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Dumping Debt Fridays | Q&A | Should You Reward Progress?

897 views · Published 23 March 2018 · 12:19 · Indexed 26 October 2026

Channel: Kelly Anne Smith · 2018 · People & Blogs

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Dumping Debt Fridays is where we come together every Friday and I answer your financial questions or give you a LIVE update on my monthly budget. Financial Q&A's are where I originally fell in love with budgeting and couldn't learn enough, I used to watch my favorite channels like Budget Girl, Gazelle Intents and Debt is Dumb just to name a few. I learned so much from these Q&As and received many requests to start my own weekly Q&A answering your Dave Ramsey and budget-related questions. Please leave any questions you have in a comment below AND if you have a MONEY WIN please share that with me as well! I absolutely LOVE celebrating your money wins! 

Questions asked:
Becoming Housewife 
How much are you guys wanting to save for your new house? Are you thinking to do the 20% down to avoid PMI? Your budget is awesome.
Better Life Broadcasting   
How do you handle the online shopping vs. receipt vs. cash envelope conundrum? It drives me crazy! I'll find a grocery or household item on amazon for 1/2 the store price, but then it's no physical receipt and I have to go back to the bank to put that exact amount of cash back into the account. It's a nightmare!
faithscurls 
Hi Kelly! My family is wrapping up BS3 this month. While doing BS3 we allotted money each pay period for me to get a nice designer handbag to celebrate completing BS 1, 2, and 3, while moving on to the rest. Thing is, I'm finding it hard to get the bag. I mean before DR I always dreamed of getting this bag and still do. Now that we have the money and an EF, I'm like what else could I do with it. Am I crazy or do you have any advice for something like this? I didn't flat out buy it b/c I didn't want to be impulsive, but I kinda feel guilty. I don't know...
Melodie V 
So you have a 6 month emergency fund? It seems like in your budget videos you are still building it.
Tracking With Tonya TD   
Congratulations on step 7!!!  I can’t wait to be there but we’re only starting step 2 so it will be awhile.  So I I’d love to get your thoughts on tithing.  We haven’t been doing that for a few years because we’ve been so tight in our debt.  As we started this we decided to start but are giving 10% 🤦🏼♀️. My heart wants to but if we do it’s going to take sooo much longer to pay off debt.  If we keep the pace we’re on we should be debt free besides mortgage in two years maybe less.  Would you keep the giving a little smaller to quickly get free or do 10% and if it takes years longer just accept that?

MONEY WINS:
Tamara Dean 
Hey! You have no idea how much you have helped my husband and I with our budget! We payed off my student loan today! 🎉 next is our bank loan. Our plan is to pay off a lot of our debt and move back to our home town.
Amber McClellan 
I had a major money WIN! We became DEBT FREE on 2/16!! Onto BS#3, so glad to hear your tips on staying motivated after BS#3.

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