How to get out of debt (…in 3 simple steps!)

How to get out of debt in 3 simple steps!

As you may have saw recently on Instagram, I went back and did another segment with my girl, Rachael Ray, about how to get out of debt (…in 3 simple steps, even)! It was so fun (if you can't tell, I absolutely LOVE going on that show!). Unfortunately I didn't know when the segment was going to air, and wouldn't you know…it aired while we were in Thailand and I completely missed it. #Doh! Luckily they strung together some clips from the segment posted online for those of us who missed it! (See below.)

The reality, though, is that there was a LOT covered in that short 8-minute segment! To help you sort through all the information, I have broken down the 3 steps covered in the segment, and have offered LOADS of additional details below!

But first…how we got out of $15,000 of debt…in one year, on a $31,000 salary:

Getting out of holiday debt! As seen on The Rachael Ray show | FunCheapOrFree.com

As many of you know, Bubba and I got ourselves into significant credit card debt when we were newlyweds, working to build a business. In a short amount of time we found ourselves with $10,000 on just one credit card (about $15,000 in total outstanding debt), an SUV we couldn't afford, $0 in our bank accounts (thanks to a real estate investment gone wrong), and little to no income. It was…terrifying, to say the least.

In researching, I read all about how to pay cash for a house or car, or what 401K's to invest in. I also found loads of sites showing how to find good deals and coupons to clip. But I found no one online who spoke “Jordan”. No one to help me manage the day-to-day, real life finances. How to clothe my kids, make my house a home, and date my husband without breaking the bank.

When it came to realistically managing day-to-day, real-life “lifestyle” finances and budgets, I forged the way on my own…

…and it worked.

Instead of focusing on the $500, $1,000+ dollars that we didn't have as much control over, I created systems for organizing my day-to-day dollars.

I quickly learned that the way to get out of debt, even on a tiny income, didn't come down to the big numbers. Rather, it's the $1, $5, $10 daily decisions that made all the difference.

Today I'll share 3 of the biggest principles I created that not only helped get our family out of debt, but through this blog and my budgeting program (Budget Boot Camp – use the code FCFBLOG to get 10% off!) have helped hundreds of thousands of families tackle their debt and get their finances in order.

And wouldn't you know, it's simpler than you think!

How to get out of holiday debt! From FunCheapOrFree.com

First, here are the compiled clips from my debt segment on Rachael Ray. Watch it online or click and watch below:

Now, let's tackle this debt!

This time of year, debt tends to be at it's all-time high, as we work to recover from the intense holiday spending. To help soften the blow next year, might I first recommend my “How much to spend on Christmas” 3-part series to help you get a decent grasp on your holiday budget.

But now, onto the 3 tips that will help you get out of debt in record time:

1 – How to do a Spending Freeze:

How to do a spending freeze! Video and post, SUCH good info!

A spending freeze is exactly what it sounds like…you freeze your money, and withhold from spending any money for a specific period of time. Then, the money that you would have typically spent during the freeze, you put toward debt, or a specific savings or financial goal. I’ve heard of people doing spending freezes for an entire month or more. And for anyone who has successfully accomplished this, hats off to you. I personally recommend doing spending freezes for just 1 week at a time to start. 7 consecutive days, that’s all! It’s a short enough amount of time that you can do it with little to no preparation, but it’s long enough that you will save a substantial amount of money in that time.

See how to do a spending freeze HERE.

2 – The 7 (at least) bank accounts every family should have:

The 7 bank accounts every family should have to keep budgets and your finances in check! Don't be overwhelmed, and let things spiral... I can help! www.BudgetBootCamp.com

This is one of the most viral posts I've ever had...and for good reason. It sounds CRAZY, right?? Most of us have two accounts – one saving, one checking. Have you ever considered opening MORE accounts to help you organize your money better? If not, then you should! For my husband and I this is one of the single easiest things we did to get us out of our scary financial situation…and fast. And no, you don't have to have lots of money to do it. In fact, we were living paycheck-to-paycheck at the time that this started working the best for us.

For all the details, see a breakdown of the 7 bank accounts HERE.

Here's an additional Q&A video we did on the 7 accounts as well:

3 – The Simplest budgeting technique EVER:

Budgeting can be complicated. Frustrating. Hard, even. When my husband I went through our tough financial time we learned one glaring fact about budgeting…

Simplifying. WORKS.

In this post I will break down my ridiculously simple, easy, and practical personal budget system that single-handedly got us out of major debt (including $10K on just ONE credit card!) and helped us get ahead financially. The best part? It's worked for thousands of people too! The technique works whether you use cash, debit cards, or credit cards to do your spending.

See the simplest budgeting technique HERE.

And lastly, a bonus video, how to pay off debt and still live a little!

_________________________

So there you have it!

Again, I know that's a lot to take in, and it can be daunting. Trust me, I've been there…remember?  But these tips will be sure to help you kickstart your debt-free future.

Again, if you need more assistance and hand-holding, I have created Budget Boot Camp to do all the heavy lifting for you! All you need is a screen and you're set! And don't forget, if you don't save at LEAST what you paid for the program, I'll refund every dime. Use the code FCFBLOG to get an extra 10% off, because I love you 😉

Have you checked out ShelfCooking.com yet? Our brand new site is dedicated to helping you cook delicious, nutritious and budget-friendly meals for your family without slaving away in the kitchen! Basically every parent's dream, right? Join our Shelf Cooking Community today!
Check out ShelfCooking.com
Now, get out there and kick that debt in the teeth!
XO,

Comments

  1. AvatarKim says

    Is your grocery budget of $100/person done with the plan of the whole family being at home for all meals and snacks? In other words, do you plan breakfast and supper at home, but plan for the children to eat at school? I am a homeschooling mom, so my family is home all day everyday. I’m wondering if I should increase my grocery budget based on that? If so, how much would you think is a good amount to increase?

