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Great video! Too many people are ashamed and it seems credit cards and debt are accepted as just a normal way to live. It's good you mention the suffering is temporary when getting out from under. Keep up the good work.
I love this video. I'm building my credit at the moment with this exact mindset; drop everything and get my debt cleared. I'll be finished by no later than January. I guess I am saying thanks for reaffirming everything I believe and doing at the moment.
Glad you're on your way and pretty soon too! Interesting how we all seek confirmation on something we are already doing even though it's apparently going well already. Human nature I suppose. I do the same.
I never had debt. I just like your videos. They are always very clear and simple. I don't even have student loans... just made jewelry from home and sold them online to cover school expenses. It took me 7 years to finish but I'm proud to say I never had student loan debt.
I really appreciate you watching even though you certainly do not need to pay off any debt. I assume you're like, what the heck, I'll watch... =D Wow, you made and sold jewelry? How cool! Sounds like an awesome start to a small business. Are you still doing that or it was just during school?
BeatTheBush Haha when I saw the average credit card debt, I was shocked! I knew alot of people had cc debt since it is so available but I didn't think it was that much. And jewelry was something that I knew could generate some profit so I would set small goals every day and every week to make the money I needed. I am going to do it again since the Internet makes it easier to sell jewelry. Before I had to go to expos and markets to sell it which was exhausting sometimes. My motivation at the time was just the fear of having student loan debt which in my opinion is the most dangerous type of debt.
I forgot to say it was average household debt and not per person. All the strategies still applies though. Pretty cool side business! Seems like it has the potential to be bigger if you work at it. But being able to make enough to pay for student loans is pretty impressive in itself. So you think student loan is more dangerous than credit card debt? I guess the balance is enormous while credit card debt interest rate is enormous. So depending on the balances and APR of each, either one could have a higher yearly interest payment.
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I have a big amount on credit card debt so I need some serious planning and knowledge. I found your channel today and I just subscribed. I will probably go to every video you have made lol. I like your style ,direct and easy to understand. I am very disciplined and now I am determined. Let's do this....New fan and subscriber here sir. Keep up the good job and the inspiration to let us see and take the blindfold off our eyes.Lack of financial education at school is a big problem. Gracias. :)
Thanks for your sub! Credit card debt huh. It's like a cold... it takes time to heal from it a bit at a time. But if you set everything straight, you'll make great progress immediately.
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I have more than just a little Credit card debt. I have about $3,000.00 in Credit card debt. Unfortunately, I signed a Parent loan years ago and that balance keeps on growing because I can't afford to pay enough to pay any of the balance. Plus I owe money to the IRS. And now I have medical debts because I broke my arm and had to have surgery and I have no health Insurance.
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A couple things that are so basic you may take them for granted, but they should still be recognized: 1. You CAN pay off your debt. You must believe this or else you will fail. 2. Be honest with yourself. People will reject facts to maintain the status quo and ignore problems. Until you are honest with yourself, any plan of action you take will be potentially wander off course. 3. Have a plan. Write that plan down. Tell people about your plan. Make yourself accountable. When you share your goals with others, you are more likely to accomplish them. Use SMART objectives. Your goal should be: - Simple - Measurable - Accountable - Reasonable - Time-bound (Lots of people have different terms that fit the SMART acronym, e.g., "actionable" & "achievable." I like "accountable" because there need to be consequences for reaching or not reaching the goal. It provides motivation and keeps the big picture--why you have the goal--in view.) 4. Create a cycle of continual improvement. Evaluate your successes and failures. Find out why you succeeded or failed and use that knowledge to do even better next time. These are universal principles that will help you in anything you pursue. Paying off debt is not different than finishing a degree or completing a project. Becoming good with these principles will make you more successful in everything you do.
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this video is awesome. i have been watching your videos in the last month or so and it has been really informative and motivating. i wish i seen this video last year. i received money to pay off my credit card and within 6 months, i owed again. but after watching your videos I have been able to gain more control of my spending and debt payment. thank you. i plan to be debt free in 1 year! and its doable if i stick with my plan!
Oh man.... paying it off and getting back into it? They make the money too easy to use! You really have to evaluate how easily you get tempted and adjust accordingly.
@@BeatTheBush Yes! Highest APR is definitely painful to keep around. Literally burns unnecessary money and it makes the banks more rich. My main strategy is having a financial mentor, CC consolidation, cancelling or cutting up cards that charge annual fees AND most importantly 0% APR CCs for balance transfers. Everyone's situation is different which is why strategizing and mindset is key to effectively get out of huge debt.
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OMG I was drinking my juice and looked at the video and saw the dinosaur, almost spit out my juice 😂😅😂 OK back to the subject lol yes my money is burning 😫😫 I locked away my credit card. I started taking advantage of 0% interest cards. Unsure if you have a video on this. I figure it would give me time to pay the other cards while the 0% interest cards can just sit there just paying the minimum. Oh you're talking about it 😅 3% fee is still low considering I pay 25% interest. Great video!
Sounds like if you have a problem with the ease of use with credit cards it is best to do what you did. It's just too tempting for most people. Dino hat? It's made out of biodegradable popcorn. =D I should really throw that thing out.
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There are people who do need help on paying off their debt and are in a stage where they know they will not use their credit cards anymore so not everyone will keep spending like you say on video just keep that in mind.
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Hi I love your videos, thank you very much ☺ I was wondering what do you call those credit cards one gets, not typical credit card but in order to finance products and what do you think of them? Are they really interest free?
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I have a credit card limit of $500 in chase Then monthly I spend $400-$500 in my card But I always pay off my card before the closing date What will happen to my credit score? Is it going to increase or not?
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If I get a new credit card with 0% apr for a number of months solely to pay off debt faster, will it negatively affect my credit score if I close that credit card account within a short amount of time? Say 6 months for example.
There are a few things that could negatively affect your score in that situation you mentioned. First is the application for a new card could reduce your score. Second, when you cancel, your total credit limit reduces which reduces your credit score. For a strong credit history, one application doesn't do much to your score and for a large total credit limit, cancelling one card doesn't negatively affect your score much either. So the degree to which it negatively affects your score depends on how strong your credit history is currently.
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We are now at the highest credit card debt ever in the nation's history. Really quite frightening. Don't spend more than what you have! Totally agree that it's all about our mindset.
