Waching daily Nov 5 2018

Kellyanne Conway Just Gave Hillary A New Nickname

we have the best economy that the United States has ever had in the last month

alone we added another 250,000 jobs Democrats are openly encouraging

millions of illegal aliens to break our laws a vote for Republicans is a vote to

protect your families to keep America's economic boom going full speed ahead the

people of Florida are going to head to the polls to elect an incredible new

senators your governor rick scott and ron is running against really a radical

socialist named Andrew Gilliam Guilhem will tax and regulate your jobs

into oblivion wants to abolish ice can you believe that Tuesday I need the

people of Florida to send a message to cryin Chuck sure Nancy Pelosi Maxine

Waters and the radical Democrats by voting for Rhonda census and Rick Scott

if this election is based on crowds they might as well cancel it because we won

now let's bring in Kellyanne Conway cult counselor to president Trump she's live

in our DC bureau this morning Kellyanne thanks for joining us god you know the

President as you know is going across the country returning to States and in

each place big crowds and it seems lots of enthusiasm does that tell you

anything about the electorate here two days before the polls open indeed let's

recall 2016 same situation same dynamic everywhere then mr. Trump candidate

Trump would go thousands of people would follow and they'd wait sometimes in the

rain for hours and the media would always ask the same question yes

Kellyanne we see the crowds but will they vote no they just stood in the rain

for three hours to get inside the rally and to be left outside looking at the

Jumbotrons but know they're not going to show up and vote many of them have

already voted and for all the talk about the enthusiasm on the Democratic side

that's typical for the party out of power very typical what's a typical is

to have a president who is able to command these crowds and be so active

out on the trail and to make the case to make the case and they asked for those

individual candidates contrast the message that President Trump is making

when he goes to Montana when he goes to Florida I'll be with him tomorrow for

his last day as I was in 2016 I will probably go right into Election Day past

midnight but he is making me ask for these individual candidates President

Barack Obama is out there talking about himself so in that way it sounds like

2016 all over again President Obama the only Democrat we can we can find that

likes the Trump economy because he's trying to take credit for it out there

saying iiiiii candidates like McCaskill and candidates like tester and Montana

certainly heidi heitkamp in North Dakota Joe

Donnelly a little bit in Indiana they don't want these out-of-touch liberals

standing with and they're not they're not inviting Bernie Sanders they're

Alexandria our Castillo Cortes they're not inviting most of them aren't even

inviting past presidents or the two-time loser that woman who lost in 2016 and

2008 we're not inviting them to be with them because they see how to touch their

party is lady and gentlemen I want all of your viewers to go and read a great

op-ed by a former governor of Pennsylvania former head of the

Democratic Party ed Rendell he warns the Democratic Party two days before

Election Day you're moving too far to the left

this stampede to abolish ice this voting against the tax cuts and the

single-payer system he's he's warning the Democratic Party that he served in

at the highest echelon to not go so far to the left

I think the leftward lurch along with the Trump economy is going to be the

winning formula for Tuesday Kellyanne we're talking all about voters voter

enthusiasm we've heard a lot about how women think in this election cycle much

like 2016 the media is saying that women are going to be voting for Democrats but

