Great job getting so much debt gone! Not sure if you thought about it, but you'll be halfway paying off your debt next month or the month after. That's amazing! Well done!
I’m glad you shared your backstory. It’s always helpful to see HOW the debt came about. And you didn’t do anything crazy to get into debt. Sure, the car loan sucked, but it’s gone now. The student loans are just unfortunate, but if they help you make more over your career, then it’s worth if you knock them out quickly, which I know you’ll do 😊
Thanks for the encouraging words Katie! 💜🥹 I tried not to be too longwinded (never works 😂), but wanted to really show that life just happens sometimes. Not everyone in heaps of debt got there from shopping addictions, lifestyle creep, etc. School was helpful & I don't regret going. It's not the school's fault that there's not much mobility in the job market at the moment. 😂
Wow! You have done just an awesome job bringing down your debt! I know you can get this all done. Just look at far you have come friend ❤ Great job with your video!
Hey Love!! 💜🤗 Thank you!! 🥹🥹 Also thanks for watching & deciding to follow my journey!! I'm determined to get them out of my life (and wallet 😂) for good!
Wow, look at y'all. Would have watched yesterday, but it was a counseling day and so yeah, too much on our plate at the time. This is so informative and USEFUL!!
That's okay! Your health & wellbeing comes first. Hope counseling went well! 💕 Thank you so much! That means a lot. I am working on creating an uploading schedule that's not overbearing. Thanks for the reminder :)
New subscriber! I, too, have started my debt free journey just last month. I have watched a lot debt free you tubers and it's wonderful seeing them debt free and cash stuffing hundreds of dollars a week but if I'm being honest, it's discouraging too because I think they are so far ahead I will never catch up. It's nice to be able to start the journey with someone who is in the same place , that oh my goodness, that is a lot of money I owe place, for once. I am coming along on your journey for inspiration and to be held accountable. If you can pay off all those student loans on your own, I can do this too!! So proud of you for doing so much in such a small amount of time!! I'm left-handed too!! Lol. Congratulations 🎉❤🎉❤ Gryiffindor all day!
Thank you for joining in on my journey! 💜🤗 I can 100% relate. It's hard not to think of all the things I'd rather be doing than paying off debt. Remember that comparison is the thief of joy & that those same youtubers also had to start somewhere in their journeys too! I know we'll get there one day & be able to look back at all we've accomplished. You got this!!! I'm rooting for you too! ❤️💐📣 (Hahaha leftie smears unite! 😂😂😂😂😂)
You are doing an amazing job, Hailey! ❤ You paid off so much from the student loans already and also the car loan is gone.. I think the snowball method is ok when you have smaller credit cards of 2k-5k etc and you can close those up so you don't have to pay a couple hundred dollars on them. But for the loans it's great that you're doing the avalanche since those interest rates are hurting your budget so much.. Your font is gorgeous, by the way!
Thank you!!! 💜😁 I 100% agree. These interest rates are no joke. 😭😭😭 Awwee thank you! I was trying hard not to smear.... but I also love gel pens. Leftie struggles. 🤣🤣
Hailey! I hope you are so proud of yourself. These are HUGE accomplishments!!! I love that you do the method that works for you! 👏👏 also- what is your degree in? Have you told us and I missed it?
Your handwriting is so pretty! The debt may feel suffocating but you're doing such a great job && youve already paid off half 🎉🎉🎉 do you watch/follow PaperByMoe? She nicknamed her student loans based off characters and they are hilarious.
Thank you so much!! I really appreciate that. 💜🥹 I try not to smear but it usually doesn't work. I was proud of this one.😂 I have seen her student loan videos & the names are amazing! I can imagine yelling "YAY I PAID OFF MICKEY!" 🤣🤣🤣🤣 Love them in HP but Ravenclaw & Gryffindor gotta go. 😂
You've made fantastic progress already, this is wonderful! Great first in-depth video, I enjoyed learning the background 'how I got here' stuff, I think it is helpful to know where people are coming from. New subscriber for sure!
