Thank you for making this video. I can’t wait to watch after my kids in bed. I think so many of us are in debt and we just don’t feel comfortable to speak about it. It’s hard. Love how open you are, it helps others be more open and learn from experience.
this guy on a dating app just told me straight out on first chat the sums he owed in debt (he's going to university). I respected him for that! made me feel like I'm not alone!
@@RLifestyle453 That's awesome!! So much better than some dudes bragging about their money 😂 I also think owning it can help you have a healthy mindset towards it
I’m 205,000 in debt. (140,000 mortgage and 65,000 in student loans) The student loan debt is a huge weight on my shoulders as I feel stuck in my job I hate with a decent salary until I pay them off. My mortgage is less stressful since it’s half the cost I would spend renting.
Yes, you can do this!! Totally understand the weight on your shoulders, it will feel incredible once you pay it off (and maybe switch to a job you enjoy ;) Good luck!!
The fact that you're Canadian makes this 10000% better! I'm in the same journey with similar figures so I'm excited to wath more of your finance videos. Especially if/when you get into investments because it's such a big topic and I don't know how to wade all the information that there is out there yikesss
I don’t know why I felll off for a little, but really enjoy your content and this is me currently I am aggressively paying off debt and making progress. Love your vids
I never clicked quick enough lol! 🤣 I'm almost done work and will be watching this as soon as 5:30 hits or even my last break. I just wanted to comment on the whole debt situation (I'm currently in debt too) it's about give or take 13k mostly from 🏫 and stuff but I've been paying 100s of dollars to pay it so I'm looking forward to having this to look on so I can be inspired and motivated. (So as I was writing this we are taking a break so now I will watch this) thank you so much ❤️
I feel like my student debt is very invisible to me. I feel like I have a privilege and thoughts of debt since i decent amount of money so I can save while I pay of my debt. This system in Norway says it benefits to take long time to pay off student loan since it has a low interest so we are lucky. I am grateful I can make a lot money to save money to bigger ticket items like buy a car and buy a apartment ✨
I wish I was as mindful with my finances in my early 20s as you right now. On the brighter side, I am now in my late 20s and I think I am doing great with how I handle my finances now. It helps that there are content creators such as you who are transparent with their journey in handling their money. Through watching finance-related videos, I get to have an idea how I proceed with mine. You guys set as my example. Handling finances wasn't really taught at school. :\ You kind of learn as you go once you became an adult.
We just paid off $15k in consumer debt last month, and that was such a relief. Have about $9k left to a family member who loaned us money for a house down payment. I don’t like debt, and I want to get rid of them as fast as possible. To me, they hinder the ability to save, and they tend to take up mental space that I could use for other, more positive things.
I think you’re doing great! Keep paying off the car slowly and start adding more to your retirement and savings. (Don’t forget saving for taxes being self employed!)
Would love to hear more about your credit score if your comfortable with that and how paying off student loans and getting a car loan affected it. Thank you!
I do that as well sometimes, I’ll just make the one time payment from my savings without thinking too much 😁😁 Debt can be scary, I actually just went to community college to save money on my education. It took me a little bit longer but I was able to graduate debt free. But it’s true, when you don’t have any debt, you start racking up credit cards(that was definitely me during 2020/2021) but it wasn’t till late ‘21 that I went for the cash envelope method and it helped me get better with my savings! Great video as always, Zoe 🥰
I've recently started paying my student loans and I'm preparing to move out on my own for the first time. What has helped me is cash stuffing/budgeting because I used to be a big Amazon spender, but I've honestly been doing so much better. I also truly appreciate these monthly money/finance videos. It let's me know that it's ok to mess up and try again because I have bad anxiety so thank you for being real and posting these videos. (: Off topic: what camera do you use to film your videos? The quality is great.
Currently working on paying off my line of credit which is currently at $10,000! I have been making consistent payments every month this year so far. I am hoping to have it paid off in the next year. This came from living above my means and buying things I could not afford. Thanks for being real and helping people know they are not alone :)
I hate debt lol. I paid off student debt and car loan long time ago. But i have these home mortgage paid off two weeks ago. I paid it off because we had massive lay off from our company. It scares shit out of me. Now i am free from debt, It feels so good. Paying off debt is always a good idea but make sure you have some cushion so that you feel comfortable.
