Cullen and Katie: Shifty eyes and constant lies | Part #25

Tue Feb 18, 2020 3:35 pm

Liz_444 wrote:I noticed JKToday is back on YT. I wonder why?

Where? Their last video was 2 months ago!

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Unread post by **Coletrain_04** » Tue Feb 18, 2020 4:21 pm

Cullen and Katie's new video is a WASTE OF TIME. I was planning activities for the month of March for my son so it was in the background. But omg. They are sooo immature. I can not listen to them. Like all their other videos, they're all over the place, rambling and making no sense. Don't waste your time unless you want to pick apart what they say. lol Seriously, it's a waste of time!

I'm not seeing any new videos from JK today. I know someone said their videos were gone, but they've been showing.

Unread post by **ashmax21** » Tue Feb 18, 2020 4:41 pm

Jesus sent them gift cards.

And brownies will sell the house.

Wowza.

Unread post by **chloe6124** » Tue Feb 18, 2020 5:13 pm

ashmax21 wrote:Jesus sent them gift cards.

And brownies will sell the house.

Wowza.

They actually do say to bake cookies or something to make the house smell good. I think though when you quit trying to make everything perfect that is when your house sells. We forgot to pick up dog dishes for a showing and that ended up being the person to buy the house. That is pretty rude to schedule a showing and waste the sellers time when pictures are online. At least go in and look at it.

If she is telling the truth it seems like they might actually be starting to get caught up and figuring out how to really work a budget. Dave always says it could take awhile to figure it out.

The one car thing doesn’t make sense because you can just go out and take a walk while your house is being showed. Although with all the pets that might be a little more complicated. I get her reasoning on why they are keeping it for now. What she said about Dave and what he says about car payments is true. He does say that.

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Unread post by **HelloSweetie** » Tue Feb 18, 2020 5:24 pm

chloe6124 wrote:
ashmax21 wrote:Jesus sent them gift cards.

And brownies will sell the house.

Wowza.
They actually do say to bake cookies or something to make the house smell good. I think though when you quit trying to make everything perfect that is when your house sells. We forgot to pick up dog dishes for a showing and that ended up being the person to buy the house. That is pretty rude to schedule a showing and waste the sellers time when pictures are online. At least go in and look at it.

If she is telling the truth it seems like they might actually be starting to get caught up and figuring out how to really work a budget. Dave always says it could take awhile to figure it out.

The one car thing doesn’t make sense because you can just go out and take a walk while your house is being showed. Although with all the pets that might be a little more complicated. I get her reasoning on why they are keeping it for now. What she said about Dave and what he says about car payments is true. He does say that.

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It didn’t seem to me that they were getting caught up and figuring out their budget yet AT ALL. It was a lot of the same justifying that got them into this entire mess. Not to mention, they are seriously twisting what Dave Ramsey says. For instance the part about the car. No one in the financial position they are in, should have a car payment. They were twisting what he says and they know it. What happens when they are still making those minimum credit card payments months from now?!

Also, it isn’t rude to not go into a home you’ve decided not to buy. The pictures may have misrepresented what it actually looks like and there was a mess out front? K&C aren’t tidy people. I’m not wasting time walking through a house I have already decided isn’t right. That’s how cautious people save themselves from making bad decisions. Why walk through a house your gut is saying isn’t right and risk being influenced?

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Unread post by **chloe6124** » Tue Feb 18, 2020 5:51 pm

HelloSweetie wrote:
chloe6124 wrote:
ashmax21 wrote:Jesus sent them gift cards.

And brownies will sell the house.

Wowza.
They actually do say to bake cookies or something to make the house smell good. I think though when you quit trying to make everything perfect that is when your house sells. We forgot to pick up dog dishes for a showing and that ended up being the person to buy the house. That is pretty rude to schedule a showing and waste the sellers time when pictures are online. At least go in and look at it.

If she is telling the truth it seems like they might actually be starting to get caught up and figuring out how to really work a budget. Dave always says it could take awhile to figure it out.

