HOW TO PAY OFF CREDIT CARD DEBT FAST - no snowball & keep your credit card || THE SUNDAY STYLIST
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- Опубліковано 29 кві 2021
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Ok I have been promising to make this video for the longest time and my deadline to myself to have it up was April so here we go!!! PSA don’t watch this video if you are offended by common sense, brutal honesty and the word sh!t (I said it twice and if you’re coming here to complain about it go back and watch the video again and take away the intended message) 💩 This video isn’t on my usual content topics but on every budgeting and saving video I’ve made I’ve had loads of questions and requests for advice on what to do if you’ve got debt to take care of first so I’m sharing what’s worked really well for me in the past and that I am also implementing myself over the next six months to nail my own financial freedom goals in full once and for all!!!
This is the kind of thing they should teach in highschool. Many teens/young twenties get in debts with students loans and credit cards when they start post secondary studies. Unfortunately many carry those debts until they are in their thirties or forthies 😕
This is way more valuable to teach than some of the other garbage I had to learn back in the day - even now kids aren’t taught the basics of how to set up a budget or savings plan - crazy!!!
@@TheSundayStylist no, nothing of the sort still. I am dumbfounded how we regressed on that. Home economics of the 50s were more valuable then some topics we have now. Also, I'd really like teens to have how to do a resume/CV and to present themself on their first interview. And CPR.
The “no 💩 Sherlock” made me spit my coffee. So true. Had a good giggle! Thank you! 💙
Fantastic video. I always enjoy listening to you x I’ve worked out a plan this evening on excel! Not a massive amount to pay, but one card will take 11 years to pay off with minimum payment! That is changing this month!
Debt is one of the biggest stressors so anything you can do to address this is only going to help mental health. As you say, it’s all well and good saying don’t do it, but there are real life emergencies that people have to deal with. Budgeting, being honest with yourself, making a plan, talking with your bank are all the best things you can do. Try not to be overwhelmed by the magnitude of what you have to accomplish but focus on the rewards both financial and emotional that will come with each step towards your goal. Best of luck everyone x
You are an inspiration. As an independent woman, Could you please make a video about how to make money? How to become independent?
Yes that is on the schedule for next month as the ‘money focus topic’ I started talking about it in this video but it just went wayyyy too long!!!
@@TheSundayStylist Can't wait for it !!!Thank you for all your videos ! You are a true inspiration!
I'm not in bad debt but I just love watching your videos! The only debt I'm in is my $120K home loan for the property I bought when I was 19. Had a bit of help from my parents but the best thing they ever did was teach me good financial skills.
That is so real! When I was married I was always in debt but as soon as I was alone again and took care of my own finances it all became so easier and was debt free in like a year maybe
Ha... well.. I'm glad it was only a year.. sounds like your m8 was a bit a of a shoppin' kweer. :-)
I’m really looking forward to this series as debt is my biggest reason for not sleeping at night. Mine also started with ex’s please ladies learn from this. Men are very convincing when you are in love, see how fast they run when they are asked to repay.
We had 3 bank accounts mine, his and joined. The joined was obviously to pay the bills : rent, phone, electricity... Until I found out he was spending the money left in the joined as his. Everyday coffee at the shop... I ended up paying for those and the extra fees that were charged on my checking account (not married anymore)
So true! My ex is where most of my debt also came from, about 80% of what I currently owe😬
@@LydiaR418 😳😳😳
This is all so sad and yet I'm here laughing at the audacity
PREACH!
I use my cc for all purchases but it gets paid in full every month. So I pay 0 interest and get all the points. It's taken a while to get to this.
Budgeting is key. I increased my income as much as I could, reduced expenses as much as possible but still have a bit of fun money.
I still have a mortgage to get rid of.
Your strategy works! I have been debt free for years! Everything is paid off! Life is so much easier when you keep your eyes simple! Love from NJ Xoxo
THANK YOU!!!! Sooooo refreshing to hear real talk that isn’t judgmental or cynical and financial advice about debt that doesn’t suck up Dave Ramsey’s bullshit.
I think that was the guy who made the comment 'don't get into debt in the first place' 😆 I just like no-nonsense and no-ego advice that's plain English and easy to implement!!!
