Ready to take control of your finances and say goodbye to debt? ???? Join us in this empowering journey towards financial freedom!

In this game-changing video, we’re spilling the tea on how you can become debt-free in just 6 months. From practical budgeting tips to powerful money-saving hacks, we’ve got your back every step of the way.

???? What to Expect:

Proven Strategies: Discover actionable and realistic steps to tackle your debt head-on.
Budgeting Breakthroughs: Learn how to create a budget that works for you and accelerates your debt payoff.
Side-Hustle Secrets: Explore innovative ways to boost your income and fast-track your financial goals.
Success Stories: Be inspired by real-life stories of millennials who crushed their debt in record time.
Why Watch?
Say goodbye to sleepless nights worrying about bills and debt collectors! ?????? This video is your passport to financial liberation. We believe that every millennial woman deserves to live a life free from the shackles of debt, and we’re here to guide you on that journey.

Join the Community:
Connect with like-minded individuals in the comments section. Share your goals, progress, and tips to inspire and uplift each other. Let’s build a community that celebrates financial victories!

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Hit that subscribe button and turn on notifications so you never miss a future video packed with financial wisdom. Together, let’s make this year we break free from financial stress and reclaim our financial power! ????????

#FinancialFreedom #DebtFreeJourney #MillennialMoney

Im so happy to finally share how I paid off my clothing accounts debts. I accumulated all these debts due to impulse buying and not being responsible with my personal finance. I share tips on how I managed to pay these accounts. #personalfinance #debtfree #debt #debtfreecommunity #southafricanyoutuber #financialindependence #fire #frugalliving

Dave Ramsey- https://youtu.be/Q5jlY8_WmEE

Updated video:

DISCLAIMER:
I am NOT a financial expert, accountant, or anything of the sort. I am in no way qualified or certified to give financial advice. However, I am here to share my love of planning and also share what my family is doing to get out of debt and be better with money. If you are looking for financial advice, I would recommend seeking advice from an expert.

#SnowballMethod #DaveRamsey #PayingOffDebt

According to my Credit Score, I owe around $12,723, and I plan on paying off in less than 6 months, although I could pay it off in one payment.

And that’s why in this video im going to give you guys my plan to how I owe 12,723, and I pay 0 interest and the different ways to get rid of this debt without paying interest.

Im going to answer these questions.
The fastest way to pay it off?
How to pay no interest?
And if you should just default?

How to pay off credit card debt fast | Less than 6 Months

One Rule: Once you’re done, stay out of credit card debt. Use the card with rewards and points and pay them off in full, and that way, you win, and the credit card company doesn’t make 30% by charging you interest.

1. Audit: this how we know how much we owe and to who and at what price.
– List Credit Cards, Interest rate and amount
– ( call in your credit if you don’t know the APR or go to the App)
Example:
Apple rewards Card: 27.49% and I owe $5,014.53 (it’s 0% because of promo)
Discover it Card: 16% and I owe $310 (it’s 0% because of promo also)
Chase Unlimited Card: 26.49% and I owe $1999.62 ( 0% because of promo)

What to Do and which one to pay Off and How? Avalanche Method saves us Money
Step 1: Organize the Card in order of high APR
Step 2: Pay More money towards that card and the minimum on the others
Step 3: repeat

Tip: I pay 560 on average a week towards my cards; you can start 100 bucks or an extra 60; the key is to step by step lower the balance.

2. How to Avoid Paying Interest
Tip: transfer the balance to another card with a promotional Period
How: its Call a balance transfer
Story:
– I needed cash, so I would take cash advances and do deals with them
– Now once I had to pay interest, I would transfer the balance to a card that gave me 12-21 months to pay it off interest-free
– Why? You have to pay 3% to transfer the balance, but that’s a lot better than 27%
Instructions:
– Get a balance transfer card
– Transfer the balance
– Pay your cards in full before the time runs out
Video on the best Cards: https://www.youtube.com/watch?v=X3kNqHWezKU

3. Should you Default ( I’ll make an entire video on this later on)
Story: I remember I got my first credit card, and I spent 3k and maxed it out, and then 1-2 months later, I lost my job.
– I thought about, and some people recommended I stop paying but just like you I came to videos and books to find solutions
– In the end, if I would have stopped paying I would have been financially screwed over
– Plus theirs a lot more benefits to solving problems you get yourself into, than defaulting and banks know that and respect that.

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I PAID OFF $10,000 IN CREDIT CARD DEBT IN SIX MONTHS GJFREKJGHRJFEGK I’m too excited WOW. Here’s a very detailed video of my debt payoff process!! #personalfinance #debtpayoff #creditcarddebt

TIME STAMPS:
0:00 – intro
2:01 – how I got into 10k of credit card debt
5:30 – get serious and commit to a debt payoff plan
6:30 – balance transfers
7:23 – track your income and expenses & create a budget
7:59 – pay more than minimum payments (debt snowball vs debt avalanche)
9:04 – find extra money to use toward debt (cut your spending and/or make more money!)
11:18 – I have definitely increased my income (+ my estimated total income for 2019)
12:50 – what percentage of my income goes toward debt?
14:35 – how much did I pay each month?
16:40 – my debt payoff hype song lmfao
17:36 – how do you resist lifestyle inflation / spending more as you earn more?
18:43 – how do you stay motivated during debt payoff?
19:57 – what was the most helpful way to think about the process of paying off debt?
20:33 – are you saving while paying off debt?
21:13 – what’s next? Pay off my student loans! + my current total loan balance
22:49 – how has your credit score changed?
23:24 – did you still use credit cards while paying them down?
24:46 – what do you recommend for young people regarding credit cards and student loans?

SOURCES & REFERENCES:
Opening Up About My Student Loans and Credit Card Debt – https://youtu.be/tku2C-DgA6s
Finances of a Full-Time YouTuber (taxes, budgeting, etc) – https://youtu.be/3NMQyrvp7o8
Debt Snowball Vs Debt Avalanche | Which is the Best Debt Payoff Strategy? – https://youtu.be/jtgnRJKSJlw
What is a balance transfer? – https://www.creditkarma.com/credit-cards/i/what-is-balance-transfer/
The Financial Diet – https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw
Aja Dang – https://www.youtube.com/user/ajabdang
Sarah Nourse – https://www.youtube.com/channel/UCDbGw5fdxTLjRsNnD7_Jwvw

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Hello my dudes! My name is Tiffany Ferguson. I’m a 24 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I’ve been working on my Internet Analysis series, where I research and discuss topics related to social issues and media. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and more.

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Paying off your credit card debt can seem like a MONUMENTAL challenge. And getting rid of your credit card debt FAST is even harder. Here are the 4 steps I took to eliminate my $14,000 of credit card debt in just 7 months!

Please LIKE or COMMENT if you enjoyed the video! It helps a lot. ?

If you found any of this so INSANELY useful/helpful/inspiring, I wouldn’t mind waking up to a free coffee tomorrow morning. ? buymeacoff.ee/rapidweblaunch

More of a reader? Check out my full blog post: https://blog.rapidweblaunch.com/2016/08/29/pay-off-credit-card-debt-fast/