Відео

Please don’t bring doom and gloom into your UA-cam channel. Americans as a whole need to learn to meet in the middle and not spread so much hate on both sides. I hate the negativity people are posting.

Christmas was yesterday, but New Years was 237 weeks ago.

Oh no I totally had the opposite feeling, January flew by!! But I hate February, hope it will go fast as well. I have been enjoying your Instagram updates 🙂my new years resolutions are going strong as well!

The longest month ever!

Look at you kicking butt on those goals! I have been reading every day too, but only working out 4 times per week. And that’s only walking on my pad or peddling on my under desk bike. I need to incorporate some weights. Yay for $3000 towards your new car!! 😊🎉

mark your calendars..... next 5 fridays are: May, August, and October! woot woot!

What do you mean in the US??? The United States of America is truly the best country in the world! ❤️🤍💙

I am glad January is over! We are at 32 months until ALL debt is paid. That’s about 128 more Fridays!

Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy

Dr's baby step is just a guide. It helps people starts managing money. Who would save only $1000 if they can save more? Who would pay only the smallest debt if they can pay off the biggest one? DR's baby step changed my mindset and i have save more than i ever could.

Great Feb budget plan!! ☺ ☺

Wow I wonder what her out of pocket deductible is. I forget what mine is but $13k seems high for a deductible, so I’d get an itemized bill like you said.

That joint account line item scares me because it doesn’t show the details. Good suggestions… I wish we could save this kind of money every month.

Hi Amy 👋

Johanna, I agree with Amy that you'd benefit from doing a review of the past couple months of spending. Your bills/variable expenses seem shockingly low. I'd actually hold off on increasing your Roth until you have a better handle on exactly what you're spending.

Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy

I’ve never been in a ‘consumer’ debt situation so no expert experience from me but here’s my 2 cents on how I would handle it…..I have a BBA in Finance….so I feel I can do a tiny bit simple math. 😅🤣😂 Due to the caveat of a 0% balance transfer🙄😵‍💫😭…..I would make every effort to pay off the debt, yesterday. 😊 So this would be one of two ways I could handle it. I would temporarily minimize my Roth IRA savings….in this situation….I would save $225 and use the $1k towards debt (with a goal in mind to pay it off CCs ASAP so adjusting is key)…so this would be my plan. (of course, the monthly budget changes but I’m using the monthly budget you provided as if it’s the same Jan-Dec - adjust cc pymt accordingly as my plan is a sample) CC#1 June = $4300 / 6 = $717 + $1k from Roth IRA savings payment plan for CC#1: Jan = $1717 Feb = $1717 Mar = $866 === last payment to pay off $4300, DONE!!! This allows the CC to be paid way before June so you can tackle CC#2 quickly too. CC#2 Sept = $5550 / 9 = $617 + $1717 (snowball) payment plan for CC#2: Jan = $617 (min covered - I don’t know if there is a ‘min’ necessary for 0% - if not, my CC#1 pymts would look diff…hence it would be my 2nd way to handle this debt) Feb = $617 (again, min covered - I don’t know if there is a ‘min’ necessary for 0%) Mar = $617 (again, min covered - I don’t know if there is a ‘min’ necessary for 0%) April = $2334 (since CC#1 is paid off by March…you can snowball $1717 starting April - this pymt stings a bit since it is the largest - but good things ahead!) May = $1365 === last payment to pay off $5550, DONE!!! Now both CC’s are paid off by May! There is a big Opportunity to not let debt linger! Starting in JUNE…..you can use $2559 towards saving for EMERGENCY FUND / ROTH IRA on top of the $225/mth already saved, why wait til September if you are able to pay off CCs sooner by ‘temporarily minimizing’ Roth IRA savings. You will still meet the ROTH IRA max contribution before end of the year very quickly and also have extra money for other things and NO Pet name DEBT. hehe! Ok too much zapping from me. I hope I made sense. Lol.🤣 More importantly, I hope she’s able to pay off before expire date. Good Luck Johanna!

Amy great job ! Totally agree with the plan to give her 100 a month ! Nothing makes a budget look awful and restrictive then 0 money for self ! ❤😂Glenda

If I was in her shoes I would either use the savings today to pay off the debt or leave the money in a high yield savings account and then pay them off at the end of May while working on the emergency fund until then.

I really like these! Keep doing them!!

Love this series

I heart ❤you! This was awesome. As you know I working my debt snowball in increments (phase 1 less 1500, phase 2 less than 4000 etc.) but this video is great and motivating to stay disciplined and push forward. Thank you so much keep them coming!

