Thank you so much for sharing your journey. Ive been working two jobs since 2022 where I essentially everyday to get out of my debt $20,000. I’m down to $5,000. It feels good to know there are other people on the same journey trying to achieve the same goal. You can do it!!! It’s gonna suck for a while but if you stay focused you’ll come out stronger than before. I believe in you ❤
It seems like having an online influence is so important in todays digital world because millions of people can help creators nowadays. Keep up the grind, much love ❤
Thank you for your honesty. There is no shame in anyone admitting they have a problem such as credit card debt. One suggestion would be to pay off the smallest debts first. Then, close each account one after another. Your stress level will be reduced each step you take. Good luck.
I recently sold half my tech stock holdings due to all-time highs, leaving me with $400k. Should I invest in ETFs now or wait for a market correction considering potential inflation?
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Don’t give up on tackling your debt. My husband and I had a lot of debt early on in our marriage and we worked on it as a team and it got better. Just keep plugging away at it. 🙂
I feel for you, I feel your anxiety about the debt you’re in. I wish nothing but the best for you. You keep being you, you’re doing great on this platform. You’re inspiring, genuine, and I appreciate your honesty. I ended up in debt years ago, then refused to use credit cards again but now my credit is trash & can’t buy my own place. Sending you love. ❤
@ That’s where I’m at too, it gets better! You’re doing amazing! 2025 is going to be a big turning point. I believe in you, I can only imagine how in shock you are. This has just grown massively for you in just a couple of weeks, I’m so excited for you to get your first check, and to start sighing in relief that it’s all coming, and you deserve all that’s coming. 💫
@@leeunfiltered I’m just lucky I found someone willing to rent to me cheap if I did the remodeling work, it’s a blessing but I really want my own home one day. I’ll probably try to buy land & live in an rv for a while.
@ I just made bad choices, ended up in a lot of trauma, lost my job, had my car repossessed, then couldn’t pay off debt. It’s been so long now it doesn’t matter but I’ll have to start with a pre paid credit card to build any credit from past mistakes.
Thank you for being transparent. It helps. I got into credit card trouble. 2008 forced me to live on the cash from work only. All CC were closed by the banks. I still had to pay them. When I finished paying them, and CC’s were back in fashion, i only got 1. And pay it off the balance every month.
I can definitely relate to your son being Autistic and needing the right shoes. Even as an Autistic man in my 30s, I need the right pair of shoes and socks. Very much a sensory thing and after all everyone needs sturdy, comfortable and reliable shoes. You''ll get there with your debts too, it takes time and consistent focused energy to pay them off one by one
there was a time when i kept wondering why some people seemed to naturally draw others in while i was just…there. no matter what i tried, i couldn’t figure out how they did it. then someone mentioned the book Magnetic Aura by Takeshi Mizuki, and i decided to check it out. the way it explains how your aura affects everything around you? it blew me away. it’s like having a secret code to unlock your magnetic energy. this book is a game-changer.
Try not to be so hard on yourself about going into debt to survive. My parents are from El Salvador, and we also grew up low income. They did what they had to do to feed their family. The dental stuff is so real. Dental bills were a recurring subject in my house growing up. Were all doing ok now. It's great that you have caught yourself as far as the debt goes before it got really out of hand. Life sometimes has a steep learning curve. God bless.
First off I enjoy watching videos like yours. I’d like to tell you to get rid off all the cards you have. Credit one and avant- are predatory lenders and you get extra fees cuz they give credit cards to people with bad credit. So close them when you pay them off and don’t use them. Also, for transparency, I have a 780 credit score BUT I’m also in $30k of credit card debt but I’m in the process of paying it off. Started around $52k
I would start paying off the smaller ones first. Then work on the larger card amounts. At least those companies will see your starting to get good credit with them. Not to go into more debt if they increase it but good credit is always good.
Your husband has gotta get it together. No respect for using trauma as an excuse to not support your family when your wife is the only one working and taking care of the house and kids. Inexcusable.
She has taken the role of a single mother, and she is not! Mental health can be affected trying to be the "provider." You are not in Cuba. Since you are a "fighter" then you have a husband that is not doing NADA! 😮😮😮 You are very capable to live a good life for you and your kids. You are now for many years in the USA enjoy it!❤
My mom’s visa is up to her limit $5500.00 …..$44 over. Can’t use , slowly paying it off . I have a card as well. Not well here needing a functional doctor because allopathic knows nothing of my condition. A card I have on my mom’s account. Trying to get off my family, helping to pay off the credit card. Slowly here there. I think many of us are IN DEBT…..nothing to be ashamed off. Hard times brutally.
Anyways.. sorry for my last comment.. I am just shocked at the amount of credit card lines you have .. Regardless.. I was in big debt and got rid of 10,000 In just 3 months + got a few thousands in my savings account. I started budgeting and stopped eating out.. My approach was very hard.. everything I had left after my budgeting was going into the highest credit card. I also transferred to a no interest credit card the debt from another one. Which I am about to pay off soon.. and I would go from 15k credit card debt to 5k. Wish I could have done it sooner but I also started paying $1.2k a month for health insurance recently so I am trying to adjust things financially here..
And again, i went into massive debt and bankruptcy, student loans, credit cards, loans galore because i was the ONLY one working in ny 60 years...thats why.. you cant work alone in a narriage anymore. Let alone the man not working. Been there done that. So happy to be alone at 61. No more leaches, no more debt. I am not putting men down. I was also not wise in my choice of a husband.