  2. AvatarKatie says

    Spending freeze are my new fav. I love and look forward to the purging and cleansing feeling that follows after a good freeze!

  3. AvatarMelissa says

    I love how you take all the drama out of budgeting and make it so simple and attainable. It really is a breath of fresh air.

  4. AvatarMelissa Eiche says

    You’re so smart and make budgeting seem fun and actually doable! I have been using your grocery budgeting system and it’s saved us hundreds and hundreds of dollars. Thank you!!!

  5. AvatarKeshia Harvey says

    Thanks for sharing your tips! I can’t wait to try them out(and read your other posts!!) to help us finish paying off student loan and car loan debt!

  6. AvatarUmaymah Shahid says

    This. Simple and easy techniques! I especially love the envelope technique. I used to think the cash envelope idea was phenomenal but it turned out to be sooo hard to work with. Your strategy makes it easier to follow through! Thanks!

  7. AvatarAdrie Thomson says

    I would love to win a budget boot camp! My husband and I are in significant amount of debt from his school. He graduates in a couple months! Pick meeeeeeee!!!!!

  8. AvatarDanielle Cowley says

    I love your tips!! I’ve always been a good saver but always love learning more about better ways to do it and pay things off quicker! Thanks for all your advice and for being so open and down to earth!!

  9. AvatarJosi says

    Very interested in this boot camp! My husband and I are stepping up our game this year and need a little help! I feel like this could do the trick!

  10. AvatarAngela Bullock says

    I’ve been following you and love your ideas! My mom taught me to be frugal in every way possible, too! I like learning new ideas!

  11. AvatarAnisa says

    My husband and I just paid off our debt with some of our tax return, but we seem to be in the same boat every year. Just paying off the last years debt. So we don’t get to do anything substantial with that tax money (savings, vacation etc.)
    I’ve been following you for a while, and can’t wait to get your program!

  12. AvatarSadie Maxfield says

    Watching your budgeting video on the I am Mom Summit was the best thing I have ever done (not kidding!) My husband and I have always been pretty smart with our money but I am guilty of spending way more than I should shopping online and throwing all the oreos, ice cream and whatever else I “need” into the grocery cart. My husband just graduated from Physical Therapy school last fall and we have over $200,000 in student loans (YIKES!!!!). I made him watch your youtube videos and we are in desperate need of Budget Boot Camp! HELP!

  13. AvatarTiffany VanOrden says

    Thank you for sharing!! I have done a few spending freezes with you and love how much they help! I am amazed at how much will power I have- when I look at one week at a time!! Trying your simple budgeting technique and suggestions for a smaller grocery budget this month!

  14. AvatarBrielle Hunt says

    I love all your tips on getting out of debt- especially how it’s really the little things I spend money on everyday that make a huge difference!

  15. AvatarDevin says

    My husband and I have been paying off our student loans for just 8 months and we’ve already paid off $7,000 of the $20,000 we owe by following the tips on your blog and Instagram! I LOVE following you and always feel inspired by your down to earth solutions. ❤️

  16. AvatarKristina Gilmore says

    My husband and I are so ready to start implementing this! ?? Bye student loans… hopefully!!! We need this sooo badly!!

  17. AvatarKayla says

    My husband and I desperately need your help! We need a budget overall. Thanks for your tips and I’m going to talk to him about doing budget boot camp!

  18. AvatarKareena says

    These are such great ideas!! I definitely will be using your envelope system! So much easier than the other, more complicated ones.

  19. AvatarLaura Warner says

    I really love that you point out- it’s not the big numbers, it’s the $1,$5,$10 decisions daily. I think that’s my biggest problem! Instead of putting those dollars toward our debt, I think, “I can treat myself a little.” But I ‘treat’ myself WAY too often! Those one and five dollars make a difference! I need to work on that; reign it in!!

  20. AvatarVanessa Durham says

    I think it’s so true about the daily small amounts of money we spend! Those $5 to $20 purchases really add up!

  21. AvatarKeri Ropelato says

    I lovvve how you said it’s usually the $1, $5, $10 that breaks the budget. I have also changed my thinking when you said it doesn’t do any good to have a savings (except for like real emergcy) when you have any type of debt. And I loooove love love how when you guys talk about money you go out to dinner so that you guys can’t raise your voices. —clearly I love everything you guys do.

  22. AvatarJennifer Hall says

    We’re swimming in debt and I’m anxious to get it gone. Debt is outnumbered own fault, but I hat being tied to it. Thanks for these simple rules to start with.

  23. AvatarKim Stubbs says

    I just started the envelope for groceries and other. I also have been doing one day a week spending freeze!!! Small steps but can’t wait to see the difference.

  24. AvatarJasmin Atwood says

    I love this! My husband and I are trying to get out of debt so we can buy a house and it’s terrifying trying to figure out where to start. This is sooo helpful!

  25. AvatarPaige Raymond says

    So many great pointers! I love all of the free advice you give but it would be amazing to participate in the budget boot camp and see what you have to offer there!

  26. AvatarNICOle says

    We really want to get BBC. I am saving up for it. Thanks for your entertaining insta stories. I Look forward to watching them each day.

  27. AvatarHolly says

    My husband and I are in a awful cycle of living beyond our means and going into debt and then paying it off when we luckily come into a chunk of money. I’m a nervous wreck about money all the time because I know it’s not sustainable…I love your practical approach. Looking forward to implementing your tips!

  28. AvatarCallie Bowen says

    Thank you for all your helpful tips and advice on how to get out of debt. That is one of our goals this year. I like how you commented about it’s the small $1 $3 $5 that make a big difference. I am guilty of always saying “it’s only $1. I am setting a new goal, saying no to the little $1 things that we don’t need. Thank you!

  29. AvatarJessica Casto says

    Love these tips! Practical and applicable! Fingers crossed to win a budget boot camp giveaway to learn more of your practical processes!

