My July Debt | Dave Ramsey Snowball Method
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- เผยแพร่เมื่อ 20 ต.ค. 2024
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I've been watching you since the very beginning when you literally only had $10 to put toward your debt snowball at the end of a paycheck and you had a whole page worth of debt. I'm so proud of you! You are doing so amazing!!
I almost break into tears every time I remember those day,, Im just glad that I never stopped and made those $10 develop into the snowball it is now. Thank you for supporting my journey all this time!
It's not that debt follows you. It's that you invited it into your life, and it'll hang around till you kick it in the butt forever! On a side note: I love your handwriting!
It still amazes me that you still are paying off dept while you are temporarily at home truly amazing
Trying to be the most discipline I can during these times. Its days/moments like these that you really see what you are capable of doing even with limited resources
I just found your channel, and you are so motivating to me and my debt journey. Congrats on paying off a card! I’m so excited for you to pay off your Bank it America card in just two more months too! Keep up the good work! 😁
So glad to hear!
I just started watching your TH-cam channel but you're the TH-camr that has officially kick-started me into wanting to budget out my life. I slowly started watching Dave Ramsey's videos but you make it easier to understand for some reason. I'm going video by video, setting up my budget planner to get started for August and I'm super excited!
Omg yay! Super excited for you!
Girl how’d you get into so much debt? I’m sooooo proud that you are slowly but surely paying them off! Honestly, store cards are such scams!
For real the only store card I have now is Macy's with a #300 limit as soon as I use it I pay it bk
Really impressed with your dedication and discipline. Nice work!!
Thank you!
You're doing incredibly well!!!! I have so much admiration for your discipline. Keep going, lots of love and strength ❤
thank you!
Congrats on paying off another credit card!!! Hope you are able to meet your goal of having BOA paid off in 2 months! You are doing such a awesome job this year!
Fingers crossed!
Love hearing the excitement in your voice about paying off your cards and your debt snowball plan for BofA!!! 🥳🥳🥳🥳🥳 These are some of my favorite videos of the month!
💕😭
Amazing 😻 yes girl and yes again still here binge watching!!!!! 💜
Girl you are making AMAZING progress. You are such a huge motivation for me :)
We can do it!
You could take the paper out to write on so the rings don’t get in your way.
This is amazing progress. When you first started, your debt was a lot closer to your annual income, and now look at it!
Way to go Erika!! The numbers are shrinking!! Amazing!
Mary youre back! Missed you!
erika_ lifevlogs I missed you too!! And all this TH-cam community! I hope you and your loved ones are doing good, heard about the earthquakes in California. Will hold you in my prayers.
Girl keep strong I feel you Bank of America is a headache I was so so glad to get rid of them. Keep it up!
That is definitely an amazing amount to be down on your debt! Keep on working and I'm sure you'll knock out those smaller debts in the next few months!!!! You, as well as some other youtubers are my motivation for 1. my debt free journey (because my debts are so large, so I can't really celebrate small wins so instead I do them for you in these types of videos) and 2. starting my own channel. I actually was motivated by seeing your videos as well as some other channel's videos so that I would have accountability.
Wow we started at the same amount, and both have around the same amount left. Mine is all student loan debt, so the snowball is slow rolling. I remember when you first started and you have been killing it👏🏾
Since some of those balances are so similar, I would do either the highest interest or the one which annoys/bothers you the most.
I paid off one of my CC "out of order" for the snowball, but it was the card/company which just frankly pissed me off the most. Felt so good to get rid of that annoyance and gave me a boost and more motivation to knock out the rest of the debts.
Yup. Thats why bank of america is next in line
Dave Ramsey recommends to attack one debt then move to the next one from smallest to the largest. Good Job. Keep going.
Dave recommendation is the pay minimum on all cards as you can’t not pay your card payment.. but you are suppose to snowball the one payment into the next to gain momentum with how you are paying so say she has 3 cc payments $900.00,$2000, and $3000 she pay more on her 900$ card first with the minimum being on the other two
I love your videos! They are so addicting. Very inspiring too! Well done oxox
Wow very nice idea for your budgeting tracker
Thank you
I’m new to your channel... Great job.. I’m also doing Dave Ramsey... I’m on baby step #2 I’m almost done 💃🏾💃🏾💃🏾💃🏾
Crazy how much you've paid off in 2 years! Proud of you!!!! Keep up the awesome work!!!!!
Hi Erika, congrats on paying off one of your cards. I also paid off one of my cards as well. Your videos motivates me and others to never give up on our debt journey. 🥰❤️🥰❤️🥰❤️
Congrats Mayra! 🥳
Can you sell notebooks that don’t have the cover but have those pages maybe even have just the pages for sale with the stickers. I want one!!! I looked on your Etsy shop but you don’t have one
I’m super, super proud of you. I remember getting heart failure at the number of credit cards you had. Now due your hard work look at where you are. Keep up the good work. Much better over $34,000. Good job.
Question: Does that $200 include the other paid off cards minimums? That’s how a true snowball work; adding that to the B of A credit card minimum then anything else you have to throw at it.
That is AWESOME Erika!!! Get it girl!! Keep it up!! You are an inspiration!!
Oooh you're so close to getting those cards down!! I need to get back on track with my budget!
Proud of your progress your inspiring us girl to get it together and get these debts taken care of lol
Your doing great! I started out with 5 credit cards 2 years ago. I’m down to my last two credit cards but they are the biggest $2000 & $3000. Your Channel inspires me.
Omg congrats on this huge milestone. I cant imagine until Im on my last 2! $10,000 and hopefully $3,000 by then :)!
