Thumbs UP if you watch Shaytards and your 1ST language is ESPAÑOL! Saludos desde Venezuela!!!!! Love from South America ...Latins love youuuu!!! And I think is soadorable when you speak Spanish! <3
I don't mean this in a gross way but I hope this wasn't pg 13 I wish that they talked about "adult" stuff cause isn't it technically when the kids are asleep hence not here to hear the naughty stuff
I like when they get a little inappropriate. . . I mean this podcast is called "When They Kids Go To Sleep", isn't it specifically for adults... Just my opinion..
1st do people in America and especially in the US usually buy things with their creditcards ? because in germany you just dont do it, some do but not the majority.
2nd shaycarl you got sliced down to the half by a chainsaw i think... :D
@eckemanable yes, a lot of people buy things with credit cards. especially around Christmas. i don't understand why people just don't save their money encase of an emergency or unforeseen event. it just seems like it is not talked about that much and children don't learn how to save. it is just irresponsible but it seems really common. and the whole credit score thing and thinking you have to borrow money is never questioned. people just want to believe the bank is safe and good
I checked my credit score a few months ago and it was really good. I'm 20, 2nd year in college, and no bills in my name...ever. I pay my parents for my car and cell. I found out later that I have good credit because I have student loans, and I don't have to pay them back until I graduate. I have one credit card, but it's locked up in a lock box. They told me it will build credit, but I won't have to pay anything if I don't use it. My parents live on Dave Ramsey, so I hear the same story 24/7. :)
This podcast really gave me the push I needed to get TMMO going. I logged onto my bank account, did a little budgeting and found out that if I didn't withdraw any money from my checking account, I could PAY OFF my CC with the lowest balance! And then next month, if I did the same, I could pay off my next CC with the lowest balance because I could add the minimum payment I was making on January's CC pay off. SNOWBALLIN' IT BABY! This podcast give me strength and I listen to it everyday!
As I was listening to this I have $304 in my checking account. I'm 18 with no expenses still in high school. I put $100 into my savings because I felt good to save it. I don't need $300 at my fingertips. My savings account is worth $2,100 and I am so happy. Thanks!
I listen to the podcast rather than watch the videos, but I wanted to leave a comment. I'm really hoping I can take your advice - especially after watching my parents with their bills and debt.
But what on earth do you do when you're too mentally ill to work. I'm determined to one day push my art work to be able to support myself. Until then I'm living with parents unable to pay my way (I do the cleaning to try 'pay' my way).
Listening to you guys really helps me keep going, thanks guys <3
@glimmerrush96 shut up and don't be so mean! sry that I'm saying something about me... and yes I'm proud of myself and i wasn't bragging i was just saying okay? so leave me alone and take care of your life!
So you were talking about how your going to get your kids only like 2 or 3 things so is that why they got 20 gifts each face it you can not stop giving your kids stuff
I have one credit card on which I purchase a $20 item every month and then I pay it back before the grace period ends. BOOM! Building credit, no interest paid.
Why not just buy one thing on credit, and then pay it back and after that you can buy another thing on credit...? I'm 15 and so don't completely understand how the system works yet but it seems that would be a good way to build up your credit score and get the thing's you wan't without worrying about Debt
Shay, lenders aren't doing manual underwriting anymore. Fannie Mae & Freddie Mac or investors on Wall St certainly not buying that. Only a lender willing to hold the loan in their portfolio may be willing to manually underwrite, but then the price adjustment on the interest rate would be really expensive to the borrower. All casue someone doesn't have credit. It not hard to build credit and avoid interest. Pay off what you borrower at the end of the month. There are perfect borrowers out there.
Yes please do a class! I guess the first assignment is for everyone to get a savings account and put money in it? I'm 16, but I still make money by babysitting, I'm going to get a savings account & put money in it.
If you were to choose 1 of his books to suggest to someone who is just starting to get out of debt, which would it be? please thumbs up guys need an answer
1. Get a $500 credit card (hopefully with a grocery store or some other establishment that gives you money back)
2. Use the card to pay for groceries
3. Pay your bills in full each month
3b. Do not carry a balance
Simple as that. I don't know why Patricia thinks she has to pay interest to build credit. You can also have credit if you pay any bills.. hydro, gas, heat, insurance
i know this has absolutely nothing to do with this video but i just saw this news thing about a two headed baby being born in brazil and because there's only 1 set of organs they're going to have to cut off one of the heads! both brains in both heads are working perfectly there's 2 backbones its just 2 people joined togethor with 1 set of organs so they're gonna have to take a life just so one of the heads can live! :(
Really inspiring. Love you guys. I'm a full-time college student with my only income being student loans and I'm so scared about my future financially, but thank you guys for giving me some hope.
I am convinced that a credit card is a fine way to build a credit score assuming the person using it has some will power or if you don't have the bank cap it at $100. Use it just for paying for gas or some small thing a couple times a month. Something you know you can afford. As soon as the bill shows up online you pay it off right away. This way you won't have to pay interest and you will slowly build credit. My point is you don't have to get yourself in any trouble to build credit.
Christmas is coming up and I decided to make a Christmas tribute video for the Shaytards, Carlietards, Kaylitards and their family. But I need your help! Your job is to wish them a merry christmas! It can be a short video (max. 15s), a picture, photo..anything creative! I will put up all entries into one video and will upload it on Christmas day. To submit your art, send it to cb@bco.co.at. Deadline: 23.12.11 !!
hey shay if you reading this. you know how your renting in LA, why dont you buy a house, take out a loan and the money that you used to pay for rent, pay that off your house loan, because if you work it out, say if your rent was $800/week (or what ever) that X 52 is $41,000 you could have payed off the loan and at the end you will have a house and not just be jumping from rental to rental :) . thats what i always got told and have never rented in my life.
@micksick16 If you have watched the podcasts and vlogs then you should know that he actually offered to buy the house they are currently in but was turned down. They have owned their own house since pretty much they have been married. They already own two houses. Shay and Colette always talk about good financial practices and follow Dave Ramsey's "financial guides" I'm pretty sure Shay doesn't need any advice. They are debt free.!
