Me, I was afraid too but I’d had enough. I didn’t get it the first time around but finally focusing and re watching videos. My surprise was when my credit score went up 21 points ❤
Thank you for all you do ! And thanks for the videos I’m so excited I started a month and a half ago , went from a cash flow of $107 to now $534 . So thank you 🙏
This is mind-blowing! The knowledge and insight you're sharing is priceless! I can't express my gratitude! 🙏🏼 I'm going to finally get out of debt applying what you have shared. I thank you from the bottom of my heart!
You are probably the most sincere & authentic financial helper on UA-cam. I can say that I, as well as many others appreciate your videos. Numbers don’t lie & velocity banking is for real. It’s definitely not for the lazy though. Great vid. Thank you again!
I started applying this concept not to the fullests yet but with the small steps I have takes, my credit scores is going up and the credit limit on my credit cards are increasing too I guess I’m doing something right. 🎉❤
I spent awhile just getting used to thinking of my credit card as my bank account. Just start small until you feel comfortable with it, now im paying off my car payment this year with 4 years left on the note
Christy, thank you for educating those of us who have had it with being in debt and struggling. Velocity banking works! I'll be debt free in just 7 more months!
I tried to look into the Money Max but when the rep told me I had to pay upfront $2K to get started I didn't bother to continue. I don't even have that as cashflow. So I waited months to finally get my score up and get approved for a PLOC. Unfortunately I could only get approved for $500 - but than nothing to get started for now.
I’m not in debt at all and I’m working on raising my credit score with my credit card and rent (I use flex because they report it), I doubt I’d get approved for any more than you did, but baby steps at first is better than nothing!
I’ve been watching your channel for several months and I have finally started implementing your strategy late December. I hoping to see some progress by June July. I’ve tried other programs which it made me feel guilty even if I bought a candy bar. Already my debt stress is has lessen. Can’t wait to share my updates
I was afraid too! And if I was not broke I thought I was pretty close to it! I have been going over and over the numbers because I was afraid I was going to mess up the finances! I went through all of your videos and still do! I finally got a PLOC and now am ready to do this!🙏🏽🙏🏽🙏🏽
Hey Christy What about seniors on a fixed pension a mortgage to pay and credit card debt Very difficult to survive and in negative cash flow Would like to connect with you and help me out Thanks
Hello Christy. Can you please make a video on using a Karl's mortgage calculator? Showing how to add the extra chunks to figure out how much one can save in interest. Thanks!
Hello I have been trying to find the Heloc line of credit that you have been showing where you can borrow from yourself and get out of debt. Can you tell me where to look?
Hey Vann ❤!! What about hairstylists/ barbers and those in the service- industry who have fluctuating income? What do you suggest for paying off debt? Or do you already have a video on a fluctuating income?
Hey Christy What about seniors on a fixed pension and having a mortgage and credit card debt with a negative cash flow and nowhere to go I would like to connect with you personally let me know how Thanks
@michael Karl's Mortgage Calculator? App on IPhone ... OR ... the Velocity Calculator pinned in the VANNtastic FB Private Group?facebook.com/share/g/15e1pCELiQ/
@eric Thank you for inquiring. The conditions are still extremely sad for the residents that were hit. VERY little has been done to get their properties (if they have one left) back into working condition. We used every bit of the funds for the locals having heat, portable stoves, clothing, etc. I can no longer access the fund to update with pics for, but all funds have been sent out and used. Please check the private Facebook group.
@ Thank you for the update and God bless everyone affected. I’ll continue to pray for our neighbors to help anyway they can. Thank you and God bless you. 🙏🏻
Trump may get us 10% interest rate on our current credit cards. If it happens could you please do a video to show us how to calculate that? I know 10% is easy but I get a little confused about annual vs daily. Very happy to hear that it may happen. Thanks!