You doing well! Your intentions is good,and i can see in you , you want to do better! Keep up the good job. Stay focus, one step at of time but make sure you change some of your life choices so you wont be back in the same cycle .
You don’t need to explain yourself about buying your son shoes etc. it’s not owed to anyone. You are working towards paying it off and bettering yourself for you and your family and that’s wonderful ❤ all the best to you! Can’t wait for you to get a utube cheque so you can really put a big dent into your debt! All the best, take care 😊
Hey Momma, Not trying to tell you what to do but you need to consolidate your credit. You have to many credit lines which is going to affect your credit score if things get messed up.
Hi Lee. I’m new to your channel so you may have already talked about doing all this. I highly recommend getting a budget in place. I would highly recommend The Budget Mom. She has lots of free resources to help you setup a budget. A budget is definitely step 1! I too am on a debt free journey. You can do this. Consistency is key. I think with your balances, I would start with the debt snowball method. Can you get on a payment plan with the dental bill and is it accruing interest? If it’s interest free I would work out a payment plan and put that money to a credit card (lowest balance one) for the debt snowball. Looking forward to following along your journey. You can do this!!!
Oh okay I’ll be checking her out! Thank you! So the dental debt is 0% interest for a year, and then after that I think interest is up there around 30%. I need to pay that off asap 😬
I admire your pluck and persistence. Credit cards can be useful but please watch out for the compound interest that accrues on these cards the longer the payments drag on.
You're doing great! I follow people on here and their debt is ,over $35,000! And they barely mention,paying any of it! If you keep working and posting, you'll knock,all of that debt out,before the end, of the year!
Not sure what state your living in but there are ways to apply for financial assistants depending on size of family and income. Also look for pantries in your community. Many people are struggling cause of the high food prices, rent, and utilities bills. best of luck.
I’m going through the same exact thing right now except I owe alot more then 8k (20k+ for me) and I feel The same way when I look at all the debt like you did in this video 😮💨 for me I had to pay my taxes and pay for living expenses over the 2024 year span, this year has been a nightmare financially I’m really hoping 2025 picks up work wise
I must commend you.💯 You’re so brave. I thought about doing similar to what you are doing here for the debt the cancer treatment for my husband put us in. Wow.. 🙌🏼 Then all the different needs for the boys. God bless you . Keep up the amazing work! Pay no mind to the nay sayers..
Don't trip my debt between 3k on credit card . Once I pay both I'm done with credit. Plus if you living rent free just put $100 stash somewhere you don't touch. The rest use for bills ,food ,gas you know. Tell your man to do lyft or Uber eats . That foo getting to comfortable. You got to tell him stop being a sorry as many and get up.
why should he do things to spend more of (her)money they do not have. lyft and uber eats is a luxury? IF HE NEEDS TO GET SOMEWHERE, WALK. IF HE NEEDS TO EAT, EAT A TOP RAMEN.
Be strong! Start a savings account just in your name to put a little of this $$$ windfall away in case things get bad again. I know this sounds mean but don't let your husband have access. And, there must be some jobs he could get no matter how low the pay. At least he would be contributing something toward grocsries, etc. Good luck. You are on the right track.
Order your cards by balance. Start with lowest, make heavy payments on it while making minimum payments on others. When its paid off, move on to the next. Do all this while living poorer than your income. Cancel all unneeded subscriptions, cook at home, find cheap entertainment at home, whatever it takes. Others might not like your lifestyle...Oh well, its your life and you make your decisions. Your total debt is not crazy amount. I don't know your income, so I know its relative, but if you follow a sound plan, you can be out of debt in no time. I had about $40,000 in debt and paid it off in about 3 years, doing my normal 9-5 job, and door dashing nights and weekends. Ended up working like 80 hour weeks. It's not the only way, but that's what I did. Once I paid off my debt, I backed way off on door dash...like maybe 5-10 hours per week, just enough for some pocket change.
@@leeunfiltered Once you catch the momentum, if you haven't already, you'll start crushing the cards and you may even become obsessive. Just stay consistent. You got it!
If you keep relying on credit cards, you will forever be owing money. Trust me, I owed $30K when I was 60 and had zero saved for retirement - it sucks! What would happen if you went totally scorched earth for a year to pay off all your debt? Sell the jewelry and anything else you can get a few bucks for, hold off on dental work, sell the car, eat one meal a day, get another job, delay cosmetology school until you can pay cash. It sounds mean, but the sooner you get rid of debt you will feel so much better!
Idk where you go to school but you should qualify for full aide and grant refund for living expenses. Do not overpay for college ,are sure it's a community college
I implemented a strict budgeting strategy to track expenses and set clear limits, while also focusing on a smart investment approach. In just six months, my investments grew by over $70k boosting my savings and financial confidence. This combined strategy has set me on track to achieve my long-term financial goals, and i'm hoping to get to a three million plus this 2025, so help me God
Working with Lorrie Greta Hillard , a financial advisor, was a game changer. She helped me refine my savings strategy, including retirement planning, and provided expert guidance on investments and budgeting to maximize my savings.
@@leeunfiltered Sorry to hear that! I pray everything works out for you and your husband. He could even consider doing a UA-cam channel about his mental health because there are a lot of people that need help also. God bless!