The one car thing doesn’t make sense because you can just go out and take a walk while your house is being showed. Although with all the pets that might be a little more complicated. I get her reasoning on why they are keeping it for now. What she said about Dave and what he says about car payments is true. He does say that.

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It didn’t seem to me that they were getting caught up and figuring out their budget yet AT ALL. It was a lot of the same justifying that got them into this entire mess. Not to mention, they are seriously twisting what Dave Ramsey says. For instance the part about the car. No one in the financial position they are in, should have a car payment. They were twisting what he says and they know it. What happens when they are still making those minimum credit card payments months from now?!

Also, it isn’t rude to not go into a home you’ve decided not to buy. The pictures may have misrepresented what it actually looks like and there was a mess out front? K&C aren’t tidy people. I’m not wasting time walking through a house I have already decided isn’t right. That’s how cautious people save themselves from making bad decisions. Why walk through a house your gut is saying isn’t right and risk being influenced?

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Leaving your home for a showing especially with pets and kids takes a lot of energy. At least you can do is go inside and not waste someone’s time.

I listen to Dave Ramsey a lot. He absolutely tells people if they can still work the snowball and the car debt isn’t more then 50% of your income you can keep your car. But he also says after you work your snowball you need to get it paid off. That car will be paid off by the time they get all these other things paid for. Yes they could sell it and have that extra 900 and pay off things faster but she was telling the truth about what Dave says.

The fact she was talking about creating a cushion in case they don’t get paid is a good thing. I just don’t know how much to believe.

Now saying that most of that extra 600 hundred should go towards the snowball. Take 50 and start the birthday and Christmas funds but put most of it on the snowball. Sometimes seeing the inside might change your mind about something on the exterior.

I thought using the xtra 20 they had left from valentines was a good thing. When you don’t use all of a envelope you can decide to use it for other things. The restraint thing was good too. She could of probably not put any money in there since they didn’t use the money from the previous period but I used to do the same thing.

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Unread post by **HelloSweetie** » Tue Feb 18, 2020 6:06 pm

chloe6124 wrote:
Leaving your home for a showing especially with pets and kids takes a lot of energy. At least you can do is go inside and not waste someone’s time.

I listen to Dave Ramsey a lot. He absolutely tells people if they can still work the snowball and the car debt isn’t more then 50% of your income you can keep your car. But he also says after you work your snowball you need to get it paid off. That car will be paid off by the time they get all these other things paid for. Yes they could sell it and have that extra 900 and pay off things faster but she was telling the truth about what Dave says.

The fact she was talking about creating a cushion in case they don’t get paid is a good thing. I just don’t know how much to believe.

Now saying that most of that extra 600 hundred should go towards the snowball. Take 50 and start the birthday and Christmas funds but put most of it on the snowball. Sometimes seeing the inside might change your mind about something on the exterior.

I thought using the xtra 20 they had left from valentines was a good thing. When you don’t use all of a envelope you can decide to use it for other things. The restraint thing was good too. She could of probably not put any money in there since they didn’t use the money from the previous period but I used to do the same thing.

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I don’t just listen to Dave Ramsey, we follow a lot of the budget guidelines. That means we have no debt besides our recently purchased lake property. Dave says it’s ok to have a car if you make a decent wage compared to your relative debt. They do NOT. There is no way for them to snowball repayment while having that expensive car payment. I don’t blame them for not selling Katie’s car, but Dave would absolutely call them out for not making any of the difficult sacrifices in order to get on the road to success ASAP. They are at best dipping their toe into the water of debt repayment and saving.

The numbers just don’t add up. Selling the house is their Hail Mary, and there’s no way it’s going to bail them out. That’s great some people have faith in them and think they are taking things seriously. I just definitely did not get that impression at all. Not to mention, I’m fairly certain Cullen was drunk (or high) during this video... Katie too.

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Tue Feb 18, 2020 6:10 pm

Katie seriously said she didn’t want to pay off their lowest $300 debt because she wants to start saving for Christmas and other holidays coming up.. I just cant..

