7 Things I Wish I Knew About Paying Off Debt | Aja Dang

[@AjaDang]

I've set up a Discord! It's just the beginning and I'm new to it so lmk if you have any suggestions OR would like to be an Admin or Moderator! discord.gg/5k67RpC

[@davidheinig9948]

Overpaid youtuber

[@AjaDang]

@@davidheinig9948 i wish.

[@Tokyokittytigger]

I called to pay the final $6000 of my student loan off today!!!!! They are withdrawing from my account end of this month and it feels so freaking freeing Thank you aja for encouraging me to take this path

[@mette1983]

Yay! Congrats!

[@dunnigold]

Wow congratulations. Thats amazing. I am grad school and I am currently working my ass off to pay but I know it will be worth it when I graduate debt free

[@cutiepiemania45]

Congrats!

[@cindyelizabeth.1]

Wow, that's amazing! Congrats!!

[@rubyzlan]

Congratulations! Welcome to a new life :)

[@ChristianneAngelica]

1. Paying off debt is hard. 2. Find your support system 3. Your budget. YOUR CHOICE! 4. Your journey will impact those in your life 5. There is no right way to pay off debt! 6. Say bye to haters 👋🏼👋🏼 7. Confidence will SKYROCKET - when your debt is paid off 🚀🚀

[@rosemaryarnoldYT]

Thank you!!

[@christi-annebeatty5456]

Thanks for this. Also my name is Christi-Anne, that’s so cool. 😎

[@eunitataylor4263]

Gosh, thank you for the summary!!!

[@tiffanyferg]

My debt payoff journey inspired my parents, and they’ve finally been able to pay off their credit cards and are heading to the bank today to pay off their car in a big lump sum! It’s been so rewarding to watch them get excited and motivated about the process, especially after getting used to carrying debt (and making never ending minimum payments!) for so many years

[@AjaDang]

that's amazing!!

[@MonoiLuv]

Culturally, it's like we are allergic the to idea of celebrating someone else's financial success - to our own detriment. More of us need to be discussing our financial health and goals openly. No one person's situation will mirror another's. So we need to exercise our emotional muscles to be HAPPY for each other. Plus, YOU ADVOCATE FOR DONATING TO OTHER CAUSES! What is there not to celebrate in that? Because you are debt free, you can give more charitably. That is worth celebrating.

[@AjaDang]

We are so comfortable celebrating birthdays, pregnancies - but not financial success? Time to change that.

[@ambition1224]

@@AjaDang I think it's because people feel as though their lack of financial success is because they are LESS THAN. So when others like yourself are doing SO WELL, it's like "dang, I'm a failure", and that feeling of insuffiiency makes them lash out in a negative way. While as with birthdays...EVERYONE "gets one". Hope that makes sense. Still not an excuse to be rude.

[@limacnaughton3352]

As someone who is one month away from paying off my mortgage.... It may be because we are in Australia - we are looking at how we can have an online celebration with our family... Because with this pandemic we can't have the traditional family party to celebrate.

[@ambition1224]

@@limacnaughton3352 OH WOW! That's amazing! CONGRATS in advance!

[@Ms.MD7]

@@ambition1224 completely agree. I love the idea of celebrating debt free but every damn time I bring it up, some ppl I know gets so damn defensive or won't even acknowledge because it makes em feel uncomfortable since they are in a lot of debt...but they don't want to do anything about it either.

[@MonoiLuv]

My partner and I reached our Emergency Fund this month! Now time to chip away at a mortgage.... This is going to be a true marathon. Wish us luck.

[@mette1983]

Best of luck. U can do it

[@destinymcmahon9774]

Good luck you got this!!

[@brittanyr8357]

You can do it. Check out HisandHermoney KZbin channel they did it on one income

[@noovernightguests]

Congratulations and good luck guys!

[@AjaDang]

Good luck!!

[@annamaria1419]

I've paid off my debt last month and I'm really happy to start saving☺️

[@mette1983]

Wow. That´s amazing. Congratulations to you

[@RawLumpia]

Congratulations 🎊🎉🍾

[@seenneyvicent5932]

Yay!! ♥️

[@kaylakiddo]

Awesome

[@destinymcmahon9774]

Congrats!!! 🥳🥳

[@breonnaalexis5387]

I paid off my student loan debt in exactly one year of getting my first job🥰🙏🏾 I am forever grateful!

[@LadyL579]

Oh wow, that's awesome Breonna! Congratulations!!

[@breonnaalexis5387]

Laura J thank you😘

[@manonguinchard5829]

Breonna Alexis congratulations !

[@sn-go2cq]

👍🏽 well done on achieving your financial freedom so quickly.

[@SheylaGomes]

Aja I have great news to share I paid off all of my student loans on Friday, July 17th, 2020. Your videos were very encouraging throughout my journey.

[@mette1983]

Cool! CONGRATS to you! Remember to celebrate and be proud of yourself

[@SheylaGomes]

@@mette1983 Thank you Mette! I appreciate it.

[@destinymcmahon9774]

Congrats!! 🥳🥳🥳

[@AjaDang]

dang you JUST did that! Congrats!!

[@CoCMember]

Congratulations!!!!!

[@samXDpm]

I just paid off my car, my next goal is to get rid of my student loans

[@MonoiLuv]

Alright way to go! You got this!

[@AjaDang]

yes!

[@CoCMember]

Congratulations! I paid off I think my 4th card today. That's 3 in a month. Two left. Then car... Then student loans 🤮

[@Rburbick]

me too!!!

[@annabanana2529]

Yes!! Same here!! Good luck to you ♥️🙏🏽

[@LilannB]

I finished paying off all my debt earlier this year. I had been working 2 jobs in my quest to attain debt freedom. After finally paying off all my debt I realized that I no longer needed to work 2 jobs. So I quit the job that I liked the least and went with the other job even though it paid less. Being debt free gave me the option to walk away from a job I did not like because I no longer needed the money to pay off old debts.

[@brittanyr8357]

Awesome

[@brittanyr8357]

Being debt free allows you to have more options

[@AjaDang]

YES!!

[@ambition1224]

That's great! FREEDOM, ain't it a beautiful thing?! It really provides so many more options! CONGRATS!

[@Veeyah19]

I just paid off all my debt!! All $99736.37 of it! Ive never slept so well in a long time. Thank you for being such an inspiration and a support during my journey ❤️. You're a blessing!

[@AjaDang]

yess girl!!!

[@miguelbudgets]

Congratulations! That’s a big number!

[@Veeyah19]

@@miguelbudgets thanks so much Miguel🤗

[@miguelbudgets]

Ahliviyah my pleasure!

[@hey_atw4711]

Damn! 🥳🥳🥳

[@dandibambi]

Ever since discovering Dave Ramsey last year, I've been aggressively tackling my student debt and am soooooooo excited that I'm about 3months away from FREEDOM! Honestly, when I've felt down, I would watch your videos which helped me stay motivated :) You're awesome Aja.

[@ed8329]

amazing! you can do it!!!!

[@AjaDang]

so happy to be apart of your journey!

[@lindakhan9040]

I used to listen to Dave Ramsey every morning and night when I was tackling my debt. It helped me so much!

[@brendakrause5639]

👍

[@asmita2318]

My parents got $80,000 loan to built three storey house that I will have to pay. Dont know if we can even afford my masters degree. What scares me isnt the debt, it is how unplanned and carefree my parents are. They dont have any plans to pay it off.

[@hermannweber2441]

Some parents make mistakes of poor planning, if care isn't taken you might end up being the one to work your ass out to pay off the loan, I would love to be of help, seeing someone in a helpless state is my weakness. When you see this drop a reply, I'm ready to help you .

[@alexanderyoung4697]

@@hermannweber2441 please sir I need help to, I have an outstanding student's loan to pay off and I have no idea on how I can do that. Please render help to me as well🙏🙏🥺

[@danielpaul6847]

@@hermannweber2441 John Parker???? You remember me? From the comment section were you helped a young girl raise money to pay off her school bills 4 months ago? You are a good man. God bless you

[@asmita2318]

@@alexanderyoung4697 Thank you so much for offering to help. It would really help me ease my anxiety.

[@hermannweber2441]

@@asmita2318 I'm glad to hear that. Just pray always, invest to create extra stream of income and sooner or later you would help your parents clear their loan and you will be so glad you did.

[@VanessaBlanco]

I just paid off one of my credit cards 2 days ago! Working on the others 🙌🏽 love how much you’ve inspired me to take control of my debt. Keep spreading your story and knowledge.

[@AjaDang]

yes girl congrats!

[@mdsigel1]

I can’t reply to everyone but congrats to all the commenters paying off debts and making moves 🎉🎉🎉

[@SarahMele]

I absolutely love the tip about people shaming certain things in budgets, or letting people feel ALLOWED to live their life. I seriously love that Ramit Sethi emphasizes this too!

[@cindybebe]

Started with 90K and now I’m at 40K. It’s been a difficult and frustrating 3 years so far and hopefully just 2 more years to go. I cannot wait until the days when I no longer think about student loans!

[@AjaDang]

you're more than half way to your goal!

