Hey Guys!

In today’s video, I am setting up my 2019 #DebtSnowball in my 2019 Budget Happy Planner. I’m excited that we have paid off over $25,000 in credit card debt but since then I’ve gotten pretty relaxed. it’s time to get the ball rolling again!

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BUDGET WITH ME PLAYLIST:
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MONEY PLAYLIST:
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PLAN WITH ME PLAYLIST:
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ABC News’ Faith Abubey reports on individuals who have paid off mountains of debt in the midst of the pandemic.

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?? Check out my online tutorial on ? “How to Defend Yourself in A Debt Collection Lawsuit” and many other DIY forms, tutorials, and templates – click here http://Legal.Coach ????

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In this video I am going to provide you with proven strategies on how to win a debt collection lawsuit. Most debt collection lawsuits are filed over credit card debt.

$269,000 In Debt. Should I File Bankruptcy?

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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

Should I Let My Fiancée Save Up to Pay Off My Debt?
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q

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Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!

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Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!

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Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it!

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Getting out of debt can feel overwhelming. The first step is to organize yourself so that you can plan out exactly how to get yourself to financial stability. Lauren Lyons Cole, a certified financial planner and senior editor at Business Insider, explains the first steps you should take to attack your debt.

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Following is a transcript of the video:

Lauren Lyons Cole: My name is Lauren Lyons Cole. I’m a certified financial planner and a senior editor here at Business Insider.

I’ve helped a lot of clients get out of debt, and it’s actually a lot of easier than it seems when you’re staring at a pile of credit-card debt or student loans that you just don’t know how to get ahead of.

The first step to take is to get organized. That’s the part that a lot of people are afraid to tackle. So take a Saturday morning, make yourself a really nice brunch, and make a list of all of the different debts that you need to pay off. What I mean by that is, make a list of exactly how much you owe to each different place. So if you have a Visa that you owe $2,000 to, put that first on the list. You also need to know your interest rate, the minimum payment, and the due date for that debt. Keep doing that for all the different things you’re trying to pay off. That way you can prioritize which debts you want to tackle first.

Once you can see a full picture of everything you owe, you can create a plan. But before you create a plan, it’s important to take a step back. There are a few things that you have to be aware of. No. 1, be realistic when you are creating the plan. You don’t want to set yourself up to fail. Paying off debt can take a long time. Two years, three years, even longer. So this isn’t something you’re going to fix overnight. And that’s OK.

The other important thing to be aware of, though, is that this is temporary. We are not talking about forever. So any sort of lifestyle adjustments that you make now to pay off your debt will eventually end. And you absolutely can pay it off. I’ve seen so many people do it.

To tackle your debt, at the bare minimum you have to make all of your minimum payments on time. That’s very important for your credit score. So you can set up automatic payments to make sure those payments will go out on time and in full.  Obviously, you’ll have to pay more than the minimum payment to put a dent in your debt. But exactly how much will vary from person to person, and it could even vary from month to month. A good rule of thumb is to aim to pay double your minimum payment to any of your debts. That might be hard in some cases. So even paying $20 or $50 more can speed up the process of getting out of debt.

I’ve had luck with clients who have paid the debt that had the highest interest rate first. Some people would recommend paying the smallest debt first. So if that works better for you, great. The point is to gain momentum so that you begin to see your debt balance decrease. It might take a little trial and error to see which one works best for you.

The hardest part about paying down debt is that it really does require a lifestyle change. Again, it’s just temporary, but you’ll have to cut back on certain areas of your spending if you are going to free up money in your budget to put toward paying down your debt.

Once you have a plan in place, it’s important to stick to it. But if extra cash pops into your bank account from a tax refund or a really generous gift, there’s nothing wrong with putting that toward the debt as well to fast-forward the process.

Paying down debt is a temporary goal and one that is very achievable. All it takes is getting your plan in place, sticking to it, and watching it happen.

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Business Insider is the fastest growing business news site in the US. Our mission: to tell you all you need to know about the big world around you. The BI Video team focuses on technology, strategy and science with an emphasis on unique storytelling and data that appeals to the next generation of leaders – the digital generation.

Today we play Grand Theft Auto San Andreas.

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Ding dong the witch is dead! Which old witch? The credit debt witch! Here’s how I killed the wicked old witch of debt and eliminated twenty two thousand of credit card debt in just three years.

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Recommended for all viewers: 5 Great Money Books for Young Adults- http://youngfinances.com/blog/best-books/

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In lifetimes, we might have entered into soul contracts. Or we take vows of poverty or celibacy, make promises, etc. in our various incarnations. These contracts keep piling up over time and limit the expression of your soul in this lifetime, without you knowing what is going on.

