I love ask Sebby!

This year I have experienced more gains than losses in the crypto market, thanks to some knowledge i acquired from my financial advisor. i have managed to flip the market

The variety of textures in the *luxdups* pack is impressive. From smooth leather to textured suede, there's something for everyone.

Dream collab right here!

thank you so much! I'm 20 and have been watching your videos for a while now. I just applied and got my first credit card. They are so scary so I appreciate you sharing this information <3

I really like these credit related videos you have been doing. Keep doing them!!!!!!

this is a great video and the explanation is easy to follow 👍 and i think, the example with 5 CC will finish off much earlier in reality because since they continue paying the minimum amount so the amounts written at the start of computation also became less each month. thank you for this.

Who do you guys have airline status with??

Watching this with $10k in card debt. Thank you, Aja. I feel like I’m drowning 🥹

Very informative ❤

Omg this is so helpful!!! I'm gonna save and watch when I can open a new card. I anticipate to pay off my two CCs this year woot woot. I'm looking for gas, groceries, and flight points next.

wait what a cute collab!! love ask sebby

Brilliant !

I paid off $40,000 worth of student loans in 18 months as a server.

I used to watch your videos when you were in your room doing budgets to pay down you student loans. I’m back on KZbin and your channel went to a whole new level of professionalism. Great job Aja!

This is an awesome crossover/ collab! LOL unexpected but I'm sure it'll be a good video!!

Hi! Great video and it provided such clarity for me! 😊 I had another question, are we only to pay statement balance and it won’t lower our score if we don’t pay current balance? My statement shows statement balance and current balance

I love watching your videos! I literally have no interest in getting a credit card but I’m gonna watch anyways 😂

This video came at just the right time! I've been debating between the Capital One Savor One and the Chase Sapphire Preferred! Still not sure which one I want to go with... But I think I really do need a travel card! I'm also about to pay for the next installment of my wedding venue so definitely looking for cards with great bonus offers to take advantage of the large payment!

Aja you Kinda look like a girl I’ve been very close friends with since 2009 ❤🤩

Team Aja, always! 👏 🫶🏼

FIRST COMMENT AND FIRST LIKE:❤🌟🩵🏆💖🥇💙🎖️ HAPPY FRIDAY !!!!

I went back and reviewed my planning after watching this video and one thing I noticed is that when moving focus to a new card, there isn't an adjustment for all the minimum payments which have been made on that card previously. In the last example, you calculated month two for Citi with the full balance of $1419.67 instead of adjusting for the minimum payment that was made the previous month. Is there are reason those minimum payment aren't accounted for? Just something I'm stuck on because wouldn't that shorten some of these timelines for payoff? Maybe I missed when you talked about it, so lmk if that's the case! Thank you for the videooo :3

This explanation is great. Really makes you think about the purchase cause $50 really can turn into $150 fast if you’re not careful.

Just wondering if the average american joe would still be sane knowing EU banking structures and payment models, i.e. payments reflected on your CC instantly!!! It's just stupid how US banks like to stretch things to its limit leaving payments pending for 3-5 days. Come visit EU, let your minds be blown! 😅

Aja, can I make payments twice a month? I read that paying 10 days before the due date can increase your credit score. What are your thoughts?

No wonder i was going no where with snowball method 😂

I think that the snowball method is a great method and I am currently working on my. I appreciate your explanation. But I don’t think the minimum balance should be added to the other minimum the first month because it was applied to pay off the other card. Eek!! They would be short in their budget if they did it. At the beginning of the month if that minimum balance has been applied to a card already it should not be applied to another card in that some month. Unfortunately the math isn’t correct but the application- the math is so stinking helpful. Thanks for the encouragement and for the examples.

❓️⚠️❓️ I can't find the answer I'm looking for. Someone, PLEASE tell me what I could've done in this situation: I'm 110 lb woman, he = 225lb man. He used to take martial arts. In a second, he had me pinned to the floor. With 1 of his arms, he pinned both of mine & with his legs, he pinned mine. With his free hand, he grabbed the wrungs in my windpipe & i couldn't breathe. I would've suffocated if we weren't on a cruise & security wasn't watching on camera. Is there ANYTHING I could've done? I had ZERO warning & all of the pinning & choking happened in the blink of an eye. ❓️ ❓️ ❓️ ❓️

Buy NVDA stock. Or if you did a couple years ago.

I love this. I just watched the SATC episode "A womans right to shoe" - same thing!!

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

I feel like I’m in economics class.. but actually helpful, applicable, and not fear based financial information

I’m big on numbers and you mentioned my birthday Feb 22 and I see my sons birthday April 14 so im with you now

I use mine like I would use a debit card. I buy everything with my credit card and pay off the balance every time I get paid. This way I am constantly building credit and if my card becomes compromised it isn't connected directly to my bank account.

You're too young to know about McGyver😂

Nah! I just walk around with paint spray that will do the trick way faster then this jui juju tzizozo defense crap!

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?