her and I gave her the biggest hug in the world and I said girlfriend. Listen. That's not gonna be your story soon. Because you're gonna learn the budget you're gonna get out of debt it's not gonna be you forever but.
You're Like majority, of people why are you whispering it's okay it's okay to claim, where, you're at because you're about to change because majority, of people they, don't have it all together you guys okay the, Joneses, are broke. 78%. Of Americans live, paycheck to, paycheck, the average family in America has. $15,000. On average. More, baby boomers are still paying off their student loans than Millennials. Okay this, is normal the average car payment in America plus, of, $500. This, is where people are living that that, is normal but you my friends you are going to be weird you're gonna start down the step free journey you're gonna look different than everyone else but that's okay. You don't have to believe the lies that your life can not be enjoyable, while you're getting out of debt because it can be and that's what this show is going to be all about all, right coming up next we're going to debunk, the lie that you can't have a nice used, car. Feeling. Safe at home for me is a top, priority especially, since having kids it's always on the forefront of my mind, simply. Safe home security has, given, me the peace of mind that no matter where I am the, things most precious, to me are safe simply. Safe is a smart, and affordable way to secure, your home and protect, your family there, are no contracts. Or, long-term commitments, and you can even customize it, for your home specifically, and guys it is so easy, to install you, can do it yourself and, have your whole house set up within an hour and, Winston's. Favorite feature is checking, it on our phones while we're on the go start. Monitoring your home around, the clock with simple say for just under, $15. A month go, to simply safecom. Slash Rachel, right now to, get peace of mind without. Breaking, the bank. All. Right the myth out there that I hear all the time I can't, buy a nice, used, car for my family and I also hear people say I can't. Buy an affordable. Safe, car I have to have a safe car for my family, listen, people you. Can buy a nice, used. Car I am Telling You that actually, the Lexus SUV I drive is 10 years old and it's beautiful.
She's Gorgeous. Trust me okay you, can buy a nice used car a lot of people say well. You just have to spend tens of thousands. Of dollars trust. Me I have seen plenty of nice even, luxury, brand cars if that's what you're looking for please do, not find, to the lie that you have to go buy a brand, new car. No. There. Are plenty of people who have had nice, use. Luxury. Brand cars again that they pay for cash just. Go on Facebook marketplace, or Craigslist, or take a look at a few of these cars that we found yeah these great cars guys it can, be done and maybe, you're, currently, negotiating for. A great used car well, if that's the case click, the link below for a video to show you how to do, it all. Right let's break down the idea that you cannot buy a safe, car, that. Is affordable, people. Our, safety meters, gone a little crazy though because can, we just say that I want, you to go ask your parents, how they drove, around when. They were kids yeah this. Is probably not a great example to use out there but, I remember. Going to my grandmother's house we should have this huge, blue van and my, sister and I would sit in the floorboards. With our big bins of Barbies and we'd sit there and play it all the way to my grandma's house now I don't recommend, that but, I feel like people believe now you have to have like 18,000. Airbags and like 16. Buckles for your kids and their car seat so listen your car is going to be safe unless you buy one that's like made before night team like 78, or something everything. Is going to be okay you do not have to go buy a brand-new. Luxury. SUV, the moment you have a baby okay we're all gonna be good and listen here's, a top-five. List of, the safest, and most reliable, cars that you can buy for, under $5,000. Ready, a Honda. Civic great, car Honda, Accord love it Toyota, Camry mmm-hmm, Toyota Corolla yes and Toyota, Avalon. Toyota. Man my. Jam, I love Toyotas, they're the best and they last forever people. I don't. Get Commission's on Toyota's sales but I love it I really do okay, so now here are some examples, of ads that we found on Craigslist and Facebook, marketplace, here. Is a 2003. Toyota, Camry, here's, a 2005, Honda, Accord, and you know what I bet you can talk them down to 4000 if you had cash that's right, okay guys that just took us like an hour to find these cards you can actually take time and research, and these sites are constantly, updating, so you, can find a great car now, keeping, our family, safe is very. Important, when you shop for cars and it's just as important, to keep your family safe at home, it's another, misconception, that home security, has to break the bank simply. Safe starts at just 15. Dollars, a month and there's no contracts, there's no long term commitments you, can customize, it for your home and get exactly what, you need for your family I'm telling, you it is so easy to set up and you'll. Have it up and running in no time when soon and I love the fact that it's easy to monitor on our phones while we're out on the go it's, one of the best investments. That you can make in keeping your family safe and, we, all like to save money right having. An alarm system can actually save you as much as 20%, on, your homeowners insurance in a, year, so, to start, protecting your home, and your, family head to simply, safecom. Slash, rachel all. Right coming up next I'm going to debunk the lie that you can't have fun while getting out of debts I'm gonna introduce you a couple, who is having so. Much fun while paying off their debts so check, out their story. I was, just living a life that was just you could just feel the weight of the world on my shoulders I just started getting fed up with the way things were.