New subbie here! This is very motivating. I also didn't know about high yield savings accounts until this year. I also wasn't told, until 2 months, that with my IRA savings account I can take that money and put it into an IRA CD which has a higher interest rate. I'm 44 and I will not be able to retire.
Hi and welcome!!! 💜😁 I am no way a financial advisor nor am I giving any advice. I believe that (in terms of retirement) something will always be better than nothing. I have (honestly) never heard of an IRA CD. Maybe look into sitting with a certified financial advisor who can help? 💜
Hey Love! 💜🤗 Thank you! No, 10 years would be the max I'd ever want to spend on these loans. I'm working on ways to continue my debt avalanche & get them gone as soon as possible.
Hey girl 🤍 You should be so proud of yourself. I am glad you were able ti see how far you have come. That is a huge chunk of money you have paid off thus far. This is so real and transparent. I also get emotional sometimes talking about how I was financially before cash stuffing. The things happening at the time were so overwhelming. You are so strong and your backstory is important. Thank you for sharing your hard work. It is so helpful ❤❤ Also team Gryffindor, but I too love ravenclaw colors
Hey hey! 😁🤍 I really appreciate hearing that. 🥹💜 It is very hard not to dwell on the "could've, would've, should've" of my situations, BUT I am here & working on doing better now. Thanks for watching! ❤️💛💙💜
Also a caregiver. I was in the medical field but now I’m taking care of my 71 yr old mom who is a diabetic with heart failure and I have my two boys full time as a single mom. I’m in a lot of debt too. Might as well get my Masters at this point to make it worth it. I got stuck with the debt in a bad divorce. The judge said I was “more capable of earning more than my ex when he was working full time while I had our boys. The court system isn’t fair in CA at all. That one decision by a judge probably will affect me for the rest of my life unfortunately.
Wow that's a lot. Caregiving is no small feat on top of upkeeping your family too. 🥺 You're doing so much & I am so proud of you for still moving forward!! 💜🙏🏿 I have to remind myself that every dollar can be a step in the right direction. Thank you so much for sharing your story/perspective! 🥹
Wow Hailey! You have tackled this debt full force all on your own for a full year and made amazing progress! Now that you are on here and getting support from all of us I'm sure you will get the motivation to keep moving forward at paying debt off with such a vengeance! You will be done in a matter of time. You're story is so motivating, thank you so much for sharing. I know these stories are hard to talk about but you did A+ on this! Great work my friend! 🤍
Thank you!!! I've already received so much support & motivation from the budgeting community! I appreciate all of you & am so happy y'all are joining me on this ride! 🎢💚🤗
Great job getting so much debt gone! Not sure if you thought about it, but you'll be halfway paying off your debt next month or the month after. That's amazing! Well done!
Thank you! 💜🤗
I usually focus on each individual debt, so I hadn't really looked at it that way until now. 😲 You're absolutely right!
I’m glad you shared your backstory. It’s always helpful to see HOW the debt came about. And you didn’t do anything crazy to get into debt. Sure, the car loan sucked, but it’s gone now. The student loans are just unfortunate, but if they help you make more over your career, then it’s worth if you knock them out quickly, which I know you’ll do 😊
Thanks for the encouraging words Katie! 💜🥹
I tried not to be too longwinded (never works 😂), but wanted to really show that life just happens sometimes. Not everyone in heaps of debt got there from shopping addictions, lifestyle creep, etc.
School was helpful & I don't regret going. It's not the school's fault that there's not much mobility in the job market at the moment. 😂
Wow! You have done just an awesome job bringing down your debt! I know you can get this all done. Just look at far you have come friend ❤ Great job with your video!
Thank you so much! It's all a work in progress. Also working on getting used to hearing my own voice. 😅
I love how transparent you are. Great progress with your debt
Thank you! That's one of my goals for this channel. 💜😁
Wow! Great job bringing down debt! Love hearing back story and I think it also helps people to hear them. Great video!
