STORYTIME: I WAS IN MASSIVE DEBT THIS IS HOW I PAID IT OFF!!! | Sophie Shohet
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- Опубліковано 1 кві 2018
- STORYTIME ON MY DEBT JOURNEY: How I got into it and how I got myself out of it. I talk a lot on here about luxury fashion and lifestyle including brands we all love here - from Chanel to Dior. But with such things comes the need to be able to pay for them. Social media has so many amazing positives, but it also encourages us all to put our best face forward! To show the fruits of our labor and not the labor itself! Debt is a real cause for concern and SO often it’s a taboo subject, one that no one wants to admit to or talk about. My debt started when I enrolled in university. Combination of me being very immature and inexperienced in terms of managing a budget that needed to cover rent/food/books…. AND, the need to still hold-down a social life at university, which meant joining peers when everyone went out in the evenings, to the cinema, shopping etc.
I didn’t tell anyone about my debt because I was frightened, I didn’t want a lecture (I already knew I was a fool for getting myself into it!) and I was embarrassed. Debt affects most of us at some point in our lives; whether it’s credit cards or a mortgage - but the debt spiral can be a hole that is near impossible to get out of. In this I tell you how my debt started with me wanting a packet of free coloring pencils (don’t ask), it then got so big that my salary wouldn’t cover the minimum payments. BUT, I dug my way out of it!! I want to share with you how I did that and let you know, you’re not alone and there is light at the end of the tunnel!
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--------// WHAT I WORE //-------
PINK TWEED JACKET
From Sister Jane in 2017: amzn.to/2Gw8FIs
Similar (not the same colour but the cut is pretty exact!): bit.ly/2InVfeb
KNIT TOP
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LIPSTICK “Just Nothing”
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LASHES (Designed for subtle day wear, up to 3 months wear)
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This is not a sponsored video.
Some links to products are affiliate, I try and link to the exact item where possible but if it’s sold out, I will link to the closest similar item.
Thank you to my lovely subscribers for watching and for your support, it is valued and appreciated more than you can imagine. - Навчання та стиль
I live in Ontario and had student loans like crazy. I was 40 grand in debt and wanted to get rid of it ASAP, so I ended up living out my my car while working full time. It was greasy and embarrassing, but I paid it off in 2 years.
Where did you park the car? If police found you, can be charged. How did you stay warm in the winter?
Wow! Mad respect
When the going got tough, you got going! Bloody awesome job!
A ton of respect that’s hardcore.
Damn! Good for you! That's amazing
This is why you are, hands down, the best “luxury” youtuber!
Julia Lundmark I agree
I lost it when you said "you didn't say that when you gave me the teddy bear" 😂😂 girl they will get you every time lol
I absolute love that kind of videos. I was really impressed with your career story video. You rock!
Aleksandra Szejnoga Ola ❤
Esp for women! more career & money advice please~
So true about pay day loans, I used one once and when I called to pay it back they sounded annoyed & told me a few times that I didn't need to pay it all on that day. I was like nope take your money and I've never had to go back to that. Thank God!
STAY AWAY FORM PAY DAY LOANS! I used to work at Cash Converters and TRUST ME, maybe 5% of people pay them off in time. All that happens is that customers need a new payday loan to cover the cost of their existing loans, and it just perpetuates. It's horrible, and only ends badly. Please take our advise, and DON'T DO IT!
Her vids are so real and informative
My brother is being sent credit card offers by banks, he signed up for one but fortunately my parents caught him in time, it’s kind of sickening how banks prey on college kids
This is a fabulous video. People see the luxury videos, and too many don't realize that the person filming it didn't start out being able to afford the luxury items (unless perhaps their parents made it possible, but that isn't helping them understand the value of money). Seeing someone who made a lot of the typical unwise decisions, but took responsibility for them and worked her way out of debt is inspiring on so many levels. Kudos for being vulnerable (like you have in other videos) and hopefully helping others to work towards being as debt free as possibly. You are an inspiration. Keep up the great work!
Thank you for talking about this!! So many people shy away from talking about money and debt, it’s nothing to be ashamed of and needs to be addressed more!!
Why is no one else talking about the edits and jump cuts?!?! So funny Sophie!! Hahaha😂😂😂
Wonderful video topic btw.
I love that you aren't afraid to talk about the not so glam parts of your life which other bloggers wouldn't dare discuss out of fear of damaging their perfect "image" you really seem genuine and realistic and that's one of the reasons I love watching your vlogs
So glad I subscribed for a long time now , Your videos are definitely not like the other luxury channels but it's more real and down to earth. It makes us feel able to connect to you and that bond is special. Thank you for staying honest and this great content
So happy someone has addressed this topic, and it just so happened to be my favourite UA-camr - Thank you Sophie :)
This was by far the best video u ever did. So informative. Bags, shoes, and unboxing are fine, but paying off debt so important. Thanks 4 this video, Sophie.
so happy you bring up things like this! i adore you and your willingness to admit to things that aren’t that glamorous but real people struggle with! such a helpful video
Thanks for keepin ' it real and being so open & honest.
all the little gifs speak to me so hard LOVE this video! You put everything so eloquently. You address the dirty like no other
So much love Sophie! Thank you for being so honest, it’s so refreshing and helpful! 💕
Such a great video, Sophie! 💕 Lisa
Yes Sophie!!! More videos like this! I have never been in debt, so can't relate to this, but I love seeing you talking about money and success! Please do more videos like this!
