I'm debt free! ... now what? | My Debt Free Journey 💸 *$55,000 total*
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- Опубліковано 23 вер 2023
- thanks for watching ✨ Wooohooo!!!
financial freedom, debt free journey
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✨ About me: ✨
Hi, I’m Zoe! (Pronounced like Zoey) I’m a 26 year old from Montreal making videos about my REAL life. After quitting my management consulting "dream job", then being laid off from a startup job, I decided to take a chance and work for myself. I'm now mainly focused on UA-cam (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I'm living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe 💝
have you ever had debt?
Congratulations!! I recently watched your vid on knocking out your student loan debt and it was such an inspiration. I have student loan and consumer CC debt, which is what gave me the motivation to take control of my finances and really make my money work for ME, instead of feeling like I was living paycheck to paycheck and a slave to my money. Your videos have consistently offered a breath of fresh air with your abundance mindset and the kindness and grace you show yourself throughout the entire process of setting, working towards, and achieving your financial (and overall life) goals. Keep doing what you're doing! Sending love and positivity from NJ xx
No
Hi Zoe!! I've never had debt but that's because I'm super anxious with my money spending😅ahahah. I always try to stick to my money budget and never get tempted to get out of it
@@filipaalvesferreira6178 Oh, the shaking and tears of anxiety the thought brings! I concur with your experience, no doubt thanks to crippling fear!
Yes.osap and credit card
I got into 7k of CC debt in order to move off of my sister's couch after college. I am only a few weeks away from paying it off after almost a year of working really hard to whittle it down! After that I will tackle my 35k in student loans. It's really nice to hear your story. Congratulations
that’s incredible!! so happy for you 🩷💸 keep up the amazing work!
Wow, okay thank you so much for commenting about your experience! I have about 7k of cc debt as well and calculating how quick I’ll be able to pay it off left me a bit discouraged because it’s going to take me about a year as well. Everyone seems to be making tons of money and paying things off super quick so I felt like it would take so long for me to do that much compared to others. I feel a lot better now that I know you’ve done the same as what I’m about to try. Thanks!
I have $21k out of my original $57k left to pay off. This video inspired me to keep going. Thanks for sharing your journey with us Zoe, and congrats!!
ahhh you’re doing amazing!!! keep it up 🩷✨ and thank you!
Keep going. The financial peace you'll achieve will keep you from going back into debt.
I dont know if its slightly different in Canada, but I just recently paid off my car and it didnt fully hit me that the car was mine until I opened the mail one day shortly after paying, and it contained the car deed! I kinda forgot I would receive that and it was such a great feeling! Congrats to you!
I feel like most financial UA-camrs are like "I just paid off my 3rd house." I feel like you're an average American that inspires others with more realistic numbers. Thank you.
average Canadian 😉 but yes haha
Congratulations Zoe! HUGE girl, HUGE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been credit card debt free since June of this year. Feels SOOOOOOOOOOO good. I still have a mortgage and a car payment that will be paid off in Feb of 2025. I am so happy for you.
yayyy amazing achievement 😍😍😍 so happy for you! and THANK YOU 🩷
WICKED. I'm so proud of you. I became debt free last year and the feeling of no longer being a debt slave is amazing. Enjoy it.
amaaaazing!! So happy for you! and thank you 💖
Congrats on your consistent hard work to get debt free!
thank you so much!! 🩷🩷
I'm terrified of completion as well and my thereapist actually said it is a form of anxiety and OCD. She diagnosed me with both.
so interesting!!
same I'd love to know more about why its related to anxiety / OCD!
I started a sinking fund this time last year for Christmas gifts and it was a game changer! It felt so nice going into January and only having a little left to pay off on my credit card because I had already saved up for it in advance. I've kept it going this entire year for gifts, and each paycheque I contribute a small amount into a savings account.
Once I'm debt free, I want to have a sinking fund for trips.
This is amazing Zoe, following your journey has been so insightful for us. Congratulations 🎉
Congrats Zoe!!! Great job on paying off your debt and good luck with all your future plans! I have about $26,000 of student loans to pay off on a low income but I feel more motivated than ever to get it done! Thanks for always being our inspiration!
Isn't the whole idea of going into debt for a degree is to earn more money ??
Yay I'm so happy for you! This is so motivating and can't wait to join you on your investing/saving journey!
Congrats! It's such an incredibly freeing feeling!
I am so happy for you Zoe. You have achieved a lot in a very short period of time and I can't wait to see the amazing things you are going to achieve in the future. Thank you for sharing your journey with us. 🥰
YAY, Zoe!!! It feels wonderful to unload debt!!! Celebrate your dedication that accomplished this!
Congratulations Zoe! I am so proud of you!! I really enjoyed following you along this journey 🩷
Congratulations! What a testament to your willpower, perseverance, and choice to take life in hand rather than the other way round. Well deserved!
Congrats, girl! 🥳🍾🎉🎉🎉🎉I’m so proud of your progression. It’s so affirming to see as I have recently started my debt free journey. Seeing content like this keeps me encouraged 💖💖💖💖
CONGRATS! Becoming debt free is such a great feeling, hold onto it and celebrate it as long as you can
Incredibly happy for you!!! 🎉 Enjoy your financial freedom! Woot woot
Congrats Zoe! Have been following you for a few years now and its amazing to see how much progress and growth you’ve made both with your finances and as a person! ❤
Yay so proud of you Zoe! Congrats ❤
Congrats Zoe! I am also working in paying off my debt and this video inspires me so much 🎉❤😊
So so so proud of you! And I’m honestly proud to be a part of your community here on UA-cam ❤❤
CONGRATULATIONS ZOE!!! You make feel motivated for my debt!! ❤
Congrats Zoe! That’s great. I really like your analogy of the house and paying off your debt.
So happy for you and hadn’t realised you were so close to this point! Xxx
Congrats zoe!!! YAY! im so happy for you.
Congrats Zoe, so happy for you! 🤩
I found your channel with your video sharing that you lost your job, and girl. I hope you are SO incredibly proud of yourself for how far you've come since then!
Congrats Zoe ! That’s so niiiice 🎉
And just wanted to point out, we don’t want you to but frugal AT ALL ! We want to see you live life
I paid off my car this past Friday!! I still have plenty of other debt, but I’m super proud to have paid that off
Lowering your spending is a pay raise you grant yourself.
Hey Zoe! Super congrats on on your debt payment!!!! I’m super proud of you and even though we are 20 some years apart😂 I feel like this is me….. I had a $ 20,000 car loan and while I was making minimum payments, when Covid was at the tail end, I got a great job and was able to really put a dent into paying off my debt! It took exactly 1 yr for me to pay off that debt from the time I got my new job, so when you talk about driving around in your car knowing how it’s already paid off…..that feeling is the BEST!!
Im so glad you finished! Thank you for being an inspiration to many of us. I cant wait until im done finished paying of my debt!
Keep it up!! and thank you 💖
go girl! im working towards paying off the mortgage by 2025 and overtime has been helping me. im tired but i gotta do it!!
félicitations Zoé, tu as parcouru un long chemin... ça ne fera que s'améliorer à partir de maintenant. Tu devrais être fier de toi. 😍😍
Congratulations 🎉🎉🎉 so proud of you keep up the Good work!
CONGRATS GIRL!!!! I’m so happy and so proud of you!!!
I’m debt free now but I did go into debt for wisdom teeth extraction and both my cars. I traded in my first car when the market was hot hot hot. Girl, I got my 2017 Acord Sport for 26k (39k milage and paid off) and sold it for 23k. Once in a life time experience. Paid off my 2022 Honda HR-V in early March this year.
Woot! Nice job 🎉 being debt free is the best feeling!
Hi Zoe, proud of you! Congratulations 🎉❤
Congratulations Zoe!! I'm so proud and happy for you. I have been following along on your journey for about a little more than a year now. You have come so far and helped to inspire me and so many individuals. I'm in my last year as an undergraduate student and I have been slowly but surely paying off my car and small amount of student loans that I have. It's so great knowinf that I will be able to be where you are now someday soon. You're the best ❤😊
you're the best!!! thank you for these kind words and for your support over the last year 💖 and great job working on your debts while still in school! I know that's not easy
Congrats Zoe❤️🥺 you are like a breath of fresh air on UA-cam. You have such a beautiful, forgiving, abundant mindset with money. Thank you so much for this amazing content ✨😊
ah thank you so much!! 🩷🩷✨ this means the world to me
Your beaming smile inside your paid-off car was so genuine and made me smile too!! 😊 I'm hoping to have my car paid off next summer!
ahh thats amazing!! 🩷🩷 thank you and sooo happy for you!
So happy for you Zoe! Congrats!! And I'm excited for you to come to Vancouver, lmk if you need any recommendations!
Congrats Zoe! You did it, this motivates me to tackle my student loan debt😘😘
you got thissss!!!
I have 14.2k left of my 20k student loan balance left to pay. I’m also tackling CC debt I’ve incurred while in school and post-grad as well. This video inspired me to keep going. Congrats Zoe & thanks for sharing! 🎉
I live close to Montreal also, I am 45, and my house, car, all paid off, totally debt free.
So congratulations, and plz keep doing what you're doing it's extremely rewarding. :)
I have that same issue Zoe - I won't finish something even if I'm super close to finishing. I think part of it is having a "perfectionist" mindset, where if you finish the task that would theoretically mean it is completed perfectly, when in reality we aren't ready to put that stamp of approval of "it's perfect so I can finish it"
If we put it off for later that means we still have time to perfect it
But in reality we should just finish the task anyway!! Better to be done and turned it rather than 90% done and waiting for the perfect time to submit
I’ve been subscribed since some time in 2020 or 2021 so it’s exciting to see this title. Congratulations!
thank you for being on this journey with me for so long 🩷 your support means the whole world 🌎
Contrats! I'm so happy for you. I definitely feel the pain of having to spend way more on a car than you thought. I was hoping to get away with spending 5k, but it looks like I'll be at least 15 if i want it and myself to survive the winter up north.
CONGRATULATIONS!!!! I haven’t seen the video yet. But I am soo amazed by the title!! You have to throw a UA-cam/fan party 🎉 😂. I will fly to Canada to celebrate!! This is a big deal!
ahhh thank you!!! hahah wouldn’t that be amazing 😍😍🎉 thank you for all the support!
Congratulations Zoe 👏👏I’m so proud of you. I have been following your journey, and want to say Great job. I think we would toast to this 🥂❤️
thank youuu 🩷 and for being here for so long! i always see your comments and it means so much to me!
So proud of you Zoe! You are a star, and very inspirational 🎉❤
this means so much to me 🥹🩷 thank you!!
this is so exciting-- congratulations!!!
Congrats Zoe❤🎉
Congrats girl!! 🎉😊
Congratulations Zoe!! This is so darn exciting! I've been watching since the first debt video and can't wait intil I can also say I'm debt free! Can't wait to see what goals you tackle next.
omg thank you Laura!!! you will get there and it will feel sooo good 💖
@@ZoePritchard thanks Zoe, I'm pumped for that day!! 💪😄
Congratulations!!✨
I will be debt free next week and I'm so excited!
Congrats Zoe 💕
Congrats, Zoe🎉
New sub. Just found out that I may not be able to maintain the same job in 1.5 years as their relocation guidelines have tightened. Will be watching your videos for motivation to stick to that cash budget.
wish you the best!! I've been in the losing my job boat and it is so hard, but it all happens for a reason!
It's truly one of the best feelings in the world. Happy for you fam!
thank youu!!!
Congratulations! Way to go!
This is SUCH A BIG moment Zoe! I'm so so so happy for you! You did it! Hard work will always pay off ❤ it's like a new chapter is beginning now ✨️
OMG I love it when my faves watch my faves! 😀😀🤍
@@robyn_southafrica omg thank you 🥺🤧❤️
I have been following you now for probably six months! So proud of you and how far you’ve come!!! Congratulations that is such a huge accomplishment!! 💛 I’m on route and your budget tracker is something I’ve stuck to religiously as well as the financielle app and her first 100k podcasts! I just organized all of my sinking fund categories and cash envelopes and I’m ready to start in October!! thank you Zoe! 👏
Also Zoe not sure if you’ll see this but I was so similar to you with completion and it ended up I was diagnosed with ADHD! It’s helped me understand myself so much! I think with my finances I had that same feeling.