10K Credit Card Maxed Out @ 10% Annual. 10,000.00 x .10 (10%)= 1,000.00 That's how much the Credit Card Company would charge you in interest (1,000.00) if you left the balance at 10,000.00 for the whole year. 1,000.00 ÷ 12 (Months) = 83.3333 (Your Monthly Rate) 83.33 ÷ 30 = 2.7777 (Daily Rate) Quick calculation to show you your monthly interest rate: 10,000 × .10 (10%) ÷ 12 (Months) = 83.3333 Sorry it's long winded, hope it helps.
When you pull off your credit lines do you get charged fees? For instance, if I pull money off my 16k credit card and apply it to my mortgage there's a fee to cash that out. Is there away around that?
You should not be forcing VB with a horrible debt tool (LOC). Your ideal LOC should have no fees to move money, have the lowest interest possible, be able to place your entire income on the debt tool. Have a great day.
@@VanntasticFinancesI’m Canadian and we get charge on PLOC since it’s consider cash advance specially if I don’t pay off the amount right away. I wonder if VB only works for Americans
@@SamJone2024 I have spoken with many Canadians that are using VB. Go to my FB Private Group ...there is an Canadian chat you can join... facebook.com/share/g/15YfJAjXkG/
I NEED help. I’m Disabled. And limited. It’s a catch 22 for us how had lost things in life , early on. Due to not my doing. Couldn’t return to work. Id get to a point, then have to use credit just to strive. My 2 children came first, raised them as single disabled mom with no help. I’m now 66 yrs old just needing to finally get out from under a mountain. The govt m. Keeps you where you just cant help yourself.
I’m assuming pay credit cards first, then loans, then mortgage, then save? With only $400 cash flow I’m afraid it will take 15 months just to pay $6000 and that doesn’t even include interest. Then I have another 20k in credit cards to tackle, then 20k in loans, then car payment I’m afraid it will be decades before I get to the mortgage. Yes cash flow will increase as I pay things off, but dang my situation feels slower than all these examples you’re showing. I already put living expenses on credit cards and meet that minimum payment that way. I have a PLOC with the high interest credit cards on there. Spending out of that too. Sigh…
No. You're paying them as they are due. The only difference is that by passing them through a credit card (that had a balance) you meet minimum payment and lower average daily balance.
@stephen I appreciate you! But we’re too blessed to be stressed with miserable people that need to be pulling the plank out of their own eye. 😁 Have a great day!
This knowledge is gold! It really works folks. I’m doing it right now! I will pay off my mortgage in five years with this program!
That’s amazing! I plan to do that when I get my mortgage as well.
Me, I was afraid too but I’d had enough. I didn’t get it the first time around but finally focusing and re watching videos. My surprise was when my credit score went up 21 points ❤
@naty AWESOME!!
How long have you been doing this?
Thank you for all you do ! And thanks for the videos I’m so excited I started a month and a half ago , went from a cash flow of $107 to now $534 . So thank you 🙏
This is mind-blowing! The knowledge and insight you're sharing is priceless! I can't express my gratitude! 🙏🏼 I'm going to finally get out of debt applying what you have shared. I thank you from the bottom of my heart!
@logan So thankful it was helpful to you! It is my pleasure to share...
You are probably the most sincere & authentic financial helper on UA-cam. I can say that I, as well as many others appreciate your videos. Numbers don’t lie & velocity banking is for real. It’s definitely not for the lazy though. Great vid. Thank you again!
@jason I appreciate you!
I started applying this concept not to the fullests yet but with the small steps I have takes, my credit scores is going up and the credit limit on my credit cards are increasing too I guess I’m doing something right. 🎉❤
I spent awhile just getting used to thinking of my credit card as my bank account. Just start small until you feel comfortable with it, now im paying off my car payment this year with 4 years left on the note
@mj482 SO HAPPY FOR YOU!!!
Christy, thank you for educating those of us who have had it with being in debt and struggling. Velocity banking works! I'll be debt free in just 7 more months!