@leeunfiltered if you're going to put your personal business on a platform people will give you their opinions whether they are good or bad. Instead of complaining on UA-cam you should channel your energy into an education or training to get a good job
i remember this one time i felt like no matter what i did, people just didn’t notice me. i tried everything-confidence boosters, social tips, you name it-but nothing seemed to work. then i found this book, Magnetic Aura by Takeshi Mizuki, and it completely shifted how i saw myself. it’s not just about being noticed; it’s about understanding the energy you project. honestly, this book made all the difference for me. if you’ve ever felt invisible, you need to read it.
At one time I was in credit card debt $20,000 I’m honestly want to tell you it’s going to be hard paying for those credit cards working part time at Marshall’s you need to find a second job and all the money from your second job plus utube money put it all to your credit card 💳 debt and start working from the least you owe to the highest that’s the only way to pay messing with credit card is very bad because those high interest when your only paying minimum payments I know I been there I paid all the money from my credit card and I only had one having to many credit cards is very dangerous. May god help you in your journey.
The second job is her husband. He needs to be working and stop using his issues as an excuse. Even if he just works part time or something. He can’t keep making excuses forever. She and the children deserve him to at least try.
@ no her husband doesn’t have a job half of the time and he has his own bills sometimes she gives him money I’m just trying to help that’s what I did and paid off debt I’m not trying to criticize I’m trying to help.
@@budgetwithfatima6530 I get that but it still doesn’t excuse the fact that he’s not working and he’s just giving her constant excuses. He needs to be helping her. She shouldn’t have to take a second job just because he’s lazy.
Those are some high interest CC's you're constantly rolling balances on. Paying high interest on balances because you fail to pay off what you used is a complete waste of money. I get that you may have to live on your CC's but then that means you NEED to get realistic on your wants vs. your needs. You need to write down and make it real what you spend your money on and really start eliminating the garbage. Once you write down dollar for dollar your expenses you will see the waste. Living in credit card debit can drive your blood pressure through the roof and the sad thing is you have utilized your CC's to the max and have nothing in available credit. You're broke and you have no safety net in your CC's either. Honey, you need a reality check.
i remember feeling like i was always the one fading into the background while others stood out effortlessly. it was frustrating and made me doubt myself a lot. then i came across this book, Magnetic Aura by Takeshi Mizuki, and it showed me things i’d never even considered. it’s not just a self-help book; it’s like a guide to understanding your own energy and using it to connect with people. if you’ve ever felt like you’re not seen, this book might change everything.
Try calling the credit card companies and ask them if they can lower your balance or interest rate to help you pay it off quicker. Pay off the smallest so you can see progress and add that amount to your next one. Cut them up and close them as you pay them off.
Finances should be something both partners in a marriage work on together. Does your husband have discussions with you on your debt and also plans to get your family on your feet? Or are you making all decisions on your own?
This is tough. I’ve definitely made poor financial decisions in the past. Especially before I understand how credit works. I hope you get out of debt, close the cards, and learn from your mistakes. Using credit in a situation when you don’t have a job is not a good idea. I would definitely try to have an emergency fund and choose public transit and food banks if those are options.
I went to cosmetology school too but dropped out, the stupidest thing to have dropped out, but I wanted to share that on Temu I bought a mannequin head and stand for like around $20 for both.
Getting a decent job can be hard. Try to stay healthy and drive less. Can you be a care taker or get work as a costumer service representative? Not sure if you can do NJ it, but spend less, just focus on medical expenses and buy from goodwill. Goodwill has good stuff and the fleamarket, garage sales. What do you want or need in life?
Credit card debt for necessities is understandable. I know people who’ve rung up 10s of thousands for fancy Coach bags and expensive dinners. That’s just dumb.
Dear LORD you are just getting DEEPER! Big mistake. Remember your BROKE! Stop! The credit cards! CUT THEM OFF !😡😡😡😡 am starting to feel that you have NO HOPE! Sad ending 😢
i used to think being magnetic was just about looks or confidence, but i couldn’t have been more wrong. i read this book called Magnetic Aura by Takeshi Mizuki, and it totally changed my perspective. it breaks down the energy and mindset behind true attraction in a way that just makes sense. once i started applying what it taught, i noticed people reacting to me differently almost instantly. it’s seriously worth a read.
Why would you get credit cards when you dont have a job and put yourself in debt? They have these wonderful places where you can eat for free called soup kitchens.
@ glad to hear. I hope my comment wasn’t too harsh. I don’t know your situation but I want you to know your worth and I am proud of you for handling it the best way you can. 😘
You don’t have to explain why you bought shoes for your son. We know that you weren’t working and needed to buy food and gas. I am glad you are working so hard to pay off your debt. You are being responsible now. Good for you!!
it's not much debt, but key is not take new debt Medical debt sucks most, but I guess this is what happens when we become too capitalistic. I owe 3.3k gbp, borrowed 5.8k gbp - I am unemployed and I been paying off repayments of 160 since last year. Once I get some job again, will be paid in no time. You will be fine, but live within means as much as possible and try to find additional ways to make income (overtime, 2nd job) until this stuff is paid
Do you use Every Dollar or something like that to plan your spending? Do you and your husband budget together each month to ensure you are able to make ends meet?
Stop pillig up your bills.what you doing asking for pity so stupid people send you money.All you do on your channel. Is complain a lot.dental husband can,t work.ferdit cards bills than you sat the total you owe,so stop spending stop complaining be responsible for your doing and begging.
You listen here Mama You buy whatever you want to get for your babies If you want to buy them things to make them smile especially during these hard times .. you do that Life is too short … you don’t have to explain yourself and what you buy for your family so happy for you and no matter what with or without YT … you remember that you have what it takes to make the life you want or even a version of it .