  30. AvatarLauren L says

    My husband is in his first year of medical school and we are livin off student loans. Already $90,000 in the hole :l Watching your videos and reading your posts have really inspired me to live more frugally and smart! It’s been fun to work together and use your tips to lower our grocery budget!

  31. AvatarLaura says

    I want to try a spending freeze this coming week!! I also need to sit down and budget!!! I am so cavalier with my debit card swiping that I really have no clue how much I spend. How irresponsible and embarrassing!!

  32. AvatarBree bodiford says

    Although my future husband (2 months away, woohooo!!) and I have started implementing all your tips from your blogs, we would love to start your budget boot camp to make it that much more efficiant! Thank you for all your help so far!!!

  33. AvatarKamille says

    I really need to implement all of these in my families life! We are constantly stressed over budgeting and paying our debts off so we can afford a home of our own!

  34. AvatarAnecia says

    Great tips! I can’t wait to implement these and get my husband on board to start paying off some debt and saving some money!

  35. AvatarRachel says

    I love the approach you have on this! I’ll be sharing all of this with my husband to tackle the debt we have and get in control of the day to day stuff.

  36. AvatarLynnette Gannon says

    Our goal this year is to get out of credit card debt. We have implemented some of your ideas but we need to be consistent each week. It’s so true, it’s the small transactions that add up quickly.

  37. AvatarAIi says

    After watching your videos, I opened 7 bank accounts. I DOnt do a very good job of checking them, though! Time to recommit.

  38. AvatarKendra says

    My husband and I just became debt free last summer. We have been trying to move on to saving our emergency fund and retirement and college savings. I have used your budget percentages for the last 3 months but feel like I could learn so much with the BBC! Im finding it challenging to stay encouraged that we will reach our emergency fund goals especially after focusing so hard on kicking our debt to the curb.

  39. AvatarCrissy says

    This is the best advise ?? “I quickly learned that the way to get out of debt, even on a tiny income, didn’t come down to the big numbers. Rather, it’s the $1, $5, $10 daily decisions that made all the difference.” ??
    So true. I have seen time and time again that is the little expenses throughout the month that kill the budget. Thanks for ways to budget better.

  40. AvatarMichelle says

    Love this! Thanks for the tips! I need to do your budget boot camp, not because we are in debt, but because I want to put more in to savings, we want to adopt more children and don’t want to go in to debt doing it.

  41. AvatarShelley says

    I would really like to try this! 7 bank accounts sounds like a lot but I’m sure it’s not as complicated once you get started. I am going to try really hard to do a spending freeze.

  42. AvatarToni Iverson says

    I need help with budgeting. I make a food budget and try each month to follow your rules and still fail:( I know I’m doing it wrong and can’t figure out how to break the cycle

  43. AvatarKylie says

    I’ve been an insta follower for a while and you make it look so simple. I’d love to try this to see if its as simple as you make it look.

  44. AvatarJenni says

    The budgeting system is a game changer! I love how you explain how to borrow money side to side instead of from the following week.

  45. AvatarLynds says

    I’m a single parent, no credit cards, an a bachelor registered nurse, school debt paid off, in my mid 30’s and will have my home paid off this year ?

    My fav is the envelope ✉️ you teach, I live to be organized!

    Would love to learn the entire boot camp!!!

  46. AvatarCharone says

    Going through this blog reminds me of how much I enjoyed your spending freeze. It’s a great challenge and accomplishment when you’ve gone a whole week without spending anything.

  47. AvatarKristi says

    Great ideas, tips, and tricks. I love how simple you make it sound, but I know it will be some work. Thanks for your help.

  48. AvatarFelicia says

    I’m in love with your envelope system!! It’s so simple! I have tried many systems before but none of them ever stick. I have been trying to make my money behave for sometime. I’m hoping this year I can join your budget boot camp. I feel I could benefit from it. I enjoy any/all the tips you offer!! Your amazing and inspiring!!

  49. AvatarBrooke says

    We love watching your insta stories and hearing your great tips! I’ll have to look more into your getting out of debt tips!

  50. AvatarMarissa says

    I’ve been trying to get my hubby on board with saving up our money for what seems like forever! He’s the type where if he has an extra dollar he’s going to find something for a dollar to buy. While I’m the opposite and hate spending money. He makes about four times more than I do a month so I feel bad trying to tell him how to spend his/our money all the time but he recently said we should start saving a part my check each month so that’s a start!

  51. AvatarS Thompson says

    I love this! So basic and easy for anyone to understand and follow. I have definitely become more aware of my small daily purchases that are adding up since you posted about this. Thanks!!

  52. AvatarStacey pyle says

    You came along right when we needed you! We are currently in the depths of our own FD and you give us real hope of getting out! We haven’t had the money to purchase BBC yet but home we can soon!

  53. AvatarMcKell says

    I’m a new freeb (introduced to becoming a free from the I am mom summit). I’ve been watching YouTube videos of yours like crazy and have been so inspired! I actually just got done with the spending freeze. It was awesome and way easier than I expected. Since about September, I have been really trying to build up my food storage (still a lonnnnng ways to go), so I had a decent stockpile. I’m terrible at figuring out what to cook that I didn’t meal plan/find in a recipe book. So the morning I started, I went through all my food and made a list of 14 different dinners I could make from what I had on hand. So if I hadn’t run out of produce, milk and eggs, and having a birthday party for our daughter, we could have gone a lot longer. Thanks for your example and inspiration!

  54. AvatarMishelle Murphy says

    Thanks for your help with everything. Not only do I love your advice from debt to cleaning and everything else but you brighten my day. Thank you thank you thank you.

  55. AvatarHeather Bullough says

    I love how simple you made it seem. This is something I can do! I’m excited to start tackling our debt as taking our lives back.

  56. AvatarKristin says

    We’ve done it!!! This month we stayed to 100$ a person/week! We kept track in February on an envelope like i saw you present i. The Rachel Ray show! I can’t believe how good it feels!! I know there’s days still left in February but i have a meal plan and know we will make it! Thanks for your help!!!