There is no way to go through life without debt! Unless you do not have a home or you are born rich. To be looked at in this society you need a credit score and that is by proving you are capable of paying bills. (having credit cards)
im 15 year old girl and my dad has a credit card. and my dad has no money on his bank account now because he borrowed money to pay some thing. then i just started to talk to him and i said the same thing what shay and Colette taut me. and now that i told my dad about what u guys taut me he said that he might quit borrowing so much money from the bank SO THANK U for teaching me this :)
Christmas is coming up and I decided to make a Christmas tribute video for the Shaytards, Carlietards, Kaylitards and their family. But I need your help! Your job is to wish them a merry christmas! It can be a short video (max. 15s), a picture, photo..anything creative! I will put up all entries into one video and will upload it on Christmas day. To submit your art, send it to cb@bco.co.at. Deadline: 23.12.11 !!
ahhh im in espanol1 and i know what u r saying! haha nah conjagation for me isnt that hard just o as amos an or o es emos en doy das da damos dan and so on! haha :)
I would love for you to teach a Dave Ramsey class on podcast. It's kinda a catch 22. Someone like me who needs this the most, is the most likely to not have an extra $20 to buy his book or even more to take the course at church. So I would SO love to be able to learn about it in your podcast. Or maybe one of the signed books he gave you. Hint hint! :)
I don't believe in marriage. Why do I need a legally binding document to prove my love and commitment? If anything, I think it shows that you really are commited to someone if you DON'T get married. Then you are trusting them to stick with you. I also refuse to get married until everyone can. It's unfair that gay and lesbian people cannot marry. That's just my opinion, but I totally respect your guys' marriage. It's very beautiful and you guys are great people :)
@FGFsMolegally "binding document to prove my love and commitment " because ur a fucking asshole.....there is a fucking clear difference b/w assholes fucking sluts by shit titles and good people having a relation...marriage is to show that fucking difference ...assholes like to want to run away from the fucking responsibilities....your a fucking cheat......son of a gun and mother fucker .nobody believe in you .even ur fucking gf
@FGFsMo ........asshole lisen to this ..why you need a driver license ?
a fucking certificate from an educational institution..........because nobody fucking believe in each other......so asshole you need a fucking marriage certificate ....to prove to the fucking society to prove that you are not a asshole.....and u keep ur fucking love and committed to that bitch ........or if u cheat u pay for it.....got it now ...need of fucking prof
@FGFsMo .....you are fucking typical asshole..........
the fucking lesbian or fucking gays are the people are with physical and mental problem....
like a fucking blind or handicapped person......ya its fucking natural......but is it fucking common???...........its a fucking defect asshole.......that assholes should try the fucking medical treatments and turn into that shit they want.....male or female..
@FGFsMo fucking lesbians or fucking gayare fucking defects because those assholes........can not create fucking offspring's......fucking gays r made by fucking straight assholes.........marriage is for fucking males and females........its like a fucking tradition..[as person gays got equality.........but still its a fucking defect.....]....
@FGFsMo most of the fuckers are idiots like u.....those asshols things that being gay is something is fucking differnt and good....so many assholes becomes this shit and try to get some fucking attraction........its like being a fucking atheist asshole.......ur one of them i know.....i love to fuck ur mom in her fucking ass ........
ugh shay ,..i have been with my bf for almost 3years next month and we want to get married but like you said where waiting till where financially ready,..but hearing everything your saying its like man,..it scares me if we took that step of getting married right now.
Hey guys. Remember during Rocktard's birth in June 2010, Shay told us how Rocktard's birth was the easiest compared to the other kids' and that you'd tell us that story sometime. Well it's been 1.5 years and you haven't told us yet so now would be a good time to share that. Xo. :)
It's perfectly fine to borrow money as long as you do it in the right way. The problem is, most people don't have any financial education and end up doing stupid things and getting themselves into trouble. I'm glad my school requires you to take at least 1 financing class.
Give 10% to your religion, which religion is it where they have to give 25% of what they make... is it scientology or jehovah withnesses? i forget but i think that's ridiculous... like the catholic church does fine with just donations but that's because it's a big religion... the reason why these guys ask for these donations is to make it bigger... imo that's making a religion look more of a business than a place of worship.
I like Shay's opinions, but uggghhh, I didn't come on the podcasts to listen to Shay preach financial advice. I came here for the humor, quite absent in this video.
See i'm only 17 and i know pretty soon i'll be faced with the options of credit cards and financing and having to keep track of my own money. i really like everything Shay and Colette say because it makes sense. My parents have very good credit scores and have never had debt and they've taught me the same principals, but it's still cool to hear a different perspective. i'm definitely take into account everything they say.
This was SUCH a good idea for a show/podcast, we really get to hear what you wouldn't be able to sit and discuss in a normal video for any of your channels so this is great Thanks so much <3
@iiris700 good jobb you can speak 5 languages, you have way too much time on your handssss my friend.... but thanks for bragging! we know who to find if we ever need a translator for those languagesss
Be smart about your credit card. You don't have to use it if you have one. Only put on it what you can pay off at the end of the month. Payment history is the biggest part of your credit score. So if you put $20 on your card every month and pay it off at the end of that month you will increase your score greatly.
Each month I donate 10 euros to katimoe association, a private initiative that attracts the plight of stray cats. I am the godmother of Beauke, Beauke has epilepsy and needs regular medication. I know what it's like to be sick and not much money for medication and doctor visits.
I've been watching you guys for a long, long time. I don't know what the difference is about this video compared to all the others when you talk about debt, but I've decided to completely cut myself off of my credit card after watching this one! Every other time, I always think it's a great idea, but never actually follow through, but this time I am. My twins and I want to thank you for everything you guys do! I love when you have videos like this one. Thank you so much! 3
And with the 10% to God thing, anyone who thought that was literal is an idiot. The money goes to the church/ and or the church's goals. Church communities of any denomination cannot magically survive without money. Churchs' collect money for charitable causes, general repairs and upkeep, as well other things such as salaries for clergymen. Churches have to survive economically like any other organization, or they wil be able to do nothing for its members.
