How to Create a Plan to Pay Off Debt
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- Опубліковано 28 вер 2024
- In the beginning, paying off debt might seem impossible. Without a plan, it can be hard to know what step to take first.
In this video, I show you what tool I used to start my debt payoff journey.
It helped me decide which method I wanted to use, and it showed me the outcome for my decisions.
Need motivation? See how much interest you can save based on the method you choose, and how long it will take you to pay it all off.
LINKS REFERRED IN THIS VIDEO
Vertex42 Debt Snowball Calculator: bit.ly/2mLA5kR
The Budgeting Method That Changed My Life: www.thebudgetm...
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ABOUT ME
I'm the blogger behind www.thebudgetm.... I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
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kumiko@thebudgetmom.com
A debt payoff journey isn’t just about paying debt….love this Miko!I ❤. Getting a hold of my budget, paying off debt, establishing cash envelopes and sinking funds is my new freedom!
I LOVE that you said that self-confidence issues triggered your overspending. Same, girl. Same. The social media "highlight reel" did this to me as well as my own perception of self. I am working on this now, and you are a HUGE positive influence on me and my family. Starting in June 2019, we are committing to a debt-free lifestyle and using your BBP workbook to help us. You are awesome. Thank you.
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I only have $600 left and I will be debt free! I started with a little over $41,000. Next Friday can’t come fast enough.
Congratulations! Any tips?
How long did it take? I just recieved back hospital bills that total 15,000. I'm freaking out about now.
JO WEBSTER I don’t have a high income so it took a little over 4 years. But it was so worth it! You can do it!
J F I would say put any extra income to your debt. Use the website unbury.me to see how long it will take you to get out of debt. Also if you can get some extra income. I never did that and I know it would have helped me get out of debt faster.
Congratulations thats amazing 🎉🎉🎉🎉
Paying off debt is so hard. I love your enthusiasm and hope you continue to make videos! Thank you!
I definitely feel that way also. I realized that I needed accountability and decided to take my journey to UA-cam with a twist. I have $82,000 in debt and I am pushing myself to pay it off in 1 year by getting additional income through every and all legal side hustles and videoing it along the way.
I have been using the snowball method to pay off debt, but I decided to start the avalanche method instead. I was so confused because when I plugged my numbers into the calculator, I kept getting the same interest and the same amount of time no matter which method I used. Then I realized that it was because my debts are already in order for both methods! My smallest debt has the highest interest rate, and so on. Too funny!
I tried the snowball method many years ago (I'm talking before home computers and Excel) and it didn't work for me. I am a very visual person so I think because I couldn't see the progress month over month, I got discouraged. I'm excited to get started on this Excel sheet, I think it will be helpful for me because I'll be able to see my progress. On a side note, I am now working from home so I'm going to sell my car so I will be able to throw the money I was spending on the car payment towards my debt. Thankfully my son who will be in Japan for 3 years has said I can use his car while he's gone. It's paid off so I'll be paying the insurance, gas, and maintenance. And since I was already paying for those things for my car, it doesn't change what I have already budgeted for those items.
I just discovered your channel and I can't thank you enough for all you do. I'm looking forward to going through your other videos as I have time.
Thank you for sharing this tool! I just paid off my first CC and look forward to knocking out the other 2!
Hey Michal, how are the other 2 coming? I actually just started my debt free journey on UA-cam and my goal is to pay off $82,000 in this year by doing as many side hustles as possible.
We are utilizing a combination of the debt snowball and the debt avalanche methods of paying off our debt. Being a free-spirited nerd, I have always been able to work the numbers, but my free-spirited side tends to splurge on crap that has nothing to do with my goals! #notanymore
I started NOvember 1st and I am so excited! I can now see where all the money goes and have a plan to be debt free, save for thing s we need and for a trip and mostly I am excited to get us out of debt... love this system so far!
