If it was me I would focus on the 1st citi card then work on paying myself back. With your 52 week challenge I would use that to pay yourself back into your savings! :)
Since you asked, I would continue to payoff the next debt. You could pay yourself minimally until you're ready to make large debt repayments to yourself. Good luck
We had a lot of debt. We put our finances in order of who charged the most interest down to the lowest interest. Pay the biggest interest card first. Then pay yourself back. It's really important to get rid of card spending so you can focus your savings debt free. I've watched pretty much all your videos... Your on a great track. I learned a lot from you about saving n tweaking my saving but always put what I'd saved at the end of the year on the high interest cards..... We were debt free in 4 years... Now everything is paid for in cash. If we don't have the cash we don't buy it no matter what. The emergency fund covers our white goods for breakdowns. You've got this
I'm glad you were able to pay off the citi #2 card before any potential interest hit. I'd definitely work on the citi #1 card as the top priority while also keeping the minimum payment on citi #2 to pay yourself back. But since the citi #1 card is charging interest, definitely make that the top priority
I think it was a smart move to pay the card before the interest hit. I would focus on the next card with interest but continue to make minimum payments to myself to replenish the savings.
Good decision to payoff that 0% that was going to add interest. I think paying off the other Citi card first then paying yourself back is smart. Great video!❤❤❤
I would pay the other card back first then pay myself back. Super smart to pay it instead of letting interest hit. Interest is killer. Great video friend 💚 I love the chattyness💚
Yay welcome to transfer tuesday! The accountability is awesome! I also am paid biweekly and use and rollover that I might think i can pull or side hustle stuff on the off weeks. Like you said, it ALL adds yp. Definitely pay the one with interest first!
That was a great call on pulling from savings to pay the credit card and pay yourself back!!! Thankfully you had the savings!!! Way to go! I think paying the interest card first is better than paying yourself back first. Because you are once again saving a good amount in interest at 19%. Maybe you could reassign some of your monthly saving reallocation to paying yourself back so at least it FEELS like you are starting to pay yourself back. It isn't the full amount but sort of treat it like a sinking fund with the randomizer......it won't be a lot but it is something and you won't lose focus of it either. Just a thought. 🤔💜
Well done on all the great work you did this week. I like the chattiness. I would pay off the next citi before paying yourself back. Well done on paying one debt off
I would flop and pay the one with the interest and THEN pay yourself back because you wouldn't be able to easily invest that money you had in savings and get over 19% on that money but you could probably get more on that savings money than the next debt if that makes sense. Keep posting please! Love your videos!
I’m SO excited that you are doing this! The trackers will be so nice to follow along with your progress…especially the Harry Potter one 😂 Good call on using your savings to avoid that interest hit. That would have been awful 😮
Hi friend! Happy Anniversary! Work on the debt with interest then pay yourself back. If you can squeak a little in to pay yourself back that would be a bonus! Have a great Tuesday!
Hi Steff, that’s awesome being able to payoff a debt 😊, I think you should swap debt 1 and 2 unless you need to replenish your savings ASAP. 😍 the new sheets have a blessed day 🙏🏻💖💖
I would snowball the 150 from the Citi2 into the Citi 1 and once that one has been paid off, pay myself back. In the meantime if you have the odd amount extra occasionally you can pay it to yourself.
Hi Stef! I think I say this all of the time, but I love your transparency and your descriptions. Your videos are so helpful, and they always give me great ideas. Loved it! 💕
great job Stef! ive never seen an instance where a normal charge card back dated interest, if that was the case id be in a lot more debt lol usually only store cards do that. it looks like u have a good amount saved were something to happen so i would work on the next card charging interest and then pay urself back.
I would absolutely pay back the citi card 1st. The longer it sits at a balance, the more you end up paying in interest so I think of it kind of like having a deadline. I don't want to pay them more than I have to so getting that debt out of the way, then paying yourself back would be my personal choice. You definitely need to pay yourself back, but that's not on a "deadline" so it can take a back seat for the moment 😅🤷🏼♀️
Great work. Love the trackers. Im watching your video and watching harry potter at the same time. Today is the day i decided to quit smoking. Its going ok so far. We will see how it goes.