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I only owe 100.00 (due on 17) on my quicksilver one and fingerhut 289, 20.00 per month ( due June 5) I don’t overspend. I live small 389 /1,765 of total credit
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Hi. First thank you I am learning so much. I just want to check to make sure I'm doing the right thing...I'm paying off a bunch of low balance cards to 0.I will have a few higher balancesd ones I will try to quickly get down. Meanwhile, when is a good time to completely pay off..right on due date or a few days before? ...before closing day..which is due date.Then to maintain, keep a balance of under 30% / $2...and pay that low amount after the statement close date but before due date to avoid interest?
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Yeah i remember watching this when i had to move states. New job was very slow with income so i piled on loads of cc debt. thought id never get out. Started that steady job and making commission on top and plowing over $2k a month on my CC to pay them off. THank goodness for my CC company to be ontop and raise my limits, helped raise my credit score to get a personal loan for them with a lower APR. All in all just wanted to say thanks.
Raising limits from a CC could be a good and bad thing at the same time. Good if it allows you a bit more room to use temporarily but bad if you just dig yourself deeper with more debt. Just to tide you over for a few weeks then sure, it's good. You're welcome! =D
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such excellent advice. Thank you for this. I have one card paid off, and I'm planning on paying the second ($3000) by the end of 2017. I've been trying to justify the $9.99 I've been spending on Netflix (and other random services), but I just cancelled everything to follow this method. Wish me luck.
I'm glad! And you know, you can just cancel it for now... let your Netflix needs build up. And when you get it again, you just binge everything and viola, all caught up and spent $100 less while having no more credit card debt.
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Great video once again! Can I ask for some advice? I got approved for a 21 month interest free CC. I plan to use this solely to save on interest so, I am thinking I can cut two separate CCs by half and put their balances on the new card. That way the utilization improves on the high balance cards. Do you think this is a good strategy or should I focus on moving one balance?
Focus on paying it off by minimizing the interest you pay. The utilization will be the same because it's utilization of all your cards and not the utilization of a single card.
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do you any tips money wise on buying a car? I don't have any debt and always pay my bills on time, I'm not sure if I should finance a car or just save up enough to buy one outright. is financing a bad idea? great videos btw, I always learn something helpful!
Thanks for watching! Well... . Financing = loose money! It's spending future money in which you have to pay interest. Even at 1%, I wouldn't do it. At 0% it's still risky because there are penalties if you do not pay fully at the end of the promo APR period. if you don't need to buy it right this minute, I would definitely just save up enough to buy one. Also, buy a used one. If you want a new one, still buy a used one 2-3 years old to save on depreciation.
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I bought everything I wanted, so I will be paying off everything now, and following your tips has helped me a lot :D thanks for everything in your channel. Ps. Loved that green pillow and the dinosaur! I want them, lol.
Glad the vids helped. =D But are you sure you bought everything? It seems things always come up and then you want that new thing. Myself included. I couldn't find where to get a similar dino but you can still get the peas in a pod. Links in video description.
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I hope you see this. Im a student. I’m about $3000 in credit card debt which has put me into bad credit. The account is now closed. I want to improve my credit. How should I go about this? Should I begin by trying to pay it off in about 2 years? Will that even make a difference?
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LOL LOL I LOVED YOUR LOOK OF DISAPPROVAL!!!!!!! You just made my day. Well BTB I only have 1,200 in CC DEBT. As a single mom sometimes emergencies come up and groceries. I've done great , last year this time I had over 2k so I'm proud of myself. I'm going to pay them off completely by May 2017. I am using Dave Ramsey baby steps smallest to largest. Sold some things and it went to cc right away. I can't stand clutter so I will be selling more. 🙋🏻🙌🏼
+Susan Velez Looks like you already know what to do but that's for watching anyway. =D It's going to be so much better after paying it off with that much more spare cash to cushion emergencies.
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Thanks, got a nice paycheck recently and put it all towards paying off my cc debt instead of spending it like i would normally do years ago! Almost down to 0 and it feels awesome. No ragrets and thanks for the video!
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In my case after some serious health issues in the past 4 years I ended up $13.000 in debt. Now working just the part time, hard to make ends meet. What would be the best way to do about this? Transfer it to the bank credit or declare bankruptcy?
BeatTheBush yes right now I can only work part time because it’s a standing position and my feet are in really bad shape. Soon I will start coding bootcamp. My future plan is to work as computer programmer, it would be easier on my feet and be able to work full time. Meanwhile I was wondering what would happen if I stop paying $13.000 debt in credit cards or if I file for bankruptcy? What would be consequences? Is that better choice or borrow money from family to pay it off?
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When your in too debt let the big ones charge off make settlements. Save the small little balance cards. Feel good. Credit scores go up and down over the years if they wanna charge 3% fees and redic April’s then let it go to collections. They serve you. You show up. Negotiate 30 Bal due down to 5 k horay make payments done in a year and a half. Although you may never get credit again from that bank you gave the banks game right back at them. Credit bounces back in 2-4 years. Only do this if you are financing a car and rent not if you own because then they could look to liquidate that. Trust me. Been there done that it works. But yea pay cash. Best way. Makes you more accountable but if your in too deep like 50-70 k on three cards. only pay 12-17 k after you settle, when you file the following year expect the settled part to count as income that uncle same will consider a percentage of income taxable against your refund expected it could eat it all up on you and owe you could owe if you didn’t have a refund coming to you. Been there done that. Just letting you know if your in too deep there is a way out. Don’t spend rest of your life paying redic interest to these billionaires
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I have a dumb question. If you have a history of unpaid debt but eventually pay it off does that improve your credit score or will it be permanently tarnished from a history of unpaid credit card debt (even if you do pay off all of the debt)? I hope my question makes sense.
That is not a dumb question. If you have a history of unpaid debt but keep it all in good standing via minimum payments, then it does not affect your score at all if you suddenly pay it all off. However, if you continuously miss all the minimum payments, then that will stay on your record for 7 years and CONTINUOUSLY make your score lower until it that late payment falls off your record after 7 years.
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It depends on how you will conduct yourself after paying it off. Many people end up charging up the credit card again because life happens. If that is that case, it will just drain your 401k.
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The food is meant to be a high spike in taste which is likely high in salt, msg, or sugar. So not all but most food you buy outside isn't the best for you.
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If you owe the money to credit card and if there is a fee on it all you got to do is balance transfer .There is lot of credit card company offer .And they dont charge balance tranfer money and 15 months no interest no fee.I did it for 10.000 dollars. After 15 months later i will do another balance transfer until i paid off.This way youre not going to pay any interest period
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I just payed off one of them that I had already payed off a while back this time I cut it I've payed off a few & never got them back I like cash owe no one & some times I even pay my self interest
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T-rex was an abandoned stuff animal but I enjoy his expression. I really like the stuffed steak. I really like the peas since they zip up into the pod. So they're mind and I really like them. I don't play with them like a kid but I just put them on display.