I don't mind big debt like cars and houses. I fell that is part of life. We recently paid off a lot of credit card debt and have about 10k left which I could pay off now but I want to have 50k in my emergency fund. I have about 10k more to accomplish that.
So true, you can never know how much debt someone has no matter how their lifestyle looks like! I've actually never been in debt. I only own a debit card and I only buy what I can afford. Also I have heard about studen loans a lot of times but that's something that doesn't exist where I live and I'm thankful for that. I admire your transparency and honesty Zoe ❤️
Thanks for sharing!! So interesting that student loans don't exist in Greece, I never knew that! I do know that every country is different with their student loans and some have better repayment systems in place than others. I think Canada's is decent, and Australia has a really good one where your repayment and interest is based on your salary!
wish i had your financial wisdom in my early 20s! i had about 27,000 in student debt from my undergrad degree that just sat there for 7 years!! (as i worked multiple jobs, did 5 years of grad school, and went on expensive holidays). Now a few hundred dollars comes out of my paycheck every month to slowly pay it off but there's a looong way to go. luckily there was no interest but it still hurts 😂i'm loving the idea of a hybrid car too but would settle for any affordable car atm
thank you for sharing!! so cool that the loan was interest free, what country are you in? I deff think the interest I had on the loan (~3%) was motivating yet not overwhelming which is nice. Feel you on the car! We need more new hybrids to be bought, so we can buy em used for less after 😂
@@ZoePritchard I'm in Australia! our student loans are indexed with CPI (so it's only been going up 1-2% per year until recently, the latest increase was 3% cos of the inflation this year). Also we don't have to start paying it off until our earnings reach a certain threshold. I've never been over that number until now ( postgrad 🤗). Glad my compulsory payments get deducted automatically by my employer (normally the case) so i don't have to think about it. Also the more you earn the higher your compulsory repayments
Thank you for sharing your experience. I had to go back and get a student line of credit for grad school, but what you said about it being a huge weight in your shoulders is very relateable. I do want to inform you that one of the down sides of LOC (whether secured or unsecured) is that they can be closed or re-called by the bank. It doesn't happen often from my understanding but it is a possibility.
What you have done is so admirable. It’s so nice to have someone in my age range speaking so openly about money. It helps me, for sure. 40k in under two years is INSANE!
Love these videos so much. Can’t wait to see more!! I’m on mat leave and stressed about money/debt. Your videos help so much. Thank you for being so honest & relatable ♥️
I absolutely love how open you are with debt. Your channel has completely changed my mind set with my debt. I'm no longer scared to see my debt, instead I figure out the best way for me to pay it off :)
I love your transparency and videos Zoey! Your channel will blow up trust me 🖤 I’m staying in my home town and staying debt free but I really wish I had the growing experience of moving away. U went away to school?
I have no debt except my car but my note is $800 and My boyfriend made me leave my job bc my mental health was going down the drain .. now I can’t stop my mind from running and I am taking a leap of faith and pursuing different dreams but some part of me fears this huge debt. I also grew up with the same mindset about debt. Scared the hell out of me :/ thank you for sharing though because it’s reassuring when reading comments that I’m not the only one.
I have 20k in margin debt, costs me about $600/yr in interest that is tax deductible. I could pay it off if/when it makes sense too. As a result, I don’t really think about it much.
Hey LOVE your transparency and honesty. I am like you in the way that debt drives me bananas. My only debt is my mortgage and it’s actually quite lower than most but it’s making me crazy, the only thing that keeps me going is that even with my mortgage and bills it’s still cheaper than rent. But I still hate it lol
Other than my mortgage, (which is only $726 a month), I'm debt free. I haven't used credit cards in over a year. It's wonderful. I don't plan on using credit cards again or taking out personal loans, and since cars are generally depreciating assets, I'm not financing cars again either. At this point I'm more focused on building my career and income.