@@chrislambert2090 I didn’t mean being exorbitant I just meant her reference to buying the shoes for her kid and buying them small things in CVS treats to make them smile
Get the interest rates for each debt and pay them off from highest to lowest rate. When you’re out of debt, buy assets that pay you high interest. Interest should be income not an expense.
You’re doing great keep it going Post videos about family issues because a lot of people are having them and do not dare to talk about it with no one Talk about the fact that you are a 30-year-old woman that has a husband that is 10 years older and how that is for you and him . A lot of women married and have children very early, especially Latin women and then they end up getting divorced or leaving their older man. This is real.
She deleted it...put it to private. Really she should not be on here talking about her husband like that. I have never even heard a divorce person talking about their husband like that. She just seems clueless. I feel sorry for her.
payoff the small balances first and close the account. credit card companies love you as an interest paying customer. if you are not willing to go without some perks for a while to get these paid off then its going to be a long journey.
Wow! You have a lot debts! Now I get why you are so gratefuL! And I don’t know why you even thinking to do a giveaway having all those debts! Take care to those debts first and then plan your moving to Florida!
Those are barely debts. Yes, when you’re not making much, it seems a lot, but there are people who have thousands, upon thousands of dollars of debt. She just needs to stop using them
Credit cards are so bad ! I understand you need to survive . But , look at all the debt you have now with credit cards . Can your husband work from home maybe ?
Ok I have to be honest with u listening to what u just said in this whole video im going to be truly honest and blunt ,U are not a credit card person at all.like not at all.U need to cut up all these cards pay them off and never get a card at all and start saving up. emergency fund ,u cant not be doing this to yourself.u are hurting your financial future and your kids are important please dont take this to heart im telling u this because I want u to be free from this money problems u are having in your life.I want u to win with money I want u to understand the meaning of what true peace is and its financial peace.money is a tool.thats all it will ever be and when u use this tool to effect your future it hits u so heard in life that u cant get by.
I understand that people are struggling, but what I don’t understand is why don’t people find a trade or a career ..put in the little bit of sacrifice so that you don’t have to work as a cashier make a minimum wage or $12 an hour. Find a job that gives you growth and opportunity to make more money. I understand not everyone can afford school but like for me I work at a car dealership answering the phone, making $9 dollars an hour. And then slowly learning to become a service advisor while working & getting paid. I hope you find a better job. Crash champion is the company I work for maybe you can apply.
I been there done that use credit for pastor groceries gas please pay as much possible Yuo can do Yuo can pay one the most stuck to one like this one care credit pay off them go to the next one highest then continue but still continue to also pay the others
Thank you so much for sharing your journey. Ive been working two jobs since 2022 where I essentially everyday to get out of my debt $20,000. I’m down to $5,000. It feels good to know there are other people on the same journey trying to achieve the same goal. You can do it!!! It’s gonna suck for a while but if you stay focused you’ll come out stronger than before. I believe in you ❤
Every credit card eliminated means that payment can now go to the next one. You'll get there before you know it. You go, girl!
Yep thats how I do it!
Thanks!
Thank you so much!!! I’m putting this towards my debt!
Pay off the smaller ones. The less cards you have, the better you will feel.😊
It seems like having an online influence is so important in todays digital world because millions of people can help creators nowadays. Keep up the grind, much love ❤
yes its true!!!
Thank you for your honesty. There is no shame in anyone admitting they have a problem such as credit card debt. One suggestion would be to pay off the smallest debts first. Then, close each account one after another. Your stress level will be reduced each step you take. Good luck.
You go, girl!
oh my god thank you!!!!!
@@leeunfiltered❤
Your an earth angel ty for giving this lil mama a hand up!! ✌️
Your debt isn't insurmountable, but I imagine it's definitely a burden. Wishing you all the best on your journey.
Don't work for money; make money work for you. Invest wisely today to create the freedom you desire tomorrow.🇺🇲
Many new tra-ders face challenges without proper guidance. I found success by learning from James Clark's expertise.
I recently sold half my tech stock holdings due to all-time highs, leaving me with $400k. Should I invest in ETFs now or wait for a market correction considering potential inflation?
Celebrating a $30k stock portfolio today from a $6k start. Investing wisely has given me time for family and future plans.
James Clark's market insights have consistently led to profitable decisions.
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Slow and steady wins the race. ❤
Don’t give up on tackling your debt. My husband and I had a lot of debt early on in our marriage and we worked on it as a team and it got better. Just keep plugging away at it. 🙂
I feel for you, I feel your anxiety about the debt you’re in. I wish nothing but the best for you. You keep being you, you’re doing great on this platform. You’re inspiring, genuine, and I appreciate your honesty.
I ended up in debt years ago, then refused to use credit cards again but now my credit is trash & can’t buy my own place. Sending you love. ❤
Man I’m sorry to hear that I can’t buy a house either I’ll probably have to live in a mobile home or Rv
@ That’s where I’m at too, it gets better! You’re doing amazing! 2025 is going to be a big turning point. I believe in you, I can only imagine how in shock you are. This has just grown massively for you in just a couple of weeks, I’m so excited for you to get your first check, and to start sighing in relief that it’s all coming, and you deserve all that’s coming. 💫
@@leeunfiltered I’m just lucky I found someone willing to rent to me cheap if I did the remodeling work, it’s a blessing but I really want my own home one day. I’ll probably try to buy land & live in an rv for a while.
@@Theneurodivergentcreative You say your credit is garbage right now. Why? Did you not pay off the debt? Thanks for answering, just curious.