Hey Anne-Marie!!! 💜🤗
Thank you so much! 🥹
You've made incredible progress! You should be proud. Thank you for sharing your debt confession. Can't wait to see you pay it all off. New subbie! 🎉
Hey Love!! 💜🤗
Thank you!! 🥹🥹 Also thanks for watching & deciding to follow my journey!! I'm determined to get them out of my life (and wallet 😂) for good!
Thanks for supporting my channel all this time, you oh are doing so great and can’t wait to follow your journey to debt free you can do this!!!❤
Thank you so much!! I've loved following your journey & I'm grateful that you're following mine too! 🤗💕
Wow, look at y'all. Would have watched yesterday, but it was a counseling day and so yeah, too much on our plate at the time. This is so informative and USEFUL!!
That's okay! Your health & wellbeing comes first. Hope counseling went well! 💕
Thank you so much! That means a lot.
I am working on creating an uploading schedule that's not overbearing. Thanks for the reminder :)
New subscriber! I, too, have started my debt free journey just last month. I have watched a lot debt free you tubers and it's wonderful seeing them debt free and cash stuffing hundreds of dollars a week but if I'm being honest, it's discouraging too because I think they are so far ahead I will never catch up. It's nice to be able to start the journey with someone who is in the same place , that oh my goodness, that is a lot of money I owe place, for once. I am coming along on your journey for inspiration and to be held accountable. If you can pay off all those student loans on your own, I can do this too!! So proud of you for doing so much in such a small amount of time!! I'm left-handed too!! Lol. Congratulations 🎉❤🎉❤ Gryiffindor all day!
Thank you for joining in on my journey! 💜🤗
I can 100% relate. It's hard not to think of all the things I'd rather be doing than paying off debt. Remember that comparison is the thief of joy & that those same youtubers also had to start somewhere in their journeys too!
I know we'll get there one day & be able to look back at all we've accomplished.
You got this!!! I'm rooting for you too! ❤️💐📣
(Hahaha leftie smears unite! 😂😂😂😂😂)
You’re doing a great job… the debt paying off season is a hard one but so worth it!! Keep going!!
Thank you! That is so true! I know it'll be worth it when it's all said & done. I just have to grumble a bit first. 😂
You are doing an amazing job, Hailey! ❤ You paid off so much from the student loans already and also the car loan is gone.. I think the snowball method is ok when you have smaller credit cards of 2k-5k etc and you can close those up so you don't have to pay a couple hundred dollars on them. But for the loans it's great that you're doing the avalanche since those interest rates are hurting your budget so much.. Your font is gorgeous, by the way!
Thank you!!! 💜😁
I 100% agree. These interest rates are no joke. 😭😭😭
Awwee thank you! I was trying hard not to smear.... but I also love gel pens. Leftie struggles. 🤣🤣
Hailey! I hope you are so proud of yourself. These are HUGE accomplishments!!! I love that you do the method that works for you! 👏👏 also- what is your degree in? Have you told us and I missed it?
Hey Taylor!! 💚🤗
I'm still learning how to celebrate the little wins. Thank you so much! 💙🥹
No, i haven't mentioned it! Health IT & Data Analytics ☺️
I love those trackers. I need those! 😂
AHHHH HEY LOVE!! 💜🤗
How are you? 😁
I left the link in the description! They're from the debt free website!
❤great explanation of debt and plan of action. Great video
Thank you so much Love! 💜😁
Hey beautiful lady well done in bringing down that debt... cant wait to see u progress further ❤
I hope i can continue to support you as you do me x
Hey Lovely! 💜🤗
Thank you! Trust that your presence (whether on your channel or mine) is more than enough & very much appreciated! 🥹
New Subbie. You are an amazing job with paying off your debt ❤
Thank you for watching & subscribing! Welcome! 💜😊
Thank you, I really appreciate that. 🥹
Your handwriting is so pretty! The debt may feel suffocating but you're doing such a great job && youve already paid off half 🎉🎉🎉 do you watch/follow PaperByMoe? She nicknamed her student loans based off characters and they are hilarious.