Zoe thank you for sharing your life and thoughts with us, you are a great inspiration and you are rocking girl !!!!!! I wish always all the best to you and your finances, I realty love this videos and hope really soon you will be receiving the well earn money from UA-cam that you deserve 🥰🥰🥰
Currently have $29k student loan debt from undergrad and about to take on roughly $70k more for nursing graduate school. Makes me pretty nervous to tack on this much more. I’ll be leaving a $85k / year job where I can easily pay the original $29k
If your assets (real estate, cars, investments) exceed your debt, you are on the right track. Then make sure you have cash flow to pay debt and you will not go bankrupt
In my country (Germany) you just don’t take out loans for anything besides cars or a house. But also taking out a car loan isn’t something that is seen as normal or needed. As a culture it just isn’t really accepted here. I‘m a 18 year old girl and have currently a total net worth of 22,067€ without having any debt and owning my own car. Since September 2020 I‘m full-time working in earning my laboratory apprenticeship, which I will complete in July 2024. While my apprenticeship I earn 820€/month after tax with it rising a little bit every year.
I'm very glad that I never had been in dept before. Even the thought scares me so I respect people who get into debt and can make it out quickly again. As a German dept is really looked down upon here. People do everything not to get into it so even buying a house is done after a lot of thinking. I think only 50% of the people here actually own a house or an apartment.
You need to watch DR. He’s also on YT. If you can’t pay a car in cash you can’t afford a car. It’s great to have you share your own personal journey and how you deal with money and hopefully you can help someone else with their debt as well. If you were to go back to yourself in 10 years what advice would you give your younger self about debt/money??!!
Love these videos so much! I am hoping to have added 20K by the end of this year to a home deposit fund. And also have a visa organised to move from Aus to Vancouver to work for the summer next year so I am hoping to also save a bit more for that😅😅😅 and these videos help so much with staying accountable for spending! Hope you are doing well Zoe 💜
I'm glad your mom/parents instilled in you to hate debt. It can be a burden sometimes to always be so caring of your finances but it's much much much more stressful to actually be in debt. And I am not talking about your 5000.00 car note. I'm talking about these poor people who have 100k in school loans and 40k car note and 30k in shopping debt. I think it's great that you have no school loan to pay anymore and I think it's great that you bought a reasonably priced car. I also think you are doing the right thing by building up your emergency fund because the economy is just going to get worse. Your car note is very reasonable and I agree, it would be more beneficial to build up the savings b/4 you pay that off. You are doing a great job with your finances. You will not regret always paying your credit card balances off every month. I can't stand debt either but most people can't pay cash for a car or house. I have always paid my credit cards off every month. It makes life so much easier. Keep up the good work!
Good question! I had thought of doing that, but the difference in interest isn't significant and I like being on the bi-weekly payment plan that is automated through the car loan. :)
@@ZoePritchard okay, that's fair :). I just asked because I actually put my car on a line of credit. It looks better for me because every time I log onto my bank, I see it so I'm not motivated to pay it off.
Hey, I accidentally bumped into your channel and I love it. I am a relatively successful person. I built my career from scratch after landing in Canada at the age of 30. I can help you with some practical advice. I will be in Ottawa on this Sunday until Thursday. Please see if you can come down for a luncheon or dinner meeting. Be positive. I will also learn from you on being minimalist
Thank you for being brutally honest on the internet. I am currently in the process of paying down my student loans. I can definitely relate to the feelings of 'having a dark cloud over your head' when paying off debt and I think that going through this process, especially when the balance owing is $20-30k+, makes you more 'comfortable' with debt later on.
Telling you, sometimes you feel what video we need from you. ))) Remember when you spent more on your puppy than u had planned and u had emergency money for that ? Well, I am going tomorrow as well to check my 13 year old cat, cause he is not feeling good. And I spent the entire evening feeling as shit, cause I will pay for that from my credit card. It means that income I will receive by the end of June will go for credit card loan and not for actual loan, and I feel it as a step back from my debt free journey. I was trying to think positive, like okay yes ur using ur credit card, but u will pay it back exactly in 9 days when salary will come, yes ur not going forward to close ur debt, but at least ur not making it bigger u just will stay one month in one place, not moving, its better than making ur debt even more. I was talking with myself a lot, and honestly, I am the one who got myself into debt so ))) Not making any progress this month, but anyway, not making debt bigger at least ) Blessed enough, having an income to cover credit card bill ) : 3
I can totally relate to those thoughts you are having. Most importantly, I hope everything goes well for your cat ❤️ it's OK if you have a month here and there with "no progress"... like gets in the way, but what's important is that overall you are on the right track! xo
Debt is kind of like your appendix. You’re better off without it, but you can live with it. However, there’s always the risk that it will swell up and become dangerous.