@ I just made bad choices, ended up in a lot of trauma, lost my job, had my car repossessed, then couldn’t pay off debt. It’s been so long now it doesn’t matter but I’ll have to start with a pre paid credit card to build any credit from past mistakes.
Thank you for being transparent. It helps. I got into credit card trouble. 2008 forced me to live on the cash from work only. All CC were closed by the banks. I still had to pay them. When I finished paying them, and CC’s were back in fashion, i only got 1. And pay it off the balance every month.
I completely understand...I'm going through very hard times now too... Appreciate your honesty... Things will get better 🙏
Same here unfortunately 😢 but I'm thankful for what I do have 🙏
I can definitely relate to your son being Autistic and needing the right shoes. Even as an Autistic man in my 30s, I need the right pair of shoes and socks. Very much a sensory thing and after all everyone needs sturdy, comfortable and reliable shoes. You''ll get there with your debts too, it takes time and consistent focused energy to pay them off one by one
I'm autistic and always wondered why I need new shoes often. Mines break easily and plastic falls off. Thanks for the info.
Thanks for your story. The struggle is real out there... Keep your head up and keep moving.
I'm here for your journey to become credit card debt free. God bless 🙏
You’re the sweetest!! I hope all wonderful things for you in 2025! ☺️
there was a time when i kept wondering why some people seemed to naturally draw others in while i was just…there. no matter what i tried, i couldn’t figure out how they did it. then someone mentioned the book Magnetic Aura by Takeshi Mizuki, and i decided to check it out. the way it explains how your aura affects everything around you? it blew me away. it’s like having a secret code to unlock your magnetic energy. this book is a game-changer.
No
Try not to be so hard on yourself about going into debt to survive. My parents are from El Salvador, and we also grew up low income. They did what they had to do to feed their family. The dental stuff is so real. Dental bills were a recurring subject in my house growing up. Were all doing ok now. It's great that you have caught yourself as far as the debt goes before it got really out of hand. Life sometimes has a steep learning curve. God bless.
First off I enjoy watching videos like yours. I’d like to tell you to get rid off all the cards you have. Credit one and avant- are predatory lenders and you get extra fees cuz they give credit cards to people with bad credit. So close them when you pay them off and don’t use them. Also, for transparency, I have a 780 credit score BUT I’m also in $30k of credit card debt but I’m in the process of paying it off. Started around $52k
I would start paying off the smaller ones first. Then work on the larger card amounts. At least those companies will see your starting to get good credit with them. Not to go into more debt if they increase it but good credit is always good.
Your husband has gotta get it together. No respect for using trauma as an excuse to not support your family when your wife is the only one working and taking care of the house and kids. Inexcusable.
Absolutely. If I can work full time at age 65, a younger person surely can.
She has taken the role of a single mother, and she is not! Mental health can be affected trying to be the "provider." You are not in Cuba. Since you are a "fighter" then you have a husband that is not doing NADA! 😮😮😮 You are very capable to live a good life for you and your kids. You are now for many years in the USA enjoy it!❤
@@plumeriajoywell said.. I'm sad she doesn't even share a bedroom w him.. she sleeps w the kids
@asabovesobelow7981 WOW! I can honestly think of the saying: You teach people how to treat you. She needs therapy big time🥺
My mom’s visa is up to her limit $5500.00 …..$44 over. Can’t use , slowly paying it off . I have a card as well. Not well here needing a functional doctor because allopathic knows nothing of my condition. A card I have on my mom’s account. Trying to get off my family, helping to pay off the credit card. Slowly here there. I think many of us are IN DEBT…..nothing to be ashamed off. Hard times brutally.
Anyways.. sorry for my last comment.. I am just shocked at the amount of credit card lines you have ..
Regardless.. I was in big debt and got rid of 10,000 In just 3 months + got a few thousands in my savings account.
I started budgeting and stopped eating out..
My approach was very hard.. everything I had left after my budgeting was going into the highest credit card.
I also transferred to a no interest credit card the debt from another one. Which I am about to pay off soon.. and I would go from 15k credit card debt to 5k.
Wish I could have done it sooner but I also started paying $1.2k a month for health insurance recently so I am trying to adjust things financially here..
And again, i went into massive debt and bankruptcy, student loans, credit cards, loans galore because i was the ONLY one working in ny 60 years...thats why.. you cant work alone in a narriage anymore. Let alone the man not working. Been there done that.
So happy to be alone at 61. No more leaches, no more debt. I am not putting men down. I was also not wise in my choice of a husband.
Same here, BTDT for exactly this reason. Went from having great credit to bankruptcy because had child w/ a man who refused to work.
@@olgab.3961indeed. We live and we learn. I'm sure Lee will in her own time too. ❤
You doing well! Your intentions is good,and i can see in you , you want to do better! Keep up the good job. Stay focus, one step at of time but make sure you change some of your life choices so you wont be back in the same cycle .
keep going !! and would love to see more of the budgeting strategy breakdown - thanks for sharing your story
Lol Im Autistic and at one point I went through a pair of shoes every 2-3 months. That's so funny. I never heard of anothe person having that problem.
Yes!!
I saw your other video where you mentioned you paid part of a credit card off. Smart choice 😊
You don’t need to explain yourself about buying your son shoes etc. it’s not owed to anyone. You are working towards paying it off and bettering yourself for you and your family and that’s wonderful ❤ all the best to you! Can’t wait for you to get a utube cheque so you can really put a big dent into your debt! All the best, take care 😊
Hang in there. I am rooting for you. ❤ 🙏
Hey Momma, Not trying to tell you what to do but you need to consolidate your credit. You have to many credit lines which is going to affect your credit score if things get messed up.