Mary Ann Manzanares #handclap for you taking the first step to financial freedom. How is the journey going so far? I’m also on a debt free journey that I’m posting about on UA-cam. I try to find every trick in the book to pay off my bad debt. Stay on it, we all are here to support each other.
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That debt calculator is AMAZING!!!! thank you so much for that link!!!!
It definitely is. I actually found a way to increase the creditors from 10 because I had so many student loan groups. I am using it on my UA-cam debt free journey.
This is one of THE most useful videos Ive seen! THANK YOU FOR DOING THE LEG WORK FOR US!
Aaaaahhhh, I'm so excited finally! I paid off a lot in the past but it seemed I got myself back into debt currently...here we go!
I and my husband were in debts for three years until I came across this dude on UA-cam and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp +17204430671 or on Instagram @bank_hac (he doesn't take upfront) he is very fast and reliable.
Wow! I absolutely love this spreadsheet!!! I created one with an estimate of my interest due because I just needed an idea and I was too lazy to figure it out. I am soooo using this!!! Mahalo nui loa no kou mana’o!!!
Thank you for being honest re: self confidence issues and purchases. From age 30-34 I made a lot of poor choices because of them, too. I’m now 43...and I’m still paying for poor choices that my younger self made. I no longer have all the junk that I purchased then, nor would I even want them today... Expensive lesson learned.
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Holy Crap! This thing works. I just paid off the first card since starting this plan in February of this year!! Legit! It's freaking May!!
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I want to appreciate Kumiko and this video that definitely changed my life.
I love Dave Ramsey and it does get you motivated to get started. But when you run the numbers debt avalanche makes more sense
Thanks Budget Mom❤. Love your channel
I think he just wants to get people motivated on paying it off, he doesn't really care much which method you change to later as long as you stick to paying it.
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This opened my eyes to how much in interest I’m actually paying at the end. if I started paying debt smallest to biggest. I can’t do it that way anymore now I’m tackling my highest interest debt. 2020 will be my last year of having debt!
Isabel Martinez I talk about using the avalanche method on my debt free journey and I also share my tips and tricks I’m using to pay down my 82,000 bad debt by the end of 2020. How is your debt free journey coming? Last week I was able to save over $2000 in overall interest for my 1 year journey and now my avalanche interest went from $3000+ to $900+ for my 1 year journey. Good luck on your journey.
Literally just cried watching this. Because 1) I was the same way in college; naive and spent so much of the extra money they’d send me, and that’s how now I’m still in debt almost 30k.
Ugh you give me so much hope. I hope we can do this in 1 income and with our kiddos .
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Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
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Mail him on martinezraber@gmail.com
I and my husband were in debts for three years until I came across this dude on UA-cam and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp +17204430671 or on Instagram @bank_hac (he doesn't take upfront) he is very fast and reliable.
That table looks super helpful. I didn't know about interest rates impacting that much. I would probably use the Avalanche method.
Awesome, that is great that you shared this free excel debt reduction calculator. I greatly appreciate you for doing that. It is really going to help me out.
Its 2020 and this video is still relevant. Thank you so much for sharing and I am on my journey to becoming more accountable for my money.
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I really like that tool. We have always used snowball but may have to look into the avalanche. I recorded a video today on our Excel spreadsheets that we use for tracking all of our finances (income/expenses/bills/debt snowball/etc.) and it should go live tomorrow on my channel.
Thank you for posting this. I was trying to figure out how I was going to pay back my student loans once I graduate. I am getting my Masters of Education in School Counseling now and later I will go back to get my degree to become a clinical psychologist. I will have over $100k in loans. I am going to take off two years in between to pay off three loans. In total, I should be done paying off all student debt in about 5 years.
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Thank you for the link to this debt calculator! It's exactly what I needed. Excellent explanation as well.
Thank you so much!!! This is amazing!!!! I love your videos and I’m working on setting up my monthly budget using your method!
This spreadsheet is amazing. Thank you!
It definitely is. Are you using it for your debt free journey?