I appreciate the Canadian tire money 💵😂🤍thanks for these videos. I just started my 20’s & uni & it’s definitely scary. Moreover, I just want to buy things 😂 & go out w friends but it’s expensive and at the same time I wanna save
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Love your content! As a guy in my mid 20s its refreshing to see someone be so real and upfront about challenges post uni. You're killing it.
thank you!! so glad you enjoy 😊
Thank you for making this video. I can’t wait to watch after my kids in bed. I think so many of us are in debt and we just don’t feel comfortable to speak about it. It’s hard. Love how open you are, it helps others be more open and learn from experience.
Thank you Sara!! Hope you enjoy watching tonight ❤️
this guy on a dating app just told me straight out on first chat the sums he owed in debt (he's going to university). I respected him for that! made me feel like I'm not alone!
@@RLifestyle453 That's awesome!! So much better than some dudes bragging about their money 😂 I also think owning it can help you have a healthy mindset towards it
I’m 205,000 in debt. (140,000 mortgage and 65,000 in student loans) The student loan debt is a huge weight on my shoulders as I feel stuck in my job I hate with a decent salary until I pay them off. My mortgage is less stressful since it’s half the cost I would spend renting.
good luck! u can do this
Yes, you can do this!! Totally understand the weight on your shoulders, it will feel incredible once you pay it off (and maybe switch to a job you enjoy ;) Good luck!!
The fact that you're Canadian makes this 10000% better! I'm in the same journey with similar figures so I'm excited to wath more of your finance videos. Especially if/when you get into investments because it's such a big topic and I don't know how to wade all the information that there is out there yikesss
These are my favorite videos of yours! Always appreciate your honestly and willingness to be transparent
thank you!!!
I don’t know why I felll off for a little, but really enjoy your content and this is me currently I am aggressively paying off debt and making progress. Love your vids
thank you so much 💖💖💖 congrats on your hard work!!
I never clicked quick enough lol! 🤣 I'm almost done work and will be watching this as soon as 5:30 hits or even my last break. I just wanted to comment on the whole debt situation (I'm currently in debt too) it's about give or take 13k mostly from 🏫 and stuff but I've been paying 100s of dollars to pay it so I'm looking forward to having this to look on so I can be inspired and motivated. (So as I was writing this we are taking a break so now I will watch this) thank you so much ❤️
💖 💖 💖 thank you for commenting so fast! & for sharing your experience. Sounds like you are on a great track to paying it off, congrats!
I feel like my student debt is very invisible to me. I feel like I have a privilege and thoughts of debt since i decent amount of money so I can save while I pay of my debt. This system in Norway says it benefits to take long time to pay off student loan since it has a low interest so we are lucky. I am grateful I can make a lot money to save money to bigger ticket items like buy a car and buy a apartment ✨
I wish I was as mindful with my finances in my early 20s as you right now. On the brighter side, I am now in my late 20s and I think I am doing great with how I handle my finances now. It helps that there are content creators such as you who are transparent with their journey in handling their money. Through watching finance-related videos, I get to have an idea how I proceed with mine. You guys set as my example. Handling finances wasn't really taught at school. :\ You kind of learn as you go once you became an adult.
Good stuff. Your videos bring out different points of view on finances. Your transparency is inspiring.
We just paid off $15k in consumer debt last month, and that was such a relief. Have about $9k left to a family member who loaned us money for a house down payment. I don’t like debt, and I want to get rid of them as fast as possible. To me, they hinder the ability to save, and they tend to take up mental space that I could use for other, more positive things.
Congrats on the 15k! You got this!
Completely feel you! Congrats on paying off that $15k, amazing achievement 🎉🎉
Paying this amount of student loans in this short period of time is INCREDIBLE. Thank you for your transparency Zoe 🥰
thank you Dina 💖💖💖
I think you’re doing great! Keep paying off the car slowly and start adding more to your retirement and savings. (Don’t forget saving for taxes being self employed!)
thank you!! & yes haha taxes are my greatest fear 💀
Love this video!! You have the best personal finance content
aw thank you!!