if you look at the New York Times they're not just talking about women

they're going after women who vote for Donald Trump I want to read a quote from

a recent article there it says some of mr. Trump's female backers initially

supported him only reluctantly or do so now in spite of reservations about his

body language and erratic behavior many believe the president when he reminds

them during each of his hour-long pep rallies that the world they largely know

Christian conservative White is at stake on Tuesday so if you're a women

supporting Trump you're a racist that's a completely ridiculous as you know look

women are they put a lot into their voter consideration they are not single

issue voters we're not single issue thinkers we can do the math we see the

economy in fact the economy for women is the best it's been in decades literally

do you know there's only been 11 times 11 months since 1970 that we have had

growth over 4% and half of them happen under Donald Trump women see that growth

is above 4% unemployment is below 4% best unemployment figures among women

in sixty five-plus years the deregulation has helped so many small

business owning women and aspiring small business owning women to go ahead and

form those businesses to expand them to hire not to contract but to expand and

women know even beyond the economy what this president has done in terms of law

and order and respecting our military and our veterans border security's

national security i've noticed also that the democrats aren't talking much about

abortion this time and that's because they tried that for so long they tried

it with the the queen of abortion in 2016 and it backfired for them because

so many women said excuse me you got to talk to me on all the issues so i think

women in the suburbs for all the talk about them not liking tone they know the

difference between what offends them and what affects them and what affects them

is this booming economy law and order and respecting our military and veterans

for the first time in Julianne you mentioned Democrats don't want to talk

about abortion they don't seem to want to talk about the economy the AP as this

headline out today saying that they don't want to talk about a very positive

economy the jobs numbers you mentioned we just wanted to quickly dive deeper on

what you just mentioned jobs report on Friday 250,000 jobs added unemployment

at a forty nine year low wage growth fastest since oh nine thirty two

thousand manufacturing jobs added in October obviously you mentioned Barack

Obama he said those manufacturing jobs would not come back they have come back

but I wonder why in mid-october late in this campaign did the president then of

all this is working so well say that he was going to get a second tax cut by the

election well here we are with the election and he didn't get that second

tax cut what he wanted the Congress isn't in session they're not back when

he Burstein he promised that was coming well what the what the president is

saying is that they're working on it they're looking at another tax cut for

the middle class and why because all the naysayers and critics said it would

never work you have over eight million Americans who have received bonuses or

raises or both because of the tax cut we're repatriating trillions of dollars

of wealth that was parked legally overseas and look at even a company like

Apple they committed to twenty thousand new jobs in the US and repatriating

billions of dollars that just couldn't have happened under an Obama economy

where we were told the new normal was two percent or less and growth there's

nothing normal about that in fact it was abnormal he note that I go all across

this country well but the people have really run up

to me are a lot of the seniors saying thank you for not touching Medicare and

thank you also for protecting our retirement savings and the blue-collar

workers we lost two hundred thousand manufacturing jobs under President

Obama's administration president Trump's administration and net four hundred and

forty thousand manufacturing jobs a net 100 thousand plus and mining 350

thousand construction jobs all these industries that we were told were flat

on their backs outsourced their jobs overseas

we're opening those factories again and that batters two people so the president

is very serious about continuing to lower the tax burden on many Americans

who pay their fair share God get up and work every day but he's also committed

to job mobility people before we're looking for a job under President Obama

now they're looking for a different job because they've got job security and job

mobility it's just an economic boom folks we can't go backwards I think

that's the message on the issues you can't go backwards and the metrics that

lie just one more thing one statistic nobody's talking about only eight times

in modern history has the party in power gained a Senate seat so picking up a few

seats for the Republican Party on on Tuesday would be historic and the fact

that we're nobody's even talking about losing seats is pretty remarkable

Kelly oh we just got one more minute we've seen a lot of firsts in this

administration I don't know that I've ever seen policy it announced on a movie

poster that's what the President did announcing new sanctions on Iran coming

tomorrow what will those sanctions mean so the sanctions are very severe and

this goes along with what the president is doing by putting sanctions on anybody

he believes they're malfeasance and they're anti-american policies are

harming us and our allies of course when you talk about Iran you also can't miss

the other point which is everything this president has done to try to undo the

Iran nuclear deal I know John Kerry is offended big deal but what the president

is doing is he's saying that the US and our security and our greatest ally in

the Middle East Israel will not stand while Iran is developing nuclear power

and every time the president is told you can't do that you can't sanction this

one you can't pull out of the Paris Accords you can't lower taxes from

thirty five percent to twenty one percent on our employers you can't move

the embassy I recognize Jerusalem as the capital of

Israel as Israeli so you can't you can't you can't and he does it and all good

things happen and so these sanctions well as the vice president mentioned in

his speech this weekend Abbey with the likes of which Iran has

never said I won't get ahead of our national security team and the president

but he's also doing that at this time people say don't do it before the

election he does it because it's the right thing to do and he's got Iran on

notice well Kelly Conway as you noted you were there at the beginning of the

Trump revolution you'll be there with the president and the final countdown to

the mid-to standing over the greatest economic boom and people shouldn't

forget that thank you thanks Kelly Anna Julia thank you god bless you and God

bless america

For more infomation >> Kellyanne Conway Just Gave Hillary A New Nickname(VIDEO)!!! - Duration: 10:27.

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How to Stop Spending So Much Money - Duration: 26:16.

- This episode is all about spending money.

We're gonna talk about why we spend,

when we spend, and what to spend on, so stay tuned.

(upbeat music)

So this episode is all about spending money.

And if you're a spender like me,

you're gonna be very excited about this episode

because spending money is so fun.

So later in the episode,

we're gonna talk through some fun items

that will make your life easier with Woman's Day.

Then were gonna actually talk about the appropriate times

for you to spend out of your emergency fund,

so what is technically an emergency.

And last, we're gonna hear from an amazing couple

that spent a little bit more money than what they had,

so they ended up going into debt

but now they are in the middle of their debt-free journey,

and I cannot wait for you to hear how much

they have already paid off, you guys.

It's so fun.

So when you think through, okay,

I'm gonna be spending some money,

there are really a few filters as you think through,

like why do we spend?

Why do we spend money?

Well number one, we spend money because it's necessary.

We have to spend money on things like food,

shelter, utilities, transportation.