I tried to look into the Money Max but when the rep told me I had to pay upfront $2K to get started I didn't bother to continue. I don't even have that as cashflow. So I waited months to finally get my score up and get approved for a PLOC. Unfortunately I could only get approved for $500 - but than nothing to get started for now.
I’m not in debt at all and I’m working on raising my credit score with my credit card and rent (I use flex because they report it), I doubt I’d get approved for any more than you did, but baby steps at first is better than nothing!
@saint_k I sure would like to know your representative?? I better NOT find out that was one of mine! That's ridiculous. PLEASE LET ME KNOW...
I’ve been watching your channel for several months and I have finally started implementing your strategy late December. I hoping to see some progress by June July. I’ve tried other programs which it made me feel guilty even if I bought a candy bar. Already my debt stress is has lessen. Can’t wait to share my updates
Christy is fired up today no nonsense 😳😅
Christy I’m so thankful you are teaching this I am doing my best to learn I want to be an amazing success story!
I was afraid too! And if I was not broke I thought I was pretty close to it! I have been going over and over the numbers because I was afraid I was going to mess up the finances! I went through all of your videos and still do! I finally got a PLOC and now am ready to do this!🙏🏽🙏🏽🙏🏽
Yesss I love this
Do you plan to have a video of what to do after you get out of debt. 😅
Lots of great information ❤😁 God Bless You 🙏🙏👍👍 thank you. !!!!!
Hey Christy
What about seniors on a fixed pension a mortgage to pay and credit card debt Very difficult to survive and in negative cash flow
Would like to connect with you and help me out
Thanks
Blessings 🎉
Yes ~ You are correct. Chase and Bank of America cut my credit limits.
Hello Christy. Can you please make a video on using a Karl's mortgage calculator? Showing how to add the extra chunks to figure out how much one can save in interest. Thanks!
Hello I have been trying to find the Heloc line of credit that you have been showing where you can borrow from yourself and get out of debt. Can you tell me where to look?
Good morning! Great video to wake up to. I want to seek out a LOC. Where do we look for PLOCs? Banks, credit unions, etc?
Most banks/credit unions have some form of REVOLVING LINES OF CREDIT
Check you local banks and shop around for the best rates.
Hey Vann ❤!! What about hairstylists/ barbers and those in the service- industry who have fluctuating income? What do you suggest for paying off debt? Or do you already have a video on a fluctuating income?
@michelle Look under PLAYLIST…
Hey Christy
What about seniors on a fixed pension and having a mortgage and credit card debt with a negative cash flow and nowhere to go
I would like to connect with you personally let me know how
Thanks
Tell em Vann 😃
My bank doesn’t offer a PLOC. Any recommendations?
So I need to get my credit up to get an Revolving LOC and then go from there.. I wish I knew this when I bought my house.
Christy, where do I go to get your calculator, I want to run my numbers?
@michael Karl's Mortgage Calculator? App on IPhone ... OR ... the Velocity Calculator pinned in the VANNtastic FB Private Group?facebook.com/share/g/15e1pCELiQ/
Saving up to get your help one on one... Lord's willing 🙏
Hi Christy ! Any updates on the Go Fund me progress and How is your area surviving?
@eric Thank you for inquiring. The conditions are still extremely sad for the residents that were hit. VERY little has been done to get their properties (if they have one left) back into working condition. We used every bit of the funds for the locals having heat, portable stoves, clothing, etc. I can no longer access the fund to update with pics for, but all funds have been sent out and used. Please check the private Facebook group.
@ Thank you for the update and God bless everyone affected. I’ll continue to pray for our neighbors to help anyway they can. Thank you and God bless you. 🙏🏻
Trump may get us 10% interest rate on our current credit cards. If it happens could you please do a video to show us how to calculate that? I know 10% is easy but I get a little confused about annual vs daily. Very happy to hear that it may happen. Thanks!
10K Credit Card Maxed Out @ 10% Annual.