@@TheSundayStylistHe literally declared bankruptcy in his early years so all I hear is pot calling the kettle black. He has no empathy for others who get into the same situation.
Putting my accounts in one of those debt payoff things is what made me start paying off debt. I thought $50-$100 a month was a deal. Not for 50 years, and that’s if I stopped using it! 😳 this is way more beneficial than “don’t get any debt”! Again, thank you!
Yes! Those debt payoff calculators helps you figure out what you need to do to payoff debt in the timeline YOU want, and if you need to take on another debt you can know how much you are able to take on in order to pay it off quickly. This is what I did when we had a car payment and had to buy a second car. Three years later own both cars in full!
Loved this. I did the spreadsheet thing.. 1 loan and 2 maxed credit cards 3 years later... now I am debt free.
I really needed this today. I have 4 credit cards and use only one. At the end of this year I will have two. One for airline miles and the other for cash back. I do not like to carry a balance. Those sale items are always paid for in cash otherwise its just dumb. I concentrate on things that enhance my life now. Its all different since covid. ❤❤
I love how you are so honest and transparent.
Ive had similar experiences to you and have been pledging to be debt free for years. I’ve really started to focus on this now and although I’ve got a long way to go, I’ve cleared more in the last 4 months than I have in the last 10 years. Nice to be reminded that they are plenty of us having to do the same. I won’t be making the same mistakes again that’s for sure!
Ahhh I am the same I wish I had been as disciplined in my twenties/thirties as I am now!!! Beauty of age I guess haha thanks for watching 💫❤🙌
I am debt free. I can tell you , one of the most important things anyone should do is know how each other is with money in a relationship. My late husband and I had the same money mind set (thank goodness). My last boyfriend was horrible with his money. My current relationship, thankfully he and I have the same money mind set. Don't pay the minimum on credit cards. Pay as much as you possibly can. Paying just the minimum will get you no where.
Incredible! Wish I had known all this in my twenties and thirties. Thanks Aniess!
This is the first video that I've seen with ACTUAL information to bring down debt, and believe me I've seen many (and paid for most!!). My one issue is, I've tried selling things but just can't seem to sell anything. If you have time, would you be able to do a lesson or guide on how to sell online? I've tried so many websites and just get nothing, and I'm sure it's because I'm doing something wrong. But seriously, thank you so much, this was extremely helpful (and I'm only halfway through!)!!
Sure thing I will definitely include this in a video I think the most important thing I would suggest is to make sure your photos are the best you can possibly take with the items looking as nice as possible - as if it were an add in a catalogue 🙌
I’ve sold half of my 2 closets full of clothes on EBay, And paid off 2 of my high interest CC’s. I’ve also learned to budget our household groceries... Which was absolutely ridiculous !!!
My husband is a “mid” depression Era person ( lol) so he would do the shopping !!!! NOT anymore, I do it !!
I love this video.
Thanks❤️
Isn't it funny the traits partners can have!!! I definitely could sell half of my closet these days too 💫🙌 thanks for watching!!
Great video as always! Another interesting figure to note when you're looking at how many years it will take to pay off debt at the established minimum monthly payments is to also look at how much in total you will have paid at the end. The debt, for instance, may have started at $500 but may end up much greater than that as interest accrues while the debt is being paid in the minimum monthly payments. Debt-free is very liberating!
boy oh boy, am I hooked on your videos! why doesnt this video have more likes & views Its phenomenal! thank you so much for all that wisdom and straight talk!! golden - so valuable
Thank you so much for sharing!!! Love having it broken down and explained thoroughly
I looove when you give life advice! You get me so inspired and excited about life ❤️ Thank you for making this.
