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  • just by happenstance seen this vid, ok so your attractive, bonus for you, looking to the preepers not gonna be to helpful, your trying to balance your budget, good for you, religeon is a social obedience derived paln, poor choice for anything other then a learning tool, all your budget concerns could be almost eliminated if you look into quantum physics or magnetic energy, your hubbies sun glasses?? OMG realy. seriously?

  • I do the same thing! Food, Gas rent, ea bill, savings, blow (pleasure), wow that sounds bad but you get it, food, house hold items cleaners, laundry soap, its amazing wonderful. We have already built up are EF been able to pay off some debt and used our EF fund to save us now building it up again~ DEBT FREE ONLY WAY TO BE

  • @Fosters723 also we dont have a landline or cable :) sold one of the husband truck TOO!

  • You spend $1476 a year on cell phones??? Really!?

  • @poxbox yeah - we don't have a land line or cable.. so we pay for internet at $50/month and our cell phone bills combined with unlimited texts (ancient phones) and some internet plus taxes and fees with verizon is $127/month...so, yes, unfortunately that's what it costs for a year....of course i'm not saying we buy cell phones for $1476...i'm talking about the service - duh

  • @yllekeener Definitely a saver to get rid of the land line. I know lots of people that did that and never looked back.

  • 45k... awesome....  that will be an apple in a few years.

  • The whole of humanity is enslaved. It was done by getting the masses to collude with evil. They practised oppression in the third world, and we stood by.

    We lived on credit, which is the way banks take our wealth. We look down on the poor, leaving then to be guinea pigs for the oppression soon come to everyone.

    If we had walked the path of righteousness this would have been impossible.

    No debt = no bank power

    No selfishness = no third world poverty

    Godliness is their nemesis, Yeshua saves.

  • what religion are u?

    

  • great video

  • No. Nothing is coming. Human beings are not capable of prediction the future.

  • @pretearking

    You are? lol. You have magic powers of seeing into the future? We are 3 dimensional beings. Therefore we live in a three dimensional world. In order to see into the future we would need to be at least 4 dimensional beings. By the way, if you say "BLANK is going to happen" and then BLANK happens, it doesn't mean you saw into the future, it means you guessed correctly. It could be a guess based on knowledge or a random coincidence but it's not super powers.

  • @tylermccail7777777 Jeez... I can't believe that you actually took my comment seriously. LOL Dumbass!

  • @pretearking

    Why wouldn't I take it seriously. You believe in insane conspiracy theories which are loosely based on an ancient book. It's not far from believing in super powers. In fact, if you honestly think that human beings are capable of seeing into the future (which you have to be in order to subscribe to this silliness) you DO believe in super powers. You believe that some guy living in the bronze age was able to predict events happening in modern times.

  • @tylermccail7777777 That was just a fucking JOKE!!! idiot...

  • Comment removed

  • @pretearking

    Wow. OK...sorry to offend...don't freak out...it's OK...calm yourself. So to be clear, you were JOKING from 2:28 to 3:33 or so when you were talking about "The Mark of the Beast." Because you looked quite sincere. If that was sarcasm than you are astonishingly subtle and I applaud you for it.

  • @tylermccail7777777 Whatever...

  • the name in all capitol letters is the mark 666 its name debt ....

  • your husband is one lucky guy.. even if you were broke he has hit the jackpot!

  • @thedivekid78 ha ha! Thanks for the compliment! i'm really the lucky one, though =)

  • @yllekeener-Great message. More than 11,000 people should see this video. Also YOU ARE BEAUTIFUL!!!

  • @apostlejay2006 There is only ONE people of Yahuweh, Yahudans. Christians like to think they replaced the Yahudans or "Jews" or that they are CO-tribes of Yahuweh, but with their Roman-invented Catholic latin Iesus/Jesus=he's a swine (in latin) Anti-Messiah, they are quite apart from the Yahudans and Yahushua. To be saved, you must keep Yahuweh's laws (10 commandments), and Yahushua's teachings, repent/sin no more, be immersed.

  • What difference will it make if you have debt or not if world goes to the end. I pay my credit cards cause i still live here and thats the money i borrowed so i have to give it back. If mark of the beast is chip ok than what will it make if you are debt free or not if you dont take it.