10,000.00 x .10 (10%)= 1,000.00
That's how much the Credit Card Company would charge you in interest (1,000.00) if you left the balance at 10,000.00 for the whole year.
1,000.00 ÷ 12 (Months) = 83.3333 (Your Monthly Rate)
83.33 ÷ 30 = 2.7777 (Daily Rate)
Quick calculation to show you your monthly interest rate:
10,000 × .10 (10%) ÷ 12 (Months) = 83.3333
Sorry it's long winded, hope it helps.
@susie370 I forgot to tag you into your question. Sent you an answer to your question
When you pull off your credit lines do you get charged fees? For instance, if I pull money off my 16k credit card and apply it to my mortgage there's a fee to cash that out. Is there away around that?
You should not be forcing VB with a horrible debt tool (LOC). Your ideal LOC should have no fees to move money, have the lowest interest possible, be able to place your entire income on the debt tool. Have a great day.
For interest ideally you want it to be under 10%. That doesn't mean you can't or shouldn't use any line over 10%. Just ideally.
NO You should not be charged any fees for taking a withdrawal from a Line of Credit.
@@VanntasticFinancesI’m Canadian and we get charge on PLOC since it’s consider cash advance specially if I don’t pay off the amount right away. I wonder if VB only works for Americans
@@SamJone2024 I have spoken with many Canadians that are using VB. Go to my FB Private Group ...there is an Canadian chat you can join... facebook.com/share/g/15YfJAjXkG/
Like my pastor says “broke bound and in the background!”
Hi. Why is 3% mortgage really 60%? need to look this up
I NEED help. I’m Disabled. And limited. It’s a catch 22 for us how had lost things in life , early on. Due to not my doing. Couldn’t return to work. Id get to a point, then have to use credit just to strive. My 2 children came first, raised them as single disabled mom with no help. I’m now 66 yrs old just needing to finally get out from under a mountain. The govt m. Keeps you where you just cant help yourself.
I am in Ireland. Is there a similar system tthat will work here?
I’m assuming pay credit cards first, then loans, then mortgage, then save? With only $400 cash flow I’m afraid it will take 15 months just to pay $6000 and that doesn’t even include interest. Then I have another 20k in credit cards to tackle, then 20k in loans, then car payment I’m afraid it will be decades before I get to the mortgage. Yes cash flow will increase as I pay things off, but dang my situation feels slower than all these examples you’re showing. I already put living expenses on credit cards and meet that minimum payment that way. I have a PLOC with the high interest credit cards on there. Spending out of that too. Sigh…
Doesn’t that mean you are paying your expenses a month behind due to putting them on credit?
@Midnightrainbow 🤔 I don't understand the question.
No. You're paying them as they are due. The only difference is that by passing them through a credit card (that had a balance) you meet minimum payment and lower average daily balance.
I opt out of sub bureaus so I don’t receive those ridiculous offers 😂
I got a loan offer the other day for about $4k with 89% APR. You read that right. 89% not 8.9%
What?! Wow!
They tried it 😮
Is it worth it to buy the money Max to pay off the last 12 remaining years of the mortgage?
@building I wouldn’t think so. You have paid most of the interest
You repeat yourself. Don’t be boring. “Life happens. Life happens. Life happens.” Listen to yourself.
“Get me out of debt. Get me out of debt.” Every sentence you say you say 10 times! Yikes.
Ohhhh...I'm getting big time scammer vibes from this lady...you don't get out of debt by getting into more debt...smh
@thriftybudget Keep watching....the confusion will clear. Have a great week!
THESE NEGATIVE NELEYS, ARE JEALOUS, OF YOUR COMMON SENSE, EXPLANATION ON HOW TO GET OUT OF DEBT, AND YOUR BEAUTY❤.
@stephen I appreciate you! But we’re too blessed to be stressed with miserable people that need to be pulling the plank out of their own eye. 😁 Have a great day!