[@joymae]

The hard part of getting good with your relationship with money is the loneliness that comes with it

[@mdsigel1]

Surround yourself with likeminded people

[@brittanyr8357]

I understand what you’re saying. I have very few family members and friends that think like me..saving, no debt except my house and starting a business to provide wealth...some ppl I can’t even talk to about it

[@AjaDang]

hopefully this community can help you realize you are not alone

[@nongcalirubushe]

I feel the same

[@shola7987]

Very true. You can't really talk to people about it u less they are on the same journey. It's really just a personal journey. Gotta live like nobody else so you can live like nobody else right.

[@eloraferris9980]

Love seeing everyone’s accomplishments. So far I have paid off two credit cards, and we are chipping away at my student loan. I already feel so much better to have started the journey.

[@katiekennedy8701]

Aja!!!!! Thank you for great videos. I have saved 2k for a house this year so far!

[@omowhanre]

Congrats! You'll get there 👍🏾

[@deshalalwalker1076]

I am on a roll as I am proceeding with paying off all my debt. I paid off 3 so far, I will pay off number 4 and 5 by the end of this year....that's a total $8,000. And then I will tackle my car debt and my biggest student loan debt. And yes I agree with you Aja, people are normally saying rude things to you because they are jealous! #facts

[@FordBabe89]

I was unemployed for a year when I made a move across several states to be with my fiancé. I racked up more than $14,000 in debt just trying to live ($550 in truck payment/insurance and $600 a month for Cobra insurance). A few months ago, I finally began following the Budget Mom's system strictly (I had tried several times before and given up). I'm finally IN IT TO WIN IT, and I'm down to $11,500 since the beginning of May. Chopping away at it slowly but surely. My husband doesn't understand, so sometimes it's hard to feel excited about the small wins. I'm glad I found your channel.

[@claraclara9146]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen successfully we hope to help more citizen of UNITED AND CANADA citizen NOTE:this is legal activities

[@melissaandreag]

I tackled my different debts through the debt snowball method (credit card, car, student loans). When I got to my student loans (my last debt), I took the avalanche approach to tackle the largest interest loan to the smallest interest loan. I liked my blended approach. I became debt-free in June 🎉

[@bethanysamson]

Hell. Yes. That’s so awesome. Congrats 🎉

[@melissaandreag]

Beth Thank youuuu :3

[@Dree2022]

This is exactly how I want to tackle my debt. Avalanche when it comes to student loans and snowball for my car (: congrats on being debt free!

[@claraclara9146]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen NOTE:this is legal activities

[@donniep.1513]

Congratulations! I did the debt snowball and now I’m working on my car. All credit cards paid off 🤗

[@vbutterfly11]

After being laid off while 3 months pregnant with my 2nd, I spent over a yr trying to get a job with the public sector. Started my Masters with two under 2 while hubs worked all the time and I took a night shift. Finally paid off, got the job I wanted and we have both increased our incomes A LOT. Paying off a consolidation loan 4 years early! You’re channel among many more have REALLY REALLY helped us.

[@AjaDang]

you're a superstar!

[@CNJL1]

People always throw getting coffee in my face. Whenever I say I can’t do something because I didn’t budget for it, people would say “but you get coffee all the time”. I was like umm that’s the point I budgeted for the coffee not the new coat or going to a restaurant etc. I just stop telling people the details. Some people even doubted I was paying off debt because I would get coffee.

[@AjaDang]

so ANNOYING!

[@millennialminoritymoney783]

I paid off over $240K in 27 months. It feels amazing. I started sharing my experience to help and motivate other people but I don't think people around me are comfortable with me sharing. They are taking it as though I am showing off Instead of people being happy or using it as motivation. They act differently and don't seem to like it. I feel amazing to be finally debt free. And everything you said in this video is 100% true.

[@qcspt]

I just paid off my last debt payment last week. The journey was definitely hard and I felt the slog at times but so worth it. I'm looking forward to having a nice, hefty emergency fund next!

[@mette1983]

Congrats

[@glendahernandez2464]

I will be paying off my debt this year 😀 I have less than $4000 on my car and then I'm going to tackle my school loans. Although this year has been insane I can see my finances coming together and in a way makes me appreciate the crazy year it has been so far.

[@AjaDang]

yes congrats!!

[@claudiaaa4268]

Reg TiP #1 !!< IT IS HARD>!!! BUT the outcome is so rewarding. Im working on paying of 40k, im halfway there and its already more of a motivation. I dont have support system, i wish i did. I just know that i rather work my A$$ off the next 3 yrs than live the rest of my life just paying interest. Keep in mind A lot of people are not supportive, they expect you to continue bad habits. Be strong and keep ur focus on the goal. Good luck.. much health to everyone

[@AjaDang]

yes! Great mindset.