You cant really directly use a debit card to make payments. I think what you mean is you are using your checking account to make payments. Making payments on time can absolutely build your credit.
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LOL been following you for a year now, and you are very entertaining to watch. Thanks for making these videos, and for uploading this one. I eliminated my CC debt a month ago (which was $2,000). It felt amazing paying that off. I was wondering if you can make a short video on no pre-set spending limit credit cards. I have been reading about them and just want to see if you can clarify what those cards are all about. Cheers!
=D Thanks for watching all this time! Awwww, too bad I couldn't offer this advice before you paid off your CC but glad you did it yourself. No pre-set spending limit topic is an interesting one, I actually never thought about making a video just on that before. I'll do one in the future. At least for now, it seems to me like some marketing trick so people can get this just to show off for people that cannot actually spend upwards of $10k/month. Kind of like a black card. Normal cards give you a limit of $20-50k on the top end so you have plenty of limit even for the type that will spend so much. Who spends that much every month? Well... maybe really rich people rolling in $1+ million a year that is a big spender or $10+ million a year who is just spending normally may actually NEED such a card. Who makes that much anyway? CEOs,, Taylor Swift, Rockstars, Basketball/Football players.
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@@terminal2004 Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
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Need help! I have 3,000 in credit card debit and a 10k personal loan with a 30 percent apr what should I pay first I’m willing to pay off everything in 6 months or less
Pay off highest interest rate first for most. But if you need a psychological boost in knowing you are getting closer, then pay the smallest debt first. Don't discount psychological effects and it can be very powerful in encouraging you to pay things off.
I've come across spacehacker name in so many debt related issues thread on youtube and so far no one has a bad reservation about him and how people have been testifying he helped them cleared up their debt, Although i just summoned the courage to try him too and i think you should too. here is his contact +1 4,0,8 560 22, 97. I hope this helps.
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@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
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Jobani Aguilar Cristal Ramirez *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Jobani Aguilar *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
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=D Thanks for watching even though you didn't need to pay anything off. Anything over 5% is literally on fire for me so I drop everything and just rush to pay it.
look of disapproval gif: i.makeagif.com/media/12-06-2016/dHZpNC.gif I pay it off the same day I spend it! Won't spend credit if I don't have the money on-hand to match. As a r/churner I don't care about the APR either lol
viksra Omg, lol. It's gifted. But why pay it off the same day when there is a grace period and autopay that will do it automatically for you? To me, it's more work, too much clicking.
The problem I see with autopay is that it gives you a falsely inflated bank account balance for a period of time until the money is deducted from your account, which can lead to overdraft if you don't have it disabled + fees. I like my bank account to reflect what I truly have on a day-to-day basis, rather than waiting for the grace period to be over in order to get a true picture of my balance. In my opinion, floating money is actually more work because you have to remember how much is going to be deducted for new purchases and constantly calculate if you risk overspending and how much you have left over. By paying it off at the end of the day, I don't have to worry about how much I have or how much I can utilize, because it's always up to date. 3 or 4 clicks to pay the bill on a daily basis won't kill me lol
viksra Hmm! I see that working for one card. I constantly use 10 cards which would make that method prohibitive. I do not keep a tally of daily purchases as I also do not keep a balanced check book. I just keep a ball park figure enough to pay the bills in the bank. I also write down the auto payment amounts and the dates it is to be withdrawn to make sure I have enough. It's pretty hands off if I have regular spending but I need to keep a closer eye when there are spikes. Of course, this way requires you to not be bothered by an inflated bank account as the more I spend, the more inflated it appears. Not arguing for my method though as I think doing things the way you are comfortable with is best. I do enjoy hearing about your methods. =D
You can and that will save you a bit on interest if you are not using the grace period. If you have a grace period because you end up paying it off every month in full then that's just too much work. You can just pay it all off right before the statement date for the same effect.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Hey great video!! Am I able to update you as I reach my goals? I feel like when im telling someone else my progress it makes me think more about not spending on silly things. So im working with 2400 and 1400. Today I resisted a silly splurge and put 40 towards the 1400 with the minimum of 25. Watching your vid helped me to stop and think about it more lol. Ill update when I add more :D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
10% cash back was mainly for a special promotion in gas and groceries. So you will have to use it on those things to get the 10% which may not work given the limited promo time.
Robert Halili *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
friend, Invest in bitcoin at coingrille.com, when i started i was given a bonus of 100$ and they are user friendly as well I've been able to increase my investments over the past couple of months
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@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
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Not a good idea!!! I tried it hahaha. I decided to not follow through because once I get the loan for that, the bank wants their money now vs credit cards you can take a little more time.. My best thing to advice you to do is wait until taxes to hit and pay some of your loans with that. That way you have money on your credit card and you paid your credit card off... then reprogram how you handle your credit card. Only spend what you can pay back
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I am not sure if you can offer any help. I am 34 years old, I started college late I will be done in about 2 years. I am estimating I will have 50k - 75k in student loans. I am getting my degree as a Software Engineer starting is around 85k a year. Can go up in 5 years to 120k or more. I currently don't have to pay rent and do not work I go to College full time. My goal is to buy a truck and a nice camper(it's like a mobile home) and live out of that so I don't pay mortgage or rent. I eventually want to buy some land and have tiny houses for rent on the land. Using solar panels, wells(for water) etc... pretty much self-sustaining with little cost. So I guess my dilemma is with my student loan, do I pay it off completely ASAP? Do I save some money for my goals? Do I pay the minimum of the loan and work on buying land and the houses or what? I guess I am asking what should my priorities be.
You priority is to use enough of your income to have a comfortable but minimal life. You may even want to save up some emergency funds before aggressively attacking the student loan. I haven't' done this camper thing but I feel like you greatly reduce your chances of finding a life partner by doing so. I think you might also have all sorts of trouble finding a place to park your camper over night but I'm sure it's still doable but with difficulties.
BeatTheBush I do talk to a few girls(I am single) I brought this up to them and they thought it would be cool, Women do do this,it's like traveling. I would rent someone's parking spot or a piece of their yard to park my camper over night. Which would be a lot cheaper than paying rent or mortgage. I am only planning to do this for a few years so I can buy some property and settle down there. I did see your retirement video which didn't make much sense to me. In some examples yous said you could save 90% of your income. I know that would be extremely tough. But I see what you're saying now, just live a comfortable life without over spending. Greatly appreciated. .
asmcriminaL Campers is what makes it into the news. Like the guy who lives in the parking lot of google and showers in their gym. I suppose if you think it's fine then to each his own. 90% of income is possible if you turn down your expenses while earning a lot. It's is tough to do but if you do it right, it's a matter of skill while still being comfortable. Greatly emphasize comfort here as anyone can save 90% by living on the streets.