I'm so excited I found your channel! Thank you so much for all your help. I can't wait to get started!
I got 460,000 USD from 24hrs_hack_service on |nstagram, they are the best, WOW!!!!!!!!!!!!!!!!!! i am now free from debts
Nice walkthrough of the calculator. Super useful!
Thanks great info. I never heard of this before love it you rock
I am so grateful that my sister told me about you!! Someone please help... So with the spreadsheet, what if you have a zero percent credit card. I WILL pay it off before I get charged for all the interest. How do I incorporate that into my spreadsheet? or should I leave it off and once paid off add that payment to the "additional" column?
This was soooo helpful! Thank you so much!!!
Thank you, thank you!!! Now...to put it into action! 💗
Thats me right now, i pay off my cc and reuse it all over again, I hope to pay it off soon and never use it again
Ismelda Polanco that’s a great plan. #handclap
Thanks for sharing! This is valuable information.
How do you manage finances with starting a business while in debt
Super helpful, thank you!
I'm getting ready to switch gears from snowball to avalanche.
I got into debt for stupid reasons - I maxed out my credit card and well that didn’t teach me a lesson I got a personal loan and followed some scam on the internet and got into more debt and I used my emergency fund for another scam investment opportunity 🙄🙄. Now I’m laser focused on getting rid of my debt, pay off my! Rebuild my emergency fund and eventually save towards a car!!!
This is awesome thank you for this video
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What happen when you have 0% till the promotion end and than it change to 28% and you do transfer to another card pay 3%each time . What the rate you will write ?
Nicole Kerswell the way I do it on my channel for my bu weekly debt journey update is that I update that vertex42 calculator along with my budget at the start of each month. So if you have 0% promotion for 12 months then for 12 months you would show that it’s 0. So as it pertains to which debt you would want to tackle during that time it would be a personal strategic choice. I try to touch on little things like this during my own UA-cam debt free 2020 journey. If you ever want to talk more feel free to connect on IG @denniswoodbine. I try to answer everyone and give my thoughts on how you could approach certain debt situations and your situation actually help to create content for others who may be in a similar situation. Com join me on my debt free journey.
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Mail him on martinezraber@gmail.com
It’s 2022 now are you still debt free?
Have you tried to simulate some numbers using a personal loan to pay ALL of your debts ?
Can you please enlarge the charts-too tiny to read!
What about penalty got paying off debt early? Mortgage company will charge me £888_900 . Is it better to pay it off or continue with the monthly payment
I am already retired
UK subscriber great videos!
In your video the back debit color in template do sell blank ones
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I can’t find the links? How do I find them?
Amazing video! Thank you for linking us to a free template! Most people talking about financial consolidation are offering their own paid spreadsheet. While I can afford $5‐$10, I feel it should be free. Thank you!
How do I down load ??
the vertex calculator has been suspended or deactivated ;-(
Hi, should I be adding my utility bills that have been passed due as well to this spreadsheet?
@@thebudgetmom Thank You
Can you please tell me if it possible to add lines to the Vertex snowball/avalanche spreadsheet - I added lines to the top portion and copied down the formulas and that section is working - however it is not working for the second "strategy" section - when I add lines there and copy down the formulas it is just repeating the first creditor info...hope this make sense!
THE BUDGET MOM thanks! I found it - I upgraded - wish I had less than 10 but medical bills and credit cards have me with more than that!! But 2 weeks in I am AMAZED at how much just with his and my first checks we were able to already put towards debt - two weeks ago there would be nothing left - and it was going to mindless spending and food waste!!!! I am so thankful I found your channel!! Thanks for sharing!!!
I started with $26500 now down to $8000
I and my husband were in debts for three years until I came across this dude on UA-cam and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp +17204430671 or on Instagram @bank_hac (he doesn't take upfront) he is very fast and reliable.
i’ve been very irresponsible. i’m not in too deep but 😫
Awesome ! I have to pay off my laptop will be paid off by July 2020 then my vehicle loan is 12890 which will be paid off by October 2020 🤞🏼
Anyone having trouble getting it to download?
