today we are talking about the extremely frugal things I did to save money and pay off debt. Frugal hacks or frugal living tips, if you will. Before I start, I need to qualify the term frugal because being frugal is relative. If you are consciously trying to cut back on your spending, by my definition, you are being frugal. There is a whole rainbow of frugality and in this video, there is a little something for everyone, from the not so frugal, all the way to the super, over the top frugal.

The credit card I have: https://www.referyourchasecard.com/6/...

Microfiber cloths: sorry it looks like they make every color but grey now....but this is the brand. They are super thick and 16 x 16. https://amzn.to/38BYpuf

Sponge replacements: https://amzn.to/3rIX10B

Yogurt starter: https://amzn.to/2Nn4jIy

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#DebtFreeCommunity #MoneyTuber #DFC #PayOffDebt #debtfreecommunity #debtfreelifestyle #debtfreelife #budget #budgeting #6figuresandbroke #debtfreedifferently
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Where else you can Find Me: 
* My website: www.wendyvalencia.com
* Instagram: @theRealWendyValencia
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We are a family of three (Wendy, Mauricio and Melina - Age 9), living in the suburbs of Washington DC (Vienna, VA) and getting our financial life in order!  We earn a solid multi-6 figure income but in the past, we have struggled to pay for unexpected expenses and emergencies. We truly lived paycheck to paycheck even though we had a positive overall net worth because of our retirement savings.

In 2016 everything changed. We decided to get out financial act together and since that time we have gotten 1 full month ahead in our income (which means what we earn this month goes to pay next month's bills), paid off well over $200,000 worth of debt, started planning ahead and saving for big financial expenses (like summer camp, a new car, a down payment on a house to name just a few) and we are even paying CASH for my Mauricio's graduate school (he's changing careers and becoming an architect!).

We believe that there is no one size fits all plan for being successful with money so we are creating our own path. It is our theory that every family should evaluate their own financial struggles and determine the root cause of those issues. For us, those issues stemmed from committing to giving without looking at the impact on our own financial situation. We did not have debt because we bought fancy cars or clothes, we had debt because we chose to give away hundreds of thousands of dollars before we actually earned it. Now when we give, we give with cash that we have saved for the sole purpose of giving.

We understand the shame and guilt of having such a large income and not having enough cash to pay for an emergency...like when the transmission on the car goes out or there are large medical expenses. We have developed a plan that works for us and we are so proud of how far we have come since 2016!

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FAQs
* Why We Have A Storage Unit:    • Why We Keep A Storage Unit  
* What's Wrong With My Voice:    • What is wrong with my voice?! Living ...  
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* How I Curl My Hair:    • How To Curl Hair || Curly Hair Tutori...  
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Things I LOVE and very highly recommend: 
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We have snail mail:

Wendy Valencia
PO Box 361
Dunn Loring, VA 22027

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