U could go to a nearest university and their graduate students will do dental work for way less than a dental office
Hi Lee. I’m new to your channel so you may have already talked about doing all this. I highly recommend getting a budget in place. I would highly recommend The Budget Mom. She has lots of free resources to help you setup a budget. A budget is definitely step 1! I too am on a debt free journey. You can do this. Consistency is key. I think with your balances, I would start with the debt snowball method. Can you get on a payment plan with the dental bill and is it accruing interest? If it’s interest free I would work out a payment plan and put that money to a credit card (lowest balance one) for the debt snowball. Looking forward to following along your journey. You can do this!!!
Oh okay I’ll be checking her out! Thank you! So the dental debt is 0% interest for a year, and then after that I think interest is up there around 30%. I need to pay that off asap 😬
You got this girl!!! Keep on keeping on!!!
I admire your pluck and persistence. Credit cards can be useful but please watch out for the compound interest that accrues on these cards the longer the payments drag on.
Keep it up. Sooner than you know it. You'll be debt free. It takes time and commitment.
You're doing great! I follow people on here and their debt is ,over $35,000! And they barely mention,paying any of it! If you keep working and posting, you'll knock,all of that debt out,before the end, of the year!
yess!! I am trying!! thank you!!
@@leeunfiltered I want pleasure
@@leeunfiltered Keep Going! Stay Strong! You're doing great!
Not sure what state your living in but there are ways to apply for financial assistants depending on size of family and income. Also look for pantries in your community. Many people are struggling cause of the high food prices, rent, and utilities bills. best of luck.
I think a lot of families are in debt. Pick the one you have the most money on. ❤
I’m going through the same exact thing right now except I owe alot more then 8k (20k+ for me) and I feel
The same way when I look at all the debt like you did in this video 😮💨 for me I had to pay my taxes and pay for living expenses over the 2024 year span, this year has been a nightmare financially I’m really hoping 2025 picks up work wise
You've got this 🙏
I must commend you.💯
You’re so brave. I thought about doing similar to what you are doing here for the debt the cancer treatment for my husband put us in. Wow.. 🙌🏼 Then all the different needs for the boys. God bless you . Keep up the amazing work! Pay no mind to the nay sayers..
Don't trip my debt between 3k on credit card . Once I pay both I'm done with credit. Plus if you living rent free just put $100 stash somewhere you don't touch. The rest use for bills ,food ,gas you know. Tell your man to do lyft or Uber eats . That foo getting to comfortable. You got to tell him stop being a sorry as many and get up.
why should he do things to spend more of (her)money they do not have. lyft and uber eats is a luxury? IF HE NEEDS TO GET SOMEWHERE, WALK. IF HE NEEDS TO EAT, EAT A TOP RAMEN.
@@sh0t0kanthey meant for him to be a Lyft or Uber Eats driver, so he could earn some money and contribute to the household.
Be strong! Start a savings account just in your name to put a little of this $$$ windfall away in case things get bad again. I know this sounds mean but don't let your husband have access. And, there must be some jobs he could get no matter how low the pay. At least he would be contributing something toward grocsries, etc. Good luck. You are on the right track.
Order your cards by balance. Start with lowest, make heavy payments on it while making minimum payments on others. When its paid off, move on to the next. Do all this while living poorer than your income. Cancel all unneeded subscriptions, cook at home, find cheap entertainment at home, whatever it takes. Others might not like your lifestyle...Oh well, its your life and you make your decisions.
Your total debt is not crazy amount. I don't know your income, so I know its relative, but if you follow a sound plan, you can be out of debt in no time. I had about $40,000 in debt and paid it off in about 3 years, doing my normal 9-5 job, and door dashing nights and weekends. Ended up working like 80 hour weeks. It's not the only way, but that's what I did. Once I paid off my debt, I backed way off on door dash...like maybe 5-10 hours per week, just enough for some pocket change.
Yes, that’s what I’m doing. I already paid one credit card and it was a $300 balance. I’m going to do a $220 balance today.
@@leeunfiltered Once you catch the momentum, if you haven't already, you'll start crushing the cards and you may even become obsessive. Just stay consistent. You got it!
If you keep relying on credit cards, you will forever be owing money. Trust me, I owed $30K when I was 60 and had zero saved for retirement - it sucks! What would happen if you went totally scorched earth for a year to pay off all your debt? Sell the jewelry and anything else you can get a few bucks for, hold off on dental work, sell the car, eat one meal a day, get another job, delay cosmetology school until you can pay cash. It sounds mean, but the sooner you get rid of debt you will feel so much better!
Idk where you go to school but you should qualify for full aide and grant refund for living expenses. Do not overpay for college ,are sure it's a community college
I implemented a strict budgeting strategy to track expenses and set clear limits, while also focusing on a smart investment approach. In just six months, my investments grew by over $70k boosting my savings and financial confidence. This combined strategy has set me on track to achieve my long-term financial goals, and i'm hoping to get to a three million plus this 2025, so help me God
that’s incredible! What’s the secret behind this strategy? How did you manage to save up so much so quickly?
Working with Lorrie Greta Hillard , a financial advisor, was a game changer. She helped me refine my savings strategy, including retirement planning, and provided expert guidance on investments and budgeting to maximize my savings.
