Actually they can copy Vivian's icon easily. You just gotta remember not to text any Whatsapp number, even if it is Vivian! She wouldn't ask you to do that, of course 😊
It’s really great to see some advice that isn’t judgmental and acknowledges that we haven’t all been dealt the same cards in life and that being in debt more often than not is circumstantial rather than poor money management, although a lack of financial literacy definitely also isn’t helping. Your videos are really great as they encourage people that no matter their situation, there are steps they can take to improve. Keep up the good work ❤
I agree to a point. If you're already missing payments then stop paying them for a period of time and spend all your money paying off the smallest to largest as stated in the video. Most creditors won't charge off your debt for 6 months.
THANK YOU!!!! Only my BIPOC FRIENDS GET THIS SOO YOU STATING IT IM JUST LIKE FINALLY! Finally someone that acknowledges the fact that not all of us come from $$ and it’s not that simple. That pay check to pay life is real especially when working for nonprofits and working in community and also supporting parents!
Bestie I know your busy right with your tour and all but I do miss your longer videos on TH-cam just saying. Halfway through your book. Keep on rocking!
Such GREAT Information!! 🌟…. And thank you so much for mentioning the REALITY of Socioeconomic Conditions…. VERY REAL You are Awesome!! Keep up the Great Content !!
I’m still catching up on your video history, so I may be asking for something already touched on. Any chance you could give some tips for people who have made mistakes and already have low credit scores, or even for people with bankruptcies?
I would love to know your favorite way of pay down a mortgage quickly.....there are a lot of ideas out there. Other than just paying extra to principal each month
Hi Rich BFF, Would it be possible to discuss credit reports and how to remove debt or dings on your credit report? Scenario: I left Verizon at the end a payment cycle to ensure when I went to Sprint I did not have a bill. Now on my credit report years later there is an outstanding balance for Verizon less than $100 but I don't know how to dispute or get it removed as it has literally been years since I have had their service. Can you please give some advice on how to handle this? And how can you quickly raise your credit score? Thank you in advance.
Write all three credit bureaus to get a copy of your reports If there is negative credit find out how old each one is By LAW the credit bureaus are only allowed to keep somthing on your report for 7 years If it's gone past that tell them to take it off and they will, they will only do it if you tell them to If it's not been 7 years tell them you want to dispute it, the company who's reporting bad credit will have to prove ypu owe it and why, if they cant or don't it will get taken off or you can tell them to take it off
Hey Vivian, my rich BFF. What would your advice be if someone has 0% interest debt for a short term. I keep getting offers for 30 month 0% balance or money transfer offers. I have a secure job even in a downturn, but never going to get rich from it. Would you take on the 0% debt to invest in something safe like government bonds / some other asset while inflation eats away at the balance? Seems like I could borrow cheap and invest in something then pay it off at the end.
Hi Vivian thanks for the advice. I am paying debts this way now. Should I use all my savings to help my wife pay off or keep some for emergencies. FYI I am removing her from second card user to avoid more expending.
Great info Vivian! Any chance you can make a video about Roth IRAs? I have a tiny Vanguard account but I'm not sure how to allocate my index funds. I'd love to hear your opinion.
Hi Vivian! For strategy #4, you mentioned that the credit card companies require that the accounts must be closed if they are in a debt management plan. Wouldn’t that hurt the credit score - specifically impacting the length of credit history? I tried applying for personal loans but my numbers are really bad and keep getting rejected 😢
Use the snowball method as best you can. Beware of predatory lending. There are personal loans out there at outrageous rates. Read before signing anything!
👋👋Your channel has truly changed my life. I've been studying and researching about crypto for a while now and i got stuck at some point on the learning curve💯. now i can say I'm truly improving my understanding of this whole new world and making great profit weekly, all thanks to you
Consistently investing🔀🔀🔀 with proper guidance in quality dividend paying companies is a relatively easy strategy to create wealth. Well I copy trades from daily signals of Mrs. Anna Ryan as RECOMMENDED📍📍
Where would you suggest looking if you want to switch credit cards? I asked my credit card company if they would lower my interest rate I said you know I always pay ahead of the due date and I pay at least three times the amount that's required. Basically I added but I put on the credit card that week and I pay that amount on Friday morning. They said I couldn't get my interest rate lowered or my credit limit raised.