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I just got an only fans and dedicated all my income to debt payments.
I started with $35K in credit card debt on several cards, payments where near $1000 a month now I only have 3 cards left to pay off $5400 balance $160 a month now. It has taken some time but I see myself out of this by February 2022. Love the video and information.
Congratulations! Did you consolidate your cards, do a balance transfer, and/or debt snowball?
@@dsimone3720 Snowball it worked for me because it kept me motivated.
@@Vinny8El611 So good to hear. That's the method that we are currently using. How long did it take you from start to almost finish?
@@dsimone3720 It’s been about 2 years unfortunately but I am almost out of it.
Congratulations on your journey. You have to be committed and disciplined. This is a lesson I am learning.
I started with 40k line of credit and I am accelerating with my paying down my debt by being frugal and cutting costs anywhere I can. 18k left! Hoping to be debt free by 2020 at the latest. Started 1 year ago
Graham I hope you are doing well on your debt free journey. I’m also on a 82,000 debt free journey for 2020. The most difficult part for me is seeing so much money leave my pocket and go towards my creditors. The pain is enough to let me know I will never get this deep again. What’s the worse part of your journey?
I have less than 10k in credit card thankfully but my journey is definitely underway..here's to 2019 👍🤗🙏
Miko, I don't know if you read these but this video changed my life! I became focused on using the template you shared here, and it took a few years but I am now debt free! I still remember watching this for the first time a few years back, and being horrified when I plugged in my own numbers and saw how much of an impact a few extra dollars a month could have in paying down my debt. Team Avalanche! I am a huge fan of yours, and can't thank you enough for sharing your system (and this excellent spreadsheet template) here, thank you for everything! If anyone is reading this and just getting started- YOU CAN DO IT!
Starts at 7:10
I thank you so much
You’re the real MVP 👏🏼
Thank the lord, props to the youtuber but still id like to get to the point :)
I got into a lot of debt a few years back when I was mentally unwell, I’ve been using this very calculator for a while and it’s doing amazing things for me. Summer next year and I’ll be debt free! Cannot wait!
This was the video I needed to see. We don't have much debt but any debt is too much right!?! I have already implemented your weekly budget and I close it out weekly as well but I was getting stumped with how to best pay off debt! I will be downloading this tut suit.
Hey Cherry, Its one year now, I was wondering if you were able to complete your goal for paying off what debt you did have?
Sending Love ❤️ Cherry...Are you single? 😊❤️
Omgggggg yasss! I’m so new to all of the budgeting and living a debt free journey, this was the most helpful video I could have seen by far 💖 thank you!
I am tired of paying credit card and medical bills every month - it is to the point I don't want to look at the balances I don't want to look at my credit score because I know I am going it is going to make me feel ill!!! But today I face it head on!! Today is the first paycheck of the year - I have our "by paycheck" budget set up - I know what I want to pull out in cash to start my envelopes....but now I am going to face the credit/debt balances and set up my avalanche method! THANK YOU SOOOOO MUCH for explaining in such a approachable way!!!
This year I'm focusing on just my credit card, and next year I'll move on to the car and student loans. I have $1500 left to pay. It's been hard because I work part time, and I like to go out. I started couponing, going out to eat a lot and cut back on shopping etc but I know after it's over, the sacrifice will be worth it. Oh and thank you so much for this video.
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Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Thank you so much for sharing the spreadsheet ! It’s really motivating to see it all laid out. I’m over $70K in debt right now (student loans, car note (new Mercedes 🤦🏾♀️) and a couple credit cards) I should be debt free by December 2021 using the avalanche method!