Thank you so much for being open and honest. It's easy to pretend to yourself that an overdraft isn't "real debt". I think this video is a must watch for young people moving out of home.
A bit out of topic but Sophie you looked particularly BEAUTIFUL in this videos 😘
I love your videos about managing your business and also the ones about career, you are such an inspiration! :)
I truly believe I'm so lucky to have subscribed to your channel!! We really feel a strong bond with you, which totally differentiate you from other 'luxe bloggers'! When I say 'Sophie is my role model in EVERY WAY and my ultimate motivation' there's no joke!! Thank you again for sharing all the information with us. You rock!!❤️❤️
This is the best beast video ever. Not many luxury good enthusiasts on UA-cam address this issue. U r so hard working n determined. Two thumbs up !!
This is why I love your videos. Real and so useful!
I really loved this video. I’m a new subscriber. And everything you spoke of about aneroxia, debt etc are taboo issues which no one talks of on UA-cam. You are showing a great deal of strength to overcome those hurdles and it’s amazing.
People !!!! Be wise to learn from the mistakes of Others!
Thank you Sophie for sharing cold and hard life truth! Great video!
I like to think I’m pretty good with money, the thought of drowning in debt scares me so I stay clear of credit cards etc. Having no money is a horrible feeling and this video is definitely helpful for motivation, so thanks😉btw love the editing with the gifs!
Conor_123 Same here. I don't spend money I don't have.
I told myself the same thing, no credit cards. Until I learned that they charge me foreign fees for using my bank card for overseas purchases. So I got a credit card with my bank to use during our European vacation to avoid those fees. Paid it off in 3 months to avoid the interest since i get no interest for 3 months from first use. Next time I think I'll get one with better perks like collecting points so they can be used for airfare. I think credit cards are only ok to use if you know you have the money to pay it off right away. Helps build credit score which helps in the long run when you are ready to buy a home or car.
Doesnt matter how much money you have in the bank, the most important thing is good credit. if you have no credit then you're screwing yourself in the long run!
Not sure if you're in he UK or the US but in the US it's actually not good if you have a line of credit open that's stagnant. It shows no record of you spending and reliably paying so it really is no help to have a credit card and not use it.
VanMaiTai same in the UK
Sophie, I think this is probably the most important video you have done. Thank you!
been binge watching all your videos luv them
Congratulations and thank you for talking about it! Your tips are very helpful and you give us all hope, there is light at the end of the tunnel.
thanks sophie! I love these videos! I find them so helpful.
This is such a massively important topic to talk about. Thank you Sophie!
Brilliant!! Especially the part on asking for a raise 👏
How brave and honest of you! Great inspirational video👍🏼
Thank you Sophie this was exactly what I needed right now - very informative and so refreshing to hear someone actually talk about debt
Your absolutely my favorite person ever! You are such a powerful business woman and you have shown me nothing is impossible. I have been watching you foreveeeeer! And every single one of your video speaks the the areas of many peoples lives that other people are not willing to admit to! I appreciate all of your honesty and putting yourself out there because it can be quite hard at times! Love your channel!❤️❤️
You make the best videos and you are so real about stuff that no one wants to talk about. I adore this channel
Sohpie thank you for putting this up! Super helpful
Sophie, this is such a helpful video! I went through the same after Uni and it is really hard and might I say degrading to a level. Also I wanna touch on something you mentioned. Women, men everyone know your worth and if you feel you deserve a raise ask for it. The worst that can happen is you are told no. I am so glad you did this video and I KNOW this will help many people out there!
Thank you for addressing a really important issue in such a personal way. What a difference you are making, in little ways. Appreciate it! Xx
This is so great for so many girls out there who may not know where to start in debt management! Good on you!!
Absolutely loved this video, Sophie!!
Thank you for your honesty!!! It was brave putting yourself out there and it’s so true how slippery the slope is. Excellent video! Omg and the memes were spot on perfect 😂
Dear Sophie, thank you so much for opening up to this sensitive topic. I myself am in debt too and I struggle paying it off. It is unbelievable how fast you can get into it but your video really gave me hope!
Oh, absolutely love that flamingo and leaves painting behind, love the style of it!
Thank you for sharing your story. Just knowing that you're not alone in your particular situation helps take the shame and stigma away from having debt.
Very helpful thank you for sharing your journey and experience with this particular subject, great video as always 💕
Hi Sophie I liked the video before watching it. I absolutely love this kind of videos !!!! Even though I’ve heard the story before, it always inspires me. Thanks for that
Thanks for ur inspiring video.....seeing how successful you are now really encouraged me to move out of my debt and better manage my finances.. Thumbs up Sophie
Fantastic advice and an issue that should be addressed more! Thanks, Sophie x
Thank you for this video. I needed to hear it!