I call those your Four Walls.

So in your budgets—if you don't have a budget,

you need to download EveryDollar—

but in your budget, those are the first

four things that you do when you spend money,

because you wanna make sure these are covered.

These are your needs, these are your necessities.

Now we also spend money because we think

that it's gonna make us happy.

We see things we want and we're like you know what?

If I could have that, I'd be happy.

And like we've talked about many times on the show,

you can buy fun, but you can't buy happiness.

But sometimes in our culture, in our country,

we think, "Okay, if it's bigger, if it's better,

if it's nicer, everything will be better

and it'll make me happy.

It'll fill this little void that I have."

But when that's us, it's like we're a rat in a wheel

running, running, running and getting nowhere

because it is so true that money cannot buy happiness.

It can buy fun, though. Lots of fun things,

which is why the last reason

we spend money is the enjoy life,

'cause stuff is not bad.

Remember, it's okay to have some nice stuff,

just don't let your nice stuff have you.

But I can enjoy life, let me tell you.

Yes I can, and I can enjoy good dinners.

I can enjoy great clothes.

You can have fun with money and enjoy it,

but you wanna make sure you're doing it within a plan,

and that's what's key because if you're like me,

sometimes you can go off the rails

when you see a really good sale.

(piano music)

I don't know if you're like me,

but when I see that something is 40% off,

I basically feel like it's free.

I don't know how many times I've gone to Winston

and I'm like, "Babe, I saved $152."

He's like, "Well, how much did you spend?"

And I'm like, "Doesn't matter! I saved money."

And this happened to me last week.

And when I say last week, I mean last week. I saw Baby Gap.

Mm-hmm, Baby Gap and Gap Kids,

which then means their parent company, Banana Republic, too,

all had the same little sale going on

and I was like, "Oh wow, the girls have to have matching outfits."

Because one of my things is like okay, I had two girls.

And so right when Caroline was born,

when we was like three, six months I was like,

"Oh, I'm gonna buy all these cute outfits together."

But when a baby's like three months old they're like this.

They cannot even hold up their head yet,

and I'm like this looks so stupid

'cause Caroline is in something

that should be on a three year old,

but she's three months old and it's just not working.

So I went and I said I'm gonna halt

buying matching outfits until Caroline can walk.

Sweet little Caroline is walking around now.

So now I'm like, "Matching outfits, now I can do it."

And I went a little crazy.

Mm-hmm, I did.

So much so that I have a confession to make.

I overspent on my clothing budget, mm-hmm.

Came into EveryDollar, I saw it,

and I thought, what do I do?

And then I thought well, what do I do?

I start splitting up this transaction, people, right?

Some can go in miscellaneous,

some can go in Caroline's category,

some can go in my category because I technically

was the one that bought it.

I'm so sacrificial.

I gave the girls part of my budget for the month

so that they could have cute clothes.

But all that to say, I can go crazy,

but that's what important you guys

is sometimes you're gonna have

to finagle the budget every now and then,

but as long as you have a plan,

you can spend money and find some great deals.

You just have to be wise about it,

because I can fall into the black hole of 40% off sales,

'cause it's so good, but remember when you have a plan,

you have a budget, you can spend things with freedom

and say, "Hey, it's okay."

So here are some really fun things

that you can spend money on.

I'm so excited about the next segment

because these products are amazing,

and they're going to make your life better.

They're just great, so check it out.

(upbeat music)

Well, I'm so excited about this segment

because there are all these incredible household items

that are inexpensive that you need.

And Susan Spencer who is the Editor-in-Chief

of Woman's Day is here with us today to explain them all.

So thanks for being here.

- Well, thanks so much for having me, Rachel.

So I've got so many products to talk about,

but these are all winners

of the Woman's Day Great Value Awards.

So every year, we put together the ultimate list

of problem-solving products that don't break the bank.

- Brilliant.

Well I've gotten a sneak peek of a few of them,

so I can't wait to see them and demonstrate them.

Okay, so the first one is?

- The first one is the Ziploc Space Bag.

It costs $16.99.

You get a set of six in this.

And basically what this is good for is

for saving space in your closet.

Now, if your closet looks like mine

it's a giant explosion and I always

want it to be more organized.

So you use the vacuum attachment to kind of compress it.

- And just like your regular vacuum?

- Just your regular vacuum

and it just kinda compresses and sucks all the air out.

- You know, I've seen these and I've never

in person actually seen it.

(laughs)

Are you gonna open it?

- I'm gonna open this right now.

Stand back. - I know, I'm so nervous.

- And you're gonna see what happens when it . . .

- All the amazing . . .

- You can really see how much space it saves.

- Yes.

- I mean, this is a pretty big blanket.