    Its harder with credit card bills but eventually you will pay off that will just depend on your income. Easy to swipe that plastic but hard to pay that plastic off.

    Smile and enjoy....

  • thank you!

  • PLEASE CAN YOU EMAIL ME A COPY IL INBOX IT TO YOU.

  • @Nichelle01Smila ms.smila@yahoo.co.uk

  • Be blessed in Jesus name, The Name above all name.

  • i will go into debt for you.

  • look into the a4v process

    may help you out

  • her face is gorgeous. i LOVE watching her talk as she plays with her hair lol =)

  • Wow----not bad thats what I think what ------they control money and energy/oil so they will offer a NEW WORLD with debt relief and free energy if you just take the CHIP ??? It may take aliens which are demons to help persuade the so called PROGRESSION --EVOLUTION too. You be ok if trust in JESUS

  • Nice work Kelly! I applaud your dedication and debt free attitude! Good luck and blessings!

  • is she Jew

  • Ran my credit cards pretty high, now I'm stuck...

  • damn kelly u r hot!

  • Just stock up on guns and ammo and supply and put 2 in their chest and 3 in the head when they come collecting when the time come.  Don't worry about it. Be responsible and don't get involved in CC debt (pay the monthly balance each month and not the total balance) and you are set.

  • Actually, when the world (or at least the country you live in) goes to shit, you won't have to worry about debt because everyone is in debt and no one can go around and collect. If there are some ex-felon-run muscle group going around collecting and bullying people into paying, what makes you think they won't just print some stupid paper and say you are still in-debt for your house, land, cars, etc. Since virtually everyone is in debt, no one will believe that you are debt free.

  • Why the heck should you pay your debt back? The USD will become worthless by 2020 - it's inevitable at this point. So get as much fixed interest rate debt as you can. My parents got a virtually free house like this(my dad paid the mortgage with a week's salary lol).

  • she lost me when she said she got married

  • You lost me at 10%. I think the same people who created debt. Created religion.

  • @MrSmith1002

    i think you're right - those who seek and created "religion" do like to control the people....i give 10% to God - that means I let him speak to my heart and tell me what to do with the money - ie. give to a person or family in need, help an organization, etc.

  • I'm from Mass too what part you from?

  • Ya, get out of the Corporate Debt Cycle, and Quit making those Corrupt Corporate CEO's money !

  • this marriage will last. They will own the biggest house on the street 10 years from now.

  • Your wasting your time and money "paying" them back, for an education that keeps you asleep and locked in the system. I plead with you in love... wake up. We are beings of light. The time is now. Access the pineal gland and that is where true worship begins. Read Gen 32.

  • The microchip and the National police force is authorized and paid for by the Health Care bill. HR 3200 and now; the HR 3590.

  • Credit Unions are also better than banks such as (Bank-One, Wells Fargo, WaMu, etc). Credit Unions are the best every. Credit officials claim that credit unions are less of a hassle because you do not owe them money. You owe the baks because they try to squeeze your annual income. Credit Unions are the best.

  • Great to see some people taking control of their own lives. People could learn A LOT from this.

    Personally I'm finishing my education after Christmas and the very first goal is to pay back the student loans as fast as possible.

  • HEY, where does scripture tell you to give ten percent?? In the Old Testament? I thought christians teach the Old testament including the commandments and sabbath is outdated!

  • jesus dd not come to abolish the law or the commandments

    paul on the other hand makes it seem like jesus did

  • You need to pay tithe after paying off that debt. Tithe is 10% of your discretionary income after your bills and taxes are paid. Those who have debt need not pay tithing.

  • I paid down 720/biweekly out of my pay of 800/month after taxes also. I couch surfed in my friends basement and ate at the sikh temple and went to the food bank.

    I one year, I paid down 18720.

  • You guys are awesome! Wish I had your mindset at your age. I'd easily be a debt free millionaire right now. You guys are on your way and I look forward in seeing more updates. I am 34 and debt free except the mortgage but plan on having that paid off in the next 36 months. Check out my channel -- i just started putting together videos on how I got out of debt. I'd love an email of your spreadsheet if possible.

  • heh-heh,

    Asking for email???

    are you sure you just don't want to try and hook up with this MARRIED HOT BABE??

  • Oh no! Just passing on that I too make debt free living videos! :)

  • Both cute and smart. That's a rare thing.

