Hi from Beth in California ❤️ You might not see this…but my mom and I have been unfortunately on not-speaking terms for years. But last week, she visited my home and we are on a path back to healing. When she first arrived, sitting with her on the sofa was awkward, but on TV there was one of your videos, then it auto played two more of your videos. Honestly, enjoying your videos together and discussing really broke the ice - we were having fun together. I just wanted to say thank you for being such a lovely person 😊 Beth, 32
wow Beth, thank you so much for sharing and glad to have been part of that memory. Hope this is the beginning of a healing relationship with your mother. Sending love.
Thank you for helping me understand how the process works. I've created my plan and can see my journey. Cheers to being debt free in about 3 years. My goal is to pay off my transfer debt 1st since I don't have interest accruing. That one will be paid off by Feb of 2026 and then I can move onto the last 2 credit cards. My total debt is $28,473. I can do this!
Trying to tackle my six-figure student loans (law) with the avalanche method. 😂 Feels good seeing the loan w highest interest balance go down but I know it's going to be a looong journey. Thanks Aja for these types/all your videos are inspiring to watch. Saw a comment below re your budget videos - ignore the negative people cause your community will still be here supporting!
This was amazing to watch! I have been trying to figure out ways to pay off my student loans and this gave me hope. It was clearly explained and now it gives me something to work with. Thank you!!
This girl should do balance transfers. I owe 11k in cc. I’m doing the snowball method bc I have done balance transfers on all my cards so I don’t have interest. Idk why everyone doesn’t do it. It saves so much money. Once the 0% interest promotion ends (usually 12-18 months) I just do another balance transfer. It’s helped me pay off a few cards way faster than I would have otherwise.
As someone whose life depends on balance transfers, it’s become a trap for me because I keep spending. But that’s probably me and a deeper issue that I have. Initially it kept me debt free for 6 months but I kept deferring to balance transfers and it’s become a bad habit now. I know it works for many people though.
@@AjaDang all of my credit cards have had balance transfer offers. I have them on my chase cards, discover, Bank of America, and Citi. You can call them but I’ve always just logged into the apps and found the offers on there. There’s usually a fee but it waay less then what the interest would be.
This visual really helps me a lot! 😅 but I do have a question. Wouldn’t it take longer once the interest charges are but back onto the account each month? That is one of the reasons I feel like what’s the point. I know the point but I’m just being dramatic 😂 Edit: ok, I didn’t wait til the end bc you totally mentioned it. Haha thank you Aja! This is getting me excited to pay down my debt 🎉
Thanks for the analysis! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
If this person is trying to pay off a $2,000 balance with an APR of 21% they will find it very hard to absolve their debt. After paying $230 the first month, she will have $400 added to her balance! What may be best for this young lady in this situation would be to Revise her budget and try to see if she can have $500 cap on what she puts towards her CC bill!! because by the 5th month, her balance with interest would be 3,035.31.
Not to denounce anything Aja has shared with you all. However, I would encourage you all to utilize your Credit cards wisely! Have better spending habits! Do not spend $600 on your credit card knowing you cannot pay off the balance at the end of the month!!! SAVE UP FOR THAT $600 item/trip/activity! Even if you have to save $50 a week to save up the $600, Id encourage you to do that. THEN charge your credit card so you have that usage for that month, but NOW you also have the money to pay it off at the end of the month because you saved!!! Best of luck to you all. xoxo
I was in a 15k credit card gamble dept.. and 33k gamble dept loan from my sister. It been one year and 8 months... the 15k credit card dept is now $6500 and the 33k is now 15k.. im getting out of dept by july,2025... i lose all my saving also total 85k to sport gamble. I make $41 an hr so i should be out of dept soon
that's correct. I mention that in the beginning of this video - there are links in the description box to interest rate calculators if you'd like to be more precise with your debt.
But this does not account any INTEREST for the credit cards. I think this is a miscalculation since credit cards still have fees when you pay minimum amount (or not fully paid for that month).
@AjaDang I totally understand not wanting to deal with all the negative comments. To be honest, I probably would have stopped doing it too if people were acting like that. But I just wanted to put in that I really enjoyed those videos. I’m really happy for the money you make now, and it was really cool to have the real numbers. It sucks that people get envious.
Hi from Beth in California ❤️ You might not see this…but my mom and I have been unfortunately on not-speaking terms for years. But last week, she visited my home and we are on a path back to healing. When she first arrived, sitting with her on the sofa was awkward, but on TV there was one of your videos, then it auto played two more of your videos. Honestly, enjoying your videos together and discussing really broke the ice - we were having fun together. I just wanted to say thank you for being such a lovely person 😊 Beth, 32
wow Beth, thank you so much for sharing and glad to have been part of that memory. Hope this is the beginning of a healing relationship with your mother. Sending love.
This comment is really sweet! Thanks for sharing and best of luck to your family as you learn to renavigate that relationship.
Congratulations on almost 5 years debt free! It’s been amazing seeing your journey- including all the fun you’ve gotten up to after meeting your goal!
crazy right? Time flies.
Thank you for helping me understand how the process works. I've created my plan and can see my journey. Cheers to being debt free in about 3 years. My goal is to pay off my transfer debt 1st since I don't have interest accruing. That one will be paid off by Feb of 2026 and then I can move onto the last 2 credit cards. My total debt is $28,473. I can do this!