We Just didn't feel like we had any, freedom. And I also didn't really know like where, was we, had this money where is it going we're trying to get to a place in life but we can breathe. Our. Church. They, just put up on on the screens hey we're doing Financial, Peace University we. Just looked at each other say hey we just got to do it wasn't it was almost as a matter of fact it was something about the word financial, and peace was this it was perfectly named it really was because, I wasn't having peace our. Finances, work there was nothing peaceful about it and even though it was hot coming to terms with, okay. We need to make some really big changes he felt, hard but we were up for it we were like yeah because what we were doing was just not working once we got through financial peace we immediately the BMW had to go the motorcycle, had to go if we haven't used it in the last month, we're selling, it out and we did we started just paying, everything off snowballing, as that was happening could just you could feel the freedom. That amazing. It still feels I mean don't feel pretty good watching, Dave's, youtube channel and you constantly seeing people screaming, their necks off like I'm out I'm out I'm free debt-free and I'm like yeah I'm gonna be nice you want to be those people so desperate, as a sacrifice, in the beginning that you have to make but the, thing was is that our goal we, didn't want to go back to where we were so, making that sacrifice for that short amount of time was. Completely, worth it this is our new excitement, in life you, know the cars and the stuff and, all that that was fun but this is more. Surreal because square, achieving. Something. Phenomenal, you know when baby says - so this is still a journey to go but man we're not where we used. Well. Thank you guys so much for coming in you got their story, I love so much so to, kind of jump right in you guys are currently on baby. Yeah. Okay so take me a little bit before the, journey and I was just literally, remember, being every time we swipe the card the, the pressure was it was like it was like a knife wow that should we be swiping his card you know I did. We get here, yeah like yeah how did we get in this position with, all this debt and. We. Don't know what to do yes so how much debt did you guys have so we had about ninety, ninety, two thousand, in debt yeah after all is and. What was it was that credit card student loan oh it, was credit, card student loans we had a cars. Motorcycle. I mean we would just you know so. Everything, you just listed, to me you're like cars you, know credit card damaged by a lot of stuff you know motorcycle. Everything, from, the outside looking in just looking at you guys you guys probably like looked like you had it all together though like yeah I've had some great stuff did you look good to people that didn't know the money situation yeah we looked we look normal yeah normal, we like, all of our neighbors but we didn't realize how, bad we were in debt until. We sat down and, we listened about everything, and I cried, I was like and then you think you're doing good cuz you you you. Every, couple of weeks you pull out a pencil, and paper, and you're writing down numbers to make sure you can pay your bills but that's. Just not enough to pay the pay the bills yes your, status quo you're not getting, anywhere yeah so you guys got to a point with your money that you're like okay we're just like piecing. Things together we're trying to pay the bills we're, starting to feel the pressure art we're feeling, the stress yeah what, was the moment that you said we have to change and do something different well. I think was. It sure it was a church yeah, yeah it definitely was a church cuz we you know you walk in there just feel. Like it's another week heavy hearted you praying, that God comes and reveals, themselves that.