Econmajor88 I think you should meet up with tony
Econmajor88 Got my debts cleared off through tony . Tony paid off my student loan and my credit card bill . Contact tony on +1(2-5-1-3-0-4-5-3-3-2) . Am still in shock guys
I don’t actually consider car payment a debt tbh (even if it is) as long as i pay off my credit cards lol
Bobby _ yeah right
Econmajor88 how is your debt free journey going? I’m also on a debt free journey to pay off 82,000 in a year using as many tricks as I can find that are legal lol. #handclap to you for taking the first step to financial freedom. The one thing I hate about this journey is seeing ALL that money leave my account each month when I zero out my account.
That never gets old watching. I revisit this video for motivation on a regular.
Hey Missy, are you taking a Debt Free journey also? I ask because you say you revisit the video for motivation? I am on a UA-cam debt free journey myself.
Having a good credit utilization is important if you want to build and maintain a good credit score. As your credit utilization increases, your credit score can go down. A high credit utilization indicates that you're probably spending a lot of your monthly income on debt payment which puts you at a higher risk of defaulting on your payments.
The way people get perfect scores is by practicing good credit habits consistently and for a long time.
According to FICO, those who achieve credit score perfection pay on time, use credit lightly, have a long credit history and rarely open a new account.
I give a proper break down of how to improve your credit score and pay off debts in weeks on my Quora page : Timothy Mendis
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Mail him on martinezraber@gmail.com
I have been binge watching ur videos...got paid today putting in the info inside ur new planner! Love it!
hi miko! in the "balance" column, do i put the principal balance only or do i include any accrued interest? for my unsubsidized student loans, i have accrued interest.
madison blanding I talk about the vertex42 calculator and how I filled it out for my 82,000 debt free journey in my second video. But to answer your question, the balance is overall balance you have remaining on a card, car loan, student loan etc. so as it pertains to the student loans use the balance owed not the principal balance. So each month it will need to be updated, at least that’s how I do mine. Are you on a debt free journey also?
the spreadsheet defiantly helps me keep it organized....working hard to knock this debt out
Hey Jeff I love the spreadsheet also. I actually heard about it on another channel and I am using it on my $82,000 debt free journey that I am taking on UA-cam. How far along are you with your debt free journey? And are you doing any side hustles to pay it down?
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Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Great teaching! May the Lord Jesus Christ continue to bless you in all that you do!!!!
I keep trying to pay off debt, but not succeeding. I've never truly budgeted my money properly. I pay all my bills on time with a calendar method, but that's it. I just purchased the downloadable Budget -by-Paycheck workbook & printed out the January pages. Wish me luck!!
Jennie Post Got my debts cleared off through tony . Tony paid off my student loan and my credit card bill . Contact tony on +1(2-5-1-3-0-4-5-3-3-2) . Am still in shock guys
@@donnanjessie4127 is this an ad?
Jennie Post no ma’am is real if you’re in need tho contact him
Jennie Post I hope this time around you are able to pay off all your debt. Maybe your should join me on my debt free journey. I post every 2 weeks about updates on my tips and tricks I’m using to chip away at my debt. I used the avalanche method and if you want words of encouragement I’m thinking about starting a Facebook group, but I’m still on the fence. Think about joining my UA-cam journey. Last week I spoke about how I save over $2000 in overall interest paid for my journey. Now my expected interest on my 82,000 debt for the year went from 3000+ to 900+.
This is the best video I've seen on this subject. Thank you for being so honest.
Woooohooooo!!!!! 😍 $26,000 .....! WOW! Congratulations 🎊🎈🎉👍💪👍 I hope I can learn to budget and get rid of the monkey on my back (debt). 😔
👆📱As a nurse with over 17k in debt, I was devastated because of poor financing. David came to aid, cleared my debts in 1 week and raised my credit score to 765. Grateful to him.
**UPDATE** Since this comment, we have paid off an ADDITIONAL $11k of debt and are now on track to being COMPLETELY debt free by April 2023.
💙💜💙
When I first used this tool and saw exactly what we were paying in interest and how long it would take with the minimum payments to pay it off, I made the decision to consolidate our debt. That decision shaved off 4.5 years and $11k off our debt!