Got it! Thanks for the tip! I was curious, so I looked up Lorrie
that's an incredible goal to set 2025
Did the video about the husband struggling to keep a job get deleted?
Yes I made it private because people were saying lots of mean things, sorry about that
@@leeunfiltered Sorry to hear that! I pray everything works out for you and your husband. He could even consider doing a UA-cam channel about his mental health because there are a lot of people that need help also. God bless!
@leeunfiltered if you're going to put your personal business on a platform people will give you their opinions whether they are good or bad. Instead of complaining on UA-cam you should channel your energy into an education or training to get a good job
i remember this one time i felt like no matter what i did, people just didn’t notice me. i tried everything-confidence boosters, social tips, you name it-but nothing seemed to work. then i found this book, Magnetic Aura by Takeshi Mizuki, and it completely shifted how i saw myself. it’s not just about being noticed; it’s about understanding the energy you project. honestly, this book made all the difference for me. if you’ve ever felt invisible, you need to read it.
Credit cardis a dangerous swamp for people who are on the tight budget.
Most watched youtubers are doing cooking or DIY channel
At one time I was in credit card debt $20,000 I’m honestly want to tell you it’s going to be hard paying for those credit cards working part time at Marshall’s you need to find a second job and all the money from your second job plus utube money put it all to your credit card 💳 debt and start working from the least you owe to the highest that’s the only way to pay messing with credit card is very bad because those high interest when your only paying minimum payments I know I been there I paid all the money from my credit card and I only had one having to many credit cards is very dangerous. May god help you in your journey.
The second job is her husband. He needs to be working and stop using his issues as an excuse. Even if he just works part time or something. He can’t keep making excuses forever. She and the children deserve him to at least try.
@ no her husband doesn’t have a job half of the time and he has his own bills sometimes she gives him money I’m just trying to help that’s what I did and paid off debt I’m not trying to criticize I’m trying to help.
@@budgetwithfatima6530 I get that but it still doesn’t excuse the fact that he’s not working and he’s just giving her constant excuses. He needs to be helping her. She shouldn’t have to take a second job just because he’s lazy.
I been there done that, after a certain amount of time in collections theyll write it off, it is stressful being in debt
Those are some high interest CC's you're constantly rolling balances on. Paying high interest on balances because you fail to pay off what you used is a complete waste of money.
I get that you may have to live on your CC's but then that means you NEED to get realistic on your wants vs. your needs. You need to write down and make it real what you spend your money on and really start eliminating the garbage. Once you write down dollar for dollar your expenses you will see the waste. Living in credit card debit can drive your blood pressure through the roof and the sad thing is you have utilized your CC's to the max and have nothing in available credit. You're broke and you have no safety net in your CC's either.
Honey, you need a reality check.
Send good energy to hubby so he can find work
Being negative don't help ignore the hate and keep being a good mom and wife to your family
Everything will be good I'm back on second shift ATM this week saving to go out of state a while from now gonna visit Minnesota
Debt snowball is the answer. Ive paied off 7 of 14 debts in one yr this way. 🎉❤😊
i remember feeling like i was always the one fading into the background while others stood out effortlessly. it was frustrating and made me doubt myself a lot. then i came across this book, Magnetic Aura by Takeshi Mizuki, and it showed me things i’d never even considered. it’s not just a self-help book; it’s like a guide to understanding your own energy and using it to connect with people. if you’ve ever felt like you’re not seen, this book might change everything.
Try calling the credit card companies and ask them if they can lower your balance or interest rate to help you pay it off quicker. Pay off the smallest so you can see progress and add that amount to your next one. Cut them up and close them as you pay them off.
Finances should be something both partners in a marriage work on together. Does your husband have discussions with you on your debt and also plans to get your family on your feet? Or are you making all decisions on your own?
Seems she's on her own she 😔
This is tough. I’ve definitely made poor financial decisions in the past. Especially before I understand how credit works. I hope you get out of debt, close the cards, and learn from your mistakes. Using credit in a situation when you don’t have a job is not a good idea. I would definitely try to have an emergency fund and choose public transit and food banks if those are options.
Rooting for you!
In this dire situation did you apply for benefits to help or do you utilize local food pantries/resources ?
Same here Credits are much, God will definitely provide to clear it all up.
Yep … the debt snowball works.
I went to cosmetology school too but dropped out, the stupidest thing to have dropped out, but I wanted to share that on Temu I bought a mannequin head and stand for like around $20 for both.
Getting a decent job can be hard. Try to stay healthy and drive less. Can you be a care taker or get work as a costumer service representative? Not sure if you can do NJ it, but spend less, just focus on medical expenses and buy from goodwill. Goodwill has good stuff and the fleamarket, garage sales. What do you want or need in life?
Credit card debt for necessities is understandable. I know people who’ve rung up 10s of thousands for fancy Coach bags and expensive dinners. That’s just dumb.
Dear LORD you are just getting DEEPER! Big mistake. Remember your BROKE! Stop! The credit cards! CUT THEM OFF !😡😡😡😡 am starting to feel that you have NO HOPE! Sad ending 😢
I just got out a financial debt credit card situation 2 months ago it was called alleviate it's for dept over 10K
i used to think being magnetic was just about looks or confidence, but i couldn’t have been more wrong. i read this book called Magnetic Aura by Takeshi Mizuki, and it totally changed my perspective. it breaks down the energy and mindset behind true attraction in a way that just makes sense. once i started applying what it taught, i noticed people reacting to me differently almost instantly. it’s seriously worth a read.