Ahhh thanks so much I LOVE making these types of videos but I always think no-one will be interested to watch/listen...I think I need to just make more of them as they are the kind of content that can actually add value to your life long term - more than just making videos of me cleaning my house in fast forward anyway 😅
I love how you say it’s like a diet. I’ve never had a credit card because they scare me but I love the ideas of the benefits. Maybe one day when I’m Rich 😆😆
Noooooooo!!!! Honestly if you've managed without one so far you are probably better off staying that way - I've only found one card that has a decent rewards program and you have to be able to repay in full within the interest free period -55 days or the interest charged ends up being more than the rewards you would earn 💫🙌
Hi there .what a super video.👍🏻great advice ,luckily I’m now debt free and have been for some years now ,I’ve had a partner who left me with some debt and a 2year old child it was the lowest I’ve felt in my whole life but you can get to the point with no debts so please don’t just think it’s going to go away .tell the bank ,gas electric or whoever that you need help to pay the debt a lot of the time they will help sort out a plan that will help you to get back on track .hope this helps someone out there .👍🏻
Haven't watched your videos for ages and now I'm binge watching!! 😍😘
Thank you for sharing . I’m like you have been in various situations regarding debt in my life but no longer in debt . But I really enjoyed this video , I love that you are willing to improve your situation positively and also we can see you genuinely want to help your viewers and it’s not just another what UA-cam video shall I put out next for content like I’ve see others do . You absolutely deserve to do well in your future and I’m sure you will .👍🏻💛🇬🇧
Dear, hello from Europe, I am watching your videos for a year by now, and they are great motivation! Looks like we got the same troubbles arround the world. I´m doing the 21 days challenge and I started with the dept plan right now. If nothing else, I feel not so lonely with my struggles now...All the best!
Ahhh thanks so much for joining in with the challenge - and all the best to get that debt paid off!!!
Great video. Looking forward to the follow up. Thanks 😊
Very helpful. Looking forward to this journey. 😊
These are my favourite videos. Such good advices for how to managed your life
Honest and informational for those who are in debt.
Appreciate yr practical and realistic approach to this topic .. also the various ways suggested to implement what cld suit each situation..thanks for sharing..a much needed..moving fwd.. no judgment..helpful vid 😁
Fantastic tips, Thankyou!
Yes, the stuff. I decided to stop giving to charity and friends. Hey, I'm charity! I need that money too. I hope I'll make the best of my situation this year.
And what you said about calling the bank, people don't always know they can call phone/internet/cable company to have a better deal for cheaper. Any actions count and add up.
Eventhough I have no toxic debt I still watched and got some tips regarding boosting my savings faster.
You're doing a wonderful job looking after your finances and your Family Aniess.
This is a wonderful set of invaluable tips! Financial stability is absolutely everything in life 💜 Thank you for such great insight (by the way, I noticed the crows that you mentioned in your last video!) didn’t take away from it though, just funny that I noticed it right after you mentioned it 😭
I really liked this. thank you. Financial literary is very important especially for women.
It really is! And it's something that needs to be taught in school!!! thanks for watching 💫❤🙌
What a helpful and inspiring video! Lots of love and admiration from Greece !
So well explained. You also took the time to explain it all comprehensively. Awesome!!!
Another great video, you never know what is around the corner best to be prepared so that whilst you are coping with the drama you don’t have to worry about money. I pray everyone who watches this makes one small change to make their situation more stable or have less worry.
Having the ability to be able to provide for yourself and your family will never keep you awake at night, but not being able to do that will. X
100% I don't ever want to have to worry about where's the next bill payment coming from or counting down the days to payday when I have kids...just wish this was taught in schools so I could have started saving back when I first started working - I'd be well and truly retired by now!!!
I have a lot saved for retirement but have lately been on a journey to be completely debt free except for my mortgage and to build a savings that covers me for 6 months should anything unforeseen happen. I just have a little bit of student debt and a small balance left on a credit card and have enough to live off of for about two months! Thanks for the inspiration to continue this journey. Debt is a bitter pill to swallow every single morning and getting rid of it is a great feeling!
I just wish they taught these things earlier in life in school for example - not everyone has great role models for parents to learn from ...thanks for watching!!! 💫❤🙌
I used to be so budget friedntky and since we have had kids omg I can’t get in control of my finances it’s not outrageous but it’s not good! I will go back to your budget video! Thank you!