- Oh wow. - Here we go.

- You guys, that is amazing.

So space-saving bags, we all need them now.

That's amazing.

- So next we have, this is Bar Keepers Friend.

It's a soft cleanser.

Now this is 136-year-old brand.

Its been around for a really long time

and this is actually amazing.

It shines everything.

- Yes. Well I have the powdered version and I'm obsessed with it.

So this is like . . .

- This is a soft cleanser.

It's a little bit easier to use on vertical surfaces.

This is great on stainless steel,

which if you've got a lot of little fingertips

on your stainless steel fridge, it's really good for it.

- Okay, so this, I'm gonna pump this out.

- I'm gonna hold this for you.

So this has actually been through

the dishwasher before and you can see

it's still got a lot of gunk and grime here.

- Okay, how much do I put on? - Just a little bit.

That's right, and just use the wipe

and it's just gonna disappear.

It's amazing how quickly it cleans them.

- Yes.

- So this is also great.

One of our reader testers used this

to shine up an old, antique brass lamp

and it made it almost as good as new,

so I feel like this is actually a really good secret weapon

if you're a thrifter or if you buy things

at garage sales and they're a little bit

grody and you want to . . .

- Shine it up. - Exactly. Make it a little bit nicer.

- Love it, love it, love it.

- So this is the next one.

These are Behr Swipes and these cost $5.98.

And this is a miracle product.

We got so excited about this at the office

and I've used these at home and they're amazing.

And basically what they do is remove scuffs

and dirt and things like that

from walls without removing the paint,

so you don't have to repaint an entire room.

I'm actually gonna demonstrate if that's okay with you.

- Yes, I'm gonna grab these.

- Are you ready for this? - Yes.

- Okay.

You know, if you have a child who does this,

you're not gonna be too happy,

but you can use this wipe to actually get rid of this.

This is really gonna disappear.

- Okay.

- This is also really great for shoe scuffs

if you have a shoe tree that goes up against a wall.

Look at this, it's completely gone.

It's an absolute miracle. - Amazing.

- And the paint is completely, completely fine.

- Completely taken care of, amazing. Amazing.

- It's an absolute miracle.

- So cheap, too. - And it's really cheap.

- That's what I love. - And you get a really big,

this is an incredible value.

You get a whole huge carton of these.

Really love those.

- The Cruzes need that ASAP, ASAP.

- So speaking of cleaning up dirty, grimy things,

there's nothing more disgusting than your phone.

- Yes. - Right.

- Especially after kids grab it.

- Exactly, you think about the germs and the bacteria.

So these are Well-Kept Wipes,

and this is a really handy little packet.

And this gets rid of dirt on all your technology,

fingerprints, everything that just is grimy and gross.

There you go. - Amazing, absolutely amazing.

- And those cost $6-10.

And it's really easy.

You can just throw it in your purse.

- I feel like the Cruzes need bunches of those wipes,

because everything feels so gross.

That's so good.

Okay, so next we have?

- Next, we have Extreme Post-It Notes.

Now, these are really waterproof,

super durable versions of Post-It Notes.

You feel that. - Oh, yes.

- It's kind of a really interesting kind of paper.

- It's like a mache or something.

- Yeah, it's really interesting.

So what we recommend that you use these for

is labeling leftovers in your fridge.

So if your refrigerator looks like mine,

it's got lots of containers in the back,

nobody's sure what's in them,

nobody touches them, then nobody eats them.

It's a huge waste of food.

So what I've started doing is putting Post-It Notes

on some of the containers so people can see,

and I put it on things like this.

And these go into the freezer really well, too.

And it's just an easy way to label.

- Yes, I remember after having babies

and people would bring you food

and you have all these leftovers,

and I would have just regular Post-It Notes,

but things would fall off

and I'd have like two or three at the bottom.

And I was like oh my gosh, what do they go to?

I can't remember. - Exactly.

- This is excellent.

- And it's just a really good way not to waste food.

- Yes, I love it.

- So finally we have the Duop Mop,

and this is $29.99 for a starter kit.

- I'm so excited about this one.

- This is actually a really great product.

- It's really good.

- So for $29.99, you get all three of these attachments.

Now what's really great about this

and what makes it such a Great Value Award Winner

is that it's super flexible so you can kinda get

into all sorts of nooks and crannies.

It also stands on its own.

There you go.

- Which is like the most amazing thing ever.

- So it's easy to use.

And as I said before, when something's easy to use,

then it's such a great value to you.

- So good.

Oh Susan, these are so great.

I'm not kidding.

And all, you guys, so inexpensive.

And it makes your life better.

- It does. - It makes it easier.

- It does. - It saves time and money

and I love it, so great.