Fast forward to today. I have a snowball amount added in all of our monthly payments (example- $325, instead of $313.42). Plus, we still make lump sum payments towards specific debt payoff and savings goals.
I am so glad I found this video. Because I started watching you after you paid off your debt. I'm still paying off debt myself. Your videos are so helpful. Don't get me wrong. However, I hear you constantly saying, I'm debt free. It's important for me to see you in this stage of your life for me to be more relatable to you. When you constantly say Ryen has debt and you don't in your videos it somewhat feels like a dig, but I know it's really not. You have worked SO HARD and I appreciate your teachings so much. You are an inspiration. But I needed to see this side of your journey to see you from all angles.
Loved your video and the information. I just started my $82,000 debt free journey this year on UA-cam and my goal is to pay it off in 1 year. #HANDCLAP for your success so far.
Good luck!!!!!
I and my husband were in debts for three years until I came across this dude on UA-cam and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp +17204430671 or on Instagram @bank_hac (he doesn't take upfront) he is very fast and reliable.
I am 55 years old with very little set aside for retirement at this point. I have always been curious about the stock market and have witnessed some people who played the game right and retired early because they used the stock market. When I ask them, most said that they invested very little to start with, but their portfolio grew. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns.
Buy index funds if you wanna be safe, though you are probably be better off just going to Vanguard or something for that
Even with the right technique and assets some investors would still make more than others, as an investor, you should've known that by now, nothing beats experience and that's final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I'm buying again
@@jaluriaja6294 who is your financial coach, do you mind hooking me up?
@@santiagoagustine3749 "My consultant is *Loretta Wilkinson* I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on.
@@santiagoagustine3749 You can look her up online if you care supervision. I basically follow her trade pattern and haven't regretted doing so"
Is there anything similar we can use for the MacBook numbers instead of excel? Im trying to find away to use the spreadsheet without having to purchase excel. Thanks!
Finally! Am relieved, Have been so down cause of my debts and loans, brian who I found online helped me pay my loans, rent and credit cards, contact him @ 26 7 5 7 8 4 8 6 2
Brittany Alexandrea you can download the google docs version when you go to vertex42 or you can download the excel spreadsheet to a windows computer, upload it to your google drive then pull it to MacBook and open using the macs version of excel. That’s what I actually did for my video, because I showed my iMac screen.
Martinez is legit and reliable.( NO UPFRONT PAYMENT)
Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Anyone know if there are any calculators that take into account 0% interest for certain terms, then moves to the real interest?
Ashley Valentine yes the vertex42 calculator does that. You just need to update it like you update your monthly budget. I’m on a debt free journey also and I just moved some accounts to a 0% interest for 12 months and updated the vertex42 calculator. Now I saved over $2000 in interest for my journey. Check out my debt free journey.
Martinez is legit and reliable.( NO UPFRONT PAYMENT)
Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Martinez is legit and reliable.( NO UPFRONT PAYMENT)
Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Started January 23 with 30k in CC debt. Almost paid it off once and then made it worse. I’m all in with your methods. 2 year plan. Someone tag me in a couple years so I can scream out I’m debt free!
Question: does this work for medical in collections?
When I pay off credit card, should I toss it?
How long after paying off an item in collections will my credit score increase?
Desiree Stocking I know I am not BudgetMom but unless they have shut off your credit card (you are in collections), you shouldn’t get rid of your credit card. The fact that you paid it off means your score gets better. Cancelling your own credit card after you’ve paid it off (and it is still in good standing) puts a dent in your score. I found that my score improves after about two months and increase from there the more payments I make and the lower my overall debt is. I had two credit cards in collections and I paid them off. My score got better the first month (just a few points) and my score has gotten better and better. I still have debt but I make regular payments.