Is there a Amazon warehouse in your area for FT or flex/partime. Do not work driving flex. Pay is high but work load can be difficult at some jobs.
Why would you get credit cards when you dont have a job and put yourself in debt? They have these wonderful places where you can eat for free called soup kitchens.
I don't see that video!
I think she removed it, as I don’t see it either. I commented on it. I don’t think the comments were going well. ☹️
@AMadWomansDiary I’m getting ready to put it back up with a better description
@ glad to hear. I hope my comment wasn’t too harsh. I don’t know your situation but I want you to know your worth and I am proud of you for handling it the best way you can. 😘
You don’t have to explain why you bought shoes for your son. We know that you weren’t working and needed to buy food and gas. I am glad you are working so hard to pay off your debt. You are being responsible now. Good for you!!
it's not much debt, but key is not take new debt
Medical debt sucks most, but I guess this is what happens when we become too capitalistic.
I owe 3.3k gbp, borrowed 5.8k gbp - I am unemployed and I been paying off repayments of 160 since last year.
Once I get some job again, will be paid in no time.
You will be fine, but live within means as much as possible and try to find additional ways to make income (overtime, 2nd job) until this stuff is paid
Do you use Every Dollar or something like that to plan your spending? Do you and your husband budget together each month to ensure you are able to make ends meet?
Stop pillig up your bills.what you doing asking for pity so stupid people send you money.All you do on your channel. Is complain a lot.dental husband can,t work.ferdit cards bills than you sat the total you owe,so stop spending stop complaining be responsible for your doing and begging.
You listen here Mama
You buy whatever you want to get for your babies
If you want to buy them things to make them smile especially during these hard times .. you do that
Life is too short … you don’t have to explain yourself and what you buy for your family
so happy for you and no matter what with or without YT … you remember that you have what it takes to make the life you want or even a version of it .
Bad advice
You won't be the one paying the bill when it comes due
@@chrislambert2090 I didn’t mean being exorbitant I just meant her reference to buying the shoes for her kid and buying them small things in CVS treats to make them smile
Get the interest rates for each debt and pay them off from highest to lowest rate. When you’re out of debt, buy assets that pay you high interest. Interest should be income not an expense.
Pay off the cards with the highest interest rate first.
YOU SHOULD FIND YOU A LOW INTEREST RATE AND CONSOLIDATE ALL THE CARDS
You’re doing great keep it going
Post videos about family issues because a lot of people are having them and do not dare to talk about it with no one
Talk about the fact that you are a 30-year-old woman that has a husband that is 10 years older and how that is for you and him .
A lot of women married and have children very early, especially Latin women and then they end up getting divorced or leaving their older man. This is real.
Where is the video about your husband?
Btw love your lipstick!
She deleted it...put it to private. Really she should not be on here talking about her husband like that. I have never even heard a divorce person talking about their husband like that. She just seems clueless. I feel sorry for her.
@@cherb3145oh, I see ... Thanks for the heads up!
@@cherb3145Well when you have every other comment asking wheres your husband? Why aint your husband working? Its kinda hard to ignore comments.
payoff the small balances first and close the account. credit card companies love you as an interest paying customer. if you are not willing to go without some perks for a while to get these paid off then its going to be a long journey.
That’s awesome, after debt payoff, maybe you can actually start saving some money for your future (retirement) and kids’ college fund.
Wow! You have a lot debts! Now I get why you are so gratefuL! And I don’t know why you even thinking to do a giveaway having all those debts! Take care to those debts first and then plan your moving to Florida!
Those are barely debts. Yes, when you’re not making much, it seems a lot, but there are people who have thousands, upon thousands of dollars of debt. She just needs to stop using them
I would have sworn you were Puertorican. I'm surprised you're Cuban. Interesting!
Pay the one with the highest interest rates.
Consolidate your debt at a lower interest rate
How do I do this??
Some of your videos I can hear some I can't I'm going to have to pass on this one
Credit cards are so bad ! I understand you need to survive . But , look at all the debt you have now with credit cards . Can your husband work from home maybe ?
« Credit cards are like snakes: Handle 'em long enough, and one will bite you. » ─ Elizabeth Warren 💳🐍
Ok I have to be honest with u listening to what u just said in this whole video im going to be truly honest and blunt ,U are not a credit card person at all.like not at all.U need to cut up all these cards pay them off and never get a card at all and start saving up. emergency fund ,u cant not be doing this to yourself.u are hurting your financial future and your kids are important please dont take this to heart im telling u this because I want u to be free from this money problems u are having in your life.I want u to win with money I want u to understand the meaning of what true peace is and its financial peace.money is a tool.thats all it will ever be and when u use this tool to effect your future it hits u so heard in life that u cant get by.
I understand that people are struggling, but what I don’t understand is why don’t people find a trade or a career ..put in the little bit of sacrifice so that you don’t have to work as a cashier make a minimum wage or $12 an hour. Find a job that gives you growth and opportunity to make more money. I understand not everyone can afford school but like for me I work at a car dealership answering the phone, making $9 dollars an hour. And then slowly learning to become a service advisor while working & getting paid. I hope you find a better job. Crash champion is the company I work for maybe you can apply.
I been there done that use credit for pastor groceries gas please pay as much possible Yuo can do Yuo can pay one the most stuck to one like this one care credit pay off them go to the next one highest then continue but still continue to also pay the others
Wow thats alot but you can do it!
Не падать духом.❤❤❤❤❤❤❤❤