So you guys, make sure to check

out the November issue of Woman's Day

that's on newsstands today, right now,

to get more information on all these great

cleaning products and more.

And click the link in the description

for even more information.

Thanks, Susan, so much for being here.

This is so great. - So fantastic, thanks.

(upbeat music)

- Guys, let's be real.

Being a parent is hard work.

Now that I have two daughters of my own,

it feels like the to-do list never ends.

And as every parent knows,

your priorities change and you have

to make important decisions for your child's future.

That's why term life insurance is a must for every parent.

It's so easy to get and it's affordable.

What you're looking for is 10 to 12 times your annual income

to make sure everyone in your family's taken care of.

Winston and I use Zander Insurance.

They do all the work for you

to find the best prices and options.

So go to Zander.com to get started on a quote today,

because that's who we trust to take care of our family.

- Why do we fight with the person that we love the most?

- What's crazy is one of the leading causes of divorce

in America today—money fights and money problems.

- Money's the number one source of conflict.

It doesn't matter how much you have, a little or a lot,

it's still the source of a lot of friction.

And what happens to negative feelings that we bury?

They have a high rate of resurrection.

- It's amazing that money hits us in a place

in our marriage that no other subject does.

I want you to put yourself back in the driver's seat

of your life and your money, because I want you

to learn to love your life, not theirs.

- Your relationships can only be as healthy as you are.

- Don't get on the same page as your spouse

just because of your bank account.

Do this for your marriage.

(upbeat music)

- Weren't those products so fun, you guys?

Like the little foam cleaner one.

All day, every day, loved it.

Alright, stick around to the end of this episode

to find out how you can possibly win those products.

Very exciting.

All right, some more spending that you can do

is actually when an emergency happens.

So spending out of your emergency fund

could be a reality for all of you.

Now, your emergency fund starting

out is just $1,000.

Quick and easy until you get out of debt

and you list out all of your debt, smallest to largest,

do the debt snowball, pay off your debt,

everything but the house,

and then you're gonna bump up

that starter emergency fund to three to six months

of expenses and have that tucked away.

So there's your emergency funds.

Now, I don't want your emotions to trick you

into thinking that something is an emergency when it's not.

So here are three questions you can ask yourself

to figure out is this an emergency?

Can I spend out of my emergency fund?

Number one, is it unexpected?

Christmas, mm-mm, no ma'am.

Christmas is not unexpected.

December 25th, every year people.

You know it's coming.

That is not unexpected.

Now, your car breaking down on the side of the road,

mm-hmm unexpected.

I was gonna give you car examples.

The only one I know is your tire goes flat.

Stuff can happen with the engine and oil and stuff,

so if any of that happens and your car

doesn't start, unexpected for sure.

Number two, is it necessary?

Whitening your teeth?

No, not necessary. No.

Don't spend out of your emergency for a teeth whitening.

Now if you chip your tooth or you tooth goes missing,

uh, I'm gonna say it's necessary.

Yeah, you might wanna fix that, be great.

Number three, is it urgent.

Buying a hot tub because it's 40% off,

probably not urgent, no, no, no.

Unless you're on The Bachelor, that would be urgent.

But your water heater breaks then yeah,

for sure, let's get that fixed.

That's an emergency.

So if you're still not sure what a true emergency is,

here are a couple of examples.

Maybe you've lost your job and you have to pay bills,

or you have massive, unexpected home damage,

like a tree falls on your house,

there's a natural disaster or a leaky roof,

those are all emergencies,

so it's okay to spend out of your emergency fund.

That's what it's for.

That's what I love about an emergency fund.

It takes a crisis and turns it into an inconvenience.

Now to give you some motivation

to fund that emergency fund,

check out my free goal tracker

and you can color in the progress

that you make towards your goals.

It's very excited, so make sure

to click the link below for that.

Alright, coming up next is the story

of Melvin and Danielle who are currently paying

off their debts and they just started

their journey two months ago, you guys,

and they may or may not have cut up 17 credit cards.

So here's their story.

- When I finally sat down and totaled everything up . . .

- I think we were at $96,000 in student loan debt.

- The thought of paying off a student loan

until the age of 50, 55 just drove me nuts.

- It seemed normal.

Every time we talked about it,

like when we brought it up with our family,

they would say student loan debt is a good debt.

- A good debt, yeah.

I would say before Financial Peace I felt

like I was on a marathon that was never gonna end.

I knew the debts would be paid off,

but it just felt like this was a lifetime.

- I felt just worried and wanting

to hide from what we had gotten ourselves into.

The minute we decided we were gonna do this,

we literally ran with it.

- Now after Financial Peace I feel

like there's an end, right, there's hope.

- I feel like a sense of peace literally has just washed over me.

- More so than anything, I definitely feel

more connected to her than ever.