In this guided meditation you will cancel, break remove any contracts that you or your ancestors made, that are outdated and do not serve your spiritual evolution and your life’s mission any more. You will also invite the angels and other divine beings to clear karmic junk and assist you in reaching your highest potential.

Book a Spiritual Consultation with Wolfgang:
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email Wolfgang
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Meeting Your Star Family
https://www.youtube.com/watch?v=1Bmodbrj7YQ

Alien Abductions and Star Seeds
https://www.youtube.com/watch?v=2DsH9xQSZ9Y

The Benefits of Guided Meditations
https://www.youtube.com/watch?v=VhloR9wmhJY

I Do Not Fit In
https://www.youtube.com/watch?v=Z1J68DZlojE

Meeting Your Ancestors
https://www.youtube.com/watch?v=KTZV8n2AD8k

Cord Cutting for the Broken Hearted
https://www.youtube.com/watch?v=K7bOQ3j9iM0

How to Create a Healing Circle
https://www.youtube.com/watch?v=qkqRYhFLBzE

How Ghosts Affect Our Lives
https://www.youtube.com/watch?v=pu_lDNQ53WQ

How to Ascend Ghosts to Heaven
https://www.youtube.com/watch?v=VyFv-IRTwBI

How to Clear a Room of Negativity
https://www.youtube.com/watch?v=i6Ees0Muea8

Clearing Inquisition Trauma for Lightworkers
https://www.youtube.com/watch?v=zf_GnNy6oGk

Defense Against the Dark Arts
https://www.youtube.com/watch?v=VFuCrIOjZ6Y

White Tantra for Spiritual Lovers
https://www.youtube.com/watch?v=9NKcyl5zqEY

Dealing with Guilt
https://www.youtube.com/watch?v=jx51Tw4WogE

Face Reading Secrets
https://www.youtube.com/watch?v=yL6oE8OklDI

Meeting Your Inner Child
https://www.youtube.com/watch?v=qt567PaNNfc

Meeting Your Inner Shaman
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Meeting Your Female High Self
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Meeting Your Male High Self
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High Self Encounters
https://www.youtube.com/watch?v=6w8hJafEZ30

Self Massage and Office Chair Stretching
https://www.youtube.com/watch?v=68vRaAqMCrs

The Love Meditation
https://www.youtube.com/watch?v=g_t83Tvoi2k

Love in under 1 Minute
https://www.youtube.com/watch?v=EktGLdtBFVw

Clearing Trauma from Our Atlantis Incarnations
https://www.youtube.com/watch?v=EW2NIdMN1O0

How to Use an Atlantean Style Crystal Wand
https://www.youtube.com/watch?v=OPF4oFIAMn4

Visiting Atlantis
https://www.youtube.com/watch?v=hqqnEGBgd8M

Dragon Breath or Breath of Fire the Easy Way
https://www.youtube.com/watch?v=RedEAovaieE

The Secret of the Platonic Solids Symbol
https://www.youtube.com/watch?v=Yr1SO8nU8O4

Healing Yourself with Black Tourmaline
https://www.youtube.com/watch?v=DM1FWG61HqM

How to Heal Yourself with Rosequartz
https://www.youtube.com/watch?v=-6z6OGZTFFQ

How to Use a Pendulum
https://www.youtube.com/watch?v=uHE9z1Ay0ao

How to Use a Real Crown
https://www.youtube.com/watch?v=Z4s–8VHvLc

Egyptian and Nature Crowns by Ishani
https://www.youtube.com/watch?v=kRCd_QS_An8

How to Use Gems and Crystals
https://www.youtube.com/watch?v=eeMGjdn20xg

How to Use a Real Magic Wand
https://www.youtube.com/watch?v=wjl8JYDssVk

How to Use a Crystal Wand
https://www.youtube.com/watch?v=spF2Q1OaTEw

Magic Crystal Wands by Ishani
https://www.youtube.com/watch?v=pZ7wlZm6bDA

Hands On Healing Easy and Advanced
https://www.youtube.com/watch?v=dU59alK-Lnw

Lazy Ascension Habits
https://www.youtube.com/watch?v=dLZ6ogWJwXg

The Inner and Outer Guru
https://www.youtube.com/watch?v=cppDjRYRNa8

The Chi Defense
https://www.youtube.com/watch?v=rrrQ1D7GFX4

The Divine Kiss
https://www.youtube.com/watch?v=JIhg1HJPf0M