BeatTheBush haha just saw that story of the guy living out of the truck at google. I am planning to work for google as a software engineer and I was going to do the "exact" same thing. If everything goes according to plan. About 2-5yrs after I graduate I won't have a mortgage/rent, I would have property and a house. My life would be minimalist and comfortable as you suggested.
Contact spacehacker +1, 408 5,6,0 22,97 he helped me clear my car loan and till now am still earning through my credit card from him. Do not worry about anything he wont ask you for any money.
I've come across this spacehacker name in so many debt related issues thread on youtube and so far no one has a bad reservation about him always good testifies, I think its time i give it a try too. Thanks Stallone.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
75% Faster? I think this highly depends on your interest rate. On a 250k 4% 30 year loan, paying bi-monthly will reduce the term by 4 years roughly. This is 13% shorter.
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Nice dialogue, very clear and easy to understand. Thanks for the info
6:32 "no latte's, no going out to the movies"
I literally just got a latte and I bought movie tickets for tonight a couple hours ago.
Great!
Ahh... if you have a pile of credit card debt, there are things more pressing.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Great video! Too many people are ashamed and it seems credit cards and debt are accepted as just a normal way to live. It's good you mention the suffering is temporary when getting out from under. Keep up the good work.
Credit card debt seems to be rampant indeed. Thanks!
Why can't everyone explain this so simply and clear? I need to have my daughter watch this.
@Sophia Smith Luckily I am completely out of debt now including houses and cars.
I love this video. I'm building my credit at the moment with this exact mindset; drop everything and get my debt cleared. I'll be finished by no later than January. I guess I am saying thanks for reaffirming everything I believe and doing at the moment.
Glad you're on your way and pretty soon too! Interesting how we all seek confirmation on something we are already doing even though it's apparently going well already. Human nature I suppose. I do the same.
I never had debt. I just like your videos. They are always very clear and simple. I don't even have student loans... just made jewelry from home and sold them online to cover school expenses. It took me 7 years to finish but I'm proud to say I never had student loan debt.
I really appreciate you watching even though you certainly do not need to pay off any debt. I assume you're like, what the heck, I'll watch... =D Wow, you made and sold jewelry? How cool! Sounds like an awesome start to a small business. Are you still doing that or it was just during school?
BeatTheBush Haha when I saw the average credit card debt, I was shocked! I knew alot of people had cc debt since it is so available but I didn't think it was that much. And jewelry was something that I knew could generate some profit so I would set small goals every day and every week to make the money I needed. I am going to do it again since the Internet makes it easier to sell jewelry. Before I had to go to expos and markets to sell it which was exhausting sometimes. My motivation at the time was just the fear of having student loan debt which in my opinion is the most dangerous type of debt.
I forgot to say it was average household debt and not per person. All the strategies still applies though. Pretty cool side business! Seems like it has the potential to be bigger if you work at it. But being able to make enough to pay for student loans is pretty impressive in itself. So you think student loan is more dangerous than credit card debt? I guess the balance is enormous while credit card debt interest rate is enormous. So depending on the balances and APR of each, either one could have a higher yearly interest payment.
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I have a big amount on credit card debt so I need some serious planning and knowledge. I found your channel today and I just subscribed. I will probably go to every video you have made lol. I like your style ,direct and easy to understand. I am very disciplined and now I am determined. Let's do this....New fan and subscriber here sir. Keep up the good job and the inspiration to let us see and take the blindfold off our eyes.Lack of financial education at school is a big problem. Gracias. :)
Thanks for your sub! Credit card debt huh. It's like a cold... it takes time to heal from it a bit at a time. But if you set everything straight, you'll make great progress immediately.
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Thank you, Bush Beater!
I have more than just a little Credit card debt. I have about $3,000.00 in Credit card debt. Unfortunately, I signed a Parent loan years ago and that balance keeps on growing because I can't afford to pay enough to pay any of the balance. Plus I owe money to the IRS. And now I have medical debts because I broke my arm and had to have surgery and I have no health Insurance.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Love the simplicity of this video yet very informational and straight to the point. Thanks for the advice!
Jasmin Herrera
A couple things that are so basic you may take them for granted, but they should still be recognized:
1. You CAN pay off your debt. You must believe this or else you will fail.
2. Be honest with yourself. People will reject facts to maintain the status quo and ignore problems. Until you are honest with yourself, any plan of action you take will be potentially wander off course.
3. Have a plan. Write that plan down. Tell people about your plan. Make yourself accountable. When you share your goals with others, you are more likely to accomplish them. Use SMART objectives. Your goal should be:
- Simple
- Measurable
- Accountable
- Reasonable
- Time-bound
(Lots of people have different terms that fit the SMART acronym, e.g., "actionable" & "achievable." I like "accountable" because there need to be consequences for reaching or not reaching the goal. It provides motivation and keeps the big picture--why you have the goal--in view.)
4. Create a cycle of continual improvement. Evaluate your successes and failures. Find out why you succeeded or failed and use that knowledge to do even better next time.
These are universal principles that will help you in anything you pursue. Paying off debt is not different than finishing a degree or completing a project. Becoming good with these principles will make you more successful in everything you do.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
this video is awesome. i have been watching your videos in the last month or so and it has been really informative and motivating. i wish i seen this video last year. i received money to pay off my credit card and within 6 months, i owed again. but after watching your videos I have been able to gain more control of my spending and debt payment. thank you. i plan to be debt free in 1 year! and its doable if i stick with my plan!
Oh man.... paying it off and getting back into it? They make the money too easy to use! You really have to evaluate how easily you get tempted and adjust accordingly.
I went from $65K CC debt with 10 CCs. 9 months after, I I dropped debt to $53K with 5 CCs. Tons of 0% APR balance transfers too.
Nice! Debt snow ball method?
@@BeatTheBush Yes! Highest APR is definitely painful to keep around. Literally burns unnecessary money and it makes the banks more rich. My main strategy is having a financial mentor, CC consolidation, cancelling or cutting up cards that charge annual fees AND most importantly 0% APR CCs for balance transfers. Everyone's situation is different which is why strategizing and mindset is key to effectively get out of huge debt.
