I pay my CCs like you do. I try to get the lowest amount paid off as quick as possible, and that keeps me motivated. I am a shopaholic and have got myself in major debt. I am chipping away at mine as well. Keep going girl
I agree! There’s something about seeing a debt get lower even if it’s a small one. And paying it off that keeps you motivated versus the big ones that feel just like it’s never ending 😅 we got this. A year from now we’ll be in a different place!! It you need support I got you!!
Thank you for responding!! It's still been on my mind and I agree! I will be adding it to my debt balance for next month!!! Got to crush all the forms of debt! 💃😊
My husband retired in November so we had to make so many big changes pretty fast. I had to do a budget for the first time ever. Let me tell you, that really opened my eyes as to how much money we were blowing! It was unreal! We ate out way to much! Once I figured out a meal plan, we started saving so much money! The money we saved from eating out and grocery shopping, I started paying extra on our last credit card. Getting it paid off has been such a relief. Now we are working to get our house paid off by the end of 2026. Paying an extra $1400.00 a month on the principal, we will be knocking 19 years off of our mortgage. Finally, after 40 years of marriage, we can see the light at the end of the tunnel! If I could go back in time, I’d do things so differently! The main thing would be to do a budget! I always knew exactly what our income was but I was clueless as to what our actual monthly expenses were. Seeing the total on paper makes a huge difference.
It is definitely eye-opening when you sit down and look at numbers. A plan of action and a budget is the way! I am so happy that you guys paid off your last credit card!! And getting your house paid off by the end of 2026 what an amazing goal! Thank you so much for sharing that. It gave me a little Wednesday morning inspiration! I can’t wait to hear any a year and a half that you have a paid off house! 🏠 💃🏻🍾🎉💕 I am so excited for you guys!
Wow you just put into perspective I have phone debt. 😢 I don’t include my phone bill into my total debt because in my brain I’m paying a “service fee” but that makes total sense. I don’t have a paid off phone so yes, it is considered debt. Thanks girl!
That is how I was feeling!! I’m like I don’t pay any interest or anything and it’s already in my phone bill so that’s why I was like why should I include it in debt. But at the end of the day if I paid it off, I’d have a lower phone bill, which I would love even more. 💃🏻💃🏻💃🏻💃🏻
Thank you so much friend! 💜 I appreciate you! I just subbed back! I will be showing your videos some love in the next few days once I get through my work week! 🤗
I include a phone payment since it’s a debt, you bought something without paying in full. Better yet, once you pay it off you have that amount to put towards another debt! 😀 I love growing my snowball.
That’s what I’m thinking! I’m going to add it to my total debt in May’s video. I can’t wait to have that extra snowball again to be getting things paid off!
Thank you for your thoughts Robin! I know I was going back-and-forth because you can’t make extra payments on it only through your phone bill or you have to completely pay it off in full. But what I’m thinking is added to my debt. But create a savings challenge specifically for it!
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Hello Alexis,
Thanks for sharing your debt breakdown. Remember one day at a time. Have a great weekend. 👍42 likes
Yes! Thank you! 😊 one day at a time
Girlie!! Where's our accountability group chat?! We are your budget buddies!! 💚💚💚
No one else said anything. Soo we need to make one!!! 🤗
I pay my CCs like you do. I try to get the lowest amount paid off as quick as possible, and that keeps me motivated.
I am a shopaholic and have got myself in major debt. I am chipping away at mine as well. Keep going girl
I agree! There’s something about seeing a debt get lower even if it’s a small one. And paying it off that keeps you motivated versus the big ones that feel just like it’s never ending 😅 we got this. A year from now we’ll be in a different place!! It you need support I got you!!
Yes if your phone isn’t paid in full it is a debt. I track my debt payments monthly and I include my mortgage.