It. Came up on the screen hey, we're doing our next course of Financial, Peace University and. At. The end of it like they'll like nudging each other Jeremy, was like babe. Financial. Peace it was just like the perfect. Financial. Let's. Sign up we, did and we did we got in there and III. Was, a little bit apprehensive because I always thought I was a good budget oh yeah yes but, so what did budgeting look like for you when you thought oh I'm a good budget or what does that mean it was you know write. Down my bills what, had to go out and what's left and how do I allocate that money and, that's easy to do when you're single and you're young you know pay ran so, then Deering Financial Peace University what, was their like what were your big aha moments, of like oh wow we can do this and like oh we're doing it wrong like what like what were you done, for. Me was. We. Are, sending. Other people, all that money, why. Don't we as pretty as everybody, else. You. Take some money you take. It. Was tremendous, it was, first the feeling of my god why today I didn't know this information sooner yeah the weight, of the the gravity. Of that just hit me like my god had I done this, even. A couple years prior. And. It was we wouldn't have done it so, but we fortunately had a great. A great coach and. That and he said hey that was then you know now it's right yeah so we. Drew the line in the sand and say okay here's the game plan and where, are you guys at right now how much have you paid off just, about seventy thousand you guys yes, you're, like way, down the road yeah we got rid of those big ticket items that yeah. The. BMW. Just. It was it hard selling the cars cuz we tell it to do like eight people were like if you can get it we did the math and we I think the cause was, what we struggled, on the motorbike and the carbs will be struggle because we had a. Highway. And you know that's tough but then we, did the math and the math became, more attractive, to us than the exact, and, and that lifestyle, that we wanted, and we wanted a more enduring. Lifestyle, yeah yes, permanent, situation you, guys are killing it I'm serious I'm like you're doing you, made such progress and you have made this physis right like I mean we talk about when you go into debt you can wonder your way and you cannot wonder your way out you know to be intentional you have to have sacrifice yeah, so what, his life looked like and maybe sup - have you had fun yeah maybe said absolutely. Yeah honestly part of the fun is seeing that you're getting out of this reality. Yeah, my I don't I'm not straddled. By that he that, huge amount of death yes it's, so. Close, yeah. We find that we're doing more now than. We were before. Wow and it. It. Takes more planning, absolutely. But there are so many things that you can do for free there. Are so many ways you can get discounts we're always online hey, let's sign up for that email we can get 20% off yes that's, right that's right you can always be a spontaneous but, you get to do all this other and. It makes you get creative - so what are like the favorite things that you guys have done with the kids wall and baby so dude I think sometimes you know Rosanna's really good about just. What. Will pack some lunches so. We'll go explore different. Just, different parks, yeah well Google recreation, yeah. The, family just stuff that's you know building, up, and. Has it cost us anything but just gas yeah. Yeah. They're, they're always like everyone's, like oh well don't you just want to go out and have coffee together and, um you. Know how could keep cups, will pack a hot coffee or a hot cup of tea with us and we drinking in the car instead, of going through the Starbucks, Drive yeah oh yeah and spending $10, and then they want to snack so you buy a snack and it just goes up yeah yeah we, packed we packed great snacks yeah and we pranked great coffee that probably tastes, a little bit better than.
And. We have that we still have that experience, of going, out and eating, out we're just not giving other people out it is actually a better experience because, one. You're being something, about being intentional and. Rich is your experience for, your family, yeah cuz you're thinking about your family you're thinking about the experience you're gonna have and so when you're intentional, it just elevates your. Overall, experience. Yeah and we're. Another, day closer to being 100%, out. That's such a good point because I'm like you because, you know mentally, that. You're taking care of your family on a deeper, level that, is right, you're setting them up for this incredible, future so it's like when that foundation, is laid the, immediate, and the present, is so much richer it's, fun it's, exciting and, even ice, might sound weird but at, the end of the weekend, I love, having money left over, we. Budgeted, the money yep but we didn't spend it yeah that's so exciting because then we save that yes. Rate. Using, the app so that's been. Saves. Our lives absolutely and, I love Oh okay I've got this okay that's. Very clear here it is yeah she, made a change I pull out my phone okay cool just checking making sure you good okay cool we're good so what would you say to someone because there's people watching right now and they're, thinking. Oh wow, they had 90 plus, thousand dollars is that they're. Getting out but they're doing it as a family like, what would be your, encourage what would you say to someone, that is, sitting. Here watching you yes do. They stop stop thinking, just do it just do. The plan just do it put it put everything about your worries oh I'm not gonna have this anymore gonna have that don't worry you can get it back just. Stop overthinking. Go. To a financial piece we want to be the ones victorious. Yes great we want to scream okay, that was good that was getting it on me so much I was watching Dave's, youtube channel I try to scream I say I want to scream. After. You come do your debt-free scream come back on the show. Yeah it's gonna be less seriously you guys are such an encouragement I mean like um for families watching for, people that don't think they can or people that are in the middle of the journey like you guys are living it out but yet you, are enjoying life yeah and in a deeper, richer, way man, with BMWs, and motorcycles, yeah I'm payments, so exactly, they made fun, yes, this is way fun yeah this, is much much. Better. I. Can. Breathe. If. You want this seriously, click the link below go.
