I love being debt free! I own my home, zero debt and I was able to do it all myself by being willing to simply "go without" a lot of things that I just don't value more than financial security. It is worth it!!! I have suddenly found myself laid off, single and pregnant with my first child (Yay! It's a boy!). This had the potential to be the scariest time of my life. But between owning my home, my savings (it's really easy to save when you aren't paying rent) and living simply I will be able to provide for myself and my child without employment for at least a year. And I could continue to take care of all of our needs by working at a place like Starbucks. The security and peace this gives me is incredible. If an uneducated single mother with no outside support can do it- so can you!

@FarmhouseonBoone

4 жыл бұрын

love everything about this!

@ladyhamiltonscottage

Жыл бұрын

You are not uneducated you are self educated God bless you❤

The key word here is "we". You have to be equally yoked with the same mindset. God bless y'all❤

My husband and I are 24, and we're working on our debt for the next two years then we plan to buy a home with cash. It's so helpful to hear these kinds of stories knowing this could be us in 6 years

@FarmhouseonBoone

6 жыл бұрын

Thank you, Nora! You and your husband are very smart 👍 I hope you both find the perfect house!

@islandhouserestoration2897

5 жыл бұрын

You can do it, I am 24 with 3 kidos. My husband and I are debt free besides our home. We will have it paid off in 5 years!

@jd6319

5 жыл бұрын

Nora Conrad sslan

Refreshing to see a responsible young family. I'm also debt free. It started years ago with credit cards. Paying them off one at a time. Then, we concentrated all our efforts into the house. We used to have 4 cars. Sold 2 and all the money went to the house, etc... It's a real blessing being able to breath. To feel free from any stress. Thanks for sharing. Blessings

@FarmhouseonBoone

6 жыл бұрын

Ahh its so refreshing and freeing, isn't it?!

@aracelisescalona150

6 жыл бұрын

Lisa Farmhouse on Boone 100%

@mapleleaf3803

Жыл бұрын

@@aracelisescalona150 hi there! Where are you on your journey?

I went back to college at 33, my savings were used up by the end of the first year, so I took out a loan for the remainder. I was massively in debt by the time I had graduated which was pretty terrifying. The interest rates were through the roof, and I was estimating a 40 year payoff. I got a job, paid myself a small amount each month and didn't 'cheat'. I paid off EVERYTHING in a year and a half. I will never forget that last payment - FREEDOM. Now I can actually save. I still pay myself a set wage every month from my total income, the rest goes into the bank.

My husband and I have been following Dave Ramsey's plan for 7 years and are debt free except for our home. Your video popped up in my feed and totally inspired me! Sometimes I feel like we are the only crazy people trying to pay off our house. It's nice to find others with the same dream. 😀 Good on you!

@FarmhouseonBoone

6 жыл бұрын

Yes! It's apparently a pretty counter-cultural thing to do. Good for you guys!

SO SO GLAD there is finally a youtuber than admits things are expensive, instead of just showing things that look so extravagant! It’s nice to be able to watch someone who is personable, honest and seems to be a real person!

I’m Debt free..we’re two years from being Mortgage Free....This is so inspiring...

@FarmhouseonBoone

6 жыл бұрын

Congrats! Thank you!!!

@brianreece785

4 жыл бұрын

We are also 2 years from being done with a mortgage. It's so refreshing to share the same goals and know it is possible to live debt free!

My husband and I both drive vehicles that we paid 3 grand for...and may I say they are actually really nice! Our farm house, barns and 5 acres we bought for $65,000 and we are 2 years in and only have 4 years left (we will be aggressive to pay off sooner) we have actually remodeled 75% (very affordably) and had our first baby. it's really nice to see others live the way my husband and I do. And I am also blessed to be able to raise my child at home

You are amazing to as Dave Ramsay says, live like no one else so you can live like no one else.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much!

@lisagarlick7060

6 жыл бұрын

I think the quote is, “Live like nobody else will, so you can live like nobody else can.”

@rachelsrendition

6 жыл бұрын

YES! I live by his guidance!

@darlenefabrizi8247

4 жыл бұрын

Live like no one else. So you can live and give like no one else! DR

I'm so happy that debt free is becoming so fashionable. It's possible for all income levels as well. Thank you for sharing your story.

@FarmhouseonBoone

6 жыл бұрын

You're welcome 😊

Thanks for sharing...so inspiring. We just paid off credit cards $42k. We set a goal and we were focused and it got done 7 months. Working on the cars and then the house. You go gurl!!! May God continue to bless you.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much Kerri-Mae!