- Alright you guys, thank you so much for being here.

I so appreciate it, 'cause your story,

when I heard about it, I was like, "I want them

to come on the show and talk about your journey,"

because you're on a very significant

journey right now in life.

And so, tell me a little bit about where all this began.

- I mean basically, we had a mound of debt

and we realized, well more Melvin realized,

that we really need to get rid of it.

And eventually he got to the point where he was

so frustrated with our student loan debt,

our credit card debt,

and probably frustrated with me.

- So you're the free spirit.

- Oh definitely.

- Total nerd, total nerd.

- We're on the same team.

Yay to free spirits.

Okay, so that is one thing I get a lot

is the reluctant spouse, right?

The spouse that won't come on board.

Okay, so since you were the reluctant spouse

what would you tell a spouse that is like Melvin,

who wants to be on board, what would you say, "Okay,

this is the best way to get your free spirit honed in."

What were things that helped you?

- I mean, he really wanted me to get on board

but he also gave me my space to make sure

I joined him on my own terms

instead of just trying to drag me into it.

And honestly, with him, seeing the worry and the fear,

and I don't want him to feel like that.

I want him to realize he's doing

a great job providing for us,

so I want to make sure I made him feel like that.

And if me being on board was gonna help him

and us doing this together is gonna help our family,

then that's what I'm gonna do, too.

- Yeah, so the why behind it is huge.

- Absolutely.

- Yeah.

- He got to the point where he said, "We need to change."

And he talked about ordering

Financial Peace University over and over again.

Eventually one night I told him, I said,

"If you want it so bad, just go order it."

- It was kinda towards the tail end of a pay period.

We didn't have anything.

We had maybe about $150 left in our bank account.

- Wow, yeah.

- And so we're like look, if I'm gonna do this,

I'm gonna do it now.

- Okay, so what I think is so significant

is that that could've just been another night, right?

You just bought something online, it wasn't a big deal.

But you remember the night.

- Oh yeah.

- You remember the time of day.

You remember exactly where you guys were,

so this was a huge pivot point.

It'll be a memory that you probably have

for the rest of your life, that moment

that you decided to make that commitment

to do something different is what it amounts to.

So you guys started Financial Peace University,

you got into the dumping debt section

about getting out of debt, okay,

and then tell me what happened from there.

- I think that dumping debt lesson just lit a fire in me,

and I just got out bed, I said, "This is dumb.

We can't do this anymore."

I got the scissors.

I said, "We're cutting all these up."

Sometimes it's hard to admit that we had 17 credit cards,

and it felt so good to get rid of them.

It really did.

- It became a whole Saturday ordeal.

So literally from, it must have been 7 a.m.

by the time we were done with the lesson,

getting the two girls up, breakfast,

and then literally laying all the credit cards,

letting our girls see that.

And they're like, "What are these?" Right?

And, "What is this for?"

I can still remember our four-year-old asking us,

what are we doing?

And just giving her that experience

so that she knows not to go down this path.

- And that's it.

And that's what I always tell people

when they're getting out of debt.

And those of you getting out of debt currently

you probably felt this, because we say

you have to be sick and tired of being sick and tired.

It's this point like we're done.

I talk to some people and they're like,

"Yeah, I think it'd be kinda fun to get out of debt."

I'm like, "Yeah girl, that's gonna take you a long time."

You can wander your way in. You cannot wander you way out.

It has to be intentional and there has

to be a lot of sacrifice.

So you guys started paying off that debt.

You cut up the credit cards, you started down this path,

and you guys currently, you've paid off

all your credit card debt already, right?

- Oh yeah.

- We are, we're completely out of credit card debt.

- Which was how much?

- Maybe about $10,000 in credit card, give or take.

- Yes, but since we started Financial Peace,

we've paid off $19,000 in our whole total debt.

- You guys, that's in a couple of months isn't it?

- Yeah. - 10 weeks.

- 10 weeks, okay, so what do you attribute that to?

Do you look at it and you're like we just were

not intentional before and now we're budgeting.

Is is that you're making lifestyle sacrifices?

How do you pay off $19,000 in a few months?

That's insane.

- We have definitely ran with the envelope system.

I think that's been the biggest thing that's helped us,

because we overspent a lot

in going out and restaurant money,

and when that envelope runs out, you're done.

- And if you guys don't know what it is,

it's like the best system and I did this for so long.

So you cash out categories in your budget

that you tend to overspend on.

Most people, restaurants, groceries, clothing, all of that,

so you actually have physical cash.

And it's a great accountability,

because you see the cash and when it is gone,

like you said, it's gone and you have

to make a different decision on what you're gonna do.

- Now it's like we're on the same page.

We're looking at the same budget.