To Financial. Peace University sign. Up check. It out because it is the proven plan amazing, and you guys are living proof of it. Seriously. Fantastic. All right coming up next is my friend, and dietitian. Jenna waters she's gonna show us how you can actually eat healthy, without, spending, a crazy amount of money because it is possible. Guys. Let's, be real being a parent is hard work. Now. That I have two daughters of my own it feels like the to-do list never ends and as, every parent knows your priorities, change and, you have to make important, decisions for your child's future that's, my term life insurance is, a must from. Every parent it's. So easy to get and it's affordable what. You're looking for is 10 to 12 times your annual income to, make sure everyone, in your family is taken care of Winston, and I use Xander insurance, they do all the work for you to find the best prices, and options so go to Xander comm to get started, on a quote today because, that's who we trust to take care of our family. Thanks. For coming back. Well. Back deliver, demands, you guys she's here to give us all the secrets because, there's, a huge lie out there that you. Cannot eat healthy on a budget and so people getting out of debt you know everyone's, budgets are really tight like well I still, can't you to help you if my family sure but that's a lie it is it, is and it's so easy to believe cuz yes I mean it seems like drive-through meals, would be a whole lot cheaper yeah it's not expensive total. But then when we actually calculate. It and look at the food you know so you're telling about this like this is so fascinating, it is crazy we did a little experiment so we went through the drive-thru and got a kid's meal this. Kid's meal was about, three dollars and twenty-nine cents per cheeseburger. Kids, meal french fries yeah and, then I made it at home so completely. Different ingredients, the ingredients are, almost not comparable in terms of health so yeah these are just oven-baked french fries with avocado, oil yeah this is a grass-fed, burger. And. A homemade sprouted, grain roll so this was a dollar seventy-five, to make at home, seriously so half the price and literally, so. Much better yeah nutritious so much better yes so, great okay you have such a great system in place to tell us about that how families, out there can, eat healthy on a budget sure, so, ultimately. To eat at home we have to set up rhythms otherwise, it just looks so overwhelming, I know you've all been there um and, so I say you have to plan. Purchase. And prepare and that's a weekly rhythm so choose the day to plan choose, a day to purchase and choose a day to prepare now I do this Jenna yeah I'm a planner. Two. Steps but I am I am I'm a planner so huge so what do you recommend all the difference I often. Try to make something at the beginning of the week that I can use all the parts of again, to maximize the budget yes and then use in different ways throughout the week ok so this is an example this is just a whole chicken right, here yes, and this is something that's super easy to put in something like the instant pot or the crock pot and. Then we'll eat that for dinner one night and then, as soon as we take the meat off of it and eat that for dinner then, I'll throw up the bones back in the instant pot with some carrots and celery, onion just, super quick, yeah, and then I make homemade bone broth which, is super, nutrient, dense yeah and it has a lot of good collagen, and good protein and gelatin in it and then you're using all the different parts of the food yes and so you're maximizing, that food to its fullest potential I love that and so being that the whole chicken is Cheaper by the pound and also.
Means, That the chicken thighs certain, cuts of chicken are gonna be cheaper and that makes a huge difference so one of our favorite things to do during the week is like a cold barbeque chicken and. I used to do it with chicken, breast but then when I realized hey we could save some money by doing chicken thighs I tried chicken thighs and it's actually better cuz it pulls so much easier and it, makes a really kind. Of like juicier, um, chicken. Meal and so that on top of a sweet potato was with barbecue sauce and, then cilantro, yes it's just a yummy it's so easy just like little, tweaks make a huge difference so, that was some budget a super, simple transition, kind same thing for beef I find, that meat is one of the most expensive, categories. I so, we, looked up a local farmer, and he sells 100%, grass-fed beef for, four dollars and eighty cents a pound and, in the state of Tennessee if you're not or if you're buying directly from a farmer you don't pay sales tax so you're automatically, saving a percentage, and, that goes for a lot of different states yes. And so that's almost half price for. From. A better quality product, you're supporting local farmers and that's huge, I mean that is and tastes very good too so another, category of where we can save money in the grocery store is dry products so things like beans. Flowers. Sometimes. Even spices, yeah and so that. Dry section of the grocery store that has all those big bins on the wall I would always just walk by them and wonder who goes and. Right. That's a beet lots of been the beans and, but. Interestingly enough if you look at black beans these are organic black beans so a, pound. Of those is a dollar ninety-nine, a pound from the bins, did. Not receive yourself right, and you usually weigh them but, for the bagged beans the same amount one pound is $2.99. A pound so. You're paying literally. A dollar extra for the bag yeah, for the yeah right a fancy back so just turn up your own me let me do walk by I'm like who goes to that base, yeah. Cashews. Well there's, saving money they are they, know something that we don't know now you know. So. Then over here we're. Going to go to the produce section present miserable fruits and veggies right and so one thing this. Is super interesting this is a container. Of pre, sliced apples, it's five bags of pre sliced apples, the, whole containers eleven ounces and it's $6.99 but. A few dollars for you exactly, it's and they've sliced it for you but. Then a whole bag a three pound bag of organic apple, it's $5.99 and. So you're getting almost triple, the product, well quadruple, really yeah and for, less of a price so, then, we think about what, produce a lot of times when we think about health we think about hey do I want to buy organic should, I buy non-organic, yeah, oftentimes. We. Want to buy all organic cuz we think it's healthier and to a certain extent that's true but let's be wise about which ones we're buying organic so, there's a list. Released. By the Environmental, Working Group it's called the clean fifteen, or the Dirty Dozen, so things on the Dirty Dozen list are things like spinach. And berries. Celery. Spellcheckers, so get these organics, get a good place to put your money where exactly. Go, there okay exactly, and I find that even cheaper because organic is obviously more expensive a great way to do that is to buy frozen so, frozen blueberries.