Can you do an updated savings video? Like where the accounts are at now and your mindset towards what to prioritise etc x
absolutely!!
Would love to hear more about your credit score if your comfortable with that and how paying off student loans and getting a car loan affected it. Thank you!
Ouuu that is a great idea for another video!! I actually have no clue what my credit score is... I'll look into it and do some research :)
I do that as well sometimes, I’ll just make the one time payment from my savings without thinking too much 😁😁
Debt can be scary, I actually just went to community college to save money on my education. It took me a little bit longer but I was able to graduate debt free. But it’s true, when you don’t have any debt, you start racking up credit cards(that was definitely me during 2020/2021) but it wasn’t till late ‘21 that I went for the cash envelope method and it helped me get better with my savings!
Great video as always, Zoe 🥰
I've recently started paying my student loans and I'm preparing to move out on my own for the first time. What has helped me is cash stuffing/budgeting because I used to be a big Amazon spender, but I've honestly been doing so much better. I also truly appreciate these monthly money/finance videos. It let's me know that it's ok to mess up and try again because I have bad anxiety so thank you for being real and posting these videos. (:
Off topic: what camera do you use to film your videos? The quality is great.
Currently working on paying off my line of credit which is currently at $10,000! I have been making consistent payments every month this year so far. I am hoping to have it paid off in the next year. This came from living above my means and buying things I could not afford. Thanks for being real and helping people know they are not alone :)
💖 great job making those payments & keep it up!!!
I hate debt lol. I paid off student debt and car loan long time ago. But i have these home mortgage paid off two weeks ago. I paid it off because we had massive lay off from our company. It scares shit out of me. Now i am free from debt, It feels so good. Paying off debt is always a good idea but make sure you have some cushion so that you feel comfortable.
Totally agree!! Congrats on being debt free 😍
I don't mind big debt like cars and houses. I fell that is part of life. We recently paid off a lot of credit card debt and have about 10k left which I could pay off now but I want to have 50k in my emergency fund. I have about 10k more to accomplish that.
So true, you can never know how much debt someone has no matter how their lifestyle looks like! I've actually never been in debt. I only own a debit card and I only buy what I can afford. Also I have heard about studen loans a lot of times but that's something that doesn't exist where I live and I'm thankful for that. I admire your transparency and honesty Zoe ❤️
Thanks for sharing!! So interesting that student loans don't exist in Greece, I never knew that! I do know that every country is different with their student loans and some have better repayment systems in place than others. I think Canada's is decent, and Australia has a really good one where your repayment and interest is based on your salary!
wish i had your financial wisdom in my early 20s! i had about 27,000 in student debt from my undergrad degree that just sat there for 7 years!! (as i worked multiple jobs, did 5 years of grad school, and went on expensive holidays). Now a few hundred dollars comes out of my paycheck every month to slowly pay it off but there's a looong way to go. luckily there was no interest but it still hurts 😂i'm loving the idea of a hybrid car too but would settle for any affordable car atm
thank you for sharing!! so cool that the loan was interest free, what country are you in? I deff think the interest I had on the loan (~3%) was motivating yet not overwhelming which is nice. Feel you on the car! We need more new hybrids to be bought, so we can buy em used for less after 😂
@@ZoePritchard I'm in Australia! our student loans are indexed with CPI (so it's only been going up 1-2% per year until recently, the latest increase was 3% cos of the inflation this year). Also we don't have to start paying it off until our earnings reach a certain threshold. I've never been over that number until now ( postgrad 🤗). Glad my compulsory payments get deducted automatically by my employer (normally the case) so i don't have to think about it. Also the more you earn the higher your compulsory repayments
Thank you for sharing your experience. I had to go back and get a student line of credit for grad school, but what you said about it being a huge weight in your shoulders is very relateable. I do want to inform you that one of the down sides of LOC (whether secured or unsecured) is that they can be closed or re-called by the bank. It doesn't happen often from my understanding but it is a possibility.
What you have done is so admirable. It’s so nice to have someone in my age range speaking so openly about money. It helps me, for sure. 40k in under two years is INSANE!