Hi I am now credit card debt free and it’s great. I now only have contracted debt that is 0% interest and will be fully paid up by November. I am only 24 and now have no credit card debt. From the uk where I’m doing a degree apprenticeship where you get a degree and a salary. Which means no student debt. You guys can do it x
That is so awesome and my only advice would be to stay that way 😅♥️🙌🏻
Great video! I totally agree there should be more money education in schools!
Am looking forward to following your journey!
Sending encouraging vibes from Scotland! 🏴
Definitely should be taught in schools!!! thanks for watching 💫❤🙌
Excellent advice! 🙌🏻 No credit card or CC debt here but you have still given me a lot of food for thought for other financial areas of life. Thank you 😊
Glad it was helpful! I'm working as hard as possible to get all debt cleared off in full ASAP so I can save a big enough deposit to buy a place 💫🙌
@@TheSundayStylist You go girl 🙌🏻. Good luck to you 😁
Oooo we're the same age ☺️
Thanks for another great video 🌸🌱👍🏼
Thank you soooo much... another very informative video. Love this
I can't wait to do a follow up video on this - I had it planned for this month but we are moving house so it will be in November - keep an eye out!!!
Very interesting 🤔 I have no debt but I’ll pass this on.
I was wondering, could you do an update to this video if you have the time anytime soon? I found this video extremely motivating and realistic and would appreciate more advice from you! Lots of love from Romania!
Thank you for your video :)
Hi, We had been paying the minimum amount on our credit card, $180 a month, until I looked at the credit card statements, and realised the interest and charges actually came to $250 a month. SO that is the amount we are now paying per month. So at least that debt is not getting bigger.
Excellent vid! I love how you just keep it 100% - didn’t mind the swearing at all 😂 I hope the credit card method works for you. I tried this with one of my cards but it ended up costing me more in surcharges, fees and cash advance interest every month. My credit card does not consider utilities and bills as typical purchases so they charged cash advance interest straight away until i paid it all in full. Personally for me it wasn’t worth it. Trying to work everything into the statement period and the actual due date was a nightmare initially too 😅 Can not wait to see how you get on with this and your updates. I would definitely love to give this method another go but with my everyday purchases and living expenses.
Yes that is definitely something to consider in Aus certain bills are not able to be paid using cc like rent utilities bills so I just budget to pay these from savings account anything like petrol groceries insurance school fees clothes etc all goes onto cc and then I put all $$$ left after ‘cash only’ items are paid xxx
God bless your heart, these videos move me into action.
Could you please add a playlist on your dashboard for the budgeting videos? This way we can find them right away, and follow your progress as well.
Yes I will add a seperate playlist for the finance related for sure xxx
Love it when you rant 😹😹😹
Brilliant video full of really practical advice. I love your "no nonsense" approach and that you tell it like it is. Your content is awesome x
For some reason I can't find any more of your videos about your debt payoff. Are you able to link them here or do you have a playlist? I enjoyed your No Nonsense attitude here and and I appreciate learning from a young person!
Just watched your video. I love the good advice. Did your plan worked to pay off your credit card debt? Did you achieve your goal on paying your debt is 6 months? A video update would be great. Take care Lady.
Yes you said it right Toxic debt
Great video
We use our credit card like a debit card. We only buy what we can afford and pay off in full every month. But the points and credit score help are an added bonus
Exactly!! It's kust about having the common sense / will power to use it only like that 😊
Petition your schools to add financial literacy classes at the very least as electives. Back in the dark ages we were required to take Consumer Economics. The BEST class for a high school senior ever. My 13yo is taking career exploration and money management as an elective in 7th grade! Fantastic financial conversations are happening in our house!
I used to have 23k in debt. I am down to 6k on a straight loan rather than revolving. It was foolishness and for years I didn't see the l problem. At some point I would like to retire and not still be paying off dinners and junk I bought a decade ago. The one point I don't agree with is closing accounts. I have the cards, if I start to lean on them again too hard,, I will cut them up. I will not close them. I live in the US and if I close the account my debt/available credit sinks like a stone. If I close it I lose decades of longevity on the credit history. I have worked my butt off to raise my FICO score..Credit history, debt ratio, and payment history are what determines FICO scores. Renting Apts, finance APR and even some job employment depends on a high FICO. Really investigate before shutting it down.