Also, Cullen briefly mentioned them finding a “$115 apple card” and then the video cut and nothing else was said about it. I just thought that was weird..

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Unread post by **chloe6124** » Tue Feb 18, 2020 6:21 pm

HelloSweetie wrote:
chloe6124 wrote:
Leaving your home for a showing especially with pets and kids takes a lot of energy. At least you can do is go inside and not waste someone’s time.

I listen to Dave Ramsey a lot. He absolutely tells people if they can still work the snowball and the car debt isn’t more then 50% of your income you can keep your car. But he also says after you work your snowball you need to get it paid off. That car will be paid off by the time they get all these other things paid for. Yes they could sell it and have that extra 900 and pay off things faster but she was telling the truth about what Dave says.

The fact she was talking about creating a cushion in case they don’t get paid is a good thing. I just don’t know how much to believe.

Now saying that most of that extra 600 hundred should go towards the snowball. Take 50 and start the birthday and Christmas funds but put most of it on the snowball. Sometimes seeing the inside might change your mind about something on the exterior.

I thought using the xtra 20 they had left from valentines was a good thing. When you don’t use all of a envelope you can decide to use it for other things. The restraint thing was good too. She could of probably not put any money in there since they didn’t use the money from the previous period but I used to do the same thing.

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I don’t just listen to Dave Ramsey, we follow a lot of the budget guidelines. That means we have no debt besides our recently purchased lake property. Dave says it’s ok to have a car if you make a decent wage compared to your relative debt. They do NOT. There is no way for them to snowball repayment while having that expensive car payment. I don’t blame them for not selling Katie’s car, but Dave would absolutely call them out for not making any of the difficult sacrifices in order to get on the road to success ASAP. They are at best dipping their toe into the water of debt repayment and saving.

The numbers just don’t add up. Selling the house is their Hail Mary, and there’s no way it’s going to bail them out. That’s great some people have faith in them and think they are taking things seriously. I just definitely did not get that impression at all. Not to mention, I’m fairly certain Cullen was drunk (or high) during this video... Katie too.

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Well considering we don’t know what there income is it’s hard to judge keeping it. I do agree not having that payment will help them get out faster. $500 dollars extra isn’t going to get that snowball paid off very fast.

She was ridiculous saying to not pay that $300 debt off. Christmas is far away . Just stick 10 bucks in it to start. When you pay off a debt it makes you feel so good.

Cut the tithing by 1/3 and put a couple hundred more toward the snowball.

I didn’t mean they were doing everything perfect. It just seems like maybe they are making strides. When they sell house she will probably make some excuse to spend half the money they are saving in payments instead of snowballing it.

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Unread post by **blondeusa** » Tue Feb 18, 2020 6:40 pm

I can't even deal with Katie drinking in this video. I love Truly as much as the next basic bitch, but not a necessity when you are in debt. If I was 100k in debt I would not be buying Trulys.

Tue Feb 18, 2020 8:10 pm

They are working from home they do not need two cars ffs.
They should sell the car regardless of what Dave Ramsey says. They are neck deep in debt. Those gift cards are an excellent way to use this “free money” as their grocery budget at Walmart, and use the cash they were going to use for groceries to pay their debt. It would certainly put them *slightly* ahead. We do this with our rewards cards. If any grocery stores like Coles and Woolies have us getting $300 rewards dollars at the end of the year or every quarter then we use THAT for groceries and our regular grocery budget money goes towards paying off an extra payment on our mortgage. Doesn’t happen all the time but it’s $300 we didn’t have and we put it towards the mortgage. We’ve been debt free for a while. All this BS excuses don’t add up to their financial“crisis”. They’re too relaxed about it and not making enough sacrifices to help pay it off quicker. Just my opinion. This recent video irritated me more than the others.

Unread post by **SNT41007** » Tue Feb 18, 2020 8:17 pm

Anyone else catch the comment that "Dave says it's okay as long as your debt will be paid off in 2 years and we will..."