Hey bestie! I love the trackers ❤❤ I fiddled around with making some too! Love seeing all the numbers right there in front of you (and we know I love me some numbers!) Great call on getting that card paid off. Sometimes you gotta PIVOT! 😂😂
I would make sure none of the savings I used are ones I need immediately (like if you have car tags coming up or something else that's absolutely necessary). If so put enough back into savings to cover that, then put the rest on the card. If you don't need any of it right away I would put it all to the credit card.
I guess personally it would depend… if you don’t pay it back first, do you have enough just in case? How long will it take to pay back/pay off #1? I think either choice works in the long run but it depends on all the elements. I am currently in a season of savings so my one debt payment is just getting the minimum. Once I get to a certain spot I will be switching from savings to debt payment. 🤷🏻♀️ either way, good job for making sure you got that one paid off.
I am doing the Taco Tuesday challenge, and instead of pulling cash, I am just transferring the money over to HYS every Tuesday. I guess I will call it my Taco Transfer Tuesday. We will see how it goes.
Your decision to pull savings to avoid a potential penalty was absolutely the right one! Congrats!
If it was me I would focus on the 1st citi card then work on paying myself back. With your 52 week challenge I would use that to pay yourself back into your savings! :)
Love your videos. I would pay the interest card 1st, then pay myself back.
I would definitely pay off the Citi card with the interest first, then pay myself back.
Since you asked, I would continue to payoff the next debt. You could pay yourself minimally until you're ready to make large debt repayments to yourself. Good luck
We had a lot of debt. We put our finances in order of who charged the most interest down to the lowest interest. Pay the biggest interest card first. Then pay yourself back. It's really important to get rid of card spending so you can focus your savings debt free. I've watched pretty much all your videos... Your on a great track. I learned a lot from you about saving n tweaking my saving but always put what I'd saved at the end of the year on the high interest cards..... We were debt free in 4 years... Now everything is paid for in cash. If we don't have the cash we don't buy it no matter what. The emergency fund covers our white goods for breakdowns. You've got this
I think you are making the right choices. Citi first then pay yourself back. Great job!
I'm glad you were able to pay off the citi #2 card before any potential interest hit. I'd definitely work on the citi #1 card as the top priority while also keeping the minimum payment on citi #2 to pay yourself back. But since the citi #1 card is charging interest, definitely make that the top priority
I think it was a smart move to pay the card before the interest hit. I would focus on the next card with interest but continue to make minimum payments to myself to replenish the savings.
Good decision to payoff that 0% that was going to add interest. I think paying off the other Citi card first then paying yourself back is smart. Great video!❤❤❤
I would pay the other card back first then pay myself back. Super smart to pay it instead of letting interest hit. Interest is killer. Great video friend 💚 I love the chattyness💚
Yay welcome to transfer tuesday! The accountability is awesome! I also am paid biweekly and use and rollover that I might think i can pull or side hustle stuff on the off weeks. Like you said, it ALL adds yp. Definitely pay the one with interest first!
I think you’re making a smart decision to shift gears on your credit card priority. Love Katie’s transfer Tuesday
Thank you Areli! I think so too 🥰🥰🥰
That was a great call on pulling from savings to pay the credit card and pay yourself back!!! Thankfully you had the savings!!! Way to go! I think paying the interest card first is better than paying yourself back first. Because you are once again saving a good amount in interest at 19%. Maybe you could reassign some of your monthly saving reallocation to paying yourself back so at least it FEELS like you are starting to pay yourself back. It isn't the full amount but sort of treat it like a sinking fund with the randomizer......it won't be a lot but it is something and you won't lose focus of it either. Just a thought. 🤔💜
Thank you for the kind words, Stef! I really appreciate you 🥹❤
You and your channel are super inspiring my friend! Keep it up 🩷🩷🩷
I love to listen to your plans 😊I learn new things to try thank you friend 🥰💚
Well done on all the great work you did this week. I like the chattiness. I would pay off the next citi before paying yourself back. Well done on paying one debt off
Love the new trackers ❤
I would flop and pay the one with the interest and THEN pay yourself back because you wouldn't be able to easily invest that money you had in savings and get over 19% on that money but you could probably get more on that savings money than the next debt if that makes sense. Keep posting please! Love your videos!
I’m SO excited that you are doing this!
The trackers will be so nice to follow along with your progress…especially the Harry Potter one 😂
Good call on using your savings to avoid that interest hit. That would have been awful 😮
Hi friend! Happy Anniversary! Work on the debt with interest then pay yourself back. If you can squeak a little in to pay yourself back that would be a bonus! Have a great Tuesday!