Martinez is legit and reliable.( NO UPFRONT PAYMENT)
Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Thank you for making me face this head to head. I just got into budgeting, got my book and I've been working on my emergency savings and have already paid off a loan and 3 Credit cards. Still got lots more to go 😫😫😫 i didn't realise how much I was paying in interest on all my cards, this really put me face to face with them. I'm even more geared up to finish paying them off as fast as possible. These credit card companies are making a ridiculous amount of money in interest charges alone !
Norma Jean use it as your motivation to pay them off fasttttt. I had one card that was collecting $180 monthly in interest alone!! After my 12 months interest free promo was up I was hit with over $3000 in interest last year which was added to my principle, this meant I was now paying interest on the interest! The card had a $8000 balance , I had a big wake up call in mid May when I found Dave Ramsey , the budget mom and other financial gurus on UA-cam . I'l managed to pay that card off this month! I'm not rich or anything close. Just worked extra hard and used any extra funds I could . Still got a long way to go on my other debts but paying that card off gave me the biggest relieve!
There are better ways of clearing Credit card debts. I also won't encourage anyone to pay off any collections on their credit report without proof from the company.
Why? I'm curious
I've been following you for months and bought your book. I've done a lot of work to get myself ready for my debt payoff journey but I'm so discouraged lately. I swear I get an unexpected bill for some random thing at least once a month. And it always ends up costing me $1k or more. I bought my first house last year and it was an unexpected move. These bills are often but not always related to the move in some way. I don't know how to even start saving when I'm always trying to cover these big unexpected bills that come up way too regularly. I have FOUR jobs (one full time and 3 part time) and I'm a single mom of two with hardly any help. It's just so discouraging 🥺. I want so bad to get ahead. Seems the more I take on to do that, the more the universe throws at me. I can't even put away $100 for savings or emergency. "You either have an income problem or a spending problem". I don't have an income problem and it's not a spending issue. I've already cut everything that can be cut since starting my journey. Do you have any advice on how to start saving when this keeps happening?
Yes! I love this calculator! Thanks for sharing. This kinda stuff makes my heart happy 😃 I’ve been looking for something like this for a long time!
Hey Jessica, are you on a debt free journey this year also? If so, how is it going so far?
Videos like this helped me figure how to grab onto my life and get ahold of my spending and be more responsible with it. Im thankful for you to share these types of videos.
OMG! The website is a game changer!! Thank you!! I used it and realized you just saved me $2500 in interest by switching from snowball to avalanche.
I love the site 'whatsthecost dot com' and you can change it from British pounds to dollars and do it by interest or balance!
I don’t have a Facebook to ask you this, so hopefully you see this or someone can answer.. how would it work for certain credit cards that have zero interest for a certain amount of time? Is there a way to write that in there to calculate? Thank you! Loved this video it’s such a great tool to start our debt free journey!
Is there a different one for mortgage or I can use this one.
Undebt.it is good for working this out too
I swear by this spreadsheet. I recommend this to everyone!
Same here , i actually hacked it to increase the creditor from 10. I am using it on my UA-cam debt free journey.
Martinez is legit and reliable.( NO UPFRONT PAYMENT)
Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack .
Contact him on +12013507159 via WhatsApp
Mail him on martinezraber@gmail.com
Omg this is a heaven sent. I’ve always wanted to start with my debt plan but didn’t know how to start. Thank you thank you for sharing.
This is an amazing excel spreadsheet. I tried to figure out how to make one on my own but it was horrible lol...Thanks for bringing this one to our attention. It's awesome to be able to see everything.
Finally! Am relieved, Have been so down cause of my debts and loans, brian who I found online helped me pay my loans, rent and credit cards, contact him @ 26 7 5 7 8 4 8 6 2
Steve H. Is definitely is awesome. I’m actually using it on my debt free journey right now. Without it I would not have seen how much in interest I saved when I moved my credit cards to one promotion card with 0% for 12 months. When I saw the savings I felt so happy. It works and it gives you that feeling that you can accomplish it. Are you on a debt free journey also?
What happens when the minimum payment changes? How and where do you track that?