Aw I love your message in this video! Lmao i just thought the ice cream truck was outside and its 847pm!!!! Hahahaha but back to what I was saying....was inspiring to hear you talk about what your debt money could be going to. Huge eye opener. Weve all gotta take ownership of our debt own up to it. Learn from it. And better. Congrats girl!
That is AWESOME! Keep up the great work.
You’re getting there! So close! Keep up the good work 😊
i love your personality, you will get your debt paid off in no time :) new subbie!
Hi! Thank you for following along
So by subscribing and viewing every of your Videos we help to pay off your debt?? DONE 👍🏼 you Are Amazing keep going !
Yes you help me every month! My youtube paychecks are because of you guys and I put it towards debt
Keep up the Good Work. Its a really awesome feeling when u succeed in paying off debt.
I am paying off by annoyance too. My student loan, then my Citi card, then my Discover card. My Citi and Discover card only a couple of hundred dollars apart. The Citi one annoys me because the interest rate is so high compared to the Discover.
As of this moment, I have less than $300 in debt. This is very painful to watch. That’s a brand new car worth of debt. Good luck and stay motivated.
It really depends who is watching. To me its 13k less of what I initially have you see it as a beginning start which can deplete all hope. Whereas I see it as pure motivation to keep going.
erika_ lifevlogs i did see it was more than what you have in this video. I like to write down what i have left so it keeps me centered in paying stuff off. Not to mention i keep telling myself that my job isnt there forever so i have to take advantage and save up right after being debt free. Keep going at it and hopefully we get to the finish line sooner than expected.
Beautiful writing what pen are you using
You are making so much progress!!
You are killing it girl. Yay! I wish I had your SL amount. My SL is 58k ugh.
Its a hard journey but we will get through it
Almost there girl 💪🏻
So proud of you keep up the good work
I messaged you a few minutes ago, I had an address change on my order I placed this evening. Thank you. 😃 I bought the mini bill due stickers.
U got this!!!!! Dedt free is awsome. Savings account will be fat when u have no dedt and still have ur plan. Excited for you
Love your videos girl! I totally follow the Dave Ramsey methods but I have a question. Instead of paying of BOA, why not pay off Best Buy that’s almost the same payoff amount, but a higher minimum payment amount? That would save you more per month
Its more of an annoyance/irritation I feel towards bank of america therefore I make it priority. Its all an emotional rollercoaster with these cards 😂
Good job on your progress.
Thank you
You are welcome.
Would you recommend a Bank of America credit card 💳 I have a Capital one credit card I only have one card and I always pay my credit cards in full every month I just use it for my bills and then pay it off when I get paid
Bank of America is the worst to work with! Honestly we have one with our bank and one with them I hate them both
I like the cash rewards for the rewards.
Woot!!! You've got this!!!!!!!
Thank you!
May I ask how you got into all this debt? Absolutely no judgement, if there’s anyone that’s money wise it’s you :) Also looking for ways to avoid growing debt when I’m older x
Student loans was my first introduction to debt. Then seeing roommates having their own personal credit cards in college had me wondering why I didnt have one so I started applying for every card I could get - ( the mall! 🙈) Best tip dont fall into keeping up with your roommates or friends!
No more Erin fondren planner? What made you switch?
The dashboard pages and the non existent notes pages in between the month
What printer do you use to print off stickers? I'm looking for a good one to start printing mine off :)
I use a canon mx922 that i got off an app called offerup. Actually I got all my equipment from there including my silhouette. I recommend watching ShayBudgets EtsyShopConfessions Playlist- really helpful.
erika_ lifevlogs thank you. 😃 I’m so excited to start making stickers !!
Woo woo another one bites the dust!
I love your stickers, any chance you would ever do one for budget savers?
I would love too! But I would love ideas on what to include :)
@@erikalifevlogs I will get back to you on that. It's a question I have been trying to figure out myself.
Amazing!!! You got this!!
Look into “tandas” it’s a way to save money
Wahoooo you go girl
Thank you 😊
Keep up the great work!!!
Thank you thanks you for being so real!! Thank!!! God bless you.
Love your videos and maybe it’s just me but is the camera moving around? It seems shaky and makes it hard for me to watch (I get motion sick pretty easily 😞). Love hearing about your progress!
Yes sorry! I havent stabilized my tripod in a while
erika_ lifevlogs oh ok, that makes sense why lol.
New subbie, enjoyed this!
Thanks!
Good job one less payment.
What planner do you use
Its a Big Happy Notes from the rong rong collab and I added 2- 6month extension packs and divided the notes pages to my needs
Great job . Where can I order planner from!!
I believe I linked it in the description box but its not a planner its a notebook I makeshift into one. Its the Big Happy Notes with 2 | 6 Month Extension Packs in it
you are doing so well, and that would be nice when you get a house to get your own filming area with no annoying neighbors and the ice cream truck >..
Keep strong; you’ll do it,!
Great job! Stay focused
You're amazing!
Thank you
This is a great video!
Thank you
Can u consolidate your student loans?
No just because I dont want to do that. I dont think its a huge debt to have it transferred out to a different loan
Awesome!
Good job!! Keep chipping away at that debt.. 😊
You betcha! I need these cards out of me life
About to pay off Victoria’s Secret next month!
woohooo ! Congrats!
watching the full ads so you can get that $$$$
😭 you’re the best!💕
Another new sub here, really enjoyed the video. Wish I'd found you earlier!
Welcome 🥳
Where did you get that planner?
I'm waiting until my kids stop needing daycare to tackle my loans, because paying just interest gets me nowhere.
65k and counting.
You're doing great
You are NOT doing the debt snowball.. debt snowball is paying off all your debt from smallest to largest. You are just paying off debt.
K
The debt snowball requires you to pay minimiums on all debts except the smallest.
Sad...