  57. AvatarBre says

    I’m not fully sold on the 7 bank accounts idea…yet! However, I do have 3 different savings account, an accelerated savings that has to stay below $1,000, a savings that $50 from each paycheck goes into and I honestly try to never touch and then a regular savings. I’m going to think more about the different savings but feel like it might give me too much anxiety keeping track of them all. I also have a HSA through my insurance. I got to brag a little about myself that I literally just paid off one of four student loans and one of my credit cards this month using the snowball affect!! Whoop whoop! Happy dance!

  58. AvatarTiffany Tayon says

    Spending freeze, 7 bank accounts, budgeting techniques… “Oh My” this has to be better than what I’m doing now!!! I would love to get my hands on Budget Boot Camp!!!

  59. AvatarKayla Monson says

    I watched this on Rachel Ray and I can’t wait to try out a few of these! We just bought a house so it’s time to re evaluate the budget!

  60. AvatarLaura Scott says

    I’m not sure if we need 7 bank accounts in the UK but I understand the logic and I’m going to give it a go, Il let you know how many I need 🙂

  61. AvatarSydney says

    My husband and I need this in our lives! The only debt we have is our house; but it’s a lot! I’m afraid you’re going to tell us that the only thing we can do is sell our house! Hoping for some good, positive answers! ??

  62. AvatarNina says

    Hi! You both are sunch an inspiration! My goal for 2018 is to get more intelligent about money and finance, most of all working hard to get a peaceful money-mind. I would love to try your budget boot camp and learn as much as I can from you and your life-experience leading up to today! Lots of love from Nina in Sweden ??

  63. AvatarTina says

    We just started following you and you and your story are seriously an answer to our prayers! We actually feel like we CAN get out of our ridiculous amount of debt, on a single budget, with two babies! It’s possible lol! We have been soaking up all we can from your IG, Blog, YouTube, and FB accounts, but have a looooot of learning to do still! I would LOVE to get you program to understand more!!! Thank you!

  64. AvatarWhitney Smith says

    So many legitimate and useful tips! Thank you for how much great {free} content you shared here. I spent quite some time reading your previous posts linked too. My husband and I are finally debt free!! ??? And we have been so grateful to hear some tricks to keep us on track to save. Currently striving for the 70%!!

  65. AvatarLaura says

    We just opened a new checking account (with a new bank) as well as husband and wife accounts. I am excited to try this!

  66. AvatarSpring M says

    Love the simplicity of this, but I know it works! I’m going to do a spending freeze this next week and I actually can’t wait!!

  67. AvatarCourtney Torregrosa says

    I love the idea of his and hers checking. I’m continuously getting frustrated with my husband over his little spending habits. He buys lunch or breakfast every day at work and those little things add up! We have discussed taking out cash for the week, but that burns up so fast! Love this idea! But will it hurt my credit to open more accounts?

  68. AvatarJayne says

    Listening to you makes it sound so easy but I’ve yet to put anything into motion I would so love to win one of your Boot Camp giveaways. We have our own business with no regular income so it feels impossible to budget! Love what you do!

  69. AvatarAmy says

    This is great! I like the spending freeze and I like how you’re realistic about it (one week). I feel like this would be great easy first step if you got out of hand with spending each time. I like what you say about the smaller purchases bc they do creep up on you. I truly believe it was that, that got me so in the hole.

  70. AvatarCrystal Partridge says

    We are working on being better with more accounts. Just a little harder than I thought to get use to it. You guys are awesome!

  71. AvatarLana says

    I wish they would do whole segments in case we miss seeing it. I enjoy watching you on tv but i wish you had more time so you weren’t rushed.

  72. AvatarKourtney K says

    YOu have inspired us! We are trying to dig out of our FD. My husband just got a new job that includes a decent raise in our income. We have decided for the next 6 months (baby steps!) to really crunch down and live on a smaller amount to pay off all our credit cards! In those 6 months, if we push it, we will be able to! Then next up, our vehicles!

  73. AvatarKiana Tracy says

    I’m excited to start paying off debt and hopefully be completely debt free by the end of the year! I am the worst at $1-$10 purchases lol

  74. AvatarAriane says

    This is helping me keep focused so much as we are paying off dental school debt! Also helped me simplify my budget so I stay on target.

  75. AvatarKatelynn Coon says

    My husband and I are going to start implemetning these techniques to help.get our budget under control. Youre very inspiring and motivational. Thank you for all that you do!

  76. AvatarLogan says

    Thank you for sharing your tips! My husband and I are working towards being debt-free and these will come in handy. I have already started using multiple accounts per your suggestion!

  77. AvatarTiffany Nagy says

    I love this so much. I want to get BBC but haven’t financially had the “extra” money for it lately. These tips and tricks are just amazing. I’ve already implemented the envelope trick! I love it

  78. AvatarKristi says

    Thank you for all your info. I have been following you guys for a while but am finally starting to implement things into our life. Multiple bank accounts is one thing I have been wanting to do but scared so after reading/watching this post I feel more equipped to make decisions on which banks and which accounts. Love u guys and all u do!❤️

  79. AvatarKira says

    I am Starting a budget for the first time, and was feeling overwhelmed!!! SO THANKFUL ? I have found your posts to help me get out of debt!!

  80. AvatarAshlee Bassett says

    You’re such an inspiration, Jordan! My husband and I have tried many, many get out of debt programs but none of them have made sense. We haven’t had the extra funds to be able to purchase BBC, so I’m hoping to win one of the free 20 programs! Thanks for all you do!

  81. AvatarKristen says

    We have started using the simplest budgeting system ever and you are so right. It is so easy and we have saved so much on groceries already. At this rate, this time next year we will already be in our own home. Thank you so much for everything you do.