Tim Y *text mystery_hacker79 on Instagram he’s an expert*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
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i like your videos! brand new to credit cards but i like how you explain everything
Love your tutorials!
Thank you! It's not easy to pay down those debt but it's a start. =D
Great video bro
Thanks!
Thanks man..super helpful
You're welcome!
thanks so much to mansard security for the referral
thanks for the video, you have a good presentation style, easy to understand, thanks again
=D You're welcome!
OMG I was drinking my juice and looked at the video and saw the dinosaur, almost spit out my juice 😂😅😂 OK back to the subject lol yes my money is burning 😫😫 I locked away my credit card. I started taking advantage of 0% interest cards. Unsure if you have a video on this. I figure it would give me time to pay the other cards while the 0% interest cards can just sit there just paying the minimum. Oh you're talking about it 😅 3% fee is still low considering I pay 25% interest. Great video!
Sounds like if you have a problem with the ease of use with credit cards it is best to do what you did. It's just too tempting for most people.
Dino hat? It's made out of biodegradable popcorn. =D I should really throw that thing out.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I plan to finish paying off my 10,000 student bank loan by mid next year. I WILL DO IT!
Thank you once again.
You can and you will! It's like giving yourself a raise after you do it. I assume you'll free up $50-100/month after doing so. =D
Almost a year, how are you doing?
J. Boadi did you pay it off?
TheWastelandGuy He probably went to get a master's.
Sorry for being mean, I just had to.
I PAY OFF USA AND CANADA LINE OF CREDIT AND CREDIT CARDS ONLINE USA AND CANADA ONLY
PLEASE NO OTHER COUNTRIES OR DEBIT CARDS ONLY CREDIT CARDS AND LINE OF CREDIT WITH ONLINE ACCESS
NO CALLBACK OR CHARGE BACK
NO UPFRONT FEES NO BS
I CAN SHOW YOU PROOF OF PAST PERFORMANCES
ONLY WHATSAPP ME PLEASE
+16043053538 USA whatsapp
Great video, thank you!
You're welcome! =D
There are people who do need help on paying off their debt and are in a stage where they know they will not use their credit cards anymore so not everyone will keep spending like you say on video just keep that in mind.
Thank you for doing this video the information was great, and really going to help me in the near future.
I sure hope visualizing the loss of money is enough to motivate. =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Excellent advice! Thank you.
You're welcome! =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I love the look of disapproval! :)
Trying to use all means necessary. =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Hi
I love your videos, thank you very much ☺ I was wondering what do you call those credit cards one gets, not typical credit card but in order to finance products and what do you think of them? Are they really interest free?
Good video bro
Thanks! =D
Thank you so much for this video. Very helpful for what I'm trying to do now.
You can slowly improve your methods to save more and more to use for paying off.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Love your videos, keep it up man :D
=D Thanks! =D
Thanks man for ur info I'm glad for the help!!
=D You're welcome! Glad you can make use of it. =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I have a credit card limit of $500 in chase
Then monthly I spend $400-$500 in my card
But I always pay off my card before the closing date
What will happen to my credit score? Is it going to increase or not?
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Thank you!!!
You're welcome! =D
The ad before watching this was a credit card add. -.-
Rose Zariya what do you mean? He paid it off?
Forgive me for not believing you but that doesn't seem possible. Why would someone pay your debt off?
Rose Zariya what info did you need to give him?
Good video.
=D Thanks!
If I get a new credit card with 0% apr for a number of months solely to pay off debt faster, will it negatively affect my credit score if I close that credit card account within a short amount of time? Say 6 months for example.
There are a few things that could negatively affect your score in that situation you mentioned. First is the application for a new card could reduce your score. Second, when you cancel, your total credit limit reduces which reduces your credit score. For a strong credit history, one application doesn't do much to your score and for a large total credit limit, cancelling one card doesn't negatively affect your score much either. So the degree to which it negatively affects your score depends on how strong your credit history is currently.
Got it. Thanks for the quick reply by the way! I stumbled upon you a few days ago and find your videos very helpful and informative.
I wish that happens more often. =D Glad you find the vids useful. =D Look forward to extra money not wasted once you pay off your debts.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Thanks. This helps!
+Gabe Wells :D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
We are now at the highest credit card debt ever in the nation's history. Really quite frightening. Don't spend more than what you have! Totally agree that it's all about our mindset.
=D This point is missed by many it appears.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
great video
Thanks!
I only owe 100.00 (due on 17) on my quicksilver one and fingerhut 289, 20.00 per month ( due June 5) I don’t overspend. I live small 389 /1,765 of total credit
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Hi. First thank you I am learning so much. I just want to check to make sure I'm doing the right thing...I'm paying off a bunch of low balance cards to 0.I will have a few higher balancesd ones I will try to quickly get down. Meanwhile, when is a good time to completely pay off..right on due date or a few days before? ...before closing day..which is due date.Then to maintain, keep a balance of under 30% / $2...and pay that low amount after the statement close date but before due date to avoid interest?
Sorry the closing date is a few days after due date.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Figuratively, not literally.
=D My bad.
Yeah i remember watching this when i had to move states. New job was very slow with income so i piled on loads of cc debt. thought id never get out. Started that steady job and making commission on top and plowing over $2k a month on my CC to pay them off. THank goodness for my CC company to be ontop and raise my limits, helped raise my credit score to get a personal loan for them with a lower APR. All in all just wanted to say thanks.
Raising limits from a CC could be a good and bad thing at the same time. Good if it allows you a bit more room to use temporarily but bad if you just dig yourself deeper with more debt. Just to tide you over for a few weeks then sure, it's good. You're welcome! =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
your videos are very informative,but I think they would be even more effective condensed,
it's nice to see a sensible milliniel.
good tips
Thanks! Hum, yeah they could be shortened I agree. It has to do with my on screen skill level. Always trying to improve still.
Your Channel is cool nice variety
Thanks! =D
such excellent advice. Thank you for this. I have one card paid off, and I'm planning on paying the second ($3000) by the end of 2017. I've been trying to justify the $9.99 I've been spending on Netflix (and other random services), but I just cancelled everything to follow this method. Wish me luck.
I'm glad! And you know, you can just cancel it for now... let your Netflix needs build up. And when you get it again, you just binge everything and viola, all caught up and spent $100 less while having no more credit card debt.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
totally logical love the look
Thanks!