We know how much we're spending for every category

and the discipline that comes in behind it,

after a while you just come to say,

I really spent this much in this area?

What am I buying?

It just really starts getting you to question certain areas

and like you said definitely having the same goals.

- Totally, 'cause that's what I always tell people

is when you can agree on your money,

you agree on more than money.

You're agreeing on your goals, on your dreams,

where you wanna go as a family, on your fears.

So much is tied into money.

So what in your marriage has changed

throughout this process?

- Definitely our financial communication.

And it was funny, a few months before we started,

he actually wanted to sit down and he asked me,

"What are our goals for the future?"

And I was just like, "I don't know."

I was like, I'm not sure.

But now I don't get frustrated with that question anymore

'cause I know exactly what we wanna do.

And when we get out of debt,

we wanna make sure our girls have money

for college so they're never

in the student loan debt that we're in.

That's another big part of what we're struggling

with is our student loan debt,

and we don't ever want them to be part of that.

- Yeah.

Even if you're past the steps,

maybe you're right now investing,

you're saving for kids' college, whatever it is,

no matter where you are, okay, we have a goal

and so now every dollar, we're just gonna be

intentional with where it goes.

And it adds up so much over time.

So you guys have, how much debt do you have left in your?

- When we started Financial Peace University

we had 116,000 and now we are down to 100?

- A little south of 100.

- So you're truckin'.

Do y'all have a date in your mind?

Have you tracked it out where you're like our goal is . . .

- Yeah, so if nothing else were to change today, right,

we're 36 months out, but now it's really just being

more intentional about what else can we adjust here?

Do we really need to spend?

We're really having one of those discussions.

- So would you say you're in a totally different mind,

emotional space than you were six months ago, a year ago?

- Absolutely.

I think the biggest thing I keep telling him

is even though we're not even halfway

through with our debt snowball, we're not quite there yet,

I have a sense of peace and just relief

and I don't feel the weight anymore,

'cause we have our plan, we know what we're doing.

It's an amazing feeling.

- Well, thank you guys so much again

for coming on and sharing your story.

I mean, are they just not incredible?

Right now if you don't wanna run through a brick wall,

I don't know what your problem is, people.

Seriously, it is just remarkable.

When you gain control of your money,

they are living proof of it,

that you have control and you have peace.

And you guys, I mean they still are in their journey

of getting out of debt but the peace of mind

that comes with having a plan

and knowing what to do changes everything.

And Financial Peace University,

it is seriously one of the best things you can do.

If you have not signed up, sign up.

Click the link below, get more information,

and if you wanna know more about the envelope system

which is amazing, too, I'll put a link down below

of a video that I shot earlier on that,

so make sure to check that out.

You guys, you're awesome.

Thanks so much again. - Thank you.

(upbeat music)

- Alright you guys, the best part of the show,

She Works Hard Saving Money.

Alright, Joanna said,

"We paid off all of our debt two years ago using Dave Ramsey's debt snowball.

And then something happened

and we had to use our emergency funds.

And then things kept happening for two years.

We weren't able to get our emergency fund back

to $1,000 until now.

Back on track, guys, and we're finally able

to move on to Baby Step number three."

Joanna, that's so amazing.

And doesn't that happen?

It's like when it rains, it pours,

but you guys are doin' it, I love it.

Brittany said, "Teaching him how to work young

and the value of the coupon."

Christine posted her goal tracker

and almost halfway through Baby Step One!

Way to go, Christine.

Okay, remember you guys, spending money is not terrible.

It's not a bad thing.

You can spend money just when you are in control,

you have a plan, and you're not spending

out of your emergency fund when it's not an emergency.

Thank you so much to Melvin and Danielle for coming in.

You guys, stick with that journey.

You guys are doing incredible.

And thank you to Susan from Woman's Day,

and I want you guys to actually comment below

with your favorite household products.

Now, I'll be checking those comments out later

and picking one of you to win all

the products that Susan talked about.

So fun.

Well you guys, thank you for watching this episode.

And remember to take control of your money

and create a life you love.

(upbeat music)

For more infomation >> How to Stop Spending So Much Money - Duration: 26:16.

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HANDING OUT CITATIONS (NEW PRANK!) - NEW FUNNY VIDEO - UNCHAP - Duration: 5:46.

For more infomation >> HANDING OUT CITATIONS (NEW PRANK!) - NEW FUNNY VIDEO - UNCHAP - Duration: 5:46.

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It's Kiwi Safety #AirNZSafetyVideo - Duration: 4:38.

For more infomation >> It's Kiwi Safety #AirNZSafetyVideo - Duration: 4:38.

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AFTERNOON WITH QUEENS - Duration: 4:41.