  82. AvatarKarla ramos says

    I have applied so many of these tips through watching your ig stories. You’ve been a lifesaver! Hope to win. Thanks Jordan! #freebsnation

  83. AvatarYazmin Schaefer says

    Yes! I’m a single mama to a toddler and a full time student trying to succeed in my career. My goal is to be debt free by the end of this year on yes just one income. Thank you for the resources!

  84. AvatarJenafor Donng says

    Thanks for the resources and information, this past year was a tough and wasn’t sure where to start. Will be sitting down and implementing these ASAP!

  85. AvatarShauna Lowder says

    I would love to get out of debt and work to getting my house paid off so we don’t have the crazy stresses in life and can travel more. We are almost empty nesters (like 7 years away) and don’t want money stresses.

  86. AvatarPatti says

    Love this tips. Especially the spending freeze. I think my husband would think I’ve gone crazy if I suggested it. Haha!

  87. AvatarSarah Sparling says

    I’ve been doing the envelope system for a couple months now and it has changed how I see money. Now instead of wondering where my money is going, my money is working for me and I know exactly where it is going.

  88. AvatarMary says

    Just recently separated/divorced…… Basically cut the income in half and still have too many bills..I am in desperate need of a budget overhaul! Love the Rachel Ray segment, btw!

  89. AvatarHeather Nutter says

    I was laid off at the end of last year and just found another job. Trying to catch up on the things that got behind. Trying to put some money aside so I can purchase the budget bootcamp! You are truly and inspiration to many keep up the awesome work!

  90. AvatarKayla says

    Thanks for sharing this gem! My husband and I have been implementing these steps since November and have noticed a huge difference! We haven’t reached our goal yet, but I feel confident that we can with these rock solid principles. Thanks Jordan!

  91. AvatarJessie Steele says

    Love your advice! I’m working towards debt free and I think your program would help us so much! You speak to me!!!

  92. AvatarMarissa B says

    I recently became a budget counselor at my church, and I can’t wait to utilize some of your tips into my counseling appointments! My husband and I have 8 bank accounts, and I love that you back that up when we feel crazy for having that many!

  93. AvatarAnne says

    I came on here to leave a comment to win a budget boot camp program….and I really needed to read this. We legit cannnot afford your program so I pray we win this!

  94. AvatarAlysia says

    Omg I am not gonna lie I never read your blog but have been a YouTube folower for years, and on IG I saw your hive away thought I give it a shot and come read a post so I could comment boy did I pick a good blog read so much info. Love you Jordan

  95. AvatarCarly Manis says

    This definitely speaks to me more than other programs I have looked at. I’m thinking seriously about doing BBC because of it.

  96. AvatarMalinda says

    Thanks so much for all of this wonderful info. My husband and I are struggling with so much debt right now and all of the ideas you have given me are helping us.

  97. AvatarMissy says

    I’m putting my 21 year old son on a budget since he is spending all of what he makes! He needs to learn how to budget his money so he doesn’t go in debt when he moves put of our house.

  98. AvatarRebecca says

    Jordan this is such an awesome system. I’ve been following you for about a year. My husband and I don’t have much debt and have a pretty good savings but I would like more and more specific places our money goes, instead of just 1 savings account and a checking. Thanks for all the great tips!!

  99. AvatarWandymar Diaz says

    Thank you so much Jordan for taking the time to create this blog and the videos. It has been a blessing for me and I know it is a blessing for many!!! I really do appreciate it!!! Keep it up you are helping many families like mine!!!!!!!!

  100. AvatarChristy Evereklian says

    I really want to work on budgeting, we eat organic and it seems like we don’t have much control over our food budget either… I need to learn how to fix this!!!

  101. AvatarBrittney says

    My husband and I have been using this program for 3 months now and it has allowed us to save an extra $700 a month! Thank you so much ?

  102. AvatarAshlee Bailey says

    I love how simple you make this! I’m going to try the FREEZE spending, it’s amazing how much we spend in one week on littl things we don’t need!

  103. AvatarCarli Lewis says

    I LOVE this! We recently started doing your shelf cooking concept and guess what? I am currently $160 under budget this month for groceries and I have done all my shopping trips. Now that is savings right there! I can’t wait to read more tips from you!

  104. AvatarAlexis says

    Such great tips! I need that extra push to help us get out of debt and be able to get a house! I need to make that dream a reality for us!

  105. AvatarJessica says

    Such great advice, hoping to be able to do the budget boot camp soon!! We’ve lived paycheck to paycheck for way too long

  106. AvatarMelissa Henson says

    I’ve already implemented several of your suggestions, we now have multiple accounts and I love it. The 100$ a week on groceries has proven to be harder than I anticipated though lol

  107. AvatarDiana Burk says

    Your tips came at just the right time for me. We recently took out a big car loan to get a bigger vehicle that would fit our growing family. Although our debt is pretty manageable, these tips are helping us to pay off our loan in less than half the time (which equals money in our pockets later!) Thank You!

  108. AvatarJanae Hanvey says

    Such good advice! We don’t have debt (besides our mortgage), but living on an educators salary with 3 kids, myself being a stay at home mom… these tips are so helpful for daily, monthly, yearly living!

  109. AvatarTeresa Bess says

    I need to read through this with my husband! We are trying to get out of debt now and a lot of these would help! Thanks!

  110. AvatarKrista Taylor says

    Commenting for the Instagram giveaway but I’ve been using your envelope budget idea for the last few months and LOVE it!

  111. AvatarJessica says

    7 bank accounts sounds so daunting, but it’s a very interesting concept. I really like the 1 envelope idea! I think I see Budget Boot Camp in my future

  112. AvatarKimberly Pech says

    I can’t wait to get started. We need a Budget Plan that will work for us. This will simply our life tremendously. Thank you!!!

  113. AvatarNatalie says

    My husband and I have decided that this year we are going to get out of debt. I would love to take BBC but it just isn’t in the budget. Love all the free content available on this site.