No more financial advice please. It's so boring, and it's not why I watch you two. I'm 17 without a job or bills, but it must take a real "tard" to not understand this plan. Don't spend more than you have. Work hard, Save, save,save, and then be conservative with your income. You don't need a degree in youtubeology to figure out this crap.
My husband and I don't have credit and we are currently screwed by getting a house. We're against credit cards, but we been trying to get one. Sadly, we been getting rejected.
i love u colette and shay ibe neeb watching u guys since september 2 years ago like when u guys lived in calfornia the first time i was wondering if u guys can talk about princesstard getting lost? alright love u shaytards!<3
If you hate the banking system and dislike how interest can work against you, then you should not support the way that interest works for you, either.
That money that you make needs to come from somewhere, and part of that is from the people that the interest is working against. If you really want the banking system to change, then do not encourage it by self-centered greediness.
Look at the bigger picture and act how you want the general population to work together towards.
Shay i hope you read this...since about 2 months ago now you have motivated me to start getting fit and losing weight...i want to thank you for all your advice and i hope you know how many people you have helped to make a difference in their lives. I so far have lost 2 stone and am around 13 stone now..your advice continues to motivate me so keep it up! lifelong shaytards fan
Thank you Shay & Colette! I definitely learned a lot from this episode. I'm the person that has NO idea about anything finance, credit, credit scores, etc. But as a soon to be college grad, I need to kick start my knowledge in all these topics! And this was the perfect video to start with!!! I'm favorite-ing this video right now, and I would definitely watch a video of you guys teaching a class!
My boyfriend and I have a credit card, but we don't use it unless we HAVE the money. And I'm planning on getting a car in the spring, and I am going to get a loan for it, but I'm going to have the money sitting in the bank, just to build up my credit score. Mostly, its for my future. When I do need to buy a house. I think that you just have to find what works for you, and go with it. Just don't spend money that you don't have. That is the most important thing, I think.
If you want to build a good credit score, get a credit card and pay the balance off immediately after purchasing something. Don't buy anything that you can't afford. Use it like a debit card, just with the added step of paying the bill.
I'm a 20 years old full-time student (on a full-ride scholarship) & part-time employee (earning minimum wage) with a small limit credit card for the purpose of building up my credit. I don't even have much money on my credit card & it scares the crap out of me. I would TOTALY watch a class from you guys about debt, credit, & just life to learn the best way to start my own life. <3 Love you guys. You are always enriching my life weather its with laughter or knowledge.
I like wtkgts more with every new video. As a business owner & a 20 year old trying to work to get money for school I feel dumb sometimes for not getting a credit card or trying to get a good credit score or take out student loans that'll cost me a lot of money. Growing up in a family of 6 I know what it's like to always live on a small budget & shop at thrift stores and know I don't need much. So it's nice to know other people have the same views on credit that I do. Love ya shaytards :)
After yours guys last podcast, I kind of don't want to ask for anything for Christmas because I don't want to put my parents into debt. I don't really know their financial situation, but I have three other younger siblings that want a lot, so I feel that it won't cost my parent as much if I don't ask for anything. Plus, it's about time for me to get a job so I can help with paying bills! :)
Hey guys, I love the videos and I just wanted to ask you a question because you two seem good with your marriage and it's a problem I have with my relationships. I want to know if one or both of you are jealous of other people (of the opposite sex obviously) talking to one another, and what you think of jealousy in relationships. I personally am an extremely jealous man and I would like to have experienced people's take on it. Thanks :)
please do an online class, im only 15 and dont know anything about how banks/money works and would love to know so i can have a bright future without debt!
So tired of people assuming others are idiots on here. Some of us have more education than you do with your retarded @ replies, so think before you say something to us.
You two were absolutely meant to be together. You were put on this earth to be an influence to anyone who is listening. Though I differ from you religiously, I am strong christian, I respect the commitment you have to your religion, to yourselves, and to helping anyone and everyone. I without a doubt love the influence you have on my life. With this moving podcast you have lit a fire under me to find a job, do better in college, and change my ways. I love you two with all of my heart.
Why do I live w/ my BF and not get married? Because if we got married, he would be legally responsible for my debts. I am currently in University and am pushing 60,000 in debt. If I suddenly died, he would be responsible for it. Why would I do that? He can help me without getting married (which he is). There is no point in making him responsible for debt that is not his. We will wait until I am out of debt, and then we'll get married. This does not imply that I am any less committed to him.
@o0Theresa0o From a financial perspective, it doesn't make sense to rush marriage. Like I said, it just makes the person you marry responsible for your debt. You can both work on paying it off, married or not, but don't take the chance of leaving them with all that debt. What if I got hit by a car tomorrow? If were married, I've just left him a HUGE amount of debt. Bad idea. Pay off as much debt as you can, and then get married. A marriage cert. doesn't change your relationship.
this made sense. thank you soooo much! I'm 21 and still living with my parents(mostly because it's cheaper and im scared to live by myself lol) and completely scared and mindblown about living on my own at some point in my life because of money issues and now I'm starting to understand it more because of this video. Thank you!!!
my goal is to be debt free within 5 years so my husband and I have been starting to "snowball" our debt since listening to your earlier podcasts...I was wondering if we should continue doing that..or go to one of those debt consolidating people..so we only have ONE payment as opposed to 4 different payments???
I'm not sure how, but we never have had a credit card and we just bought a house and found out we had a fantastic credit score. No idea how or what that was based on, but it's possible to do it by being totally debt free.
yea....im in high school and im taking my 3rd year of spanish...woot woot!
zinigang 6 hours ago
60 hrs a week? holy crap.
gingeee8794 1 week ago
I'd go to your financial class!
DKproductions 3 weeks ago
Which podcast do they talk about PT getting lost in Disneyland?
