Our Debt Story | $41,000 in Debt, What It Was, How We Got There, and How We Got Out!

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Gritty Detail Warning! In this video, I go through the details of what made up our $41,000 in debt when we started our Dave Ramsey Debt-Free Journey, what brought us to that point, and the paradigms we had and needed to change in order to make it out. Today we are thriving in a debt-free life, and are telling our money where to go, rather than wondering where it went.

RELATED:
Our Story | How We Paid Off $41k In 18 Months | Our Canadian Debt Free Journey – www.youtube.com/watch?v=RvpMv1TLplU
How Can A Canadian Stay Debt Free? Our Experiences Living Debt Free For 3 Years In Canada – www.youtube.com/watch?v=uMcDtW7eKBI
The App That Changed Everything In Our Financial Lives | Tracking Your Budget Quickly And Easily – www.youtube.com/watch?v=IPK1VWEt158

New Podcast Episode: The Budget Course Class 5: Creating The System

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 This is the fifth video in the Budget Course!  The key now that we’ve got the idea of the budget down and the main priority is to make it not just easy to do, but DEAD EASY.  It has to be dead easy because you’re going to get tired.  Sometimes it’s not FUN updating/tracking/planning your budget, and we need to make it so ridiculously easy that you’ll keep doing it, even when it doesn’t feel exciting or motivating; to make it so easy that you’ll keep doing it, even when it’s hard, for the rest of your life.  If this all sounds unrealistic, I thought it was too.  But today with this system, it’s AMAZING.

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Make sure to check out the rest of the Budget Course episodes.  Reach out if I can help at all: rob@wepayoffdebt.ca

Check out details on the July Reconnected Sale before it ends on Saturday, July 16th at 11:59 PM!

July Reconnected Sale

Check out all episodes of The Debt-Free Canadian Podcast here!

Why Leasing Is the Most Expensive Way to Operate a Vehicle | Lease VS Finance Car in Canada

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It’s easy to think through why we should never lease, as I did in a video from a few years ago (see below), but the math also proves it. In this video, I nerd out a bit on the numbers and show what the effective rate on a car really is!

RELATED:
– The #1 Reason Why You Should Never Lease A Car In Canada | Lease VS Finance Car – www.youtube.com/watch?v=fyE9FgN2sFQ
– “I Need A New Car! What Do I Do?” My best resource for buying a new vehicle when you’re trying to get in control financially! wepayoffdebt.ca/vehicle

“Should I Budget More Than 1 Month Ahead?” | How To Budget Well For Canadians

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Sign up for and take my free budget course!
www.WePayOffDebt.ca/budgetcourse

I’ve recently fielded some questions about budgeting, specifically around the question “Should I Budget More Than 1 Month Ahead?” “Should We Create A Yearly Budget?”

While more planning is never bad, you want to make sure you put as a priority what is a priority, and make less important what is less important. Efficiently doing something that doesn’t need to be done is a waste of time, so it’s important to think through the costs and benefits of your plan. In this video, I walk through some of the most important paradigms around thinking and planning your finances over longer time scales.

RELATED
– Why You Need A Budget Buffer Zone (And How To Do It Right): www.youtube.com/watch?v=rrgOuHljeQo
– “I Don’t Want to Budget Because a Budget Restricts Me!” | Feeling Guilty In Your Budgeting?: www.youtube.com/watch?v=5uunpZ_NRz4
– Are Budgeting Apps Worth It? | My Favourite Budgeting App: www.youtube.com/watch?v=9HcRM9zzhZw

Where Do I Invest My RESPs? Saving For Your Kids College In Canada | Canadian Education Savings

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TEXT ME! (204) 813-6133

What do I do to get started with my kids’ RESPs? How do you do it and how do you get good returns on it? How in the world can I save for my kids’ college funds? Find out here and comment any questions you have below: if there’s enough interest in other topics around RESPs, I’ll for sure make some follow-up videos!

RELATED
– Reason #56235546 To Get Out Of Debt: RESPs! youtu.be/gtf7ACLMd0c
– What Do I Do With Extra Cash? If I Have Extra Cash In My Bank Account, What Do I Do With It? youtu.be/Vu4P0xpKKUQ
– TFSA vs RRSP: Saving For Retirement In Canada: wepayoffdebt.com/tfsa-vs-rrsp-saving-for-retirement-in-canada/