  • This is excellent!! I also use Excel to track my budget. You go much further with it, though. I LOVE IT!!! :)

    5 stars!!

  • i think i dont want to have to kill ppl ate all but there is no fucking way in hell i will let them mark me i am not a number so if i am faced with the chip i will have to kill the ppl trying to chip us i will not be anyones surf for what ever resons thay come up with and that is there plan to chip all of us so if you or yours dont want to kill to save your self from slavery well then your life is allready forfit

  • First time I thought a lisp was actually sexy...

  • I was in special ed...

  • It's funny that you americans pretend to be rich while in fact you live paycheque to paycheque. A nation of debters, renters and dumb asses actually believing that USA is the greatest country on earth. Sure!

  • For everyone that believes economic collapse is near...I do have a recommendation that may help...while your budget may not allow for purchases of actual gold $1000+ oz (and NEVER buy certificates...get the real metal in-hand)...look to silver and silver coins...costs are still affordable, $13-14 per ounce...and just like gold, it has ALWAYS been tradeable throughout history...just don't go down this path with only paper in your hands...or chips inside...

  • When Obama Bankrupts America and trashs the Dollar, debt free or swimming in debt everyone is screwed. Look at Zimbabwe to see America's future! Should you prepare? ABSOLUTELY! But realize it is going to be bad for decades.

  • I've NEVER bought into the over consumption living beyond your means and be consumer slave mentality. I've been laughed at for CHOOSING to live life this way and it seems now I get the last laugh now that I see people with the flashy cars are killing their families, filing bankruptcy and selling their boats at fire sale prices. Invest in a gun to protect your family, invest in land and get the hell off the grid. Oh and dump ur u.s dollar its an illusion, buy some silver n food items* peace

  • if ur from the USA you have been living beyond your means for decades, 11 trillion debts cannot be filled out just by taxpayers money alone, America and it's people are buying their extravagant livestyle off of other countries blood money, there's no way up for you guys but down sorry to say, not even ur media brainwashing tools will convince people otherwise, see why america are so concern with other countries nuclear weapons, their option for going to war to save their economy is over.

  • i wonder how much you or your children or grandchildren are able to handle hard labor, when you get enslaved out of necessity, i doubt many people in ur country will survive that, you guys dont have that toughness, when you bitch about human rights all the time as if you have the moral highground over anybody else, civil war is imminent.

  • I swear people who upload videos liek this are doing god's work. Do u think CNN or fox news is telling people to be conservative with their spending? How about giving donations to those less fortunate? NOPE its BUY BUY BUY 24/7. Consume beyond your means, your govt is spending its way out of debt LMAO what a joke. This woman has beauty and brains, and thats a god given blessing...play time is over america, its time to get right with God.

  • Now if 95% of the American population had of started doing this kind of thing (Living within your means) decades ago, this economic bullshit wouldn't be happening...Living a champagne lifestyle on a beer budget is what fucked your economy (and the worlds) up.

  • I agree, We are working towards this also.

    We need to also prepare for the other survival too. I would like a copy I'll email my email you. Thnk you

  • Whatever your personal or spiritual reasons, getting out of debt and staying out is one of the smartest things you can do. I've got a bit of debt left but steadily working it off, just like you guys did. Thanks for the video and keep up the pressure for the debt-free lifestyle -- more people need to know this!

  • Great video. Not boring at all, you're a good speaker, too!

  • she should dance.. she would b out of debt in the next week!

  • 19k for teaching kelly??? I live in a big city. We start out at 40k here. I'm just surpirsed its that big of a difference if this is the case though, you are doing quite well.

  • Awesome job with paying down your debts! It motivates me to try harder.  And it's not boring at all. And anyone who is bored needs to pay more attention to their finances, for their own good!

  • She's hot, but sounds a bit like Cindy Brady....

  • The RFID isn't the mark of the beast. The mark of the beast is the sign of a man. Do some more study. But I agree with you on not getting it. It's not in the constitution. But its in no means Biblical. It's only a part. The smoke is clearing from the mirrors and all will soon be revealed.

  • Excellent video and the application of commonsense and pragmatism.  Keep up the good work and may the Lord Bless You and your husband!

    All things are possible through Jesus Christ, King of Kings and Lord of Lords!