I owe on a store specific credit card, and I think I owe my [former] bank (account not closed, but not currently, actively used). Is there a way to find out my balances without alerting the collections people? I haven't made payments in a few years, but now I have a job, and would like to do whatever I can to increase/re-establish my credit [score]. -- Thanks, Viv. You really are my rich BFF.
There's another method that I've heard about one time. I cannot remember its name. You pay off the debts in the order that makes you feel the best psychologically. Does anyone happen to know the name of this method? (I'm an avalanche method guy myself, but I like to know as much as I can.
Wow, thank you for sharing this great information and knowledge, you were able to articulate it and explain it very well for us to better understand it all. i would love to take this time and openly extend an invitation to have you as a special guest and also an expert on the topic I am sure that our Podcast subscribers' followers would love it. Looking for hearing back from you,
Vivian can you please explain how to gain a positive credit score? I can't get mine above 700 and it goes down every time I pay something off. It makes no sense and being punished for doing the right thing!!
are you closing out the accounts when you pay down the balances on your lines of credit? This usually happens with lines of credit like auto and personal loans, or student debt since once that LoC has fully been paid off the LoC closes. Paying down credit cards or revolving lines of credit shouldn’t have this problem since they stay open once the balance is paid down.
Rich BFF!! Hey girl hey! If I had 10k in cc debt 20% apr and I also only have 10k in savings how much should I spend in paying off debt? How much should I use for investing? 🙏🏽
Make sure you have 3 to 6 months of safety net, they pay off that debt! It is unlikely that you'll find anything paying you over 20%, so the debt will eat up more than you earned off an investment.
Hey!! I feel so overwhelmed with these interest rates! Doing the debt snowball just hasn’t worked for me I’ve tried so many times and wanted it to work. I’m an Aries too 😂 so not patient!!! Loved this advice ❤❤❤ also - I’ve been wanting to do debt consolidation but I’ve been scared to pull the trigger, I’m glad you talked about this! I feel like it’s something you shouldn’t do, but I think it’s worth it. It’s so overwhelming ya know
@@karsynensley3009 After I got up to $300k trading with Mrs April Nicolle Jacob i bought a new House and I'm now able to send my kids to a better school in the states thanks to her. When someone is straight forward with what he or she is doing people will always speak up for them.
So delighted seeing my broker being talked about on TH-cam, This was exactly how i got recommendation about Mrs April Nicolle Jacob, At first i was a bit skeptical but eventually i gave her a trail with my little investment i got huge profit this woman has really change the life of many people from different countries and l'm a testimony of her trading strategy.
I was a big fan of these videos until you said women or people of color may not have been paid as much. Like that's a deciding factor. As someone more financially literate than me I can't believe I heard that.
I've been transferring balances to credit cards with 0% APR for several years. I will be credit card debt free in 2023!!
FYI!!! If Vivians icon doesn't appear next to the reply, then it's a scammer!!! Do not text any whatsapp number!!
Actually they can copy Vivian's icon easily. You just gotta remember not to text any Whatsapp number, even if it is Vivian! She wouldn't ask you to do that, of course 😊
Or Google chat
It’s really great to see some advice that isn’t judgmental and acknowledges that we haven’t all been dealt the same cards in life and that being in debt more often than not is circumstantial rather than poor money management, although a lack of financial literacy definitely also isn’t helping. Your videos are really great as they encourage people that no matter their situation, there are steps they can take to improve. Keep up the good work ❤
I agree to a point. If you're already missing payments then stop paying them for a period of time and spend all your money paying off the smallest to largest as stated in the video. Most creditors won't charge off your debt for 6 months.
THANK YOU!!!! Only my BIPOC FRIENDS GET THIS SOO YOU STATING IT IM JUST LIKE FINALLY! Finally someone that acknowledges the fact that not all of us come from $$ and it’s not that simple. That pay check to pay life is real especially when working for nonprofits and working in community and also supporting parents!
Bestie I know your busy right with your tour and all but I do miss your longer videos on TH-cam just saying. Halfway through your book. Keep on rocking!
Thank you for the debt repayment tips, Vivian! I can't wait to pay off all of my debt ❤️
Thank you so much for this. I'm currently in college and I've been doing my best to fix up my finances. Thank you so much ❤️
This was AWESOME advice Vivian 🙌🏾
"I'm an Aries, let it go" I'm lowkey screaming.