  114. AvatarYeimi Valdez says

    Your brilliant, so simple yet why have we not thought of this ha ha. Thank You for all your videos your family is amazing.

  115. AvatarKalei Wilson says

    I LOVE your budgeting method. I found it and started implementing it in January. Total game changer. I love your point about the little $1, $5, and $10 purchases making the biggest difference. That was always my struggle. It has completely changed my mindset.

  116. AvatarTimmie Mehrens says

    Hi my Daughter is 18 and introduced me to you. I was a single Mom for most of her life I have worked at the same company for 19 years and have struggled with some health problems along the way. I have done a juggling act with my finances for years and was so inspired by watching the video my Daughter showed me. I am turning 40 this year (Yikes ?) and would like to make some career changes and my credit score and chaotic finances have me feeling overwhelmed. I would be honored to win your boot camp. I hope you have a wonderful weekend!

  117. AvatarKaitlyn Jones says

    I feel like we have been stuck in a financial hole for a very long time. I would really like to implement this in our life. We are both tired of constantly worring about money all the FREAKING time.

  118. AvatarMindy says

    I saw you at pinners conference a few years back and you were talking about this envelope! I went home grabbed an envelope, scribbled all our stuffs down and just kept in my purse! it’s like cool quick gkance that reminds me to stay on track every time I grab something from my bag. Also those 7 bank accounts. Helped immensely! Love it! Love you!

  119. AvatarKenzie Read says

    Thank you for always freely giving away your tips & tricks! My husband & I are newly married, he lost his job & we too are living on my income alone. one day I’ll save up enough to be able to buy your program! Thank you for the free tips in the meantime. ❤️

  120. AvatarMegan says

    Jordan, I love all of your financial tips that you share with us Freebs! I am excited and eager to try them out! One day I’d love to start BBC. ❤️

  121. AvatarLacey Kasuske says

    I love your simple budgeting method. I have used it and I love this simplicity. Worked wonders for tracking my weekly schedule expenses.

  122. AvatarApril (RakesPartyof5) says

    Love these ideas! Simple and doable which is great for a busy and large family. Thanks for the ideas and putting them into “Jordan” words which are easier for me as well!

  123. AvatarAmy Harrison says

    Paying off debt is so hard. My husband opt-in and works from home to be with our daughter but since we didn’t claim enough money, we owe taxes last year which we’ve been paying monthly. This just pushes us back further on paying off our debt. You are inspiring and we really want to get on your program.

  124. AvatarLindsey Anderson says

    My husband and I make decent money and when he finished college and we had more money we kind of went a little crazy with remodeling our house and buying things. I would like to rein us in and pay off some things so we have more money in savings.

  125. AvatarAlaina says

    I want to learn your ways! My husband and I REALLY need to get healthy financially and I believe this is the program to change it all.

  126. AvatarErika Hoffenreich says

    I’ve just found you and started to slowly watch and read your posts, but already you e helped many things… we just paid off our truck yesterday AND saved $1,000 into our emergency savings along with budgeted out with this months paycheck a fun couples activity out of state. I got discounts on the trip and feeling really good about our direction. Thank you!

  127. AvatarKristi Clews says

    I love this! I’ve felt the same way about all the budgeting stuff out there. It just doesn’t seem to work for us! Excited to give this a try!

  128. AvatarAlyssa says

    I don’t feel overwhelmed by debt, but I’d love to proactively save more than we do. I’n going to try these ideas!

  129. AvatarLezlie says

    We don’t have a ton of debt, but we are working so hard to get rid of what we can. I love all the advice you give!

  130. AvatarKandalyn Fogg says

    I have watched this video and read the related posts about a dozen times! So much good information here! I could definitely benefit from a little more hand holding through the re vamp process of our finances, but this has given me such a great start! I’m so grateful! Currently coming up on the tail end of our first spending freeze, and planning to head over to the bank later today to set up additional accounts! Thank you for all that you do!!!

  131. AvatarAlicia M. says

    I love the little nuggets of information but, as bright as I am supposed to be lol, these finances are winning. I need step by step instructions. I’m so glad I ran across your site and will definitely be signing up! Budget Boot camp to the rescue!!

  132. AvatarJessica Alvarez says

    I can’t wait to start budget bootcamp! My husband said once I save the money we can do it!! I hate having debt as a newly wedded couple and I can’t wait to start making these changes!

  133. AvatarShelli says

    Omgosh I need to win your budget boot camp give away! Btw- yippee for your 100k followers ?I need to win because I went from a 844 credit score to a while knows now after a horrific accident see the today show interview I did with Matt Lauer after I woke from a coma. I went from a very healthy 6 figure salary to disability (recovering from a TBI-from accident) & now going through a divorce due to domestic violence ? but would love, love, love your bootcamp to budget better & learn all your amazing tricks ? love you & your cute hubby (tell him he needs to end your Tuesday question answers with him dancing- makes my day- maybe even his toe touch!)

    • AvatarBrittney says

      It sounds like a ton but it really isn’t. I was like 7? Yuck sounds like it would be confusing. But if your married you already have 6. A joint checking and savings, and your individual checking and savings. And you’d just need a health account.

  134. AvatarAleta says

    My husband and I are currently working on paying off debt so we can start investing in our future, I’m going to start the spending freeze and using envelopes next week!

  135. AvatarMaddi Jones says

    I Love this!! How amazing! You totally changed my mind set about money. Before we would just buy whatever we wanted… Mostly small purchases and splurge at the grocery store and waste soooo mich foos. Now I am aware of every penny being spent. I think before I spend. I save for stuff i really really want. We spend $100 a week on groceries. We are building our food storage. We are saving alot of freaking money!!!! Woo hoo!!!

  136. AvatarRaegan Parker says

    My husband and I have decided to pay off his law school loans before we buy a house and would love any help you can offer.