Hello friends, I am K-RO

Today I will be in an afternoon with queens

With the queens of of traditional festivals

It will be super fun I hope you like it very much

As you can see there are a lot of people, this event takes place in the VIVA de sincelejo shopping center. let us begin

Friends I am very happy to be here in this event

I'm with two beautiful queens

Maria del Mar and Lucy Alba the popular queen of the holidays

I have a question girls. What does it feel like to be queen?

Tell me Maria del Mar do you tell her or do I tell her? . tell them you

amazing

Wonderful

Great

Unmatched

OKAY. a unique experience

For the next one, I'm going to nominate myself to be queen

they can all be queens

I hope you like this video very much

Do not forget to follow me on my social networks like facebook, twitter and intagram

As always the links I leave you at the bottom, also do not forget to subscribe

I send you a big kiss and as always do not forget to smile

For more infomation >> AFTERNOON WITH QUEENS - Duration: 4:41.

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Church members allegedly spray money on pastor to celebrate his birthday (video) - Duration: 1:18.

Church members allegedly spray money on pastor to celebrate his birthday (video)

A viral video of a pastor being sprayed money in church has caused uproar on social media. It was gathered that the pastor was allegedly being sprayed bundles on money during a church service to celebrate his birthday.

The pastor identified as, Prophet Chukwuemeka Ohanaemere, is said to be the senior pastor of Intervention Ministry in Anambra state. In the viral video, the pastor was seen singing and dancing while dressed in a shinny yellow lace.

He danced and sang at the same time while some members of his church came to the alter to spray bundles on money on him.

The video was shared on Instagram by popular controversial media personality Daddy Freeze. In his caption, Daddy Freeze alleged that the pastor had been celebrating his birthday in the video.

This video had seemed to have offended a lot of people who expressed that it was disrespectful. Some even referred to the display as a concert.

For more infomation >> Church members allegedly spray money on pastor to celebrate his birthday (video) - Duration: 1:18.

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The truck carries food and feeds the kitten. Video about a toy truck and a kitten - Duration: 2:47.

The truck carries food and feeds the kitten

I want to eat

I will feed you

For more infomation >> The truck carries food and feeds the kitten. Video about a toy truck and a kitten - Duration: 2:47.

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5th "Drive Experience Day" (2018 Official movie) - Davide Cironi's Car Meeting (SUBS) - Duration: 12:21.

More beautiful every year, congratulations!

I come from Macerata, I wanted to come since I heard about the first meeting 5 years ago:

it's a dream come true, great!

I'm here with a 1988 75 Twin Spark,

there are a lot of people and a lot of cool cars

A great meeting... it's been 3 years since we have come here for the first time

It's always a pleasure, let's see how the joyride goes... Have fun!

This is our second time here, we come from Rieti

We own a workshop in Rome, we took some GTRs, few Porsches...

I have to say I like how it's going: well-organized,

I also saw the Track Day video and I think that was awesome.

Davide seems like a good guy... that's it, I don't know what to add

First row, get ready!

It's the second time we come here and it's still great:

keep up the good work, Davide!

We are a bunch of enthusiasts, Davide knows us because

he actually drove this car so we are attached to him.

It's my first time here and it's fantastic

The only meeting where VW/Audi enthusiasts, Alfa/Fiat enthusiasts get along:

we are all friends here!

"It's wonderful... he also told me there's a lot of food but I don't see it"

Stefano: "Don't worry, there's plenty" "Ok then"

I can see how Davide and the meeting have improved over the years

Stefano: "It's the official video, c'mon"

"No no, thank you... I've got no time for this"

It's our second time here and I have to say it's marvelous,

congratulations to Davide and to his team

Stefano: "What car have you guys got?"

"These two rattletraps"

The arrosticini are a treasure of the human race.

We have got a 1985 Porsche 911 Carrera

I'm here with my 1967 totally-original Bianchina,

it's full of cars here: wonderful

Luca: "Good morning"

The trip was very nice: owning a sports car here makes sense.

There are plenty of cars and plenty of people

"Hi, I'm Erika..."

"and I'm Gabriele... We just went for a drive on the mountains here"

"The panorama is gorgeous"

The trip was great, unfortunately there was some traffic,

but we had fun... Congratulations Davide!

We come from Siena, we had a lot of fun, we have a

2018 Lotus 220, we are glad to be here and we'll surely come next year

It's a 1978 Alfetta GTV 2.0

It's always a pleasure to be here, roads are great

I came here with a Ferrari Testarossa, it's fantastic here, the trip was great

After an idea by Davide Cironi

Filmed and edited by Stefano Ianni

Filmed by Giovanni Sfarra

Aerial shots by Mattia Nardis

Translated by Elia Pozzani

For more contents and photos feel free to check out our website WWW.DRIVEEXPERIENCE.IT