Cullen and Katie: Losing the house, no jobs for either spouse | Part #27

[Romeoxsavexme]

Cullen has no fucking idea what is going on with the budget. She purposely keeps him in the dark so she can continue to blow money like she’s in Congress.


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[ICantEven]

So they paid off $9000 in debt in the last 4 months while increasing their expenses in several categories. Sounds too good to be true. Even they seemed surprised. I wonder if they are still not paying their mortgage.

I can't imagine anyone is actually watching them for budgeting advice at this point. But if they were, this video did absolutely nothing to help others understand how to also accomplish this amazing feat!

[Tayloch00]

So they paid off $9000 in debt in the last 4 months while increasing their expenses in several categories. Sounds too good to be true. Even they seemed surprised. I wonder if they are still not paying their mortgage.

I can't imagine anyone is actually watching them for budgeting advice at this point. But if they were, this video did absolutely nothing to help others understand how to also accomplish this amazing feat!

The only way to accomplish this is to mooch off rich old parents. Her parents are paying off their debt including the mortgage. What they pay is probably the utilities. Her budgeting made no sense like ok holidays fine , kids budget that's a reach for me, but the youtube TV is stupid like your basically poor what is wrong with you? Also, katies compulsive shopping is a huge factor like oh I have to get gaines pants even though she has pants but doesn't like them and I wont force her to wear it like your in debt because of shopping just tell the girl to wear them we all know you have a lot of hammy downs. Cullen needs to stand up for his family and put his foot down and say no more spending unless its absolutely necessary.

[lmmomSD]

I saw the debt disaster video and dear god are they dumb. Katie is so out of control with money and saying that oh I wont make Gaines wear pants just cause she doesn't like them. She will justify going out and getting her new pants like always. Then adding categories ok holiday expenses isn't bad but that needed to be done all year. She probably will go over board during Christmas and try and justify it. Also cullen saying aldis is expansive I could laugh. I don't get them for a family of four they should spend 400 a month on groceries. She needs to look into jordan page and see her helpful tips on groceries. They are just dumb people that have no idea about money.

Jordan Page assumes you have a huge freezer and a storage. And some of the stuff she feeds her children looks worse than the stuff Katie cooks.
They're both nuts, and both exploit their kids, but at different ends of the spectrum. Maybe somewhere in the middle, between completely spoiling your child, vs barely throwing a party for him/her (while throwing a big bash for yourself on your own birthday) is the right way.

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[bootsncats]

Haven't watched the video yet but I'd assume you can pay off $9000 in debt over the last few months BECAUSE YOU HAVEN'T BEEN PAYING YOUR MORTGAGE! And, those payments don't just disappear you bozos... they are tacked on to the back end of your mortgage.
Like the poster above said... this does absolutely nothing to help people who are seriously working to get out of debt. They are a big joke.

[Tayloch00]

I saw the debt disaster video and dear god are they dumb. Katie is so out of control with money and saying that oh I wont make Gaines wear pants just cause she doesn't like them. She will justify going out and getting her new pants like always. Then adding categories ok holiday expenses isn't bad but that needed to be done all year. She probably will go over board during Christmas and try and justify it. Also cullen saying aldis is expansive I could laugh. I don't get them for a family of four they should spend 400 a month on groceries. She needs to look into jordan page and see her helpful tips on groceries. They are just dumb people that have no idea about money.

Jordan Page assumes you have a huge freezer and a storage. And some of the stuff she feeds her children looks worse than the stuff Katie cooks.
They're both nuts, and both exploit their kids, but at different ends of the spectrum. Maybe somewhere in the middle, between completely spoiling your child, vs barely throwing a party for him/her (while throwing a big bash for yourself on your own birthday) is the right way.

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There is somewhere in the middle. She could have bought one thing for each of them that they wanted and justified the great wolf lodge was for both their birthdays. Gaines didn't need a lot of that stuff that she got while poor brooks got some little toy while her unbirthday present was a something she wanted. My whole thing with her groceries its 95% crap and I bet half of that stuff goes to waste because I bet they got out to eat or order takeout a lot. They don't know how to budget or create a meal plan and just spend money like its nothing to them.

[scamartist]

I am not going to watch the video. Did they disclose their current debt amount? If so, is it actually $34K less than when they started (isn’t that about how much they claim to have paid off)? My guess is that they did not disclose it bc they are not far below $100K, or they are above $100K now. You can absolutely throw thousands at debt like that, but of course to pay it down, you can’t keep adding to it. I don’t believe they haven’t added to the debt. It’s like people going to the casino and claiming to win $25K but leaving out that they played $30K, so they are actually in the hole $5K.

[HashtagBlessed]

LOL at "budget adjustments." You mean not paying your mortgage? Does anyone remember what their mortgage payment was? I remember it being something outrageous like $3,500. So there's clearly several thousand dollars there that wasn't going to debt repayment over the last several months.