Hi Steff, that’s awesome being able to payoff a debt 😊, I think you should swap debt 1 and 2 unless you need to replenish your savings ASAP. 😍 the new sheets have a blessed day 🙏🏻💖💖
I would snowball the 150 from the Citi2 into the Citi 1 and once that one has been paid off, pay myself back. In the meantime if you have the odd amount extra occasionally you can pay it to yourself.
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Great video Stef!!!
Hi Stef! I think I say this all of the time, but I love your transparency and your descriptions. Your videos are so helpful, and they always give me great ideas. Loved it! 💕
Work on the debt gaining interest first and pay yourself back later❤. When your debt is paid off it is pretty amazing how fast your savings can grow❤
great job Stef! ive never seen an instance where a normal charge card back dated interest, if that was the case id be in a lot more debt lol usually only store cards do that. it looks like u have a good amount saved were something to happen so i would work on the next card charging interest and then pay urself back.
I love this video! You explain things so well and I am so grateful. ❤
I'm so glad! Thank you so much 🩷🩷🩷
I like the pay the cc first, then pay me second! ❤
I would absolutely pay back the citi card 1st. The longer it sits at a balance, the more you end up paying in interest so I think of it kind of like having a deadline. I don't want to pay them more than I have to so getting that debt out of the way, then paying yourself back would be my personal choice. You definitely need to pay yourself back, but that's not on a "deadline" so it can take a back seat for the moment 😅🤷🏼♀️
That was a smart decision!
Great work. Love the trackers. Im watching your video and watching harry potter at the same time. Today is the day i decided to quit smoking. Its going ok so far. We will see how it goes.
Good luck! You can do it!
Definitely pay your card off first and then pay yourself back!
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If it was me, I'd put it into the list based on the interest rate I'm missing out on if it were in my savings. ❤
Great decision to pull from savings. I would pay your other citi visa off first then start paying yourself off.
Hi Stef yes I would've pulled to pay that debt also great transfer Tuesday 😊❤
Thanks Mindy! 🥰🥰🥰
Hey bestie! I love the trackers ❤❤ I fiddled around with making some too! Love seeing all the numbers right there in front of you (and we know I love me some numbers!)
Great call on getting that card paid off. Sometimes you gotta PIVOT! 😂😂
You are the queen of numbers and tracking ALL the things! Can’t wait to see what you came up with 🩷🩷🩷
Hey Stef, great to be here watching. I would have done the same thing. Nice job.
Love your debt repayment binder 😊❤
Thanks so much! 🩷🩷🩷
Great video, I love how you explain things.
Thank you! I appreciate that! 🥰🥰🥰
I would make sure none of the savings I used are ones I need immediately (like if you have car tags coming up or something else that's absolutely necessary). If so put enough back into savings to cover that, then put the rest on the card. If you don't need any of it right away I would put it all to the credit card.
Thank you! 🩷
I guess personally it would depend… if you don’t pay it back first, do you have enough just in case? How long will it take to pay back/pay off #1? I think either choice works in the long run but it depends on all the elements. I am currently in a season of savings so my one debt payment is just getting the minimum. Once I get to a certain spot I will be switching from savings to debt payment. 🤷🏻♀️ either way, good job for making sure you got that one paid off.
Hi Stef! Great job today. I’m with you and would pay off the card with interest then pay yourself back. I hate paying interest!
Thanks Ellie! It makes the most sense I think 🩷🩷🩷
love your new sheets - would or could you ever offer theme to us. love your videos
I'd switch focus on citi 1!
You can be chatty, I love all your videos ❤❤❤❤❤❤
Great job, Stef!! Love these & if it helps to deposit into EF & snowball.. i love it.. i might also jump on the transfer tuesday bandwagon :)
Great video
Watching while working 😊
I would work on the 1st then pay myself back!
Love this!
Get rid of the interest first and them pay yourself back!
I am doing the Taco Tuesday challenge, and instead of pulling cash, I am just transferring the money over to HYS every Tuesday. I guess I will call it my Taco Transfer Tuesday. We will see how it goes.
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If the money that was in your sinking funds is due soon, then payback yourself soon, if not then move it down the list. That's my opinion. Good luck!
I would slowly pay yourself back over time (like 6-8 months time)
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Hi Steph big hugs from Coco
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I would pay the next citi before I worked on paying myself back so ur not paying that interest
Pay off debt before you pay yourself back.