Great video once again! Can I ask for some advice? I got approved for a 21 month interest free CC. I plan to use this solely to save on interest so, I am thinking I can cut two separate CCs by half and put their balances on the new card. That way the utilization improves on the high balance cards. Do you think this is a good strategy or should I focus on moving one balance?
Focus on paying it off by minimizing the interest you pay. The utilization will be the same because it's utilization of all your cards and not the utilization of a single card.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Your toys are so cute. Love your channel.
do you any tips money wise on buying a car? I don't have any debt and always pay my bills on time, I'm not sure if I should finance a car or just save up enough to buy one outright. is financing a bad idea? great videos btw, I always learn something helpful!
Thanks for watching! Well... . Financing = loose money! It's spending future money in which you have to pay interest. Even at 1%, I wouldn't do it. At 0% it's still risky because there are penalties if you do not pay fully at the end of the promo APR period. if you don't need to buy it right this minute, I would definitely just save up enough to buy one. Also, buy a used one. If you want a new one, still buy a used one 2-3 years old to save on depreciation.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I bought everything I wanted, so I will be paying off everything now, and following your tips has helped me a lot :D thanks for everything in your channel.
Ps. Loved that green pillow and the dinosaur! I want them, lol.
Glad the vids helped. =D But are you sure you bought everything? It seems things always come up and then you want that new thing. Myself included. I couldn't find where to get a similar dino but you can still get the peas in a pod. Links in video description.
haha, thanks for the info. Well, I have a new phone, a laptop that works very well, and my videogames lol. So, no more big expenses.
Have a nice day!
Sounds like a plan! =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I hope you see this. Im a student. I’m about $3000 in credit card debt which has put me into bad credit. The account is now closed. I want to improve my credit. How should I go about this? Should I begin by trying to pay it off in about 2 years? Will that even make a difference?
The bad mark is there already but if you want to fix it sooner, pay it off sooner.
BeatTheBush So paying it off wouldn’t increase my credit?
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
LOL LOL I LOVED YOUR LOOK OF DISAPPROVAL!!!!!!! You just made my day. Well BTB I only have 1,200 in CC DEBT. As a single mom sometimes emergencies come up and groceries. I've done great , last year this time I had over 2k so I'm proud of myself. I'm going to pay them off completely by May 2017. I am using Dave Ramsey baby steps smallest to largest. Sold some things and it went to cc right away. I can't stand clutter so I will be selling more. 🙋🏻🙌🏼
+Susan Velez Looks like you already know what to do but that's for watching anyway. =D It's going to be so much better after paying it off with that much more spare cash to cushion emergencies.
Susan Velez
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I got locked into a one year cable Comcast contract. I'm trying to decrease my burn rate. Can I get out of it? How?
Breaking the contract might cost you. I would just leave it and cancel when the contract is up. Beware they will try to reduce the cost to keep you.
Great video; great information, but was that look of disapproval really necessary? (Yeah, it probably was). LMBO! Thank you and have a great day. 😁👍
Yes it was. Trying to put in different ways of discouragement for your benefit.
love it, so cute ...the disapproval look! :)
=D
Thanks, got a nice paycheck recently and put it all towards paying off my cc debt instead of spending it like i would normally do years ago! Almost down to 0 and it feels awesome. No ragrets and thanks for the video!
Nice! You do it now and you actually get MORE spending money after due to the reduced interest payments. =D
I PAY OFF USA AND CANADA LINE OF CREDIT AND CREDIT CARDS ONLINE USA AND CANADA ONLY
PLEASE NO OTHER COUNTRIES OR DEBIT CARDS ONLY CREDIT CARDS AND LINE OF CREDIT WITH ONLINE ACCESS
NO CALLBACK OR CHARGE BACK
NO UPFRONT FEES NO BS
I CAN SHOW YOU PROOF OF PAST PERFORMANCES
ONLY WHATSAPP ME PLEASE
+16043053538 USA whatsapp
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
THE LOOK OF DISAPPROVAL. BRB. MAKING AN EXCEL SPREADSHEET!
XD =D
Thanks
=D
BeatTheBush it was clear ...refreshing and a lil fun...and no im not going to get the disapproval look ..just give me a year 😊
In my case after some serious health issues in the past 4 years I ended up $13.000 in debt. Now working just the part time, hard to make ends meet. What would be the best way to do about this? Transfer it to the bank credit or declare bankruptcy?
You cannot work more than part time due to health or you could? If you could then the obvious choice is to work more. Learn more, get a degree.
BeatTheBush yes right now I can only work part time because it’s a standing position and my feet are in really bad shape. Soon I will start coding bootcamp. My future plan is to work as computer programmer, it would be easier on my feet and be able to work full time. Meanwhile I was wondering what would happen if I stop paying $13.000 debt in credit cards or if I file for bankruptcy? What would be consequences? Is that better choice or borrow money from family to pay it off?
Omicron Ceti *HESS0222 on 1nstagram just cleared my credit card debts, you should contact him for yours*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
This is better than a Dave Ramsey video
=D
For your credit score boost, clear off your credit cards debt. I will advise you to get in touch with a professional for your problem to be Solved helped me remove all my negative items on my credit report and He helped me boost my credit score to 760 Excellent score within 5-8 business Days. He also helped me pay off my credit card debts, His service is fast with a substantial service charge. Contact him via mail today. (Jon@creditpatchup.com)
When your in too debt let the big ones charge off make settlements. Save the small little balance cards. Feel good. Credit scores go up and down over the years if they wanna charge 3% fees and redic April’s then let it go to collections. They serve you. You show up. Negotiate 30 Bal due down to 5 k horay make payments done in a year and a half. Although you may never get credit again from that bank you gave the banks game right back at them. Credit bounces back in 2-4 years. Only do this if you are financing a car and rent not if you own because then they could look to liquidate that. Trust me. Been there done that it works. But yea pay cash. Best way. Makes you more accountable but if your in too deep like 50-70 k on three cards. only pay 12-17 k after you settle, when you file the following year expect the settled part to count as income that uncle same will consider a percentage of income taxable against your refund expected it could eat it all up on you and owe you could owe if you didn’t have a refund coming to you. Been there done that. Just letting you know if your in too deep there is a way out. Don’t spend rest of your life paying redic interest to these billionaires
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I have a dumb question. If you have a history of unpaid debt but eventually pay it off does that improve your credit score or will it be permanently tarnished from a history of unpaid credit card debt (even if you do pay off all of the debt)? I hope my question makes sense.