@juliamartinez9534

6 жыл бұрын

42k, that’s great! What was your plan? I’m working on school loans that are about that much.

@mickyunit

6 жыл бұрын

Kerri-Mae Ashley great job! You got this 👍👍👍

Oh how I wish I would've figured this out in my 20's!!! Now in my 40's we are scrambling to get things paid off. We'll do it, but man it would've been nice to be FREE by this stage!!! Great job!!!

@FarmhouseonBoone

6 жыл бұрын

You can still totally do it!! :)

@pattytrevino2869

6 жыл бұрын

Laurie, I'm in the same boat. Don't give up, we will get there 💪👍

@janefromthecountry1820

3 жыл бұрын

I love this story Lisa tells! So inspiring! Everyone who is going to buy a house should listen to this. They should show it to high school kids in Dave Ramsey Finance Class. So inspiring!❤

New subscriber here. We just finished paying off our mortgage in September. We also did it in less than 5 years. Feels so good doesn't it? We made double payments. I was still able to stay home. I was also able to take care of my mother when she got sick. My husband was off work recently for medical reasons and it felt so good not having to worry about money. All is good now and he's back to work. We always plan to live frugally. It gives you freedom and peace of mind. Looking forward to catching up on all your videos.

How wonderful that you and your husband live within your means. So many folks today just don't understand that kind of freedom. Thanks so much for sharing and inspiring.

@FarmhouseonBoone

6 жыл бұрын

Thank you for watching and commenting. :)

Good for you guys that you are content with your home and not always wanting more. My husband and I did the same thing and lived way under our means. Little did I know he would need around the clock care and I had the freedom to stay home with him while he was terminally ill. God Bless your precious family.

I'm so happy to hear your story. I grew up in a family where financial responsibility was non-existent (i.e. foreclosure, repossession and more than 100k of debt). I am currently paying off the hole I dug myself in (thankfully, not a lot), and I see your story as an inspiration. It's a struggle being a single mom in my twenties and wanting things that other people have, but I have come to the realization that I don't want to work until 72 to pay my debt off.

I wish I was as wise as you are when I was in my 20/30's

Oh Lisa you touched on so many amazing aspects of living a full life by not being in debt and living beyond your means. We are on the path to pay off our home in the next 3 years so when we do that it will be only a 10 years mortgage we had. I cant wait for that day to be 100% debt free from our home. its the only debt we have. I loved hearing your story and its very inspiring. You took a house and made it a home with all your hard work and love you put into it and now its even better because you own it 100%. Really enjoyed hearing your story.

@FarmhouseonBoone

6 жыл бұрын

Thank you!

@janefromthecountry1820

3 жыл бұрын

Momma from Scratch: Are you almost done paying off your home? We owe $62,000 on our home...

I love this! We are three years from paying off our house. We actually just paid off our rental house, which felt amazing! Other than that we haven’t had any debt for at least 7 years. We haven’t tried very hard to pay down our mortgage though. We have enjoyed some nice vacations and down some expensive renovations on our house and yard. We will be 100% debt free before we turn 40!

Very seldom do you find someone of your age that is so responsible. So many young families want it all and want it now. Credit cards are nice to have for emergencies but I see so many people that are in debt over their heads. I'am 64 years old and I sew and make a lot of things myself instead of spending a lot of money. We are in a position to be able to get what we want but we live a very simple life. It is refreshing to hear you say that you don't need a new car or new furniture to be happy. I must tell you that I have wondered how you keep your house so neat and clean with 4 children. I see all the white in your home and I love it. I'am so glad I found your channel. I loved the tutorial you did on slip covering the chairs. You said "you have a pillow business" and I hope you will share some photos of that. You don't need material things in life and you live simply but you are very rich because you have your husband and 4 (almost 5) beautiful children.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much for stopping by, Barbara! I agree..the simple life is the best life. :)

This is great Lisa! Thanks for sharing this. We have a very similar story. We actually paid cash for our fixer upper farm and do not have a mortgage either! We have junker cars, do not have a TV, and have simplified our lives so we can live our dreams. Even though my husband loads trucks for Walmart I am able to stay home with our girls. It was so worth all the sacrifice at the beginning of our marriage to now be able to live with financial freedom! Simple living helps you focus on what truly matters.