JennyRawr123 4 weeks ago
@JennyRawr123 im pretty sure its podcast 22 :)
vmg19 3 weeks ago in playlist More videos from WhenTheKidsGoToSleep
I love love love this podcast! I love hearing the Shaytards view on money. I think you guys give good advice :)
GirlsnightoutLA 1 month ago
Thumbs UP if you watch Shaytards and your 1ST language is ESPAÑOL! Saludos desde Venezuela!!!!! Love from South America ...Latins love youuuu!!! And I think is soadorable when you speak Spanish! <3
girlofsummer 1 month ago
Yo los puedo ayudar a hablar español!!!! I can help you guys to speak spanish!!! I love youuu! Los amoooo!
girlofsummer 1 month ago
I don't mean this in a gross way but I hope this wasn't pg 13 I wish that they talked about "adult" stuff cause isn't it technically when the kids are asleep hence not here to hear the naughty stuff
Dreaminstar64 1 month ago
I like when they get a little inappropriate. . . I mean this podcast is called "When They Kids Go To Sleep", isn't it specifically for adults... Just my opinion..
Nu2DaNu703 1 month ago
SHAY! You are wearing the same yellow shirt in like 5 podcast. Not that I care.. Just think its funny :) lucky yellow podcasting shirt!
Pinkfeathers31 1 month ago
Get Married Quick Shay is promoting super insperational
XxFansofFansxX 1 month ago
I am 14 and like I said only want a credit card for a house and maybe a car but a debit card or paper bill is my ideal money source
XxFansofFansxX 1 month ago
I just want a credit card when I get older to get a house and maybe a card but I rather have a debit card or paper bills
XxFansofFansxX 1 month ago
this truly was the BESt podcast EVER! such an inspiration you guys aree!!!! I love you guys I hope to meet you guys somedayyy.
pinkwall94 1 month ago
hahahahahhhaha shay, your spanish it's so bad i laughed so hard =) you too are awesome and have created SUCH a lovely family. Hugs from CHILE!
barbsmora 1 month ago
hey this is very good financial advice, could you continue talking about this stuff?
sk8hack 1 month ago
I have seen EVERY vlog you have made
DayLightBreaksTheSky 1 month ago
hey, im from germany and 18 yrs old,
1st do people in America and especially in the US usually buy things with their creditcards ? because in germany you just dont do it, some do but not the majority.
2nd shaycarl you got sliced down to the half by a chainsaw i think... :D
sry for bad english :X
eckemanable 1 month ago
@eckemanable yes, a lot of people buy things with credit cards. especially around Christmas. i don't understand why people just don't save their money encase of an emergency or unforeseen event. it just seems like it is not talked about that much and children don't learn how to save. it is just irresponsible but it seems really common. and the whole credit score thing and thinking you have to borrow money is never questioned. people just want to believe the bank is safe and good
jeteaze 1 month ago
I LOVE Colette's shirt. I wonder where she got it
SumayahMayah 1 month ago in playlist More videos from WhenTheKidsGoToSleep
I checked my credit score a few months ago and it was really good. I'm 20, 2nd year in college, and no bills in my name...ever. I pay my parents for my car and cell. I found out later that I have good credit because I have student loans, and I don't have to pay them back until I graduate. I have one credit card, but it's locked up in a lock box. They told me it will build credit, but I won't have to pay anything if I don't use it. My parents live on Dave Ramsey, so I hear the same story 24/7. :)
TheSkitzAlot 1 month ago
This podcast really gave me the push I needed to get TMMO going. I logged onto my bank account, did a little budgeting and found out that if I didn't withdraw any money from my checking account, I could PAY OFF my CC with the lowest balance! And then next month, if I did the same, I could pay off my next CC with the lowest balance because I could add the minimum payment I was making on January's CC pay off. SNOWBALLIN' IT BABY! This podcast give me strength and I listen to it everyday!
aelievense 1 month ago
I have notice that u guys wear the same cloths for every 2 videos of WTKGTS thumbs up if u notice too!
Soccerisbeast9900 2 months ago
@GavinMyra Shay has a different shirt.
BlackBombTV 2 months ago
Good advice
jayhant 2 months ago
Shay and Colette you are a inspiration and have changed the way I am going to look at money in 2012
Bomber8597 2 months ago
I have her necklace!!!! :D
annaqt321 2 months ago
As I was listening to this I have $304 in my checking account. I'm 18 with no expenses still in high school. I put $100 into my savings because I felt good to save it. I don't need $300 at my fingertips. My savings account is worth $2,100 and I am so happy. Thanks!
marisasoliz6 2 months ago
I listen to the podcast rather than watch the videos, but I wanted to leave a comment. I'm really hoping I can take your advice - especially after watching my parents with their bills and debt.
But what on earth do you do when you're too mentally ill to work. I'm determined to one day push my art work to be able to support myself. Until then I'm living with parents unable to pay my way (I do the cleaning to try 'pay' my way).
Listening to you guys really helps me keep going, thanks guys <3
Anmagdan 2 months ago
@GavinMyra if you look back over the videos majority are done like this. they film 2 in one day and put them on youtube on different days.
misscoolishere 2 months ago in playlist More videos from WhenTheKidsGoToSleep
@glimmerrush96 shut up and don't be so mean! sry that I'm saying something about me... and yes I'm proud of myself and i wasn't bragging i was just saying okay? so leave me alone and take care of your life!
iiris700 2 months ago
My name is Mandy, according to my memory... you owe me £1000.
xmandiixsx 2 months ago
So you were talking about how your going to get your kids only like 2 or 3 things so is that why they got 20 gifts each face it you can not stop giving your kids stuff
theamazingTINYD 2 months ago
Wedding story pleaaaase.
tfmuggleblood 2 months ago 17
@tfmuggleblood with vids and pictures!!!
BaudelaireOrphan1 1 month ago
I have one credit card on which I purchase a $20 item every month and then I pay it back before the grace period ends. BOOM! Building credit, no interest paid.
abster120 2 months ago
I agree guys. Lucky my mom and dad don't have credit cards :) and hopefully I wouldn't wanna get a credit card in 2 years time :3
UltimateAveda 2 months ago
Tell us the story of your wedding!!! That would be so fun:)
Rachels2Awesome 2 months ago
Have $200 000 000 in the bank and poof, good credit score.
