Financial life is more comfortable and safer when you have good risk management skills, if you know how to trade you can make a ton of money no matter where you find yourself..
I once had $45,000 in credit card debt 😑🙃😫 (I know embarrassing). It took me 3 years to get rid of. The first $25,000 took me 1.5 yrs to get rid of. The time frame you are targeting is doable. Best of luck 😊.
I am a single mom currently retired, and considering the current rollercoaster nature of the stock market, I decided to stay on the sideline for awhile, now I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?
I’m seeking to invest a good amount across various markets but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you make your picks
definitely speaking with her, I've wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year, its hard to bite the bullet and do it
was in a similar boat and have just recently stated regular deposits into Vanguard. If things start to look less volatile and I feel more confident I can top it up more then. The way I look at it is, with inflation I’m losing a chunk of cash every year I don’t invest and I think over the next few months seems a great opportunity to
Thank you for being so transparent. It's not easy to admit having a substantial amount of credit card debt. I think about all the people in New Orleans who don't have anything to fall back on.
I always wait on your video to go through my box in detail. Glad you finally got your video up 😉your videos are the best. You let us see the products. Most people have their cameras too far away. ✌🏽
I am a single woman that is mostly trying to ⚖️ balance out financially and thinking of my goals has never been so easy since I have your goal sheet. Will you be able to go over the bills and subscription tracker sheet?
Thank you for creating useful videos .Just a quick question ,what is the best planner size A4 or A5? I am going to create my own planner inserts on Canva.
Hey Alaina, just a quick questions on the creditcards as it works a bit different here in Germany. In the live video you said, that you have some savings for bigger but not regular things and you use credit card not so often, mostly for points. Is it an option to put those savings on a prepaid credit card or do they not have a good interest rate/are not common in the US?
So with our credit cards we can get rewards from using them. These rewards are points that we can use for flights or hotels. So if you pay off your credit cards on time it’s basically free money. It only works if you pay it off on time though…😭 Otherwise you are charged interest each month.
@@TheOrganizedMoney That I get, but there aren't any prepaid credit cards that accumulate interest for you? It's only the debt side or stricktly paying it off? Just on a quick look, I could get one here from VISA, that gives me miles&cash back, and is prepaid, so no debt.
Hi Aliana, your video helps me a lot in overall life organization. I follow your videos and customise according to my needs. I suggest that Debt reduction tracker and savings tracker could fit into one page if it is in table format. Saves time flipping.
This video was so helpful! I was wondering how do you account for interest on your Debt Reduction Tracker. You have a starting balacnce and you make payments each month but interest also is added so how would we enter for each month?
If you look at your bill, you could calculate the finance charges, probably annual and divide by 12. Take the payment and subtract the finance charges ...which gives you the amount actually credited to the balance.
So a balance of $1000 at 20%, is $200. per year, divided by 12, to calculate 16.66 per month. If the payment were $30. minus 16.66 the actual decrease in the balance would be 13.34......legalized loan sharks. Debt is very hard to pay off, and so quick to add up.
Credit card rates are crazy right now! Most of mine are 28-33%. I just don’t get it how they are so high; paying back the balance plus all those fees is insane so I’m afraid to carry a balance, but know I have them if I really need them.
Financial life is more comfortable and safer when you have good risk management skills, if you know how to trade you can make a ton of money no matter where you find yourself..
sound so interesting.....
I once had $45,000 in credit card debt 😑🙃😫 (I know embarrassing). It took me 3 years to get rid of. The first $25,000 took me 1.5 yrs to get rid of. The time frame you are targeting is doable. Best of luck 😊.
Tell your Nail Professional 💅 great work! Very good and helpful info today! Thanks for sharing your gifts with the world. 🌎
I am a single mom currently retired, and considering the current rollercoaster nature of the stock market, I decided to stay on the sideline for awhile, now I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?