Thank you so much!! I really appreciate that. 💜🥹
I try not to smear but it usually doesn't work. I was proud of this one.😂
I have seen her student loan videos & the names are amazing! I can imagine yelling "YAY I PAID OFF MICKEY!" 🤣🤣🤣🤣
Love them in HP but Ravenclaw & Gryffindor gotta go. 😂
You've made fantastic progress already, this is wonderful! Great first in-depth video, I enjoyed learning the background 'how I got here' stuff, I think it is helpful to know where people are coming from. New subscriber for sure!
Thank you!! 💜🤗
I thought I was rambling. 😅 Glad I left it in. Happy to have you here! 😁
Hi Hailey ❤️ thanks for sharing 😊new subbie 🎉
Hello Love! Thanks for joining & welcome aboard! 💜🤗
❤❤❤ you got this! New subbie!
Thank you so much!! 💜🥹
Thanks for watching & subbing! Welcome aboard! 😁
New subbie here! This is very motivating. I also didn't know about high yield savings accounts until this year. I also wasn't told, until 2 months, that with my IRA savings account I can take that money and put it into an IRA CD which has a higher interest rate. I'm 44 and I will not be able to retire.
Hi and welcome!!! 💜😁
I am no way a financial advisor nor am I giving any advice. I believe that (in terms of retirement) something will always be better than nothing.
I have (honestly) never heard of an IRA CD. Maybe look into sitting with a certified financial advisor who can help? 💜
rip the band aide off and not wait for 10 years. Don't be shackled to debt. You can di this! You got this!
Hey Love! 💜🤗
Thank you! No, 10 years would be the max I'd ever want to spend on these loans. I'm working on ways to continue my debt avalanche & get them gone as soon as possible.
Hey girl 🤍
You should be so proud of yourself. I am glad you were able ti see how far you have come. That is a huge chunk of money you have paid off thus far. This is so real and transparent.
I also get emotional sometimes talking about how I was financially before cash stuffing. The things happening at the time were so overwhelming. You are so strong and your backstory is important.
Thank you for sharing your hard work. It is so helpful ❤❤
Also team Gryffindor, but I too love ravenclaw colors
Hey hey! 😁🤍
I really appreciate hearing that. 🥹💜
It is very hard not to dwell on the "could've, would've, should've" of my situations, BUT I am here & working on doing better now.
Thanks for watching! ❤️💛💙💜
All the best you're doing great !
Thank you! 💜🤗
You're doing an amazing job!
Thank you Love! 💜🥹
Also a caregiver. I was in the medical field but now I’m taking care of my 71 yr old mom who is a diabetic with heart failure and I have my two boys full time as a single mom. I’m in a lot of debt too. Might as well get my Masters at this point to make it worth it. I got stuck with the debt in a bad divorce. The judge said I was “more capable of earning more than my ex when he was working full time while I had our boys. The court system isn’t fair in CA at all. That one decision by a judge probably will affect me for the rest of my life unfortunately.
Wow that's a lot. Caregiving is no small feat on top of upkeeping your family too. 🥺
You're doing so much & I am so proud of you for still moving forward!! 💜🙏🏿
I have to remind myself that every dollar can be a step in the right direction. Thank you so much for sharing your story/perspective! 🥹
Hello! New subbie here💗💗 I consider myself to be half Ravenclaw and half Slytherin💙💙💚💚
Heylo!!! Thanks for subbing & welcome to the channel!! 💜🤗
Wow Hailey! You have tackled this debt full force all on your own for a full year and made amazing progress! Now that you are on here and getting support from all of us I'm sure you will get the motivation to keep moving forward at paying debt off with such a vengeance! You will be done in a matter of time. You're story is so motivating, thank you so much for sharing. I know these stories are hard to talk about but you did A+ on this! Great work my friend! 🤍
Thank you!!! I've already received so much support & motivation from the budgeting community! I appreciate all of you & am so happy y'all are joining me on this ride! 🎢💚🤗
Ooooh I am wearing a Hufflepuff shirt right now 😂 I love Hufflepuff and Slytherin, so I call myself a Slytherpuff 💛🖤💚🩶
🧡🧡🧡
💕
💜👋🏿😁
Team Slytherin
🐍🐍😁