RicRagsLive 2 months ago
Why not just buy one thing on credit, and then pay it back and after that you can buy another thing on credit...? I'm 15 and so don't completely understand how the system works yet but it seems that would be a good way to build up your credit score and get the thing's you wan't without worrying about Debt
Zan0ra 2 months ago
Comment removed
misscoolishere 2 months ago in playlist More videos from WhenTheKidsGoToSleep
This has been flagged as spam show
@Zan0ra because they wont give you a credit card to buy anything if you dont have a credit score in the first place
misscoolishere 2 months ago in playlist More videos from WhenTheKidsGoToSleep
Shay, lenders aren't doing manual underwriting anymore. Fannie Mae & Freddie Mac or investors on Wall St certainly not buying that. Only a lender willing to hold the loan in their portfolio may be willing to manually underwrite, but then the price adjustment on the interest rate would be really expensive to the borrower. All casue someone doesn't have credit. It not hard to build credit and avoid interest. Pay off what you borrower at the end of the month. There are perfect borrowers out there.
dirtylos30 2 months ago
Yes please do a class! I guess the first assignment is for everyone to get a savings account and put money in it? I'm 16, but I still make money by babysitting, I'm going to get a savings account & put money in it.
CoolVideoWatcher101 2 months ago
If you were to choose 1 of his books to suggest to someone who is just starting to get out of debt, which would it be? please thumbs up guys need an answer
shushannab143 2 months ago
1. Get a $500 credit card (hopefully with a grocery store or some other establishment that gives you money back)
2. Use the card to pay for groceries
3. Pay your bills in full each month
3b. Do not carry a balance
Simple as that. I don't know why Patricia thinks she has to pay interest to build credit. You can also have credit if you pay any bills.. hydro, gas, heat, insurance
shushannab143 2 months ago 4
i know this has absolutely nothing to do with this video but i just saw this news thing about a two headed baby being born in brazil and because there's only 1 set of organs they're going to have to cut off one of the heads! both brains in both heads are working perfectly there's 2 backbones its just 2 people joined togethor with 1 set of organs so they're gonna have to take a life just so one of the heads can live! :(
xParadoxHDx 2 months ago in playlist More videos from WhenTheKidsGoToSleep
Really inspiring. Love you guys. I'm a full-time college student with my only income being student loans and I'm so scared about my future financially, but thank you guys for giving me some hope.
Anna5151 2 months ago
this was amazing!
ItsKarenDuh 2 months ago in playlist More videos from WhenTheKidsGoToSleep
Shay..Just shut up.. for 5 minutes!
InsaneEllie 2 months ago
Whatever happened to just not having kids if you don't have money??
choQ89 2 months ago
my parents throw newspapers BUT they NEVER had a credit card. only Debit
JoeyZDX 2 months ago
I will sign up to your class please come to Mass...
cia02740 2 months ago
i think its eye opening to hear about the credit card/debt experiences theyve had, learn from other peoples mistakes right?
i love shay and collete, theyre so inspirational
OMGitsH0lly 2 months ago in playlist More videos from WhenTheKidsGoToSleep
ive never missed a showww:D !!
discogirl234 2 months ago
I am convinced that a credit card is a fine way to build a credit score assuming the person using it has some will power or if you don't have the bank cap it at $100. Use it just for paying for gas or some small thing a couple times a month. Something you know you can afford. As soon as the bill shows up online you pay it off right away. This way you won't have to pay interest and you will slowly build credit. My point is you don't have to get yourself in any trouble to build credit.
snides84 2 months ago
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Christmas is coming up and I decided to make a Christmas tribute video for the Shaytards, Carlietards, Kaylitards and their family. But I need your help! Your job is to wish them a merry christmas! It can be a short video (max. 15s), a picture, photo..anything creative! I will put up all entries into one video and will upload it on Christmas day. To submit your art, send it to cb@bco.co.at. Deadline: 23.12.11 !!
chrissietard 2 months ago
hey shay if you reading this. you know how your renting in LA, why dont you buy a house, take out a loan and the money that you used to pay for rent, pay that off your house loan, because if you work it out, say if your rent was $800/week (or what ever) that X 52 is $41,000 you could have payed off the loan and at the end you will have a house and not just be jumping from rental to rental :) . thats what i always got told and have never rented in my life.
just something i thought i would share
micksick16 2 months ago
@micksick16 If you have watched the podcasts and vlogs then you should know that he actually offered to buy the house they are currently in but was turned down. They have owned their own house since pretty much they have been married. They already own two houses. Shay and Colette always talk about good financial practices and follow Dave Ramsey's "financial guides" I'm pretty sure Shay doesn't need any advice. They are debt free.!
mandy81133 2 months ago
There is no way to go through life without debt! Unless you do not have a home or you are born rich. To be looked at in this society you need a credit score and that is by proving you are capable of paying bills. (having credit cards)
WestaLeah 2 months ago
"Oh would you look at this"
WestaLeah 2 months ago
13 and 14 you guys are wearing the same outfit too. I was wondering if you guys filmed two episodes in one day?
apowicket 2 months ago
EXCELLENT ADVICE! :D
shanntheman36 2 months ago
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im 15 year old girl and my dad has a credit card. and my dad has no money on his bank account now because he borrowed money to pay some thing. then i just started to talk to him and i said the same thing what shay and Colette taut me. and now that i told my dad about what u guys taut me he said that he might quit borrowing so much money from the bank SO THANK U for teaching me this :)
VanessaDelarosea 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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VanessaDelarosea 2 months ago in playlist More videos from WhenTheKidsGoToSleep
This has been flagged as spam show
Christmas is coming up and I decided to make a Christmas tribute video for the Shaytards, Carlietards, Kaylitards and their family. But I need your help! Your job is to wish them a merry christmas! It can be a short video (max. 15s), a picture, photo..anything creative! I will put up all entries into one video and will upload it on Christmas day. To submit your art, send it to cb@bco.co.at. Deadline: 23.12.11 !!