  • you dont have to pay your debts, they were created illegally and your student debt contract is non binding.

    Fractional Reserve Banking describes the process by which banks create the credit requested at the point of the loan, because they created it via accounting they have provided you nothing of value.

    A binding contract requires "consideration" where both party's put something up of value. so have them provide accounting of their loss's or else there is no alleged debt.

  • J.P. Morgan cornered the gold market and owned this nation for years.He used federal troops to machine gun a mining camp (women and children included) because they were on strike.The gold standard is no good.

  • The dollar will collapse soon.. When it does, all your debt is erased.

    Jack up your credit cards on gold and silver. Stop paying your taxes. Get the hell out of the dollar! People will be burning 100 dollar bills on the street to keep warm.

  • Maybe "the beast" is the act of judging others', not debt itself or its' supposed embodiment in a micro chip, credit card, etc. Would we judge a person in debt from medical bills? Debt-free is an awesome goal, but if we get an illness, car gets totalled, or other setback, we may be back in debt, so we really have to open our hearts to our struggling neighbors. Do I plan on ever owning a house? Car? Yeah. Then I'll owe some money. If I was god, I wouldn't doom anyone for debt. I'd forgive em :)

  • Hey, thanks for the vid! OK, I'm 24, debt free, I live with a friend of mine, and I have physical Gold & Silver. Now my question to you is this: Why not go in debt on purpose and use that "cheap" money to buy real assets like Gold, Silver, and then buy food for it for the next few years. Wouldn't this be a good idea? I mean, if the $ collapses, then basically all debts are worthless, aren't they? And if they aren't, an oz of silver may cover them as it'll shoot up by that time. Your thoughts??

  • You are so hot!

  • Thanks for making this. Great video. You have such a kind heart and you're so sweet. Nice to see someone who cares about others as our Lord Jesus desires. God bless you! Geena, NZ.

  • Such a great video!

  • Correction. Inflation makes debt "LESS" formidable, ie 10k debt today is more manageable today than the 1970s.

  • If your an American, it makes no sense to be paying off debt. The money should be going into

    precious metals. High Inflation would ensure the debt would pay itself off. Inflation makes debt formidable.

  • Getting your affairs in order by way of reduction or elimination is a great idea but don't be fooled, whether you are in debt or debt free, you will be subject to any implemented program regardless of how much money you have or how good your credit is! Thats the point of any program that may come into existence, CONTROL PEOPLE. Good credit, bad credit, debt, no debt, it wont matter to them! So yes do your best to pay off what you can but dont make it your ultimate goal, live life first!

  • To tell you the truth, I have no desire in

    "surviving", if it gets that bad.

    You could probably "survive" if you have half a million dollars or more and can start planning now. But when it gets ugly, . . I don't know why "surviving" is going to be worth it.

  • Trust the Lord that your life belongs to Him and there is no evil that will overtake you or harm except that which the Lord has ordained for you. Everyday belongs to the Lord and we shall rejoice and be glad in it. Don't trust in your ability or talents or intelligence but like a child in prayer, Trust God and get a good sleep and quit worrying about tomorrow.

    If we shall live or die, its all good for those in Christ Jesus

  • lol, its really hard to listen to what your saying, cause your soo hot.

  • she married dick

  • I'd die first.

  • Congradulations.  I'll look into Dave Ramsey.

  • xschneider87, I cannot reason with you, you must be an SDA or "Jehovah's witness." Go argue with God.

  • LOL No, I'm not a jehovahs witness.

    Wow... "Go argue with God"? Don't you think that might be a little bit pointless?

    Maybe your problem is you can't reason period.

  • I've been trying to "reply" but everything gets posted as a normal comment.

    Frustrating.

  • I know! that drives me crazy too

    I think it all straightens out if you click on "view all comments"

  • xschneider, It's ALL people not only Christians. You have a skewed perception of plain and simple text.

  • "It's ALL people not only Christians"? What are you talking about?

    If my perception is skewed, please explain.

    I would love an explaination on how you think the mark isn't symbolic of anything when the mark itself 666 is symbolic.

    And this would be a lot easier if you would reply rather than posting a whole new comment.

  • It's all people who will receive the mark or they won't be able to buy or sell. That's explicitly stated in Revelation and is not a symbol of thoughts (forehead) or actions (hand).