@FarmhouseonBoone

6 жыл бұрын

Isn't it so amazing that you can live so free with such a small income? I have had women say to me, "well, my husband doesn't earn enough for me to stay to home." I guess they think I married a doctor or lawyer. We paid off our house back when he still earned 14 bucks an hour. It is SO worth it! Thank you so much for watching, friend!

You never hear of young people with this mentality . Good for you exercising this discipline, I wish more young people had this intelligence. You are truly teaching your children a valuable lesson. 👍❤️

@FarmhouseonBoone

3 ай бұрын

thank you

This is wonderful, and you should feel very proud. But also i'm sure you're grateful that you never got that large extortionate medical bill or lost your income or any other expense/income issue that prevented you from achieving your goal. So many people face huge uphill battles to achieve such goals through no fault of their own.

New subscriber here! Love this! We are buying our first place and getting a lot of negativity about the kind of place we are buying, but we value simplicity and the peace that financial freedom gives us.

Smart young couple. My husband and I have been debt-free since 2000. It took us 8 yrs. but it was worth it. Each time we paid something off, we celebrated with ice-cream cones. That might not sound like much to some, but once you stop eating out, it can be quite a treat. There's nothing like owing no man. Just wish we would've been smarter sooner! (Same here, Lisa. Our biggest expense is organic food. However, the health issues I once had, are beginning to disappear.).

I wish schools taught financial classes to students in schools. In my generation it was all about brand names, and what you had. Boy, I wish the yuppy generation wasn’t taught this idea in life. We struggle in life today. Our generation struggles. Hopefully, America will be more like Canadians. Save, save, save. Live within your means, and plan out your life. School, date, marry, live, save, home, kids, save, pay for kids college, save, retire comfortable.

@LGnLA

6 жыл бұрын

BEST comment EVER!!💯💯💯💯

@Pamela-jr3ht

5 жыл бұрын

Stop "believing" you "need" to struggle. freeneville.com (sorry for the link, it's important) will help you so much. I'm still learning but it opened my eyes. I just bought my own farmhouse (cash). Only a 1/2 an acre but it's a start and I put up a wood/wire fence surrounding. The more I see/feel done it's done. Magic happens everyday because I know it will. Blessings to you!! Oh, my folks were dust bowl generation. We only knew hand me downs or thrift stores, or get a job (haha) for what you want. I'm a widow who spent our life savings on a husband's illness. And no ss. So now I'm reinventing myself. Today's a good day. Today for tomorrow I will feel it real 😊 You are more powerful than you give yourself credit for ❤🙏❤

@iloveaudrey08

5 жыл бұрын

Seriously! Gosh it would make such a difference in so many lives!

@kelsierenee5026

4 жыл бұрын

Yeeessss

As a 23 year old f who lives at home desperate to save and move out into her own place. Thank you for this vid. My parents are very irresponsible with their money- sigh I def took notes

My husband and I are both 27 and we are so happy that we are mortgage free and car loan free for 2yrs now. With a fam of 5 that does help out tremendously! I know this vid is 2yrs old but still very inspirational, even in my shoes.

@FarmhouseonBoone

5 жыл бұрын

It is the most freeing way to live!

@gunnikr

5 жыл бұрын

Mayte Martinez That’s impressive for having 3 kids and being young! How’d you do it?

What a awesome and inspiring testimony! You have so much Wisdom and should be so proud of yourselves! ❤❤❤

@FarmhouseonBoone

6 жыл бұрын

Thank you so much for your continued support Trudy!

I love your videos, you and your husband are very wise. I did not become debt free until I was in my young 40’s, it was the best feeling in the world. From the day I became debt free I’ve refused to go into debt again. Stay wise and resist the temptation.

@FarmhouseonBoone

6 жыл бұрын

Thank you for the encouragement, Janice! It can definitely be difficult at times.