  137. AvatarSarah Hastings says

    I really like the spending freeze idea! I have already sent your blog to 3 people in the last 2 weeks after reading about it. I’m in health and in my program we do a detox or fast to reboot our metabolism so I loved your idea of detoxing or rebooting your mental state on spending. Thanks for being awesome!!

  138. AvatarAlicia Atkinson says

    I’ve been a behind the scenes fan for awhile. I’ve talked about gettin your budget boot camp for about 6 months but every time I commit, someone breaks an arm or has an eyebrow cut open with a tooth. (True stories) I realize that the time will never be perfect, but I would like to get to the point where we have an emergency budget. I set the goal that I want to be debt free, completely debt free, in 5 years. I have taken on a job and my hubby has taken on some extra ones, but somedays I feel like we are still running in the same circle. With 6 jobs between the 2 of us, plus being a stay at home mom, we are exhausted and find ourselves on edge with our kids and each other. I often tell myself “this can’t be our life. This isn’t what I daydreamed about when I was planning out my life.” I know we need help, but help is money that can go to other things and round and round it goes. I committed to 2018 being a different year. And I am grateful that my friend introduced me to your blog! Thank you for being vulnerable enough to share what worked for your family and giving me hope!

  139. AvatarRachel says

    Honestly, the 30% rule has been life changing for me. I have no idea why it took that little tip to get me in gear, but thanks!!!

  140. AvatarDyan McDaries says

    So GOOD!!! Our family has fallen off the budget wagon for a while. IT’s TIME TO GET BACK ON!!!!

    Thank you, Jordan for all that you and Bubba do and share with us!!

  141. AvatarBrooke P. says

    We used the snowball method years and years ago and it totally works!! The church actually recommends the same method, if you didn’t know that.

  142. AvatarSharon Breach says

    My husband and I are so close to getting out student loan debt paid off! It’s my goal to get it paid off this year (aka the year we turn 30). I’ve been loving the envelope system! It’s made things so much easier!

  143. AvatarCarli Nelson says

    I so appreciate the time you have put in to do what it takes to get out of debt and using your knowledge to help people! Thank you we need this so much. I have not doubt we can do it! Doing a spending freeze ASAP!

  144. AvatarMolly says

    I’ve been watching all of your budgeting videos on YouTube all week. I’ve got my budget planned, & we’re starting on March 1st! I’m stoked to finally pay off some debt! (The hubs, not so much.. ?)

  145. AvatarSilvana says

    Jordan,
    Thank you for all the excellent advice! This is one post that I plan to bookmark and return to over and over!
    Thanks again for the work you do!

  146. AvatarRachell says

    I’ve used your tips to pay off our car, my student loan, and we will pay off my husband’s student loan this year. We paid (and will pay) off our student loans 10 years early!!

  147. AvatarTara says

    These really are such simple principles but can be so hard to implement! I’m working on my spending discipline and I’m excited to see if the 7 bank accounts helps develop that! ? Thanks friend!

  148. AvatarTracy Garvin says

    We use credit cards for all purchased to help prevent hacks. We pay all the statement balance off each month. Would you consider that debt since we are still having to pay it off the next month?

  149. AvatarBrittney says

    To help on my grocery budget.. because I LOVE grocery shopping. I do grocery pick up. ? best thing that ever happened. I can see my total BEFORE I have to pay. I’m not tempted by things I don’t really need, it saves me so much time and the coupons are online as well. I can easily check the pantry for things I need while I’m shopping. I haven’t gone over my grocery budget once in a year since I started.

  150. AvatarAshley Phelps says

    Love your ideas on getting out of debt! This is something we are currently using to get out of Dental school debt

  151. AvatarMarie says

    Jordan! Thank you for offering this program as a giveaway. As a college student with no clue on dealing with finances and how to keep a budget, I would be super excited to win this program and start getting out of debt now.

  152. AvatarLeah Kuhl says

    I really want to do this program, but don’t know how to get my husband on board! We have so much student loan debt it’s terrifying! Commenting to try and win a free program!

  153. AvatarMeg Eversfield says

    Hey Jordan! First of all, I adore you! I’m following you on all of your social media, but your Insta stories and YouTube are probably my fave. Your most recent video from the mom conference inspired me to get my husband on board and whip our wallets into shape!! We just want a life that we love living and more for our daughter, Stella. She deserves the world!! I asked for budgetbootcamp.com for Christmas, but it just wasn’t in the cards for us this year. I would love to be one of the winners for you hitting 100k! CONGRATS!! You go, girl. Never stop doing what you do best: inspiring other moms. xx! Meg

  154. AvatarStephanie says

    I love these tips. I’m definitely going to try a spending freeze. I think that will help especially with the random Target and grocery store buys.

  155. AvatarErica Brunson says

    I love this and would be so excited to win budget boot camp. I have wanted our family to join for awhile now, but it doesn’t make sense to put it on a cc when the whole point is to get out of debt.

  156. Avatarnatalie troup says

    $52K down in 2 years thanks to some of your advice and others! Forever thankful and always wanting to learn more! The exchange rate is the only reason i haven’t purchased boot camp!!

  157. AvatarKora Gaydeski says

    I have been following you for a while now and absolutely love you guys! I am a young mom to 2 toddlers and a wife who also works full time and homeschools my kids. and I feel a ton of pressure every month to pay all the bills and make sure my kids have what they need!?it’s so stressful! We need a change and I think your program is the answer! I can’t wait to put your program to work for my family! Thanks for all do to brighten my day!

  158. AvatarErin says

    Your tips have helped me SO much in the short few weeks since I found you. When I found your blog I became so pumped and inspired to start saving money the right way! Someday soon I’m hoping to learn even more from you budget boot camp program. Thanks again!

  159. AvatarRachael Wheelwright says

    I love your budget envelope technique!! It’s been so helpful! And all those return envelopes that come in junk mail is what I use so I don’t even pay for envelopes!!