You are totally on point with your car goal! A quick google search had used pilots for low $20ks and under 100k miles-- all less than 8 years old per Carvana pricing!! You got this!!

Hey sweetie I have a question I have a balance on one credit card that is 2000 ,should I throw as much as possible at this card ,before starting to save in different saving challenges.i think if I do I could pay this out by April or may .Any suggestions,Love watching you ❤❤

I also think you can go into your banks and ask for them to print statements … you may need to have an appt but I know they should have that service ! ❤Glenda

I couldn't love this video more! I have had pretty much this exact conversation with my 3 adult children as well as numerous friends who have asked for my opinion on finances. You need a budget! And --- you can't make a budget until you know what you are spending! When I decided to retire at 58 I spent so much time working on a REALISTIC budget. I watched so many YT videos and learned so much. They helped me identify some categories of things I wanted to save for or spend money on that I hadn't thought of or had forgotten. Now 4 years later - we are just over here living our best life. The sinking funds make it so stress free when it comes time to pay for things. My categories are much more specific than yours but that's what works for me. Example. I have a category for the Fair because we treat the grandkids and a friend each to the fair every summer. It's hella expensive if you haven't planned for it. I have an Amazon envelope and a Black Friday envelope and an envelope for books and one for crafts, etc. It's just so easy once it is all set up. If there is money in the envelope, we can spend it. If not, we need to plan and save for it. The initial work needed to analyze and set things up is so worth it!

Always nice to hear your vidoes :)

Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy

Your hair looks amazing 💁‍♀️

There are a few categories that seems to be missing... Water, Auto Insurance & Garbage....

Great video! Do you budget any life insurances, etc. in your budget?

Be careful with the 2017/2018 Pilots. I had a 2018 and had to replace the transmission under 100k, and by 100k the transmission was going out again. Those years have known transmission issues.

I love this series!!

How come no one puts money into savings, savings. Not sinking fund savings that is spent later, but a savings that you never touch? One that you just keep adding to for retirement, besides a 401k or Roth and social security

Hi Amy 👋 great video 😊🩵

Hi 👋 new subscriber here from my budgeting channel 🤗 I just found your channel. Here watching and supporting 😊

I would hope mint mobile pays u well since u do a lot of sponsorships with them

I think you can find a used car . IF you keep saving after you purchase your used car….in a year or so you can trade up for a better used car and still avoid debt. Don’t blame you one bit for avoiding debt!!

Great video Amy! My #1 financial goal this year is to pay down my student loan. It’s a stretch goal, but I want to pay it off in two years. I also have an old vehicle so I’m not throwing g everything at the student loan. I’m determined to purchase my next car for cash. I know it will be a very used car as I can’t send as much to that sinking fund because of the student loan but it is what it is. I’m hoping my current vehicle will hold out for two years. 🤞 January is always my lowest income month and this month was very low compared to last year. So I’m extending my “no spend” challenge into February out of necessity. It’s been going great though, I’ve only had two times I’ve had to “break” my rules, but in both instances I had the cash for it and I’m still within my goals so I’m fine with it. Thanks for sharing your journey, it is so helpful in motivating me! See you next week!

You’re doing it exactly how Dave R recommends. Get a car you can afford, then save some more and get a better car, and keep doing that. We found 2019 and up minivans (Honda Odysseys and Siennas) in the $20-$35k range under 100k miles last year so I’m sure you can get an SUV in your target range ❤

We just purcashed our 3rd all cash "not 1k junkers" and it is my favorite thing!! My suburban is closing in on 200,000 miles but I drive SO much for work that i just refuse to entertain selling it until i absolutely have to!

20k absolutely will get you a good SUV. we just got a super nice honda van for 10k. My next vehicle will be another suv of some sort and I have no intention of paying more than $20k. Worry 'bout you, you're doing great! People always have things to say. 😂

I’m excited to see what you actually buy the vehicle for eventually! I can’t wait to do this one day as well.

I don't usually go here (hi! subscribing now!) but I wanted to thank Nicole and you and everyone else who shares their financial situation with us out here. It's so vulnerable and I appreciate it so much. I've learned so much from content like this.

Honda Pilot is an excellent car. I have an older one (2011) with 233k miles and runs like a dream, very little repair needs.

You are doing what’s best for your family. Don’t worry about what other people have to say! 😂

People are conditioned to believe debt is a way of life and attempts to resist are futile. Your family will find a lovely vehicle. Keep going 😊

Even if that 2007 Honda accord has 300k if you sell it on Facebook you will probably get at least 2k we always look for accords or civics because they last!

Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy