My New Debt Payoff Plan for 2024

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  • Опубліковано 7 січ 2025

КОМЕНТАРІ • 37

  • @ginamoffett1973
    @ginamoffett1973 11 місяців тому +9

    I use your debt pay planner and it worked and I was able to payoff a predatory loan, by four months early, with its help. I’m on a no spend January “dry January “ lol but as soon as February comes I plan on getting again. Thanks for all you do, ❤ to help us along the way. Sound like your feeling better.😊

    • @lymanjoy
      @lymanjoy  11 місяців тому +1

      That's absolutely amazing, 4 months EARLY. Wow, and starting out the year with no spend. I can't wait to hear how your debt payoff goes this year.

    • @lynnyo1467
      @lynnyo1467 11 місяців тому

      I'm impressed!!

  • @PursuingPeace
    @PursuingPeace 10 місяців тому +1

    You explain everything so simply! Thank you for taking the time to create these videos. You have truly helped me out on this journey! ❤️ Also....I love your nails! Simple, natural, and clean. 😁

    • @lymanjoy
      @lymanjoy  10 місяців тому

      Thank you for these kind encouraging words!!

  • @jadevu904
    @jadevu904 8 місяців тому

    I love these videos to keep us motivated!! We are in this together!! 2024 is a new great year, I know everyone will paid off all their debts soon

    • @lymanjoy
      @lymanjoy  8 місяців тому

      Indeed we are, I am so encouraged by you all!! Thanks for keeping me motivated and encouraged as well!!! Debt Free soon!! Keep it up

  • @UneakTershai
    @UneakTershai 4 місяці тому

    Keep crushing it. I love the money jar method as a bartender. I save all my cash tips towards my emergency fund. Anything above goes to debt payoffs. 💕✨

    • @lymanjoy
      @lymanjoy  4 місяці тому

      Love it!! Such a great way to stay motivated!!

  • @tanyaaustin4123
    @tanyaaustin4123 11 місяців тому +4

    I have a debt payoff app. I have all my debts on there as you do right here. It will give approximate time for payoff based on how much extra you pay above your monthly debts. In 2023 i paid off about $18,000-$20,000. This year im doing a savings plan specifically for my debt. I put $200 into 50 envelopes and that will give me $10,000 towards debt. So far im at $5200

    • @lymanjoy
      @lymanjoy  11 місяців тому

      LOOVVEEE this!! Congrats, it sounds like you will be debt free in no time. How exciting. Thanks for sharing. 😀❤️

    • @rhondamason5850
      @rhondamason5850 11 місяців тому

      What debt payoff app do you have? Is it free?

    • @mommifong
      @mommifong 11 місяців тому

      @@rhondamason5850hi I use debt payoff planner. It’s not free but it is nit expensive like 24 a year. Absolutely the best app ever. Look it up on UA-cam, DebtPayoffPlanner

  • @tarajack7
    @tarajack7 11 місяців тому +1

    I am finally going to start paying down my debt this year. I finished nursing school and graduated, so now I am able to focus on my job/career. I am also just excited to spend time with my family. I love your videos and absolutely enjoy watching them. I think I have to use some physical trackers that I can color in too. I think that will help me in staying focus too. Thank you for your videos and your inspiring words.

    • @lymanjoy
      @lymanjoy  11 місяців тому

      I am so excited for you!! Let me know how it goes. I will be doing debt check-ins along the way, and I would love to hear and root you on along the way, too. Doing hard things with community makes it sooooo much better. YOU GOT THIS!!

  • @jadevu904
    @jadevu904 8 місяців тому

    This is the best technique I've seen, when you do per paycheck or per week it will be less stressful and effective

    • @lymanjoy
      @lymanjoy  8 місяців тому

      Thanks, it has been very helpful and the key to paying off debt for me. 😃

  • @Girlpleasebudget
    @Girlpleasebudget 11 місяців тому +1

    great video!! glad this has worked out for you, im going to apply this method this year to get rid of mine, gave me lots of motivation, thank you xx

    • @lymanjoy
      @lymanjoy  11 місяців тому

      Awesome, super excited for you. Let me know how it goes. 😄

  • @jebannschannel5935
    @jebannschannel5935 9 місяців тому

    subscribed!! you are a great inspiration to everyone seeking ways for a debt free journey might as well as financial freedom.watching u from germany!

    • @lymanjoy
      @lymanjoy  9 місяців тому

      Thanks for watching!! And for the very kind words!!

  • @DawnCross
    @DawnCross 11 місяців тому +1

    I'm in year two, thanks for the inspiration.

    • @lymanjoy
      @lymanjoy  11 місяців тому

      Well, I wish you the best payoff year yet!! You got this!!

  • @Savvyover50
    @Savvyover50 11 місяців тому

    Hi I really enjoyed this video. Great information for paying off debt. Thank you for sharing.

    • @lymanjoy
      @lymanjoy  11 місяців тому

      Thanks for watching!

  • @michaellawsonspeaks
    @michaellawsonspeaks 11 місяців тому

    Congratulations!!! So inspiring

  • @barbw6116
    @barbw6116 6 місяців тому

    Hi ! Thanks for your videos , do you sell printed planners , or can you suggest budget binder for letter size . I purchased the digital downloads of 8.5x11, don’t want to have them go to waste .

    • @lymanjoy
      @lymanjoy  5 місяців тому

      Lanpn 8.5x11 inch Scrapbook Photo Album, Linen Cover Archival Acid Free Top Load 3 Ring Binder Folder Photo Book 8.5 x 11 with 30 Plastic Sleeves 60 Pages (Black) a.co/d/2RDJRdB

    • @lymanjoy
      @lymanjoy  5 місяців тому

      Leather 3 Ring Padfolio with Calculator Blue Professional Portfolio Binder Organizer Briefcase Personalized Document Folder a.co/d/1Q2IZU1

  • @robinlanders8551
    @robinlanders8551 11 місяців тому +1

    I apologize if you mentioned this before, but what type of Heloc did you use? I'm curious because I just received an offer from Aven in the mail and am curious if I should do it. I only have about $8,000 in credit card debt that I want to consolidate. I have a car payment and school loans to help my daughter for school that I would not include in the loan. Thanks in advance

    • @lymanjoy
      @lymanjoy  11 місяців тому +1

      I used element financial, and they had the best introductory low apr for me. Make sure with interest all crazy interest rates you get a low intro interest rate and have a reasonable early payoff fee so when intro apr runs out you can transfer.

    • @robinlanders8551
      @robinlanders8551 11 місяців тому

      @@lymanjoy thank you for the information! I appreciate the help.

  • @Love.Yourself.1976
    @Love.Yourself.1976 11 місяців тому

    🫶