Um. Did they not say they have over 86k in debt BESIDES the house and "other" expenses? (and before the realized they had 14K in "get current" debt) That means they will have to throw over $3,500 per month at debt and that's just assuming everything is at a 0% interest, which it's not. The more I watch these guys the more I want to know what planet they are living on because I want to move there.

They say they each make 4K per month...so that's what "we" are basing their income figures from...but I am sure their business owes taxes and such that they are also not figuring. I still can't fathom how even if they get a buyer with a full price offer for their house how they can close without bringing money to the table with what they bought it for and how much just the commissions for selling will cost, never mind all the closing fees.

Can Jesus send me some gift cards too? Feeling kinda left out over here.

How can they have THAT many showings on the house and still no buyer. Something is super fishy. I sincerely wonder if it's locals that can't stand them, know where they live and just mess with them by making appointments to see the house to get them flustered.

Unread post by **playground78** » Tue Feb 18, 2020 8:29 pm

amyfalafalagain wrote: ↑Tue Feb 18, 2020 8:10 pm They are working from home they do not need two cars ffs.
They should sell the car regardless of what Dave Ramsey says. They are neck deep in debt. Those gift cards are an excellent way to use this “free money” as their grocery budget at Walmart, and use the cash they were going to use for groceries to pay their debt. It would certainly put them *slightly* ahead. We do this with our rewards cards. If any grocery stores like Coles and Woolies have us getting $300 rewards dollars at the end of the year or every quarter then we use THAT for groceries and our regular grocery budget money goes towards paying off an extra payment on our mortgage. Doesn’t happen all the time but it’s $300 we didn’t have and we put it towards the mortgage. We’ve been debt free for a while. All this BS excuses don’t add up to their financial“crisis”. They’re too relaxed about it and not making enough sacrifices to help pay it off quicker. Just my opinion. This recent video irritated me more than the others.

Irritated me too! They are jerks. They aren’t changing a damn thing. Talking about saving money for Xmas? Wtf?
Get your priorities straight. Pay down some damn debt.
And Katie on her channel talking about healthy eating. But apparently must have cookies and now candy revealed after supper each night. There is NO WAY she lost that weight through hard work. No way. It’s a side effect of her meds. Which is great for her but she did not do it through hard work. It’s a antidepressant and Adderol. Guaranteed. She’s eating sweets, breaded chicken strips and sugar powder in her water? Healthy eating my ass!
They are both into instant gratification. They can play this little debt game while not really changing anything in their lives. They may end up lucky and get a boost in income to pull themselves out of the hole but I hope not. They deserve to hit rock bottom where there is no valentines toy junk or fun envelopes. Pull your heads out of your asses and face reality. I’ve got to stop watching. Lol. It’s hate watching at this point.

Unread post by **Haulnarse** » Tue Feb 18, 2020 8:42 pm

They are making the leaving home for a viewing extra hard.

Tell your agent you arent up for viewings between certain times if thats easier for you. Set up open homes instead.

I had a washing basket that i collected all the extra crap that i couldnt quickly rehome (including washing that didnt fit in the machine) and stuffed it in the car. Stick the dogs on a lead and go for a walk. I walked more in the three months our house was on the market, than i had walked in the previous year! If that happened to be during school pick up time, id walk to school to collect the kids.

Unread post by **Haulnarse** » Tue Feb 18, 2020 8:44 pm

They are really hoping they sell the house and can clear their debt to start again.

They are heading into their 40’s with nothing to their names. Winners

Wed Feb 19, 2020 12:40 am

Coletrain_04 wrote: ↑Tue Feb 18, 2020 4:21 pm Cullen and Katie's new video is a WASTE OF TIME. I was planning activities for the month of March for my son so it was in the background. But omg. They are sooo immature. I can not listen to them. Like all their other videos, they're all over the place, rambling and making no sense. Don't waste your time unless you want to pick apart what they say. lol Seriously, it's a waste of time!

I'm not seeing any new videos from JK today. I know someone said their videos were gone, but they've been showing.