Love these videos so much. Can’t wait to see more!! I’m on mat leave and stressed about money/debt. Your videos help so much. Thank you for being so honest & relatable ♥️
zoe uploaded, love island tonight, could today get any better???
truth!!!
to be held in the ranks of love island is truly an honour 🥰🥰🥰
I always appreciate your honesty Zoey when it comes personal finances and mental health, thank you!!💖☺️
that makes me so happy! thank you 💖💖
Random video idea: reacting to some of your old videos about saving money! What tips would you leave, keep, modify, etc for where you are now
OMG such a good idea!! 😍
I absolutely love how open you are with debt. Your channel has completely changed my mind set with my debt. I'm no longer scared to see my debt, instead I figure out the best way for me to pay it off :)
yesssss!! that is so amazing 😍😍😍😍
I love your transparency and videos Zoey! Your channel will blow up trust me 🖤 I’m staying in my home town and staying debt free but I really wish I had the growing experience of moving away. U went away to school?
Aw thank you!! Yes, I moved from Ottawa to Montreal for school then stayed in Montreal once I graduated 😇
Thank u for always being so honest and real!! your videos are so comforting 💕💕
I have no debt except my car but my note is $800 and My boyfriend made me leave my job bc my mental health was going down the drain .. now I can’t stop my mind from running and I am taking a leap of faith and pursuing different dreams but some part of me fears this huge debt. I also grew up with the same mindset about debt. Scared the hell out of me :/ thank you for sharing though because it’s reassuring when reading comments that I’m not the only one.
I have 20k in margin debt, costs me about $600/yr in interest that is tax deductible. I could pay it off if/when it makes sense too. As a result, I don’t really think about it much.
Hey LOVE your transparency and honesty.
I am like you in the way that debt drives me bananas. My only debt is my mortgage and it’s actually quite lower than most but it’s making me crazy, the only thing that keeps me going is that even with my mortgage and bills it’s still cheaper than rent. But I still hate it lol
Love your videos Zoe👍
You are so sweet ❤️
Video idea what you spend in a week
Other than my mortgage, (which is only $726 a month), I'm debt free. I haven't used credit cards in over a year. It's wonderful. I don't plan on using credit cards again or taking out personal loans, and since cars are generally depreciating assets, I'm not financing cars again either. At this point I'm more focused on building my career and income.
Zoe thank you for sharing your life and thoughts with us, you are a great inspiration and you are rocking girl !!!!!! I wish always all the best to you and your finances, I realty love this videos and hope really soon you will be receiving the well earn money from UA-cam that you deserve 🥰🥰🥰
Currently have $29k student loan debt from undergrad and about to take on roughly $70k more for nursing graduate school. Makes me pretty nervous to tack on this much more. I’ll be leaving a $85k / year job where I can easily pay the original $29k
If your assets (real estate, cars, investments) exceed your debt, you are on the right track. Then make sure you have cash flow to pay debt and you will not go bankrupt
On this time with inflation is better to have debt than savings. Why strrugle to pay debt early?
clicked SO fast 💜💜💜
I’m in debt bc of credit cards, car, bank and student loans 😥 $27k. Thinking of just hustling and getting a second job.
Thanks for this video, a lot of transparency and kindness ❤️
Can you suggest us similar videos/girl youtubers who talk about money ?
Best 🥰
Thank you so much ❤️ Check out Carter Sullivan, Personal Finance with Leila, and Aja Dang! x
@@ZoePritchard merci 💕
In my country (Germany) you just don’t take out loans for anything besides cars or a house. But also taking out a car loan isn’t something that is seen as normal or needed.
As a culture it just isn’t really accepted here.
I‘m a 18 year old girl and have currently a total net worth of 22,067€ without having any debt and owning my own car.
Since September 2020 I‘m full-time working in earning my laboratory apprenticeship, which I will complete in July 2024. While my apprenticeship I earn 820€/month after tax with it rising a little bit every year.
incredible 😍 thank you for sharing!
Hi zoe
6% interest rate seems high~
I'm very glad that I never had been in dept before. Even the thought scares me so I respect people who get into debt and can make it out quickly again.
As a German dept is really looked down upon here. People do everything not to get into it so even buying a house is done after a lot of thinking. I think only 50% of the people here actually own a house or an apartment.