chrissietard 2 months ago
awwwwwwwww, it's cute that you can see shay trying his best to let mommytard talk, hahaha (:
LoveOtakus 2 months ago
ahhh im in espanol1 and i know what u r saying! haha nah conjagation for me isnt that hard just o as amos an or o es emos en doy das da damos dan and so on! haha :)
kjg8811 2 months ago
I would love for you to teach a Dave Ramsey class on podcast. It's kinda a catch 22. Someone like me who needs this the most, is the most likely to not have an extra $20 to buy his book or even more to take the course at church. So I would SO love to be able to learn about it in your podcast. Or maybe one of the signed books he gave you. Hint hint! :)
alwaysaprilmac 2 months ago
I don't believe in marriage. Why do I need a legally binding document to prove my love and commitment? If anything, I think it shows that you really are commited to someone if you DON'T get married. Then you are trusting them to stick with you. I also refuse to get married until everyone can. It's unfair that gay and lesbian people cannot marry. That's just my opinion, but I totally respect your guys' marriage. It's very beautiful and you guys are great people :)
FGFsMo 2 months ago
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@FGFsMolegally "binding document to prove my love and commitment " because ur a fucking asshole.....there is a fucking clear difference b/w assholes fucking sluts by shit titles and good people having a relation...marriage is to show that fucking difference ...assholes like to want to run away from the fucking responsibilities....your a fucking cheat......son of a gun and mother fucker .nobody believe in you .even ur fucking gf
salrun07 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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@FGFsMo ........asshole lisen to this ..why you need a driver license ?
a fucking certificate from an educational institution..........because nobody fucking believe in each other......so asshole you need a fucking marriage certificate ....to prove to the fucking society to prove that you are not a asshole.....and u keep ur fucking love and committed to that bitch ........or if u cheat u pay for it.....got it now ...need of fucking prof
salrun07 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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@FGFsMo .....you are fucking typical asshole..........
the fucking lesbian or fucking gays are the people are with physical and mental problem....
like a fucking blind or handicapped person......ya its fucking natural......but is it fucking common???...........its a fucking defect asshole.......that assholes should try the fucking medical treatments and turn into that shit they want.....male or female..
salrun07 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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@FGFsMo fucking lesbians or fucking gayare fucking defects because those assholes........can not create fucking offspring's......fucking gays r made by fucking straight assholes.........marriage is for fucking males and females........its like a fucking tradition..[as person gays got equality.........but still its a fucking defect.....]....
salrun07 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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@FGFsMo most of the fuckers are idiots like u.....those asshols things that being gay is something is fucking differnt and good....so many assholes becomes this shit and try to get some fucking attraction........its like being a fucking atheist asshole.......ur one of them i know.....i love to fuck ur mom in her fucking ass ........
salrun07 2 months ago in playlist More videos from WhenTheKidsGoToSleep
@salrun07 Damn, anger management
IDuskBlade 2 months ago
wow shay&colette! my sister and new brother-in-law just got married the 14th but they where not waiting for financial things.
scable123 2 months ago
ugh shay ,..i have been with my bf for almost 3years next month and we want to get married but like you said where waiting till where financially ready,..but hearing everything your saying its like man,..it scares me if we took that step of getting married right now.
Redzyify 2 months ago
Hey guys. Remember during Rocktard's birth in June 2010, Shay told us how Rocktard's birth was the easiest compared to the other kids' and that you'd tell us that story sometime. Well it's been 1.5 years and you haven't told us yet so now would be a good time to share that. Xo. :)
Mssamgirl15 2 months ago 151
@Mssamgirl15 probably becuz mommytards gotten wider and looser
LoluskPoo 1 month ago
WOW were have i been SHAY YOU LOOK AMAZING!!!!!!!!!! SO PROUD OF YOU!!
ElliSoFine21 2 months ago
I were painting my nails and this 27:32 almost made me screw the hwole thing up, I laughed so much!
kuttebulle 2 months ago
AND WHERES HIS BEARD
oussamacabronnify 2 months ago
WTF HE LOST WEIGHT WHERES FAT SHAY
oussamacabronnify 2 months ago
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MsPinkyPuppy 2 months ago 6
@MsPinkyPuppy She said, My dress were 300
SinchaSincha 2 months ago
@MsPinkyPuppy if she did have one they definitely didnt cost 300. unless she went to mexico. They cost way more than that
WestaLeah 2 months ago
@MsPinkyPuppy she said dress lol
OCamillaVanillaO 2 months ago
@OCamillaVanillaO REALLY ? LoL, im so embarrassed right now xD
MsPinkyPuppy 2 months ago
@MsPinkyPuppy she said dress not breast
dnoah88 2 months ago
@dnoah88 Yeah, i know, my bad :)
MsPinkyPuppy 2 months ago
I promise I've never missed a vlog. Been here since day one! love you guys :D
barbaric37 2 months ago in playlist More videos from WhenTheKidsGoToSleep
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MskLeeSay 2 months ago
Why does Shay wear that red bracelet? Is it for that religion, all the famous people believe...Kabala?
rathernot521 2 months ago
It's perfectly fine to borrow money as long as you do it in the right way. The problem is, most people don't have any financial education and end up doing stupid things and getting themselves into trouble. I'm glad my school requires you to take at least 1 financing class.
ISwishAndFlick 2 months ago
Give 10% to your religion, which religion is it where they have to give 25% of what they make... is it scientology or jehovah withnesses? i forget but i think that's ridiculous... like the catholic church does fine with just donations but that's because it's a big religion... the reason why these guys ask for these donations is to make it bigger... imo that's making a religion look more of a business than a place of worship.
TheAftermathPhil 2 months ago
Thats funny. I'm watching this on my Dell Inspiron... but it's a 2010 notebook. so iit's a bit different :P
TheAdzyPadzy 2 months ago in playlist More videos from WhenTheKidsGoToSleep
I like Shay's opinions, but uggghhh, I didn't come on the podcasts to listen to Shay preach financial advice. I came here for the humor, quite absent in this video.
vince7 2 months ago
Ive just started saving and this was a great help, thank you guys
LadyVenomWay 2 months ago
i have NEVER missed a vlog! love you guys!
xoxokristen159 2 months ago in playlist More videos from WhenTheKidsGoToSleep
Now I want to work and save money :)
jplovecchio410 2 months ago
my question is "Shay do you miss the beard"?
jody808 2 months ago
hey guys, been a fan of your youtube videos for a couple of year, nice to hear you doing a podcast
jody808 2 months ago
soooo borrow the banks money and pay more money then you borrowed. in order to borrow more money...wow....
pencil977 2 months ago
you should tell that to jesse P:
thosteecrakr 2 months ago
Oh a better idea is to tell us all the best wa y to find a great car even if it`s not brand new. X fingers
imabee2010 2 months ago
See i'm only 17 and i know pretty soon i'll be faced with the options of credit cards and financing and having to keep track of my own money. i really like everything Shay and Colette say because it makes sense. My parents have very good credit scores and have never had debt and they've taught me the same principals, but it's still cool to hear a different perspective. i'm definitely take into account everything they say.