Thank you so much!!! Omg I need to check out this podcast 😍 Sounds so interesting!
Glad I came across your page, I'm from Ontario as well. Currently paid of 4k on one card another 2 k on another. So total CC debt left is about 1800$. Up next my car loan which is 18k. I really regret getting a car way out my budget but the car market has been so crazy this year even used. Would have driven my old Volkswagen till the wheels fell off, but the It was totalled a year ago. keep it going! :)
Aw!!! Happy for you! WOOOO debt free
Congratulations Zoe!!!🎉 O greeting from south texas. I've been watching your channel for some time now. Since your video when you were let go from your job. Love how you just "keeping real" on your videos. Also love maggie. Am a dog person.
You’re amazing Zoe!
Congratulations girl ❤❤❤❤
Woohoo!! Go Zoe!
Congratulations! 🥳🎉
Congratulations!!!!!! That must feel so good. I also just became debt free . Feels so good to not have any debt anymore. Can’t believe I made it, it’s been years!
thats amazing!!! im so happy for you 😍💸 what a feeeeling
Thats amazing! I cant wait to feel that feeling. i just graduated in May with my B.S. in Psychology. I have $40,000 and it feels so daunting but If i can id like to pay it off in three to four years.
congratulations on your degree!! ✨✨ if you make it a priority you can definitely achieve your goal 🩷🩷 you got this!
Congratulations Zoe ❤ huge well done 👍 🎉🎉🎉… i did the same on my birthday this July 2003 and i am so grateful that I am debt free :) ❤
thats so amazing!! so happy for you and thank you 💛
I'm out of 'bad debt'--no credit card debt, car loan, etc. It really does feel amazing, and to pay off $55K must be such a relief. I went through a similar issue lacking financial discipline, especially during the pandemic while trapped at home, impulse buying online.
What I've got left is the 'big one': my mortgage. That's going to take a while, of course, but I'm enjoying squirreling away money each month into index funds for a planned big lump sum at renewal down the line and seeing it accumulate while I chip away at my mortgage. It almost becomes a game when you have that goal in front of you, and I like to budget based on percentages of take home to avoid lifestyle creep from getting in the way of savings/retirement goals.
Ok ive never related more to a comment!! Congrats on your money moves and love your mindset towards your mortgage. I dont have one yet but I bet I’ll be the same as you when I do!
Congrats! so inspiring! and I still love your little Louie V!!!
Congratulations!!! 🩷🥳
Congrats!!!! 🎉🎉🎉 I am paying off Cc debt. It’s going to take until august 2025 but I am determined to do it.
Congrats on hitting your big goal!
thank you so much!! 💖
Congrats Zoe that’s great news so happy for u 🩵
Congratulations! I’m so happy for you🎉🎉🎉
I’m the same way! I can never commit to anything!
thank youu!!! 🩷🩷✨
Congrats on your hard work
🎉🎉🎉 Congratulations!!
Congrats! I also paid off 55k in student loan debt almost to the day you posted this!
woaaaah twins!! congratulations 💖💖💖 so exciting!
congrats!!!! what a great feeling to have 🥳🥳🥳🥳
thank youu 💖
Congrats on being debt free! 🎉
I'm watching from Arizona! Hope you have an awesome visit here.
You're doing so amazing! 🎉
thank you so much!! 💖💖
🤩 CONGRATS!
I also have a weird resistance to finishing shows on netflix... I get so enamored in it, and then just go online and search for the ending and never go watch the last show. So relatable.!
hahha right?! I always hate endings... even in books I hate reading the ending
Way to go! I can't wait for that debt relief feeling!
I have about $20,000 left on my student loans (original loan balance was $50,000). My goal is to be done by November of 2024. :)
Just an update, found your video again. I have $5,000 left. I am hoping to finish by September 2024! 😊
congrats zoe!
thank youuu!! 💛
Congrats! Yes, I made a plan last night starting from highest interest rate.
amazing!!
Congrats! ❤ I had same experience with first car
Congratulations 👏 👏 🎉 🎉
I just became 100% Debt Free September 2023. Now saving up for my next house that I want to work on paying down the mortgage as quickly as possible to be debt free and own a house completely.
Loved the video!