4Pay debt - Over 1,200 dollars just in July
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- เผยแพร่เมื่อ 4 ส.ค. 2024
- Thank you so much for stopping by. Today I am talking about how my family and I went from ZERO dollars in 4 pays to over 1,200 dollars for the month of July. Our impulsive spending habits got the best of us!
I am budgeting for a household of 3 plus our fur baby. We are re-starting our journey to become debt free by using a Dave Ramsey inspired system which I like to call a hybrid cash stuffing budget by paycheck system.
I hope that you enjoy my video and Thank you so much for the support.
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#zerobasedbudgeting #budgeting #cashstuffing #adhd #paycheckbudget #budgetjourney #debtfreejourney
New to your channel. Subscribed today. I've been debt free for a little over a year now. Prior to me forming an actual budget and sticking to it, I used 4 pay services a bit. I used it EXCLUSIVELY for Christmas in 2020 and had to exchange something right before Christmas for someone and because I didn't have any money to outright buy it, I ended up returning it because I couldn't create a new 4 pay. It was horrible.
I have been budgeting CONSISTENTLY for almost 3 years now. It's been a game changer. Zero based for the win! Sinking funds, savings accounts , investing for the future. Those are so much more appealing to me now. Do I still overspend from time to time. YES. But I never do so beyond what I have available to spend.
I look forward to following your journey.
Thank you so much for your support. Our 4pays started off small and for items we needed and it grew from there.
I was in a similar situation! Now I do not use the 4 pay apps at all. You can do it! ❤
Yes! Thank you!
Wow
Yes, that is what I said too. Thank you for watching
Oh wow! Looking at the cost of each individual 4 pay, these are all things you have the money to pay. They aren't very expensive. I think you can get past this.💜$
So true! It just all adds up and I start criticizing myself and my spending habits. Thank you for your support!
Is 4 pay like affirm and klarna. That is my problem right now.
Yes, affirm, klarna, pay pal, and afterpay are the main ones we use. It can get out of control so quickly. With discipline and some tough selflove we can make it out of the mess we made. I hope that you are able to dig out of yours soon.
So does four pay mean that it will be paid off in four months? If so, that is your goal to shoot for
for our family (and potentially anyone who uses this method of payment) means that your payments are every 2 weeks over a 6 week period.