This Is $2.99. A bag for 12 ounces, whereas, just this, little container of organic blueberries is yeah $5.99. And. So in a mom yeah almost triple, the, price for, you, know I guess are relative and if you're putting it in a smoothie it doesn't, matter right, and they're on the clean 15 list things, like to, have a thick skin like an avocado you, don't necessarily need to buy organic, okay so money saver there yeah that's yes as, far as the per or the preparation, category. Goes I love. To think about how we can use leftovers. In a way at, the end of the week where we're not wasting food, even Evatt ibly when Saturday. Rolls around or, the weekend rolls around there's, all this food in our fridge that if we don't do something with it we're throwing it out yeah. So every time we throw something out my gosh that's like $10 in the garbage yes, so. I try to think about, reinventing. Left, over so for example on one week we had leftover meat sauce that we did with like a spaghetti squash yes. Leftover random, piece of a bell pepper you know some leftover salsa that really, had to be eaten yes and some taco seasoning and, some leftover roasted, sweet potatoes, and so I threw it into a soup with actually, the chicken broth that I made earlier in the week into. A taco soup so, the last thing is treat I say that the most expensive things for the week are meats and treats those, are the things that drown us in the grocery store the kids are like hey, we need these random, things and then we spent you know way too much money on random. Treats yeah a true story and so these I just made peanut, butter cups or my weakness, and so, this is a base of almond. Flour maple. Syrup peanut. Butter just natural peanut butter cocoa. Powder raw cocoa powder and coconut, oil those are the only ingredients and, so you're getting much. Better ingredients. And it's, like pennies, compared, to what, you would buy if you're buying you, know a good quality, tree.
Sure Sure right all right in the organic section yes absolutely toast like exactly. And it really doesn't take much time I mean in all of this there's the balance of what's, the balance between cost and convenience right, yes yeah and so we all kind of have to find our happy place but when it comes down to it once we get in rhythms it doesn't take so. Much time it's just getting into habit yeah I got so good at Jenna you're brilliant, seriously, why all this is so certified, am, i capable, thanks for coming and busting, the mix, you. Can eat healthy and, still, save money and be, on a budget and do all the things but still will be wise with your nutrition so they can be delicious so, we. Just eat the soup. Thank. You Rachel. Jenna. Is so. Fantastic, is she just not great so, make sure to check out her website Jenna, waters calm, for, more tips and all that she is doing alright. Coming, up next favorite. Part of the show you guys all I bring you all with she. Works hard saving, money and this, is a how, you're having fun while getting out of debt addition. Jen, said camping. In the summer for, birthdays and Christmas, we request, experiences. We, are also having, a blast downsizing. And selling slush donating, our stuff so, awesome Jen the sacrifice, you're having fun amber. Said library, books and movies. And when. We want to go see a new movie we wait till it comes out on red box and game. Nights, so. See you guys you can, have, a life and have fun while you're getting out of debt it's not going, to kill you alright, I have some very, exciting, news, I've, been waiting to tell you this like seems, like forever but, this. Episode, and, future. Episodes are now available, as a, podcast. That's. Right come. In to the airwaves people I can't wait subscribe. To the Rachael Cruz show podcast. And make sure to down load this, episode, because. The fun thing is you're going to hear a lot of things that. We don't cover here on the show so a lot of new content it's gonna be so great alright, well thanks so much to Rosanna. And Jeremy, for coming on and for Jenna for, showing us some really great tips with our food and thank you guys so, much for, watching and, remember to, take, control of your money and create. A life you love.