Great tips. Avalanche method sounds great for me
My husband said “did you learn this from your bff” haha
Such GREAT Information!! 🌟…. And thank you so much for mentioning the REALITY of Socioeconomic Conditions…. VERY REAL
You are Awesome!! Keep up the Great Content !!
Your videos are so detailed and very easy to understand. Thank you for breaking everything down so well!
I’m still catching up on your video history, so I may be asking for something already touched on. Any chance you could give some tips for people who have made mistakes and already have low credit scores, or even for people with bankruptcies?
I would love to know your favorite way of pay down a mortgage quickly.....there are a lot of ideas out there. Other than just paying extra to principal each month
Thank you Vivian for helping me get my life together.
OMG! You’ve been a God Sent Sis!!!! ❤ THANK YOU!
Wow I love your picture frames.
Hi Rich BFF, Would it be possible to discuss credit reports and how to remove debt or dings on your credit report? Scenario: I left Verizon at the end a payment cycle to ensure when I went to Sprint I did not have a bill. Now on my credit report years later there is an outstanding balance for Verizon less than $100 but I don't know how to dispute or get it removed as it has literally been years since I have had their service. Can you please give some advice on how to handle this? And how can you quickly raise your credit score? Thank you in advance.
Write all three credit bureaus to get a copy of your reports
If there is negative credit find out how old each one is
By LAW the credit bureaus are only allowed to keep somthing on your report for 7 years
If it's gone past that tell them to take it off and they will, they will only do it if you tell them to
If it's not been 7 years tell them you want to dispute it, the company who's reporting bad credit will have to prove ypu owe it and why, if they cant or don't it will get taken off or you can tell them to take it off
Great Video! Thanks Vivian! God Bless You!
Definitely using strategy 2
Fellow Aries. You just nailed one of my biggest issues. 😂 My impatience with getting rid of debt. Haha! Thank you for these strategies!
Such a sensible content and much valid . ❤
Do you recommend an app that can do all this sensibly for us ?
❤Will try second step method. Thank you. VG
Excellent Info..... Thanks BFF
Hey Vivian, my rich BFF. What would your advice be if someone has 0% interest debt for a short term. I keep getting offers for 30 month 0% balance or money transfer offers. I have a secure job even in a downturn, but never going to get rich from it. Would you take on the 0% debt to invest in something safe like government bonds / some other asset while inflation eats away at the balance? Seems like I could borrow cheap and invest in something then pay it off at the end.
I love that u have Mr Krabs on ur wall👍😄😄
great content 👍👍
I need to watch this again! I need to get my credit score up
I’m going to try the avalanche
Can you do a video on how to get out of collections please
you are a light.
Hi Vivian thanks for the advice. I am paying debts this way now. Should I use all my savings to help my wife pay off or keep some for emergencies. FYI I am removing her from second card user to avoid more expending.
What are your thoughts on a HELOC to pay debt?
Great info Vivian! Any chance you can make a video about Roth IRAs? I have a tiny Vanguard account but I'm not sure how to allocate my index funds. I'd love to hear your opinion.
Wow! We all don't start off equal Wealth.. 👏 👏.... Good Fact
Hi Vivian! For strategy #4, you mentioned that the credit card companies require that the accounts must be closed if they are in a debt management plan. Wouldn’t that hurt the credit score - specifically impacting the length of credit history? I tried applying for personal loans but my numbers are really bad and keep getting rejected 😢
Use the snowball method as best you can. Beware of predatory lending. There are personal loans out there at outrageous rates. Read before signing anything!
Love your videos
What to do if you don't have much debt but can't get a credit card due to past bad credit that just seems to stay? I honestly don't understand it
So, the current rate is not at 6.89%. Any additional tips?
VERY INFORMATIVE AND GREAT ADVICE 👍
First
thank you bestie
👋👋Your channel has truly changed my life. I've been studying and researching about crypto for a while now and i got stuck at some point on the learning curve💯. now i can say I'm truly improving my understanding of this whole new world and making great profit weekly, all thanks to you
You're creating 💕💕a great reputation for this channel and everyone, I will love to achieve this great goal you're enjoying now.🙏🙏
📍📍This is impressive, I lost almost $80k on trading!!! Please any help with best advises on how to make money on cryptos? I'm open for ideas💖💖..
Consistently investing🔀🔀🔀 with proper guidance in quality dividend paying companies is a relatively easy strategy to create wealth. Well I copy trades from daily signals of Mrs. Anna Ryan as RECOMMENDED📍📍
🙏🙏🙏
Love your videos! What are your thoughts on crowdfunding real estate?