That is not a dumb question. If you have a history of unpaid debt but keep it all in good standing via minimum payments, then it does not affect your score at all if you suddenly pay it all off. However, if you continuously miss all the minimum payments, then that will stay on your record for 7 years and CONTINUOUSLY make your score lower until it that late payment falls off your record after 7 years.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I have $6000 cc debt shoulder I borrow from my 401k to pay it off to avoid the high interest rate?
It depends on how you will conduct yourself after paying it off. Many people end up charging up the credit card again because life happens. If that is that case, it will just drain your 401k.
you should cntact mansard security to help you out
Pamela Nguyen *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Pamela Nguyen ruma_telecom01 0n 1nstagram clear my bills and debts on my 3 credit card and no upfront payment, it legit
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Thanks for the tips. I actually really did need that look of disapproval hahaha
Which ever method I can get away with. Show proof, convincing, shame, etc.
Can you make a video about the new app Tally and if it’s a good app or not?
Do you give advice on personal credit privately. And, how much u charge.
You can check my Patreon page.
Don't go eat outside because the food is unhealthy lol yeah because I'm diet I need cooking thanks I learned lot with you god bless you
The food is meant to be a high spike in taste which is likely high in salt, msg, or sugar. So not all but most food you buy outside isn't the best for you.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
If i pay off 2 of my credit cards how much do you think my credit will go up?
No idea. It depends on where you start and what other things are in your credit report. If you're maxed out right now then it'll improve it greatly.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
i love clash flow
=D
If you owe the money to credit card and if there is a fee on it all you got to do is balance transfer .There is lot of credit card company offer .And they dont charge balance tranfer money and 15 months no interest no fee.I did it for 10.000 dollars. After 15 months later i will do another balance transfer until i paid off.This way youre not going to pay any interest period
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I just payed off one of them that I had already payed off a while back this time I cut it I've payed off a few & never got them back I like cash owe no one & some times I even pay my self interest
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
What's up with the random stuffed animals in your videos? I love them!
T-rex was an abandoned stuff animal but I enjoy his expression. I really like the stuffed steak. I really like the peas since they zip up into the pod. So they're mind and I really like them. I don't play with them like a kid but I just put them on display.
Thanks for the reply. That made my night! ☺️
=D I meant, so they are mine (not mind).
i have a question can u make credit using a debit card to make payments. i did that for 2 years ?
You cant really directly use a debit card to make payments. I think what you mean is you are using your checking account to make payments. Making payments on time can absolutely build your credit.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
LOL been following you for a year now, and you are very entertaining to watch. Thanks for making these videos, and for uploading this one. I eliminated my CC debt a month ago (which was $2,000). It felt amazing paying that off. I was wondering if you can make a short video on no pre-set spending limit credit cards. I have been reading about them and just want to see if you can clarify what those cards are all about. Cheers!
=D Thanks for watching all this time! Awwww, too bad I couldn't offer this advice before you paid off your CC but glad you did it yourself. No pre-set spending limit topic is an interesting one, I actually never thought about making a video just on that before. I'll do one in the future. At least for now, it seems to me like some marketing trick so people can get this just to show off for people that cannot actually spend upwards of $10k/month. Kind of like a black card. Normal cards give you a limit of $20-50k on the top end so you have plenty of limit even for the type that will spend so much. Who spends that much every month? Well... maybe really rich people rolling in $1+ million a year that is a big spender or $10+ million a year who is just spending normally may actually NEED such a card. Who makes that much anyway? CEOs,, Taylor Swift, Rockstars, Basketball/Football players.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
1. Have money
2. Setup automatic payment
Done.
That's like saying ... How to get rich. Answer: Get Rich.
If you don't have the money, you shouldn't spend it.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@terminal2004 Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Need help! I have 3,000 in credit card debit and a 10k personal loan with a 30 percent apr what should I pay first I’m willing to pay off everything in 6 months or less
Pay off highest interest rate first for most. But if you need a psychological boost in knowing you are getting closer, then pay the smallest debt first. Don't discount psychological effects and it can be very powerful in encouraging you to pay things off.
Thank you
I've come across spacehacker name in so many debt related issues thread on youtube and so far no one has a bad reservation about him and how people have been testifying he helped them cleared up their debt, Although i just summoned the courage to try him too and i think you should too. here is his contact +1 4,0,8 560 22, 97. I hope this helps.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
6:21 ... I don't know if I want to increase my crash flow. O___O
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I use my credit card all the time. Pay off my Card every week!
BeyondChange *HESS0222 on 1nstagram just cleared my credit card debts, you should contact him for yours*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Oh, yeah~ That disapproving look of disapproval will keep me from getting into debt. X)
That's my hope.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
The look of disapproval did it for me
Jobani Aguilar Cristal Ramirez *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Jobani Aguilar *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
DO A VIDEO ON VELOCITY BANKING!!!!
Your method does work. No debt here. And thanks for the look of disapproval...made me laugh.
=D Thanks for watching even though you didn't need to pay anything off. Anything over 5% is literally on fire for me so I drop everything and just rush to pay it.
look of disapproval gif: i.makeagif.com/media/12-06-2016/dHZpNC.gif
I pay it off the same day I spend it! Won't spend credit if I don't have the money on-hand to match. As a r/churner I don't care about the APR either lol
viksra Omg, lol. It's gifted.
But why pay it off the same day when there is a grace period and autopay that will do it automatically for you? To me, it's more work, too much clicking.
The problem I see with autopay is that it gives you a falsely inflated bank account balance for a period of time until the money is deducted from your account, which can lead to overdraft if you don't have it disabled + fees. I like my bank account to reflect what I truly have on a day-to-day basis, rather than waiting for the grace period to be over in order to get a true picture of my balance. In my opinion, floating money is actually more work because you have to remember how much is going to be deducted for new purchases and constantly calculate if you risk overspending and how much you have left over. By paying it off at the end of the day, I don't have to worry about how much I have or how much I can utilize, because it's always up to date. 3 or 4 clicks to pay the bill on a daily basis won't kill me lol
viksra Hmm! I see that working for one card. I constantly use 10 cards which would make that method prohibitive. I do not keep a tally of daily purchases as I also do not keep a balanced check book. I just keep a ball park figure enough to pay the bills in the bank. I also write down the auto payment amounts and the dates it is to be withdrawn to make sure I have enough. It's pretty hands off if I have regular spending but I need to keep a closer eye when there are spikes. Of course, this way requires you to not be bothered by an inflated bank account as the more I spend, the more inflated it appears.