    666 is the number of the name of the antichrist. This number can be derived from the writing on the Pope's mitre, vicarius filii dei, which if you add up the roman numerals comes to 666.

    How can you back up from the Bible that the mark is only symbolic?

  • You stated before that it wasn't symbolic.

    True Christians will be the only ones not to receive the mark because they know better and choose not to participate in the system set up for antichrist.

    It's a no brainer. The vast majority of people would have nothing to do with a computer chip being implanted in their hand or forehead, no matter what it did for them.

    If you think avoiding the mark is as simple as avoiding a chip implant, then you are very mislead.

  • Actually, if you look up the root of the word "mark" in the original Greek, it refers to "a stamp, an imprinted mark" which implies it's not symbolic but tangible. It would be difficult for someone to look at a person and go "ah your thoughts and actions are of the antichrist" and allow you to buy or sell. So unless you believe prophecy is not in this case literal, the mark being representative of our thoughts and actions isn't logical.

    Though I've heard this b4 from a 7th Day Adv. pastor.

  • Don't get the chip I sure as hell wont either. Many athiest and the worst of the worst will refuse this implant also. Does that somehow bring them closer to God?

    Like I said to the other guy, If you think avoiding the mark is as simple as avoiding a shot, you're going to be shocked.

    The vast majority of people will refuse this, not just God's elect. It's too easy.

  • xshneider87 - there's no way we will ever get the chip. We will walk away from everything we own, and yes, we will be prepared when we do.

    It's not about refusing the implant bringing me closer to God. I am already close to God. But the Bible predicted this long before the conspiracy theory bandwagon got going. And whatever the mark appears as, be it the chip or something else that hasn't come out yet (biological?), I wouldn't get it.

    I'd never let someone put something foreign into me.

  • your wise to get debt free, Id also get a gun and food it doesnt actually cost that much to store food and you dont need anything that fancy in the gun department.

    you can live on rice and beans oats and very basic stables .

    I think lindsey williams is wrong hes gives no proof isnt a engineer, my father was a engineer in saudi and he and every other engineer he knew believed in peak oil .

    best wishes

  • Great Video. Thanks. These are good ideas. What does your hubby think about spending money on preps?

  • xschneider, read your Bible (Rev.13:16-18), you are caused to receive the mark via antiChrist. You can't buy or sell, and it is not symbolic. Mark means incision. Read your dictionary. -STUPID-

    Jim

  • I think it is very stupid of yourself to assume that I haven't read the bible. I study it everyday.

    After reading your statement I can say to you, take your own advise.

    It isn't symbolic? What does the bible refer the mark of the beast as? 666 I believe. That isn't symbolism?

    Christians will not be able to buy or sell because they will be demonized and hated by the vast majority in the last days, not because they don't have a man made computer chip under their skin.

  • The mark of the beast is your thoughts and actions. Not a computer chip injected in to your skin. Your right hand represents your actions, and your forhead represents your thoughts.

    So many things would have to happen before they would even get a small % of the sheep to inject the rfid chips in to their skin. That would be after WW3, after the drastic population reduction, after hell on earth.

    I think Jesus will be back before they have us in prison cities.

    forehead=thoughts hand=action

  • Dream on xschneider. Hear is a guy who has reasoned away to allow himself to be chipped. This is the bullshit being spewed from the pulpit. I'm going to laugh at your asses when your a chipped slave waiting on Jesus in a 3 mile long soylent green line.

  • Well, it is people like you who would laugh at the idea of people being enslaved that will have that fate.

    I have seen this coming for a few years now, and trust me, I have more than rice stocked up to give me a fighting chance.

    I've never owned a credit card. WTF makes you think I would accept a chip?

    My take on this isn't being "spewed" from the pulpit. Mainstrean Christians are almost as mislead as Hell bound athiest like yourself.

    You will not be laughing the day you are judged.

  • Because I don't think Jesus is coming back before the shit hits the fan, I'm an atheist? Do you have a national ID? You can't work or cash a check without one. The Feds will just transfer info from your drivers lic. to your right hand, in the form of a chip. And if you cut off your hand they will stick it in your forehead.

  • lol whatever you say, buddy.

  • I think they finally didn't cut you off. It's a miracle!!!

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