To all the young people starting out that are watching...this is the model to follow. We are nearing retirement and we started out with a fixer upper and both learned many skills along the years. We also did the new car thing until about 9 years ago which is debt slavery. We have only owned three homes (all fixers) in all the 35 years together but never refinanced debt for personal things. We did however refinance to acquire rental homes and lastly, 9 years ago when the economy collapsed, a rural foreclosed home on acreage to retire in. We finally woke up about debt about 12 years ago. We have been working on the the foreclosed home which is three hours away and it has been torn down to the studs and rebuilt. All done by my husband who built his skills over the years by watching people in the trades). We made a pact that we would incur zero debt during this reconstruction. We scavenged tons of things like kitchen cabinets, bathtubs, vanities, sinks, you name it. We gave up going on expensive vacations, going out to eat, started driving used cars and kept them after them long payments were done. Looking back the sacrifices were ALL worth it. Its 9 years later and this home is a beauty that has land to grow lots of food. I got the garden going (wood chip method-no dig) while my hubby was remodeling. We will retire to it this year debt free and sell our current house. We will bank the equity and have a nice nest egg because we stuck to the plan. We could have both retired about five years ago (thanks to Obamacare 👍🏻) if we had not incurred the debt. In our lifetime being in debt was the norm and we never thought about it until we were caught up in it. Im glad we finally woke up. We will never need loans again. We continue to buy used goods including furniture and clothes. There is such a huge waste stream to take advantage of. We are financially stronger and look forward to a comfortable retirement. Follow what this young woman has to say. She and her husband got it right! I wish we had been this smart at this age but at least we saw the light! Thanks for these words of wisdom. This is great advice. There is nothing like the feeling of accomplishment from hard work gone right!!!

What a wonderful testimony. My husband and I are also debt free, we fixed things around the house as we could also afford them. I was able to stay home. I also enjoy sewing different projects for my home. God Bless you and your family.

@FarmhouseonBoone

6 жыл бұрын

Thank you!

I am currently expecting baby #5. My children are 7, 4, 2, 1, and due July 2018. We are completely debt free, we lived in a camper we remodeled into a tiny house for 3 years and saved every penny possible and now we are buying a house and we are hoping to move in April and I am so so so happy and excited. I just can't wait. We are going from 2 bedrooms 1 bath to 4 bedrooms 2 baths and 2 living rooms and an actual kitchen and dinning room. When we were telling our 7 year old he was so excited and said so it'll have a lovingroom seperate from the kitchen? It was so cute! Then I told him he'd have a playroom also. And when we don't need a nursery anymore that can be my craft area. My husband has worked very hard and climbed the ladder very quickly at his job making bonuses and getting promotions and raises and I'm so proud of him, but we have all made sacrifices to get here as quickly as possible. It has all paid off 😁

@FarmhouseonBoone

6 жыл бұрын

Yeah! Congratulation!

It's really inspiring to see a young couple thinking simple and not get tempted by "bigger and better". I am considering moving to my rental property which is smaller and paying off the mortgage there. It gives you so much freedom and you realize that peace of mind is priceless.

This video was so encouraging! My husband and I just bought our first house and we are in the process of paying that off. It's not often that you find other young couples who are passionate about staying out of debt! Would you consider making a video on your monthly grocery budget and how you save money eating mostly organic, healthy food?

@FarmhouseonBoone

6 жыл бұрын

Hey Susi! We aren't really budgeters. I just try to spend as little as possible, but I don't keep a close eye on it. I did a video recently on what we actually eat, if that helps: kzread.info/dash/bejne/lJNmrKt6camtZ6g.html

There are SO many people who need to hear this. Sadly, there are so many people who mindlessly spend way more than they can afford. Being debt free is THE way to live, not living under the cloud of owing money. Best wishes.

Very inspiring.. thanks for sharing your story, I'm currently on a journey to pay off my house by the end of 2024 🙏❤️

Love it! Congrats!! So nice to hear the importance placed on investing in healthy organic foods. Sooo valuable! 💗🍃

Thank you for sharing your debt free story. I'm single, daughter in college (almost done). I retire from my current job in 2019. I'll be relocating to Texas, purchasing my home. I have plans to live off my next income, save my pension, pay off whatever debt I have. I'm grateful it isn't much. I'm glad you made a point about not purchasing a bigger house, even though you have a few children. Everything you said made since, now you have me thinking even more for the future.

@FarmhouseonBoone

6 жыл бұрын

So glad this inspired you! :)

Boy I wish I watched this video several years ago before we purchased our home! Very impressed by your entire mindset!!! Thanks for sharing this very important video.

@FarmhouseonBoone

6 жыл бұрын

Aww thanks! It is never too late to start changing financial habits though. Don't be discouraged! :)

I think you and your husband did GREAT! I really enjoy watching your videos but this one is the most motivating! Sometimes longing for debt freedom feels lonely...like the whole world except for Dave ramsey says a 30yr loan is fine and my heart just races so fast whenever I think of a 30yr loan. We are looking to buy a new to us house and I want to look for something as cheap as livable allows for my geographical area. I don't know if 5yrs is doable but I just want to do the best I can to get out of debt fast.