Not arguing for my method though as I think doing things the way you are comfortable with is best. I do enjoy hearing about your methods. =D
Can you pay them off every week or every other week before the due date ??(
You can and that will save you a bit on interest if you are not using the grace period. If you have a grace period because you end up paying it off every month in full then that's just too much work. You can just pay it all off right before the statement date for the same effect.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I like your green beans
They are so smile inducing. =D
Lol, that look of disapproval
I wonder if it'll help. =/
Definitely good. Not currently in credit card debt, but am sure it will keep me out
HP97user Glad to hear, thanks for watching even though you have no credit card debt. =P =D
BeatTheBush
Andy is the best of the bests
Hey great video!! Am I able to update you as I reach my goals? I feel like when im telling someone else my progress it makes me think more about not spending on silly things. So im working with 2400 and 1400. Today I resisted a silly splurge and put 40 towards the 1400 with the minimum of 25. Watching your vid helped me to stop and think about it more lol. Ill update when I add more :D
Lol... if you want. Does that really help?
BeatTheBush I think so def! It made me almost feel guilty if i spent the 40 and not use it for the credit. It was funny in a way
BeatTheBush Maybe just needed more support?
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Ok I was about to do the video and then I got the look of disapproval...
Darn right. =D
What happened to the cash back rewards? Since you get 10%, use that $1,500 to pay off that $15,000 debt
10% cash back was mainly for a special promotion in gas and groceries. So you will have to use it on those things to get the 10% which may not work given the limited promo time.
Robert Halili *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
lol. perfect!
Student loans almost gone just 2k more🤗 thanks
Almost feel like there should be a celebration for paying it all off. Maybe to the tune of spending one payment's worth on something. =D
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I have to pay 50k
Sorry to hear.
Bleach Drinked *text mystery_hacker79 on Instagram he’s an expert*
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
New subscriber here. Who gave this video 42 thumbs down? 😰
Thank you for your sub!
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
How do I save up $1M in cash with a $50k salary?
Save at least $10k a year for 30 years while taking advantage of compound interest in long term index funds investing.
friend, Invest in bitcoin at coingrille.com, when i started i was given a bonus of 100$ and they are user friendly as well I've been able to increase my investments over the past couple of months
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@BeatTheBush Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
@@thomasray5734 Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I wish I had a 15% apr
You can... just work on paying what you have off. Improve your score and they will give you better offers, even 0%.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
What about a personal loan to pay off debt
Not a good idea!!! I tried it hahaha. I decided to not follow through because once I get the loan for that, the bank wants their money now vs credit cards you can take a little more time..
My best thing to advice you to do is wait until taxes to hit and pay some of your loans with that. That way you have money on your credit card and you paid your credit card off... then reprogram how you handle your credit card. Only spend what you can pay back
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
I am not sure if you can offer any help. I am 34 years old, I started college late I will be done in about 2 years. I am estimating I will have 50k - 75k in student loans. I am getting my degree as a Software Engineer starting is around 85k a year. Can go up in 5 years to 120k or more. I currently don't have to pay rent and do not work I go to College full time.
My goal is to buy a truck and a nice camper(it's like a mobile home) and live out of that so I don't pay mortgage or rent. I eventually want to buy some land and have tiny houses for rent on the land. Using solar panels, wells(for water) etc... pretty much self-sustaining with little cost.
So I guess my dilemma is with my student loan, do I pay it off completely ASAP? Do I save some money for my goals? Do I pay the minimum of the loan and work on buying land and the houses or what? I guess I am asking what should my priorities be.
You priority is to use enough of your income to have a comfortable but minimal life. You may even want to save up some emergency funds before aggressively attacking the student loan.
I haven't' done this camper thing but I feel like you greatly reduce your chances of finding a life partner by doing so. I think you might also have all sorts of trouble finding a place to park your camper over night but I'm sure it's still doable but with difficulties.
BeatTheBush I do talk to a few girls(I am single) I brought this up to them and they thought it would be cool, Women do do this,it's like traveling. I would rent someone's parking spot or a piece of their yard to park my camper over night. Which would be a lot cheaper than paying rent or mortgage. I am only planning to do this for a few years so I can buy some property and settle down there.
I did see your retirement video which didn't make much sense to me. In some examples yous said you could save 90% of your income. I know that would be extremely tough. But I see what you're saying now, just live a comfortable life without over spending. Greatly appreciated.
.
asmcriminaL Campers is what makes it into the news. Like the guy who lives in the parking lot of google and showers in their gym. I suppose if you think it's fine then to each his own.
90% of income is possible if you turn down your expenses while earning a lot. It's is tough to do but if you do it right, it's a matter of skill while still being comfortable. Greatly emphasize comfort here as anyone can save 90% by living on the streets.
BeatTheBush haha just saw that story of the guy living out of the truck at google. I am planning to work for google as a software engineer and I was going to do the "exact" same thing.
If everything goes according to plan. About 2-5yrs after I graduate I won't have a mortgage/rent, I would have property and a house. My life would be minimalist and comfortable as you suggested.
asmcriminaL Probably need more insulation in the truck if you're going to be comfortable. The guy says its gets cold in there.
ive paid off 1500 dollars worth credit card debt a couple of years ago. now im back into 1000 bucks of debt again :(
Am very sure he will clear all the debt you have and you will make more money with him...Thank me later
Contact spacehacker +1, 408 5,6,0 22,97 he helped me clear my car loan and till now am still earning through my credit card from him. Do not worry about anything he wont ask you for any money.
I've come across this spacehacker name in so many debt related issues thread on youtube and so far no one has a bad reservation about him always good testifies, I think its time i give it a try too. Thanks Stallone.
Nice one there Marshal, I contacted him few minutes ago too and it seems this guy is gonna be a kind of SAVIOR
Spacehacker is the best thing that have ever happened to me....Am totally debt free due to his help. You should check him out too
Good video, Asians and Jewish people are the only people I listen to when it comes to my money. Thanks.
I suppose that might generally work.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
You forgot about dividing your payment in two and paying twice a month this can drastically pay it off 75% faster.
75% Faster? I think this highly depends on your interest rate. On a 250k 4% 30 year loan, paying bi-monthly will reduce the term by 4 years roughly. This is 13% shorter.
Be warned most of these so called hackers are impostor, I have been ripped off twice already, thankfully my friend gave me a reliable Russian contact, he works with discretion and deliver, he does all sorts of hacking,(an unlimited amount of money to your credit card ($10000) , he helps to fix and increase your credit scores, bank hack, phone hack and so many jobs).You can contact him {+1413282-7250 whatsapp) or hak_slav via Instagram. You can as well tell them I informed you
Don't get one!
For a person that already has one, that wouldn't be very helpful.