  160. AvatarAlysia Cook says

    Thank you so much for all the awesome information you share! I don’t have any debt other than my house, but I really want to save more and not live paycheck to paycheck. I really appreciate all the I for you share!

  161. AvatarKatie Ivie says

    Thank you so much for your tips! They will make a huge difference for us as we pay of student loans and try to get in a house

  162. AvatarBlair says

    These are such great tips! Budgeting is something we don’t always fight about but sometimes it’s hard to see eye to eye on. looking forward to putting thee into practice.

  163. AvatarCynthia Hughes says

    You are seriously changing our family’s life! We are in debt because of medical bills and, let’s be honest, some really bad choices. I ran across you on youtube while looking for ways to cut our grocery bill. GAME CHANGER. We’ve watched several videos and are now looking at our finances totally differently! We are actually saving money EVERY week that is going toward the debt and saving for a family vacation. NEVER THOUGHT THAT WOULD HAPPEN! My husband lost his job at the coal mine a couple of years ago. They just shut down one day. Leaving a lot of families high and dry. When he was finally able to find another job his pay was only about 1/3 of what it had been. His current job is about half of what he made at the coal mine so, in the past couple of months we have been following your videos and blogs. We are finally starting to see some sunshine again! Thank you!!!!! We are realizing, it IS possible to get out of debt! We have a LONG way to go, but at least we know we can do it!!! Now we are saving up to get budget boot camp!!!

  164. AvatarDestiny Saavedra says

    The 7 banks accounts has been kind of a challenge for us. But i am trying to follow your methods so we can be debt free! Thanks!

  165. AvatarDeenna says

    I’m using these tools and already see a difference! I’ve reached the videos on YouTube several times! I can’t wait for the opportunity to join your boot camp!

  166. AvatarShae Stanger says

    These are great ideas! I personally love the separate bank account idea cause I love having things organized and easy to view and understand…so that is something I want to try doing for sure! But definitely going to try imlimenting all of these – thank you!

  167. AvatarMarielle Weaver says

    My husband and I run two separate homes… long story. If we manage to sell one home and get moved, I’d like to get back on track.

  168. AvatarIvory says

    Wow, you make it seem easier and a little less scary. This should be a mandatory class in high school. If I don’t win I’m getting this for my birthday!

  169. AvatarLora M says

    I 100% agree that it’s about the $1, $5, $10 daily decisions that make the biggest difference. I’m trying to focus on mindful spending in the the little areas!

  170. AvatarMallery says

    I love this! I’m in college right now and I took on two jobs (aside from my hubby’s job) to pay off my car debt! Every time we get extra cash, we put it towards the car! I can’t wait to try your methods out!

  171. AvatarKristen Thayn says

    I love/don’t love the idea of a spending freeze but find it oh so challenging and necessary! Challenge accepted! Thanks for your info.

  172. AvatarKrissy says

    Thanks for all of these tips! I love the spending freeze, we have tried that in our home for a week or more and it’s helped us make bills we weren’t sure we could!

  173. AvatarSarah Davidson says

    Hi Jordan, I am recently out of college only making $29,000 a year and have over $50,000 in credit card and student loan debt. I will definitely start using these techniques to pay off my debt faster!

  174. AvatarSydney Hobbs says

    We’ve just started following a few months ago and already have seen success! Thanks to you we’ve been able to figure out how much to live off of and how to actually budget!

  175. AvatarShannon says

    I love the idea of a spending freeze and I want to try it! Do you have suggestions for those of us with traveling husbands? He has to spend money on tipping his shuttle driver and eating out, etc. If it were up to me, I would have him pack his meals but it really is hard to do that for 3 or 4 days. Thanks!

  176. AvatarKourtney Dalzell says

    It’s definitely the little things that kill our budget. I’m terrible at meal planning and end up getting fast food way too much. Loved seeing you on Rachel ray!

  177. AvatarSara Thompson says

    I love everything about this! I’m excited to sit down with my husband and go though it piece by piece. My biggest ah-ha is that it’s in the small, day-to-day decisions where it has the biggest impact. Thanks Jordan!

  178. AvatarNatalie allen says

    Thank you for being so real! I cant wait to implement these in my life. …..hoping to convince the hubby as well that we need to do this!

  179. AvatarSandie says

    I totally agree that it’s those small purchases daily that make the difference toward being debt free! I know what I “need” to do, but it’s hard denying those daily life pleasures (like coffee and CFA!)

  180. AvatarHeather VanOrden says

    Yay! These are such great ideas! Thank you so much for sharing. I look forward to reading more of your blog and getting more money saving advice!

  181. AvatarTerri says

    Can I just say I love you! As in you are so relatable and have a positive energy about you that is contagious when I read any of your posts here or on Instagram. I first heard about you when my sister bought your program. I saw her doing some of it with her husband and she seemed to love the ideas so I had to look up what this budget boot camp was all about and started following you. Still have a ton to learn about budgeting but your ideas have really helped me. Thanks for being so real and relatable. Love your work!

  182. AvatarChelsea Davis says

    My husband is in grad school and I’m a SAHM so the debt is piling up and it feels so icky. I’m looking forward to paying it off and will definitely be using all your advice. I’m a noob when it comes to finances but the seven checking accounts is like blowing my mind right now. Anyway, thanks for sharing your knowledge with the world! I love how personable and relatable you are, makes me feel like I can do it. ??

  183. AvatarNatosha Burnett says

    I almost can’t believe it. My husband and I didn’t know how much money we were wasting on food until we did plan ahead meals and stuck to a $100 budget. That saves us $200 a month! I also opened up my 6 banks accounts which has made a huge difference in my savings with the 70% rule…I’m actually excited to save money now that it’s so organized! Thank you for making these tips available!

  184. AvatarChelsea Martinez says

    As a newlyweds we my husband and I are looking to get out of our apartment and into a house by next year, and just by reading through this post I actually feel like we can make it happen! Thank you for the great tips!

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