Wow, great for you, I envy you a lot!! Here and now, a 4-5 room house to put up to date but no major renovation with a bit of land starts at 300K. That's about what you make in 8 years. We'll get there, slowly...

Oh Lisa!! You brought tears to my eyes!! Sometimes the best place is a cheap place..... sending ya warmest of love and God Bless ya from Ohio.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much Keoni! So sweet of you to watch my video and comment. :)

Such a refreshing story. It takes a lot of courage. All the efforts and energies that you have put into that project is really paying off. It teaches your kids how to manage their finances. This is a gift that you have decided to give yourself and your family. You are doing a great job as parents. Lucky kids!

@FarmhouseonBoone

6 жыл бұрын

Thank you so much!

Thanks for being a good example to young people. I get so frustrated seeing new couples wanting on day one all new things and the amount of things it took their parents/grandparents 30-40 years to be able to afford and possess. I remember icky used couches and being grateful for them. I also get angry with people criticizing larger than average families like yours who are doing everything right and are not a burden to society if anything you are doing the very thing families are supposed to, Grow. Wish you well thanks for the video- good info.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much!

I love your outlook and where it lead you . My husband and I are starting our debt free journey buy our first home and hopefully paying it off in 3 years ! And raising our 3 kids in a humble modest home .

@FarmhouseonBoone

4 жыл бұрын

You can do it!

When you said that we would be shocked by your home’s before pics, I murmured awww you are just exaggerating. Then you showed the pic! You are talented lady and blessed.

@FarmhouseonBoone

6 жыл бұрын

Thanks so much!

What an inspiration to other young families and older ones too! Yay on you! Well Done! You used a lot of common sense and good decision making skills!

Congrats to you! I'm 60 years old and know I did some things right financially in my life but not feeling it right now!! That is a sad commentary at my age. Hanging onto your marriage is a secret to being financially solvent. Somehow I feel more hopeful since listening to you. This vlog is a great gift to others because it reflects a lost mission in society.

That’s awesome!! We didn’t snag a crazy cheap house but definitely trying to pay off our house early. That’s an awesome story!! Thanks for sharing. 🙌🏻

This is so inspiring. It’s near on impossible to get a house for less than £100k in the UK so paying off a mortgage is harder but your video great food for thought x

I really enjoyed this video. Inspiring. Debt freedom. Doing it young is so smart.

I think y'all are awesome! Frugality is something you don't see much these days. Our house has been paid for for years, but we are 53. Common sense should tell us with stuff "if you don't have the money to pay for it, don't buy it!" Enjoy those days home with your children; they pass way too quickly. God bless you.

I just looked at your vlog for 2016 when you had paid your house in 5 years. Good for you! I have 4 kids and they become more expensive as they grow older. We paid off our first home probably within the first 25 years. Sounds like a long time but we went through ups and down with employment plus we wanted to put the kids through college debt free. We recently bought another home and paid cash for it. So being in my early 60"s it feels great to have to have no bills. My children are actually paying for their homes much like you did. But then again their salaries are huge compared to what my husband and I made. The lesson I guess that needs to be learned is to spend beneath your means but still having the quality of life you want.

So smart!! We have never used credit cards, my husband and I have been married 30 years and we have two kids, 18 and 21. Our son (he is 21) is on a mission to be debt free and has a plan to not have to work his whole life. I think he is smarter than we were! LOL

I'm 33 and paying off my car this year and then debt free 👌🤗. I'll purchase a home next with cash 😊 You're story inspires me

I'm so proud of you! You have done what it took me 33 years to learn. I wish I knew then what I now know. I've shared this with my teens so they'll avoid the steep learning curve. It is costly. Thanks for sharing your inspirational story.

I think you and your husband are very smart about money. I don’t think most people think that way and very impatient with wanting a house filled with new items an don’t wait therefore spending money on credit and getting further in debt. It’s hard for people financially to begin with. You are proof that it is attainable but you have to work at it. I admire you. Good for you!!!

My husband and I have done the same, although we had children quite early on in our relationship we still managed to pay our mortgage off before our 40s. We had no fancy holidays till the kids we old enough to appreciate them, no posh cars and decor (its not needed) and if we wanted to splurge on an item we saved to pay for it. I feel these days people are to materialistic and incredibly wasteful.