Trying to tackle my six-figure student loans (law) with the avalanche method. 😂 Feels good seeing the loan w highest interest balance go down but I know it's going to be a looong journey. Thanks Aja for these types/all your videos are inspiring to watch. Saw a comment below re your budget videos - ignore the negative people cause your community will still be here supporting!
So happy the avalanche method is working for you! It's gonna be a long journey so remember to treat yourself along the way!
Another Aja Dang financial video?? OMG yes. Keep doing these. You freaking rock!! I love these type of videos
I'm trying to get back into it for y'all but short form videos are just so much easier 🙇🏻♀🙇🏻♀🙇🏻♀🙇🏻♀
This was amazing to watch! I have been trying to figure out ways to pay off my student loans and this gave me hope. It was clearly explained and now it gives me something to work with. Thank you!!
I am in love with how she explains and showing a great plan. I am now a subscriber.
welcome :)
Writing it out this way is so very satisfying and gives a concrete, visual plan to keep one motivated. Thanks for sharing!
Forever grateful for your wisdom and guidance in helping me in my debt free journey!!
and you killed it!!!
I think your amazing, your voice is soothing, your doing a fabulous job 🎉
thank you :)
Please do more of these videos, atleast 1 video bi-weekly of you helping a subscriber.
This girl should do balance transfers. I owe 11k in cc. I’m doing the snowball method bc I have done balance transfers on all my cards so I don’t have interest. Idk why everyone doesn’t do it. It saves so much money. Once the 0% interest promotion ends (usually 12-18 months) I just do another balance transfer. It’s helped me pay off a few cards way faster than I would have otherwise.
This is also the method I’m using! So helpful especially for larger cc balances
@@ccap3211 which cards do you use to transfer your balances. I know someone looking into it
As someone whose life depends on balance transfers, it’s become a trap for me because I keep spending. But that’s probably me and a deeper issue that I have. Initially it kept me debt free for 6 months but I kept deferring to balance transfers and it’s become a bad habit now. I know it works for many people though.
Correct. The calculation did not account for the interest that add up and increased minimum payment each month. But it is still a good plan of action.
@@AjaDang all of my credit cards have had balance transfer offers. I have them on my chase cards, discover, Bank of America, and Citi. You can call them but I’ve always just logged into the apps and found the offers on there. There’s usually a fee but it waay less then what the interest would be.
Great video! Thanks for sharing this method.
Great job breaking this down!
glad it was easy to understand!
I've always heard about the snowball method but i really enjoyed watching you break it down and help me visually see it!! Thanks Aja!!
it seems confusing until you see how it's broken down!
This visual really helps me a lot! 😅 but I do have a question. Wouldn’t it take longer once the interest charges are but back onto the account each month? That is one of the reasons I feel like what’s the point. I know the point but I’m just being dramatic 😂
Edit: ok, I didn’t wait til the end bc you totally mentioned it. Haha thank you Aja! This is getting me excited to pay down my debt 🎉
Thanks for the analysis! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
If this person is trying to pay off a $2,000 balance with an APR of 21% they will find it very hard to absolve their debt. After paying $230 the first month, she will have $400 added to her balance! What may be best for this young lady in this situation would be to Revise her budget and try to see if she can have $500 cap on what she puts towards her CC bill!! because by the 5th month, her balance with interest would be 3,035.31.
Not to denounce anything Aja has shared with you all. However, I would encourage you all to utilize your Credit cards wisely! Have better spending habits! Do not spend $600 on your credit card knowing you cannot pay off the balance at the end of the month!!! SAVE UP FOR THAT $600 item/trip/activity! Even if you have to save $50 a week to save up the $600, Id encourage you to do that. THEN charge your credit card so you have that usage for that month, but NOW you also have the money to pay it off at the end of the month because you saved!!! Best of luck to you all. xoxo
Where can I get that app from? I would like to put it on my IPad. Thank you
I was in a 15k credit card gamble dept.. and 33k gamble dept loan from my sister. It been one year and 8 months... the 15k credit card dept is now $6500 and the 33k is now 15k.. im getting out of dept by july,2025... i lose all my saving also total 85k to sport gamble. I make $41 an hr so i should be out of dept soon
congrats on getting your life/finances together!
What’s your profession? I’m want a career switch lol
Your calculation is not accurate; you are forgetting the interest charges. The payments you make do not go entirely toward the principal.
that's correct. I mention that in the beginning of this video - there are links in the description box to interest rate calculators if you'd like to be more precise with your debt.
Aka…girl! You just got a new subscriber!!! What app are you using?
But this does not account any INTEREST for the credit cards. I think this is a miscalculation since credit cards still have fees when you pay minimum amount (or not fully paid for that month).
Interesting
And if they pay the $600 instead of the $300 that she was using, this person will be debt free in less than 2yrs if they attack this thing.
❤❤❤❤
Its really good to see you back! Would you consider restarting the monthly budget videos starting next year?
Please please please🥹🥹🥹
I dunno girl. People get upset seeing my real numbers now. I don't want to discourage people by having "unattainable" budgets
They were so satisfying 😢
@@AjaDangi love how real you were regardless of how i couldnt relate 😓 or if you considered a vid guiding someone through their own monthly budget (?)
@AjaDang what is wrong with people?? Like we're all here bcs we liked watching you succeed?? Sorry you gotta deal with this 🙃
@AjaDang I totally understand not wanting to deal with all the negative comments. To be honest, I probably would have stopped doing it too if people were acting like that. But I just wanted to put in that I really enjoyed those videos. I’m really happy for the money you make now, and it was really cool to have the real numbers. It sucks that people get envious.