Thank you for responding!! It's still been on my mind and I agree! I will be adding it to my debt balance for next month!!! Got to crush all the forms of debt! 💃😊
hey hun! great debt update and being truly transparent! ❤️
Thanks so much!! I appreciate you! It's scary being so transparent but I know the accountability of it long term is worth it!!! 💜😊
My husband retired in November so we had to make so many big changes pretty fast. I had to do a budget for the first time ever. Let me tell you, that really opened my eyes as to how much money we were blowing! It was unreal!
We ate out way to much! Once I figured out a meal plan, we started saving so much money! The money we saved from eating out and grocery shopping, I started paying extra on our last credit card. Getting it paid off has been such a relief.
Now we are working to get our house paid off by the end of 2026. Paying an extra $1400.00 a month on the principal, we will be knocking 19 years off of our mortgage.
Finally, after 40 years of marriage, we can see the light at the end of the tunnel!
If I could go back in time, I’d do things so differently! The main thing would be to do a budget! I always knew exactly what our income was but I was clueless as to what our actual monthly expenses were. Seeing the total on paper makes a huge difference.
It is definitely eye-opening when you sit down and look at numbers. A plan of action and a budget is the way! I am so happy that you guys paid off your last credit card!! And getting your house paid off by the end of 2026 what an amazing goal! Thank you so much for sharing that. It gave me a little Wednesday morning inspiration! I can’t wait to hear any a year and a half that you have a paid off house! 🏠 💃🏻🍾🎉💕 I am so excited for you guys!
Hey!!! You got this!! 💚💚
I'm also on a debt free journey, and it's so hard, lol
Keep up the great work!!
Thank you so much! It is so hard 😅 but we got this!! One day at a time! 🤗💃🏻
Wow you just put into perspective I have phone debt. 😢 I don’t include my phone bill into my total debt because in my brain I’m paying a “service fee” but that makes total sense. I don’t have a paid off phone so yes, it is considered debt. Thanks girl!
That is how I was feeling!! I’m like I don’t pay any interest or anything and it’s already in my phone bill so that’s why I was like why should I include it in debt. But at the end of the day if I paid it off, I’d have a lower phone bill, which I would love even more. 💃🏻💃🏻💃🏻💃🏻
Here to support your goal to 1k! Good luck to you!
Thank you so much friend! 💜 I appreciate you! I just subbed back! I will be showing your videos some love in the next few days once I get through my work week! 🤗
@@alexistacklesmoney I’m actually really enjoying your videos. So glad Nikki posted about you!
That makes my heart so happy to hear you say that. Thank you so much 🥹😭
I include a phone payment since it’s a debt, you bought something without paying in full. Better yet, once you pay it off you have that amount to put towards another debt! 😀 I love growing my snowball.
That’s what I’m thinking! I’m going to add it to my total debt in May’s video. I can’t wait to have that extra snowball again to be getting things paid off!
Hi Alex, thanks for sharing another great video.
Thank you 💜💜
I don’t add phone to debt. I Just consider it part of the phone bill. You do what makes sense for you. :)
Thank you for your thoughts Robin! I know I was going back-and-forth because you can’t make extra payments on it only through your phone bill or you have to completely pay it off in full. But what I’m thinking is added to my debt. But create a savings challenge specifically for it!
I would love an accountability buddy! I have my sister but we kind of enable each other sometimes.
Let’s definitely be accountability buddies! Do you have Instagram? If you do message me there!!
@@alexistacklesmoneyYes I do, I’ll get a money related one opened them message you. Yea!!
Okay!!!!
I’ve been thinking of starting a channel to talk about debt.
You should! Sometime just sharing your journey whether it’s on whatever social media is amazing for accountability!!
We consider the unpaid balance on a phone, device, or equipment through the phone company as a debt.
That’s what I was leaning towards!
Proud of you
Thank you so much Julie 💜🥹 that means a lot
We do not pay interest on our Verizon phone loans.
Yes which is nice. But I can’t wait to pay it off and have a lower phone bill!!
@@alexistacklesmoney Yes, it lowers the monthly bill. But paying the phone et al allows you to switch companies and more too. It opens up options.