Thank you for this. I have a shopping problem. Discipline is what I need... Point blank end of story. Bless you

So very smart in so many ways. We did the same. Every month we looked what we had in the bank and dumped it into the mortgage. That was called making a "principal only" payment; a payment over and above the regular monthly mandatory payment. We kept dumping two or three thousand monthly over and above until we got so close, and found another seven grand to be paid off by the new millennium. The saved interest dollars on the loan can add up to $50,000 easily that stays in your pocket, and more. So many people think they have to buy a huge house. They buy into the whole American dream, and they'd be foolish doing so. Huge houses are huge expenses in property taxes, repairs and upkeep. A new roof when the time comes is 20,000.

So encouraged by you! We are 7 mo married and renting. This helps me be more content with our cheap little rental.

Love your story...it mirrors ours. Any extra money we got, we put it on the principal. We loved getting the monthly statement from our bank, seeing how much less was going to interest. The day I brought in the final payment, I hugged every employee...I was SO overjoyed.

Wow - I hope this video influences others to be as practical as you are! We had a late start getting together, then buying a house, 3 car payments and MAJOR credit cards bills. I took a lot of pride in telling people we paid off our house in 12 years (before we were 50). I can't even imagine the maturity and wisdom you two have - doing it before 30. Congratulations - you are an inspiration!

@FarmhouseonBoone

6 жыл бұрын

Thank you so much!

I am so inspired by this video! I am in my early 40’s already and my husband and I just bought our 3rd home a bit over a year ago. After a few months I realized we do not need so much space, the kids are grown up, have moved out and I want to downsize to do just this! I see us in a small rancher, no more than 2 bedrooms and priced low enough to pay off in a span of 5 years. I even had a tax plan idea! Except it took me 40 years to figure it out. I believe we still may have a chance. I think you’re planning a great future for your family. Thank you for sharing your story.

You are such an inspiration! My husband and I purchased our first home in1984 we were in our teens he was 19 I was 16 it was 10,500 we lived in that little house for 30 years☺️ and raised 3 children, we still own it and my elderly father now lives in it! We now live in what I would say is close to my dream home and are living debt free at 53 and 56.

Your original home looks like a Craftsman Bungalow, one of my favorite home styles.

You're not crazy, you're both wise and disciplined! Thanks for sharing, especially the truth of what it really takes. We are about to move and hope to pay it off fast! (It's a Farmhouse!!) New to your channel and love it.

@FarmhouseonBoone

6 жыл бұрын

Thank you o much, Andrea! Glad to have you following along. :)

I have such respect for you and your hubby for living a debt free life. We are barely just achieving this goal in our 40's and have decided to sell everything to downsize and simplify our lives. We are realizing how much having material things can complicate and stress us out! The little fixer upper we are moving into is a 1970's time capsule but seeing the beautiful job you've done to your home gives me hope and I'm super excited. I love the minimal farmhouse style. Thanks for your great advice and videos.

Lisa, you are a great inspiration for young couples and anyone who wants to be debt free. I am 62 and with my husband we became debt free over 20 years ago. And I can tell you that becoming debt free is one of the most important things that has happened in our life. After we became debt free we were able to save for our children's education and for our retirement, which we took early. We are frugal in our living expenses and have been able to save enough to now build our dream house and still be debt free. So many couples feel like they have to spend money to keep up with their friends lifestyle. They sacrifice their own freedom. We still use our credit cards, but pay them off each month. Anyone can do this, it takes discipline and determination. Thank you again and I do enjoy your KZread videos and blog.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much! So encouraging to hear how much it has helped you all after many years. :)

Are you crazy? Uh... NO! Such an admirable thing to do. Such peace of mind you are giving your children by not being stressed about money and showing patience and responsible spending. Awesome! New sub👌🏻

I enjoyed your story. My husband and I did this a long time ago. I think it is an important message and I hope it resonates with many young people. I think this concept is what our country needs to hear and follow.

If I had only done this. As a widow now it’s tough. Hope my children will listen and live a little below their means and try to stay debt free.

Just found your channel! I can’t thank you enough for being so candid, humble and taking the time to educate us all! I am of the same opinion, and paid my home off in approximately 5 yrs! I am sending your video to my son and his wife. They are in their late 20’s and would benefit hearing this important life lesson, from someone who is living their “truth”. Financial Freedom is Amazing,!!!!!