Will you be starting a spotify podcast soon?
Where would you suggest looking if you want to switch credit cards? I asked my credit card company if they would lower my interest rate I said you know I always pay ahead of the due date and I pay at least three times the amount that's required. Basically I added but I put on the credit card that week and I pay that amount on Friday morning. They said I couldn't get my interest rate lowered or my credit limit raised.
Can you talk about post ch13 recovery? Or if you have can someone send the link.
Amazing... more videos please 🙂
I owe on a store specific credit card, and I think I owe my [former] bank (account not closed, but not currently, actively used). Is there a way to find out my balances without alerting the collections people? I haven't made payments in a few years, but now I have a job, and would like to do whatever I can to increase/re-establish my credit [score]. -- Thanks, Viv. You really are my rich BFF.
There's another method that I've heard about one time. I cannot remember its name. You pay off the debts in the order that makes you feel the best psychologically. Does anyone happen to know the name of this method? (I'm an avalanche method guy myself, but I like to know as much as I can.
Wow, thank you for sharing this great information and knowledge, you were able to articulate it and explain it very well for us to better understand it all. i would love to take this time and openly extend an invitation to have you as a special guest and also an expert on the topic I am sure that our Podcast subscribers' followers would love it. Looking for hearing back from you,
Should you take out some retirement funds to get rid of some outstanding debt? I am 67, FYI.
Vivian can you please explain how to gain a positive credit score? I can't get mine above 700 and it goes down every time I pay something off. It makes no sense and being punished for doing the right thing!!
are you closing out the accounts when you pay down the balances on your lines of credit? This usually happens with lines of credit like auto and personal loans, or student debt since once that LoC has fully been paid off the LoC closes. Paying down credit cards or revolving lines of credit shouldn’t have this problem since they stay open once the balance is paid down.
Hi Vivian , Where can we find a list a deb management credited agencies ?
Rich BFF!! Hey girl hey! If I had 10k in cc debt 20% apr and I also only have 10k in savings how much should I spend in paying off debt? How much should I use for investing? 🙏🏽
Make sure you have 3 to 6 months of safety net, they pay off that debt! It is unlikely that you'll find anything paying you over 20%, so the debt will eat up more than you earned off an investment.
Um… what is paper?
I really like Mr crab painting at the back
I like your “no shame “ video about debt and yes I will marry you!! Just kidding 😅
Thanks, you are the BEST!
Hey!! I feel so overwhelmed with these interest rates! Doing the debt snowball just hasn’t worked for me I’ve tried so many times and wanted it to work. I’m an Aries too 😂 so not patient!!! Loved this advice ❤❤❤ also - I’ve been wanting to do debt consolidation but I’ve been scared to pull the trigger, I’m glad you talked about this! I feel like it’s something you shouldn’t do, but I think it’s worth it. It’s so overwhelming ya know
@Your Rich BFF hello my BFF!! Thank you so much for such detailed videos.
Yo
0
Aries like a god of war??
❤ V u is soo fine
Benjamin Franklin once said: "Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety."
has anyone ever been on whatsapp that is not a scammer ?
*Despite the financial instability all over the world, I’m so excited I’ve been earning $45,000 from my $10,000 investment every 10days...*
@@karsynensley3009 After I got up to $300k trading with Mrs April Nicolle Jacob i bought a new House and I'm now able to send my kids to a better school in the states thanks to her. When someone is straight forward with what he or she is doing people will always speak up for them.
Oh please, how can someone get to speak with Mrs April Nicolle Jacob!!?
@@adaleebaker5931 You can message her here 👇👇
She's awesome, perfect and a genius. I've made up to $162,050 trading with her.
So delighted seeing my broker being talked about on TH-cam, This was exactly how i got recommendation about Mrs April Nicolle Jacob, At first i was a bit skeptical but eventually i gave her a trail with my little investment i got huge profit this woman has really change the life of many people from different countries and l'm a testimony of her trading strategy.
Welcome to the debt flogging post oh wait
Ohh men debt is breakfast, lunch and dinner these days.
I was a big fan of these videos until you said women or people of color may not have been paid as much. Like that's a deciding factor. As someone more financially literate than me I can't believe I heard that.
uzbagx I love you so much and watching your videos makes my day brighter❤