Once apon a time and I am dating myself on this one, stores allowed "layaway" it was a way to get what you needed or wanted , BUT the items were paid in full before they left the store. It cost little to no money. Now, people can swipe their life away in a handful of swipes. The credit card puts a GPS on the buyer until it is paid off. The cc companies are getting fat on the interest alone.
You should make a video on 60:30:10 ratio. So it’s easy for the viewers to follow a guideline for budgeting. It allows them to spend some money on themselves but in limit
"Don't get into debt in the first place" is like saying "you've got no reason to feel sad" - well I AM in debt, that advice does not help me one iota. And on that note, I think it's my experience with debt that has taught me the lessons I know now. Debt is NOT ALWAYS BAD. It teaches discipline and obligation but probably most importantly provides the gift of time. If you have to borrow money to buy a new car because your current one has died, borrowing money allows you to get on with life now as opposed to saving for however many months/years (no problem if that's what you honestly prefer doing though)
Just re-watched this as I’m trying to budget, the cost of living is so much these days. Did you end up paying off your credit card in 6 months? I couldn’t find if you made an update video. Can I please request a video on cost of living/ budgeting as a single mum in Australia in 2023? Everything is so expensive!
Im currently following Dave Ramseys famous Debt Snowball which is Baby Step 2 from his book The Total Money Makeover and its the simplest way and quickest for me.Some of his advice I take with a pinch of salt as he's American and I'm UK.
Yes I have watched a few of his podcast style videos but as you said they are very US focused - just depends on your individual situation the thing is to find something that works for you and consistently stick with it till you’re debt free!!!
@@TheSundayStylist that's the plan and by doing so we will have £1000 per month to start saving for our house deposit instead of Debt! I think your Money/Budgeting content would be good as a podcast I love your straight talking approach.I listen to the Dave Ramsey ones whilst doing my cleaning.x
Velocity Banking I think works the best for credit cards.
Very wise pretty lady.💕👏
Thank you kindly!!! and thanks for watching 💫❤🙌
I can't find any followup videos from this. Did you make any updated videos?
Did you do a follow up video?
I put mine in the freezer , it did help. i wasnt going to thaw it just for frivolous stuff
I have heard that tip too 👍🏻♥️ I’m still going on my last one 🥵😱
Great tips! Boy, I can really hear the crows today!! Yikes!! 😖
Oh yes and this is with about twenty minutes of crow noise edited out (along with a few extra crow induced curse words from me arrrrrrkkk) 😅😩🙌
@@TheSundayStylist I didn't realise it was this bad until today. 😬
@@Poppy- love the background sounds. It’s just enough. 😁
The video is really great, but it is just very hard to watch, because there is a commercial break every 3 minutes...
You Tube Premium 12.99 per month. No commercials. It is so worth it.
Girl I need some
Visuals because I’m having a hard time following your repayment method. Are you talking about velocity banking or borrowing with a HELOC or credit card?
Do you mean how I said I use my credit card that I am focusing on paying off to pay for all my essential expenses and put as much of my earnings onto that credit card every pay cycle? It's so the money that's going in reduces the overall balance that interest is being charged on and the new charges usually have minimum 55 days interest free. Just make sure you are putting in more than you are paying off each month (obviously) and then try and get your credit limit reduced each time you pay off $500 or $1000 (depending on your credit limit!) so you don't end up back in credit debt 🌞
Hey, did you do the pay off video after 6 months? I cannot find it :(
Did it work?
at 26:00 you stated that there are scripted lines that you can say to approach your bank in reducing interest, can you point us as to where these scripts are?
Google this “what to ask to reduce your credit card interest rate script” or something similar The Barefoot Investor also publishes a word for word script for this and other services eg insurance you can apply similar to utilities etc 👍🏻
I called American express and ask them for help, they said no! I will never use them again once my balance is paid off.
Oh wow I have an AMEX I went online to their site to search how to close the account next day an offer from them for a Platimum card 😱sneaky rats...27% interest or something ridiculous and $249 annual fee!!!!
my cards tell me this info on my statements
The nature of debt itself is toxic. There is no such thing as good debt.
CVCAaa v.