Hi Lisa! You & your channel are so refreshing & inspiring! I'm very interested in living a minimalistic, healthy lifestyle, but I don't know how to begin. Could you please do some videos on how to begin, how I can declutter my home, what should I keep, what should I sell, how to price items to sell so that I can hopefully begin to declutter my surroundings, pay off debt, live minimally & enjoy my life more. Thanks!

I love your story and love your channel. My husband and I are 28, have been married for 2 years and we just bought our first house. We didn't want to be in debt but we wanted to own a home and CA isn't cheap...we bought a house we could afford, but we will be in debt for quite a awhile. That coupled with planning to start a family soon has really made us motivated to continue to live within our means and pay our house off! Anyhoo, sorry for the long comment.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much for your long comment. ;) . I know debt freedom can be ALOT tougher in other parts of the country, namely CA! Sounds like you all are on the right track, though!

This is wisdom. We are working on being debt free in the next year or so, so we can start saving up to buy a home. Debt truly takes away your freedom, but thank God that He's using people like you to lead by example, so we could see a way out.

I found you while watching Gillian Perkins publishing video! You are lovely and I so agree with everything you're saying. My husband and I are in our 20s and we are debt free! Be were so blessed to graduate from college debt free and I can't tell you how wonderful it feels to be debt free!

@FarmhouseonBoone

6 жыл бұрын

Love watching Gillian! I agree. It is SO freeing! :)

Hi Lisa, I am a fan!! Admired your strength, I came from a poor country and I work hard to have what I have. Your teaching is very inspiring. God bless.

@FarmhouseonBoone

6 жыл бұрын

Thank you so much!

So awesome to hear your story! Oh if walls could talk. 😂 I’m sure they’d have some colorful stories. 🙈💕

@FarmhouseonBoone

6 жыл бұрын

Haha yes I'm sure! Thanks so much Brittany!

@emiliozahir3427

3 жыл бұрын

InstaBlaster...

Wow, Lisa! What a beautiful story! You continue to amazing me and keep me interested in you and your life. It's a real treat to hear that you and your husband are both in agreement and you worked and are working together to build a solid life together with your sweet kiddos! Everything about your blog is great! So, it's not what you usually talk about. It's needed. It's important. It's A maZ ing! The more you share, the more I can't get enough of you! Real food is healing. Nutrient dense food is healing and promotes wellness. You rock! Rock on, guuurrrl!

@FarmhouseonBoone

6 жыл бұрын

Thank you so much for following along, Lynn!! And I really appreciate your sweet comment. :)

thumbs up for you . your discipline is a encouragement for those who do not even live on limited income. My husband and I have the same way of doing things. we only buy when we have the money to buy. now our kids are grown up. we live debt free and can help others who are in need to but are financially challenged. it is a real blessing and true freedom.

I did not know all this about you but the minute i saw you i subscribed because first of all i love farm and the farm look in decor. I saw your kids on the intro and how you were designing and taking care of everything i had to watch you have not disappointed me yet. i think this is so smart i myself have decided to go without credit and use all cash about 1yr and half now and you are correct it is a freedom you do wait to purchase things you shop smarter and when you get something you own it i am able to save and i also eat the vegetarian life style my husband also. i am so glad you spoke on this i hope more young ladies will listen and become debt free it is wonderful thank you so much Lisa oh and i plan to pay my house off like you did in a matter of months i also purchased a home that needed work and i am doing every room i do have more for my business I can really relate to you again thank you and I will see you in the next video. Yvonne

@FarmhouseonBoone

6 жыл бұрын

Thank you SO much for following along, Yvonne, and for your sweet comment. Sounds like you all are moving in the right direction!!

I love it!! This is how I was raised. So proud of you and your husband!!

Wow I am so amazed how you and your husband can work together to do things. YOU are an beautiful wife and mother for your kids. Love your videos so much 😘

Thank for this post! We paid off everything except for our mortgage 10 years ago (30k in 2.5 years). Because we were mostly debt from we we're about to cash flow our adoption and I worked part time only for several years. I recently realized that in order to meet our goal of living completely debt free I needed a better income so I am now in nursing school. This next year will be a tough one mentally and financially but I think that like becoming debt free, it will be worth it in the end!

Debt free as well, one house is mortgage free that we rent out and second house we live in and have income apartment, we are working on paying that off as well. I think it is freedom from some anxiety as well. It helps you sleep at night knowing you don’t owe someone or worrying how you will pay a bill. Putting in a few years of doing without is worth years of enjoying what you want later.