DanceYourHeartOut8 2 months ago in playlist More videos from WhenTheKidsGoToSleep 17
This was SUCH a good idea for a show/podcast, we really get to hear what you wouldn't be able to sit and discuss in a normal video for any of your channels so this is great Thanks so much <3
melkateb1 2 months ago
Wheen the kiiiids areee countinggg sheeeep, When the kids go to sleep, Dreammss and meemmoriess, When the kids go to sleep! LOVE IT!
melkateb1 2 months ago
Just Torrent Rosetta Stone
TheBapps 2 months ago
lol im 14 and i can speak french english german spanish and my motherlanguage and spanish is not that hard its pretty easy XD
iiris700 2 months ago
@iiris700 good jobb you can speak 5 languages, you have way too much time on your handssss my friend.... but thanks for bragging! we know who to find if we ever need a translator for those languagesss
glimmerrush96 2 months ago
Be smart about your credit card. You don't have to use it if you have one. Only put on it what you can pay off at the end of the month. Payment history is the biggest part of your credit score. So if you put $20 on your card every month and pay it off at the end of that month you will increase your score greatly.
papaellison 2 months ago
This should be *required viewing* (in a non-Socialist way, lol) for engaged couples, heck, ALL adults!
MargieMama 2 months ago
You should learn German! Then we could talk with each other. So fun :)
Clemi1203 2 months ago
i still think you are wearing the same clothes, but now i think you are doing it on purpose :p
sacorarwoods 2 months ago
Each month I donate 10 euros to katimoe association, a private initiative that attracts the plight of stray cats. I am the godmother of Beauke, Beauke has epilepsy and needs regular medication. I know what it's like to be sick and not much money for medication and doctor visits.
<3 from Belgium.
ladyfreya67 2 months ago
WAS LISTENING TO YOU PODCAST AT SCHOOL :)
ShayToTheTards 2 months ago
Once again i'd like to refer anyone who is wondering what the mormon church uses God's tithing money for to check out the church's website mormon.org
No paid clergymen. Not a single one.
Nathaners 2 months ago
I've been watching you guys for a long, long time. I don't know what the difference is about this video compared to all the others when you talk about debt, but I've decided to completely cut myself off of my credit card after watching this one! Every other time, I always think it's a great idea, but never actually follow through, but this time I am. My twins and I want to thank you for everything you guys do! I love when you have videos like this one. Thank you so much! 3
DSheeen 2 months ago
And with the 10% to God thing, anyone who thought that was literal is an idiot. The money goes to the church/ and or the church's goals. Church communities of any denomination cannot magically survive without money. Churchs' collect money for charitable causes, general repairs and upkeep, as well other things such as salaries for clergymen. Churches have to survive economically like any other organization, or they wil be able to do nothing for its members.
Dudemandudeman19 2 months ago
No more financial advice please. It's so boring, and it's not why I watch you two. I'm 17 without a job or bills, but it must take a real "tard" to not understand this plan. Don't spend more than you have. Work hard, Save, save,save, and then be conservative with your income. You don't need a degree in youtubeology to figure out this crap.
Dudemandudeman19 2 months ago
i love saying WTKGTS
BoSox7777777 2 months ago
My husband and I don't have credit and we are currently screwed by getting a house. We're against credit cards, but we been trying to get one. Sadly, we been getting rejected.
missrecklessdoll 2 months ago
i love listening to theses podcasts, listen to it like the radio when i'm doing general stuff :)
deebeemee100 2 months ago in playlist More videos from WhenTheKidsGoToSleep
ahhh i LOVE katilette's top! so cute. does anyone know where it's from?
karmaapolice 2 months ago
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ah question shaycarl is mommytard a real freak in the sheets if you know what i mean
peruanitogrande 2 months ago
I wish the podcasts on itunes were on the same episode :/.
tCCRedrum 2 months ago
i love u colette and shay ibe neeb watching u guys since september 2 years ago like when u guys lived in calfornia the first time i was wondering if u guys can talk about princesstard getting lost? alright love u shaytards!<3
cutestuff1046 2 months ago
This is good advice because I am sixteen and my dad already has given me a credit card to start building my credit score
FijianButterfly 2 months ago
If you hate the banking system and dislike how interest can work against you, then you should not support the way that interest works for you, either.
That money that you make needs to come from somewhere, and part of that is from the people that the interest is working against. If you really want the banking system to change, then do not encourage it by self-centered greediness.
Look at the bigger picture and act how you want the general population to work together towards.
Stmated 2 months ago
Shay i hope you read this...since about 2 months ago now you have motivated me to start getting fit and losing weight...i want to thank you for all your advice and i hope you know how many people you have helped to make a difference in their lives. I so far have lost 2 stone and am around 13 stone now..your advice continues to motivate me so keep it up! lifelong shaytards fan
LeedsLad1919 2 months ago
Hahaha I actually noticed Shay's "different" outfit before he mentioned it!
cheets69 2 months ago
I've watched all the vlogs too! All 1,034
KatieBRaps4Mattysing 2 months ago
please teach it on here im just starting off and could really use all the help i can get
buccaneerman 2 months ago
Thank you Shay & Colette! I definitely learned a lot from this episode. I'm the person that has NO idea about anything finance, credit, credit scores, etc. But as a soon to be college grad, I need to kick start my knowledge in all these topics! And this was the perfect video to start with!!! I'm favorite-ing this video right now, and I would definitely watch a video of you guys teaching a class!