I’m seeking to invest a good amount across various markets but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you make your picks
Slow and steady wins the race, I'm about to start on that, the challenge is knowing when to purchase or sell
definitely speaking with her, I've wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year, its hard to bite the bullet and do it
was in a similar boat and have just recently stated regular deposits into Vanguard. If things start to look less volatile and I feel more confident I can top it up more then. The way I look at it is, with inflation I’m losing a chunk of cash every year I don’t invest and I think over the next few months seems a great opportunity to
I'm grateful for your insight
The illumination 🥰
Thanks for sharing
Budget closeout is a weak point of mine. I don't even think I did 3 for the year, so I need to put that as a goal for myself as well. Great video.
Same here it’s very rare that I’ll actually do a budget close out and I’ve been on this journey for years 🤭🥴
Thank you for being so transparent. It's not easy to admit having a substantial amount of credit card debt. I think about all the people in New Orleans who don't have anything to fall back on.
Yes. Hurricane season can be brutal on our finances
Roth limits are going up another $500 in 2024. Depending on your income level you could contribute up to $7k.
Great budget planner I love this page.❤
I always wait on your video to go through my box in detail. Glad you finally got your video up 😉your videos are the best. You let us see the products. Most people have their cameras too far away. ✌🏽
Great one! 🎉
Lovely and inspiration video as always ❤️
Super helpful video thank you for sharing 🙏🏾 😊.. you have some very well thought out goals
Can you do a video on a budget close out?
Yes!
Great video! Very informative ❤
I am a single woman that is mostly trying to ⚖️ balance out financially and thinking of my goals has never been so easy since I have your goal sheet.
Will you be able to go over the bills and subscription tracker sheet?
maybe you could film your budget close outs to keep yourself accountable? Just a thought ❤
That’s a great idea
This is very helpful.
Hello there, where would i find the Debt Reduction tracker? Thanks for sharing.
Love the video
Thank you for creating useful videos .Just a quick question ,what is the best planner size A4 or A5? I am going to create my own planner inserts on Canva.
I love letter size...lol. But I know that's big for most people so I would also say A5 is a popular size
Is 6k your adjusted Roth IRA maximum amount?
Hey Alaina, just a quick questions on the creditcards as it works a bit different here in Germany. In the live video you said, that you have some savings for bigger but not regular things and you use credit card not so often, mostly for points. Is it an option to put those savings on a prepaid credit card or do they not have a good interest rate/are not common in the US?
So with our credit cards we can get rewards from using them. These rewards are points that we can use for flights or hotels. So if you pay off your credit cards on time it’s basically free money. It only works if you pay it off on time though…😭 Otherwise you are charged interest each month.
@@TheOrganizedMoney That I get, but there aren't any prepaid credit cards that accumulate interest for you? It's only the debt side or stricktly paying it off?
Just on a quick look, I could get one here from VISA, that gives me miles&cash back, and is prepaid, so no debt.
This is so well thought out! Is your Etsy shop your only source of income, or do you have a full time job?
I am also a pastor of a church with my husband
Hi Aliana, your video helps me a lot in overall life organization. I follow your videos and customise according to my needs. I suggest that Debt reduction tracker and savings tracker could fit into one page if it is in table format. Saves time flipping.
Good morning I would like to know about the 529 plans for your girls what is it?
It’s their educational accounts with Fidelity. An investment account that will help when it’s time for college
This video was so helpful! I was wondering how do you account for interest on your Debt Reduction Tracker. You have a starting balacnce and you make payments each month but interest also is added so how would we enter for each month?
If you look at your bill, you could calculate the finance charges, probably annual and divide by 12. Take the payment and subtract the finance charges ...which gives you the amount actually credited to the balance.
So a balance of $1000 at 20%, is $200. per year, divided by 12, to calculate 16.66 per month. If the payment were $30. minus 16.66 the actual decrease in the balance would be
13.34......legalized loan sharks. Debt is very hard to pay off, and so quick to add up.
@@bettymiller1308 Thank you for explaining that!!!
Credit card rates are crazy right now! Most of mine are 28-33%. I just don’t get it how they are so high; paying back the balance plus all those fees is insane so I’m afraid to carry a balance, but know I have them if I really need them.
$25000 in credit card debt!!!! Holy crap. God help you!
lol. I’ve paid off this amount 2 times before in the past 4 years. 😂 Life happens. We can do it. It’s all about mindset ☺️
I ordered your planner & can't wait to use it next year. I love your informative videos.