$9,000 over four months might not be that much above the minimum payments on $85,000 worth of debt, at least when it comes to the portion that is credit card debt, so they may still be accumulating a ton in interest. That's only $2,250 a month. We put more towards savings in a month than that, and we pay our mortgage. I'm assuming that what they did pay off was probably IRS related and smaller stuff like doctor's office bills and other things they let accumulate for God knows how long, if they're following Dave Ramsey's advice. The high interest stuff like the credit cards have barely been touched it seems, not to mention the mortgage balance. What are they going to do when they a) need to bring money to closing, and b) need to actually pay for the roof over their heads? They were able to raise a good chunk by selling off a bunch of possessions that they are probably still paying for on their credit cards, and then they could only manage about $2,250 a month WITHOUT a monthly mortgage payment. That's pretty embarrassing. How do they think they're going to manage when they aren't able to rob Peter to pay Paul?

[WatchinTheWreck]

LOL at "budget adjustments." You mean not paying your mortgage? Does anyone remember what their mortgage payment was? I remember it being something outrageous like $3,500. So there's clearly several thousand dollars there that wasn't going to debt repayment over the last several months.

$9,000 over four months might not be that much above the minimum payments on $85,000 worth of debt, at least when it comes to the portion that is credit card debt, so they may still be accumulating a ton in interest. That's only $2,250 a month. We put more towards savings in a month than that, and we pay our mortgage. I'm assuming that what they did pay off was probably IRS related and smaller stuff like doctor's office bills and other things they let accumulate for God knows how long, if they're following Dave Ramsey's advice. The high interest stuff like the credit cards have barely been touched it seems, not to mention the mortgage balance. What are they going to do when they a) need to bring money to closing, and b) need to actually pay for the roof over their heads? They were able to raise a good chunk by selling off a bunch of possessions that they are probably still paying for on their credit cards, and then they could only manage about $2,250 a month WITHOUT a monthly mortgage payment. That's pretty embarrassing. How do they think they're going to manage when they aren't able to rob Peter to pay Paul?

I think they are including their entire payments as debt paid off, which isn't the case. They should only be calculating what portion of the payment comes off the principal or even calculate the balance difference from month to month. If they aren't that, then where did all that extra cash come from? Was it from them skipping their mortgage payment for three months, because their mortgage is over $3000 a month. I also see they have a contingent offer on the house, are they skipping payments again or did they put that money off to the side to bring to closing? They really aren't being very transparent at all. They make it seem like they are, but there really is no true explanations on anything.

[Boymomma123]

Cullen is really acting like Katie just discovered a cure for cancer over on his Instagram because she did 365 posts on her Instagram. They are talking about perseverance and pushing through like she made some tremendous impact on society by posting every day. She posted a picture with a caption for a year straight. They are so delusional and out of touch with reality. This is not an accomplishment.

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[lmmomSD]

I'll bet they weren't paying utilities either. Most utilities weren't disconnecting people who were "unable" to pay. And that behemoth costs a lot to keep cool in the summer! So they have been running around spending money that should have gone towards mortgage, utilities, and credit cards, and probably, as people said, made just the minimum payments. Just enough to keep the accounts open.

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[wishes]

Halle-freakin’-luah, no more daily gratitude posts from Katie. -praise hands- x 100

[irishmiss]

So its more than a week now since the house is contingent. If everything works out what is the typical timeframe for the sale to be finalised in the US?

[scamartist]

So its more than a week now since the house is contingent. If everything works out what is the typical timeframe for the sale to be finalised in the US?

Typical closing time in the US is 30 days- 6 weeks, but it can be longer based on terms of the contract. Contingent likely means the buyer has to sell their house, which could take several weeks, plus closing time. But there are usually terms that a contingent buyer has to follow. For example, dropping price of the home they are selling after a certain amount of time to help it sell faster.

[Ducklings4]

I hope they sell their house because I can’t wait to see what they will be able to rent with two dogs, two cats, and two kids. The big bite of humble pie that Katie is going to have to bite into will be interesting to follow.


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[janaduggar]

They posted a new video and they have *two* offers on the house. I can't wait for this shit to be over.

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[lmmomSD]

What adult posts pictures like this. You can't tell me they don't see what is reflected in the mirror.
They aren't 20 year olds at a frat party. That's probably why they don't have friends anymore. Their friends have grown up. I wouldn't want to hang out with people who think this is still funny. They planned it. It's really obvious how posed it is.
I'm not against a little grabass between consenting adults. But posting it on a public forum?
And I am also SO glad that the year of "gratitude not perfection" is over. Katie used it as an opportunity to whine and bash Brooks. She has no idea what a real attitude of gratitude is. Not the slightest.

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[Boymomma123]

Did anyone watch the latest vlog? I can't bring myself to do it and wondered if there was any real information in it.

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[Creative74]

Did anyone watch the latest vlog? I can't bring myself to do it and wondered if there was any real information in it.

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They got a contingent offer on the house, which looks like it might actually happen. Plus, they have a backup offer. There's a lot of blah blah blah in between, talking about all the "stress" they've been under with having to show the house while also trying to celebrate Gaines' birthday (or as Katie calls it, "Birt-day"). It does sound like they might actually have a sucker.. oops, I mean legit buyer.. So I'm hoping this selling of the house BS is over finally. However, they make ZERO mention of where they might live next. So, nobody actually knows what their plan is if this house sells. Start popping the popcorn! Haha...

[marshmallowfluf]

I believe the only reason they will be able to sell this time is because of the extremely low interest rates right now. Houses around here are selling before they are even shown so it still looks bad that so many people have came through theirs and said hell no, lol


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