AmericanDesi 2 months ago
I would be interested in listening to the class. Count me in.
mrsprincesslily 2 months ago 2
I LISTEN TO YOUR PODCAST JOGGING ON THE BEACH IN MUMBAI ,INDIA ........................YOU BOTH ARE AMAZING
theyash63 2 months ago 55
@theyash63 watch?v=aowB5wNPvWQ
CookieMonsturrrrrrrr 2 months ago
@theyash63 hey! i was just there for vacation! it's a really pretty place
pencil977 2 months ago
@pencil977 THANKS : )
theyash63 2 months ago
10% to God????? God doesn't want your money.... OMG? WHat did you guys just say?!?!
svveetkitten 2 months ago
@svveetkitten I believe they meant donation . God would want us to give a little to those less fortunate .
Lo0NaTiCS 2 months ago
@svveetkitten they just mean that they donate money to their church. all churches take donations.
mnmer565 2 months ago
My boyfriend and I have a credit card, but we don't use it unless we HAVE the money. And I'm planning on getting a car in the spring, and I am going to get a loan for it, but I'm going to have the money sitting in the bank, just to build up my credit score. Mostly, its for my future. When I do need to buy a house. I think that you just have to find what works for you, and go with it. Just don't spend money that you don't have. That is the most important thing, I think.
sillyme0308 2 months ago
new drinking game every time they say Dave Ramsey you take a shot...
BANAUKKANAUKKA 2 months ago
If you want to build a good credit score, get a credit card and pay the balance off immediately after purchasing something. Don't buy anything that you can't afford. Use it like a debit card, just with the added step of paying the bill.
jdandcm 2 months ago
shay, can you clone your DNA & i'll get some from charles and combine to make a husband for me?
yunh09 2 months ago 2
@yunh09 clone one for me too with kassem too
ItzMizzGawjuss 2 months ago
You guys motivate me !
ohhayyitsmelyssa 2 months ago 32
I'm a 20 years old full-time student (on a full-ride scholarship) & part-time employee (earning minimum wage) with a small limit credit card for the purpose of building up my credit. I don't even have much money on my credit card & it scares the crap out of me. I would TOTALY watch a class from you guys about debt, credit, & just life to learn the best way to start my own life. <3 Love you guys. You are always enriching my life weather its with laughter or knowledge.
skoenig526 2 months ago 3
I like wtkgts more with every new video. As a business owner & a 20 year old trying to work to get money for school I feel dumb sometimes for not getting a credit card or trying to get a good credit score or take out student loans that'll cost me a lot of money. Growing up in a family of 6 I know what it's like to always live on a small budget & shop at thrift stores and know I don't need much. So it's nice to know other people have the same views on credit that I do. Love ya shaytards :)
Ramwhad 2 months ago
After yours guys last podcast, I kind of don't want to ask for anything for Christmas because I don't want to put my parents into debt. I don't really know their financial situation, but I have three other younger siblings that want a lot, so I feel that it won't cost my parent as much if I don't ask for anything. Plus, it's about time for me to get a job so I can help with paying bills! :)
stephosityy 2 months ago
Hey guys, I love the videos and I just wanted to ask you a question because you two seem good with your marriage and it's a problem I have with my relationships. I want to know if one or both of you are jealous of other people (of the opposite sex obviously) talking to one another, and what you think of jealousy in relationships. I personally am an extremely jealous man and I would like to have experienced people's take on it. Thanks :)
TheTechConnection 2 months ago
how many times would you view/rate your videos when you first started making you tube money?
jacobmoseley 2 months ago
OH MY GOD. Shay has lost sooo much weight. I haven't watched one of there videos in about a year or more! WOW.
KIANA4EVER123 2 months ago
please do an online class, im only 15 and dont know anything about how banks/money works and would love to know so i can have a bright future without debt!
ashleymahoneytv 2 months ago
So tired of people assuming others are idiots on here. Some of us have more education than you do with your retarded @ replies, so think before you say something to us.
NamonMe 2 months ago
You two were absolutely meant to be together. You were put on this earth to be an influence to anyone who is listening. Though I differ from you religiously, I am strong christian, I respect the commitment you have to your religion, to yourselves, and to helping anyone and everyone. I without a doubt love the influence you have on my life. With this moving podcast you have lit a fire under me to find a job, do better in college, and change my ways. I love you two with all of my heart.
poj0426 2 months ago 2
Youtubers are not celebrities!! Good advice tho:)
MrBaileysmommy24 2 months ago
Why do I live w/ my BF and not get married? Because if we got married, he would be legally responsible for my debts. I am currently in University and am pushing 60,000 in debt. If I suddenly died, he would be responsible for it. Why would I do that? He can help me without getting married (which he is). There is no point in making him responsible for debt that is not his. We will wait until I am out of debt, and then we'll get married. This does not imply that I am any less committed to him.
o0Theresa0o 2 months ago
@o0Theresa0o From a financial perspective, it doesn't make sense to rush marriage. Like I said, it just makes the person you marry responsible for your debt. You can both work on paying it off, married or not, but don't take the chance of leaving them with all that debt. What if I got hit by a car tomorrow? If were married, I've just left him a HUGE amount of debt. Bad idea. Pay off as much debt as you can, and then get married. A marriage cert. doesn't change your relationship.
o0Theresa0o 2 months ago
this made sense. thank you soooo much! I'm 21 and still living with my parents(mostly because it's cheaper and im scared to live by myself lol) and completely scared and mindblown about living on my own at some point in my life because of money issues and now I'm starting to understand it more because of this video. Thank you!!!
spashley971 2 months ago
I'm going to take your advice instead of trying to get a car I'll save up....shay what's your take on debit cards
Laidbache23 2 months ago
why aren't the last to podcasts up on iTunes yet?? I NEED THEM ON MY IPHONE hahahh:)
lisasvrds 2 months ago
my goal is to be debt free within 5 years so my husband and I have been starting to "snowball" our debt since listening to your earlier podcasts...I was wondering if we should continue doing that..or go to one of those debt consolidating people..so we only have ONE payment as opposed to 4 different payments???
carladaisybee1983 2 months ago
I'm not sure how, but we never have had a credit card and we just bought a house and found out we had a fantastic credit score. No idea how or what that was based on, but it's possible to do it by being totally debt free.
Bandgazebo 2 months ago