My husband and I just became debt free this month! Before we paid off our debt, I would watch videos like this for motivation. Debt-free testimonials like yours really help to boost morale. Congrats to you and your family on reaching such an amazing milestone!

@FarmhouseonBoone

6 жыл бұрын

Ahh congrats Marva! Feels great, doesn't it?!

This is awesome!! I did the single mom thing for 5 yrs + ... that was incredibly hard. Newly married and trying to hit a debt free goal (we are almost 40) with student loan and massive medical bill debt. Not even close to the end of our tunnel but this is encouraging!

Great video! Anyone who has PMI can request it to be dropped off the mortgage payment once the mortgage has dropped to 78% of the mortgage. Please note that this is something that you have to pursue yourself because the PMI companies will sit back and collect your money and not have a care in the world about doing it.

@FarmhouseonBoone

6 жыл бұрын

That is a great tip! Thank you!

@fixyourposture282

6 жыл бұрын

Aww man I thought it was 20% 😣 could it be different for every state?

@ginamoretti9716

6 жыл бұрын

we bought in 2014 the mortaga we sign on has PMI for the full length of the loan, the contract will not let it drop. we will have to refinance.

@Nusisu

6 жыл бұрын

Somebody important, I believe if you get a new appraisal and the mortgage is at 80% of value you can PMI dropped, otherwise, you can request when the principle hits 78% of the initial mortgage value.

@LGnLA

6 жыл бұрын

+Gina Moretti That 'pmi for life of loan' happened around 2010 or 2011 & beyond... Still under the 78% rule, we bought in 2009. Good luck everyone!!

Great job! Happy for you and your family! You are a wonderful example to follow! My father in law lived by those same principles...built his house paycheck by paycheck and saved money to pay cash for his vehicles. Never took out a mortgage, car loan or credit card. Lived a simple but happy life! 🏚👍🏼😍 New subscriber...loving your channel! ❤️

Lord, I couldn’t be prouder of you if you my own daughter! Luke too, naturally. You’re amazing.

Thank you for sharing this🙏 Our home we owed $330k when we got married 3.5yrs ago and we put everything onto the house aside from some renovations around $60k, we only owe $85k now and will have it paid off in a year or so. There's a temptation to move to a more expensive area because my husband does have a high paying job... but I'm inspired to only pay cash next time. Interest rates are tipped to rise in Australia and I don't want the stress. Having a simpler affordable home means I only work 2 days a week and I could stay home if we have more children. A really easy way to save when we were a young couple both working was to save one person's wage (mine) and live off the husband's wage. This made it really easy for me to take 2 years off work when we had our two kids.

I’m so impressed and inspired! After 6 years of marriage, my husband and I finally found a house and bought it for $46,000!! I’m inspired to get our 10 year loan paid off in 5 years, maybe even less!!

@FarmhouseonBoone

6 жыл бұрын

Thank you! Wow! That is a great goal! It is totally possible!

Congratulations. Perfect example of not living above your means. We have also always bought fixer uppers and did most of the work ourselves. We sold a few times and became debt free. Currently we are trying to pay a mortgage on a second house off in five years. We stuck to only 2 children, are driving used cars and renovating second house while Renting out the first. I am currently a stay at home mom as well. I will probably get a job again once kids are older to help save for retirement. Keep up the good work. I only discovered you now, so I must still check out all previous blogs.

It is doable, just very against society standards. Life is simpler and happier for sure. ❤ we are a family of 6 living frugal on one income. God opened doors to buy a small older home with 12 acres of land… it’s a no brainer for us.

I think it's awesome that you did this. I'm in my 50's and wish I had someone tell me this when I first got married at 21! My daughter is in her early 20's, and I encourage her to do this. I think I'll share your video with her. She loves the farmhouse style, too! Thank you for sharing! Y'all are pretty smart! Blessings! Kim

This video was so helpful! I have been a bit tentative about watching it because it seems out of reach. I am relieved that I did because I’m no lover judging myself. Where I live, within the very expansive city limits, any house of any quality is going to be at least $1M and the average rent of a 1br is currently $2260/month. I am relieved and empowered that you said the debt was $100k because I can strive to pay that amount off in that time too. I am not going to beat myself up about this but I love the inspiration to go debt free for future freedom. Thank you Lisa!

❤️ So very proud of you. You are doing the right thing. 👍 Buying healthy Organic food is the way to go. There are ways to save money. Having your own organic garden. Hitting the farmers market or local growers for leftover veggies and fruits on a discount. Wishing you more success girl. You rock. 👍