Відео

I also round up my numbers. That way you’re never short and you can transfer the change to savings if you want to

Thanks for coming back doing personal finance videos. Very palatable, just so easy to understand. You make it simple and fun. ❤

40k? Huge red flag

she got chunky

Wow, I'm just now watching this and i am so sorry you went through all of this! However, i really appreciate your honesty and transparency. Texas is the land of shoddy work, poor craftsmanship, etc because of the lack of regulation around anything important. I wish more people realized this before making the move to TX. Yes, cost of living is probably cheaper (although not by much these days), but it's a big trade off. And this is coming from a born and raised Texan, if we could move, we would so that should tell you something. Hope you are doing better back in L.A. I need to catch up on your videos

Watching you do the math and seeing the debt decrease felt like a win for me every time. This gave me so much hope 🙏

Great video Aja! Yeah the interest rate can vary within ONE credit card depending on how you used it. A cash advance interest % on your credit card vs balance transfer interest % on that same card. Sigh. It varies. I just paid off my second to last card. Now attacking my last credit card 😕 Yeah, I understand about not discussing the points/rewards systems first because that's how some of us got into credit cards in the first place. Good luck to everyone out there. YOU GOT THIS!

sadly for me i went into manic psychosis and racked up..... a bad amount on my credit card and i'm currently struggling to pay it off.. with suffering from job loss ): but i love watching your videos gives me hope

Hey Aja Dang , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?

love the breakdowns of real budgets

I love this timeless series and learned a lot

Honestly she never should have " matched" with him. He rejected her initially. Its clear he doesn't actually like her and he drove that point home further by not using any energy to see her. I really hope she focuses her efforts on men who truly value her qualities and are not afraid to show their desire. Also Finance Sir the math comes out to 10/1...not 10/10( which would equal 1)...

If you can currently afford it why not just pay cash and be done with it?

"Too many of us are not living our dreams because we are living our fears." -Les Brown

Paid off 20k of consumer debt earlier this year and it took a lot of work (over a year) and watching these videos even after being consumer debt free keeps me in check. I’ll never have the mindset to spend on things I cannot pay for ever again!! Love your vids, Aja!

She is pretty

Once you go to collections, do you save up for the $1k emergency fund first and then go back and start paying off the collections?

Are we talking about the gift registries that are handled by department stores for weddings?

A little over 20 years ago I looked at the many credit cards I had and amount of the balances. I felt sick to my stomach as I had been pretty much paying the minimums. Fortunately I had some stocks I could sell and paid off the cards. Except for car loans I pay my balances every month. A few years ago I got an  Card and the cash back goes into their savings account. Keep up the great work!

Ok, watching you plan it out and work through the debt, really made using the snowball method clearer. I have not been doing it correctly, hence why I am not seeing much progress. It was like a light bulb went off and it suddenly makes more sense! I have reassessed and created a plan just like the ones demonstrated. I feel like it's going to work, thanks Aja!!!

Sometimes credit cards are more secure than debit cards. It should be paid off asap that’s the key!

"Don't raise your voice, improve your argument." -Motivation

Idea: A video on STUDENT LOAN DEBT would be super great! Could have a guest who is currently suffering from student loan debt or use numbers from someone as an example.

Love this video! I think in example 3, one thing you haven’t accounted for is that they’ve been making the minimum payment on all their other debts. So, in month 9 the Discover balance is probably actually less than 5895 because they’ve been making 9 months of minimum payments already. So, the total time to pay may actually be less!

that sus

I’ve been in a non-stop loop of debt. My rent and the earning of minimum wage is ruining my liv’lihood. Entry-level establishments and their employee/work policies are bias towards an outlier outlook on a successful future.😊

What’s your opinion on velocity banking?

What helped me was to apply for another credit card with another cc company, then i transferred my credit card debt over to my new credit card giving me 18 months to pay off my debt interest free.

Love having these back! As a high debt to income ratio person it keeps me motivated to keep creeping towards that student debt free life! Thanks Aja!

I've been doing the snowball method wrong this whole time. Thanks for clarifying!!! 😮

We have been debt free for several years now. It feels so great! My husband and I love when you paid off your student loans!

I think the first thing anyone in cc debt should do is switch to a lower interest card, they can save hundreds just doing that and then pay off what is on it.

Every time I've paid off my credit cards, it lowers my credit score. If I don't maintain a balance on my card, it lowers my credit score. I was keeping a balance on one of my cards of like 1K and paying slightly over the minimum in autopay. I assume that the credit card companies are like drug dealers, and they are in cahoots with the credit agencies.

My problem is I pay my cards down then I take a vacation because why work so hard and don’t take a vacation every year. It’s more to life than working and paying bills

Leave these types of videos! Gonna send it to my niece. You make it easy to relate to and simple.

Balance transfer options to assist with interest payments???? In my experience if you explain to your CC Companies what you are trying to do, they will work with you as part of your success team....

I paid off $4500 in a year. You just basically live like a hermit and move somehwre. Heaper

I think the thing that kills so many people is rent. Some people pay $800 / month vs someone like me in nyc and i pay almost 3 times. Urgh Living alone is rough haha

Well the problem is that I’m like 13k in debt and I only make $40k a year. I haven’t spent on the cards in months bc I cut myself off. I’ve never been late on my payments but I can barely afford them. I’ve done balance transfers on all my cards so I’m actually not paying an interest. After the promotional period of no interest ends I just do another balance transfer so I still continue to not have interest. I’m doing the snowball method and I have paid off a couple cards but it’s slow going since I make such little money. I’m also torn on whether or not to save an emergency fund or pay my credit cards. I can’t really do both at the same time. I only have $1200 emergency fund but I know that’s not enough.

curious to know where your glasses are from ?

Hi AJA! Thank you for doing this series - I wish there would have been something like this when I first started my credit card / financial journey in my early teens. My question is: I typically use my debit card to pay for everything, while keeping a low balance on my CC's (less than $5k) - should I be using my CC more then my debit card, and then using my debit card to pay off my CC balance each month? I feel like I'm not taking advantage of points on most of my CC's.

Lol.

Whoa almost goat my goat like that

Not to take any? (debt) 😂

You're advice is terrible. You should be aiming to pay off the card every months to keep utilization as close to 0 as possible.

Fake doing my makeup so I can look like I’m doing something while I film a half baked idea- start a registry

I really appreciate this series. I'm in my late 20s and have been steered in the opposite direction of credit cards due to a lack of familial financial literacy, but your delivery is pretty straightforward and I'm looking forward to building a better understanding. When you said that only certain info is passed on to the big three (student loan &mortgage payments) does that mean that smaller bills like cell phone or spotify should be debited instead?

From the payment due date to the closing date, is it best not to use the card until after the closing date?

What’s missing that is really important in building wealth is investing in the stock market.

Lovely