Yeah their videos aren't gone but they aren't uploading. Thanks I won't watch CK and delete it from my feed

Unread post by **twinmama** » Wed Feb 19, 2020 4:20 am

Man, that last video was insane. They're just not living in reality - they're finding every way to NOT sacrifice anything. Small holidays like valentines and Easter would be the first to go for me - we hardly spend money on those holidays as it is, but there's no way I'd be thinking about "sinking funds" for Easter if I was in debt.

The car needs to go. A 900/month car payment is insane. It's a huge car, and I'm sure costs a ton of money in gas. I don't remember what make it is (Mercedes?), but I wonder if they're even putting regular gas in that thing. It doesn't matter that they'd break even selling the car, they need to get rid of it and free up the $900/month they're spending on it.

There's a good reason their house isn't selling, and it's not because there's anything wrong with the house. My mom went through this as well when she sold her house last year. People are not buying homes that big anymore. In the 90s and 00s it was popular to buy a huge open floorplan house with 4000+ square feet. After the housing market crashed, home buying habits changed, and houses like that are just sitting on the market. It doesn't help that there needs to be some upgrades done to the house, but I think the biggest downside is the size.

Given that their house has just sat on the market for more than 6 months, they need to stop counting on it selling. They also need to continue maintaining it, or else they risk their eventual buyers asking for fixes or backing out of the deal after an inspection. They NEED to decrease their expenses if they're going to survive this, and just spending less money on food won't do it.

Unread post by **re_berk** » Wed Feb 19, 2020 4:33 am

HelloSweetie wrote: ↑Tue Feb 18, 2020 5:24 pm
chloe6124 wrote:
ashmax21 wrote:Jesus sent them gift cards.

And brownies will sell the house.

Wowza.
They actually do say to bake cookies or something to make the house smell good. I think though when you quit trying to make everything perfect that is when your house sells. We forgot to pick up dog dishes for a showing and that ended up being the person to buy the house. That is pretty rude to schedule a showing and waste the sellers time when pictures are online. At least go in and look at it.

If she is telling the truth it seems like they might actually be starting to get caught up and figuring out how to really work a budget. Dave always says it could take awhile to figure it out.

The one car thing doesn’t make sense because you can just go out and take a walk while your house is being showed. Although with all the pets that might be a little more complicated. I get her reasoning on why they are keeping it for now. What she said about Dave and what he says about car payments is true. He does say that.

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It didn’t seem to me that they were getting caught up and figuring out their budget yet AT ALL. It was a lot of the same justifying that got them into this entire mess. Not to mention, they are seriously twisting what Dave Ramsey says. For instance the part about the car. No one in the financial position they are in, should have a car payment. They were twisting what he says and they know it. What happens when they are still making those minimum credit card payments months from now?!

Also, it isn’t rude to not go into a home you’ve decided not to buy. The pictures may have misrepresented what it actually looks like and there was a mess out front? K&C aren’t tidy people. I’m not wasting time walking through a house I have already decided isn’t right. That’s how cautious people save themselves from making bad decisions. Why walk through a house your gut is saying isn’t right and risk being influenced?

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Yes exactly. The car needs to go. If you are struggling to pay for the roof over your head. And I refused to go through a home too after getting a weird feeling from the neighbors. No one owes them anything.

Unread post by **Boymomma123** » Wed Feb 19, 2020 4:54 am

Did they mention paying the mortgage or is that still something they are avoiding in their videos. I would trade in that car and get a small sedan or small suv. They have two children and don't need a car that seats 8. They claim they pay themselves $8000 a month which seems like a lot but not really when to start paying down their debt they need to dedicate at least $2000 to the credit card. $3400 for the mortgage, $800 for daycare, $900 for the car, $400 to tithing. Something has got to give so they can have money leftover to pay down the debt. Budgeting is about making cuts and so far they haven't made any. Their big plan is for the house to sell but they haven't been paying the mortgage anyway and still don't have money so what good does that do them?

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Unread post by **Boymomma123** » Wed Feb 19, 2020 5:08 am

Are they paying the credit card bill out of their personal money? It is a "business" card so I would think they would pay it from the business. These videos make no sense, they are just all over the place how can they even follow it?

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