I paid off all my cc thanks to covid and everything being closed😂🤓and it feels AMAZING!
wooohoo congrats!! 🎉
You need to watch DR.
He’s also on YT.
If you can’t pay a car in cash you can’t afford a car.
It’s great to have you share your own personal journey and how you deal with money and hopefully you can help someone else with their debt as well.
If you were to go back to yourself in 10 years what advice would you give your younger self about debt/money??!!
Love these videos so much! I am hoping to have added 20K by the end of this year to a home deposit fund. And also have a visa organised to move from Aus to Vancouver to work for the summer next year so I am hoping to also save a bit more for that😅😅😅 and these videos help so much with staying accountable for spending! Hope you are doing well Zoe 💜
I'm glad your mom/parents instilled in you to hate debt. It can be a burden sometimes to always be so caring of your finances but it's much much much more stressful to actually be in debt. And I am not talking about your 5000.00 car note. I'm talking about these poor people who have 100k in school loans and 40k car note and 30k in shopping debt. I think it's great that you have no school loan to pay anymore and I think it's great that you bought a reasonably priced car. I also think you are doing the right thing by building up your emergency fund because the economy is just going to get worse. Your car note is very reasonable and I agree, it would be more beneficial to build up the savings b/4 you pay that off. You are doing a great job with your finances. You will not regret always paying your credit card balances off every month. I can't stand debt either but most people can't pay cash for a car or house. I have always paid my credit cards off every month. It makes life so much easier. Keep up the good work!
Can I ask a question? Why don’t you pay off your car loan with your student line of credit?
Good question! I had thought of doing that, but the difference in interest isn't significant and I like being on the bi-weekly payment plan that is automated through the car loan. :)
@@ZoePritchard okay, that's fair :). I just asked because I actually put my car on a line of credit. It looks better for me because every time I log onto my bank, I see it so I'm not motivated to pay it off.
@@oneofeverything9820 nice!! it's deff a good idea
Hey, I accidentally bumped into your channel and I love it. I am a relatively successful person. I built my career from scratch after landing in Canada at the age of 30. I can help you with some practical advice. I will be in Ottawa on this Sunday until Thursday. Please see if you can come down for a luncheon or dinner meeting. Be positive. I will also learn from you on being minimalist
Thank you for being brutally honest on the internet. I am currently in the process of paying down my student loans. I can definitely relate to the feelings of 'having a dark cloud over your head' when paying off debt and I think that going through this process, especially when the balance owing is $20-30k+, makes you more 'comfortable' with debt later on.
it's a godam ball and chain
mind over matter
keep calm carry on
Telling you, sometimes you feel what video we need from you. ))) Remember when you spent more on your puppy than u had planned and u had emergency money for that ? Well, I am going tomorrow as well to check my 13 year old cat, cause he is not feeling good. And I spent the entire evening feeling as shit, cause I will pay for that from my credit card. It means that income I will receive by the end of June will go for credit card loan and not for actual loan, and I feel it as a step back from my debt free journey. I was trying to think positive, like okay yes ur using ur credit card, but u will pay it back exactly in 9 days when salary will come, yes ur not going forward to close ur debt, but at least ur not making it bigger u just will stay one month in one place, not moving, its better than making ur debt even more. I was talking with myself a lot, and honestly, I am the one who got myself into debt so ))) Not making any progress this month, but anyway, not making debt bigger at least ) Blessed enough, having an income to cover credit card bill ) : 3
I can totally relate to those thoughts you are having. Most importantly, I hope everything goes well for your cat ❤️ it's OK if you have a month here and there with "no progress"... like gets in the way, but what's important is that overall you are on the right track! xo
no debt is "healthy debt"
Debt is kind of like your appendix. You’re better off without it, but you can live with it. However, there’s always the risk that it will swell up and become dangerous.
love this!!
You made me realize I hadn’t paid my paypal bill this month. It’s due today. Phew
I appreciate the Canadian tire money 💵😂🤍thanks for these videos. I just started my 20’s & uni & it’s definitely scary. Moreover, I just want to buy things 😂 & go out w friends but it’s expensive and at the same time I wanna save
the eternal struggle!! 😇
Zoe, first of all..I love watching ur videos. Many greetings from Germany.