Omg, yes, the bit about the groceries really resonated. Thanks for this video really enjoyed it :D x
S.Shohet - UR still the most articulate, intelligent, engaging, charming lifestyle/fashion commentator that I know in this format. Thank you for your commitment to your channel.
OMG Thank you Sophie for this video, this is really inspiring🙌🏼
Thank you for your honesty about debt, and more importantly, the strategies you gave to address it! It’s a difficult topic and very emotive and can cause embarrassment and distress. Showing how it can be overcome with commitment and discipline, without judgement on yourself, is such a positive thing. Thank you for sharing.
LOVE your finance related vids xx
i love you so much! you're such an inspiration to everyone! god bless you
One of ur best Videos! Love to hear ur experience!
Thanks for being brave enough to talk about this!
Wow thank you for sharing your life expierence about debt! I really enjoy such videos who nearly nobody is talking about and as Austrian studying english in school I adore your pronunciation and BE is great. Lots of love, keep on going with such underground topics and fashion, lifestyle talk! ☺️
Sophie you are such an inspiration to so many,wonderful video,Xoxo 💕
Thanks for this, I’m going to share this with my daughter who’s 21. She’s not in debt and is pretty sensible but it’ll inspire her to keep it that way. You addressed the topic without being patronising which is something as a parent I’ve really struggled with when I talk to her about money xxx
Reality and refreshingly honest and painful. Thank you for doing this.Thanks for reminding us that experience is wanted and needed.
Your video was so informative and brave that I watched the ads played after the video. Thanks a lot for sharing your experience and being so open about it.
Amazing Sophie! Thanks for sharing
Thank you for this video!! I'm interview for a role at the moment that would pay enough to help me start tackling my debt, fingers crossed! Your video came at the right time xx
Thank you so much for this video! I wish someone had shared this information with me when I was young!
The clips you added were hilarious 😂
Thank you Thank you! Im going to start school in the fall so I feel like this is for me.
Wise words. Thank you for your honesty.
Thank you! Loved this 💗 your blazer is gorgeous
Thank you, thank you and THANK YOU for this video!! I plan to show it to my daughter and it also helped me. You are 100% correct with the pay day loans. I used to do them about 8 years ago until I figured out it wasn't helping me at all. Please keep making these kinds of videos, it gives me hope that one day I too, will be debt free. Thanks again!!
Thank you for this as I'm currently a uni student going through exactly what you went through. I had never lived alone or paid for anything until uni and it's been a shock but a good learning experience
That was the funniest video on such a deep subject as debt! We've all been there at some point & you gave great tips for those that are in debt, especially students whom seem to be the most innocent targets! 👍😘
High quality video content from a high quality woman..I didn't expect anything less💜
Than, you for sharing your story. I am two months away from being out of debt and I feel like the weight is being slowly but surely lifted from my shoulders, it will be so nice to live debt free. I started getting into debt at 19 and I’m 26 next month!! I think they should talk about finance in the school curriculums to educate people about finance from a young age, it could’ve helped me!
Thank you so much your videos are so inspiring has really made me make positive plans though watching your videos a ray of sunshine ☀️
Thank you! Great video, great information and tips.
Thanks Sophie for the update!! I always love these videos! And thanks so much always for such great responses for our individual questions! Actually I don’t know if you remember, I have asked you for your advice on career previously on Instagram. I have taken your advice and now I am moving to a different department to give it some change towards my interest!! You are certainly right about asking the company. The worst case is them saying “No”. Again many thanks for your encouragement!!!
you are so down to earth yet live this fabulous life......very refreshing hope i can get there
I love your honesty!
You are the realist, Thank you for this video
This is awesome video and it gives me lots of thoughts. Thanks!
I'm new into your channel and I love your videos
Oh my God, i love the way u told the story. So funnyyyy. I love u so much Sophie. Tq for making videos other than luxury 😘😘😘
This was a fantastic vlog, you should consider doing a series on overcoming debt.
Thank you for sharing! Very informative. I wish I had better spending habits when I was younger too
Great content on a very important subject. When I started college I just happen to get a entry level part-time job in the credit area of a local department store (guess this would be considered a high street store). What I learned there...scared me into learning good credit habits! As I look back, it was one of my best life lessons.
I v just shared this to my son. Think it's words of wisdom for him to listen to. We r all preparing him for uni 2020
Thank you for this story.
The gifs in this video made me laugh so much Sophie !! 😅 I feel so related to this story.. xD I'm happy to say that after your video on budgeting my life has changed for the better and I am at a happier financial place :)
Thank you so much for doing this video xxx
ty so much for doing this ...
I love this video! so down to earth
Good video and well done for sharing your story. Sadly too many people get in that trap.
Thanks Sophie, GREAT video content.
Sophie you’re so inspiring! I recently got fired from my full time job and it’s been a little hard to find my passion but I’m determined to find success thanks to you!