[@sarahsappenfield8359]

I'm so glad you are talking about this!! it is so important to be debt free! I am on my journey and I can't wait to be debt free!

[@budgetingrose5681]

Yaaaaaasss! You got this!

[@sarahsappenfield8359]

@@budgetingrose5681 thank you so much!! ❤

[@angieramirez4156]

Hi Aja! I love your videos, my husband and I recently started our FIRE journey! We sold our expensive car and got a more affordable car, dropped our payment by almost half! We then paid off our smallest credit card and 80% of the second CC. We are down to one last CC, the biggest one, and we feel great. It was tough at the beginning, getting on the same page, but now I feel we are closer than ever. Thanks for talking about money and finances! I look forward to your videos 😊🥳💪🏽

[@AjaDang]

congrats!

[@amakamgboh187]

I have been watching you on your journey since the beginning and I was in high school at the time. You inspire me to be more conscious about money and debt. Thanks Aja! I have avoided debt in college and have $1000 in savings which is a huge blessing.

[@AjaDang]

wow amazing!!

[@gojigomi]

Always awesome advice ❤️ I paid off my car (~$22k) in 23 months because I made it a financial priority and now I’m tackling the rest of my student loan debt (~$4.5k) and am paying it off this month. I found your channel while YT surfing and am so glad I did because it’s been the best accompaniment during this journey. Thank you for being you!

[@JustineCarissa]

I’m almost done with my car loan. My student loans, one credit card, phone have been paid off. But I had to move back home to pay off all my debts and I’m trying to find another side hustle to work on financial freedom. Thank you for your great debt free journey videos!

[@claraclara9146]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen

[@leonaustin7015]

Insightful video I must admit. It was so difficult to pay off my student loans till Cryptocurrency trading changed my life forever. Last month through professional advisory from a licensed broker, I made 200% profit from my start up capital and this would continue consecutively. The goal is financial freedom, happy I’m applying knowledge through this journey

[@izabellepowell5159]

Hi Leon, This is a great story considering what’s going on around the world right now. How does cryptocurrency trading work? If you don’t mind me asking.

[@leonaustin7015]

Izabelle, Cryptocurrency trading entails buying and selling of a particular cryptocurrency(which could be bitcoin, litecon or any of the others available in the market) through an exchange. I have been consistently trading for a month and my success story is just getting started. Feel free to ask me questions, I’ll be glad to answer them the best way I can.

[@Saikyo]

@@leonaustin7015 Any recommended tools to get started in that? Specific apps?

[@leonaustin7015]

Saikyo Specific apps is not what you need as a beginner, you need to talk to a licensed broker and I can refer you to a very one. He helped me with my earnings and he will be glad to do same for you.

[@elliecbron]

I finally paid off my huge student loan after 3 years of hard work. It was really emotionally & physically taxing. Your videos always kept me inspired & looking ahead during that time. Thanks for sharing your journey Aja!

[@AjaDang]

congrats!!!

[@budgetingrose5681]

Congratulations!

[@missgi2ace]

Started my debt free journey (inspired by you and Dave Ramsey!) Jan of 2020 and paid off over 10K and a car loan!!! I still have student loans and some cc but I am motivated and encouraged by every small progress I have made and will continue to make!! Thanks, Aja for always putting up amazing content!

[@AjaDang]

wow that's so much money this year, congrats!

[@DearlyFrances]

im about to graduate this fall 2020 and i enrolled in a csu system. I think i'll be around 20k in debt from the 4 years of my education. No regrets with going to school BUT i dont KNOW what to do with my psychology degree. I'm taking the effort to learn about debt and preparing myself of how i'll face the next couple of years of the unknown... I've been following Aja for years and shes my inspiration for tackling a topic that most asian americans dont talk about! Learning how to manage money is a huge skill and im happy to have started thinking about finances since i was 17. I'm now 21 and already starting side hustles while still figuring out what to do w/ my degree. Thank you Aja for putting yourself out on KZbin and for touching many people's lives including my self :)

[@claraclara9146]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen successfully we hope to help more citizen of UNITED AND CANADA citizen NOTE:this is legal activities

[@miguelbudgets]

Congratulations! Sometimes the unknown is inevitable and preparation for it is key! Let your side hustle fuel you for the time being while you figure out what’s next. Maybe focus on your KZbin channel and maybe that can start generating some revenue for you! Best of luck!

[@makinzie8793]

Thanks for the video, I spent a whole year paying down debt and focusing mainly on that goal. It was difficult watching others, travel, shop, eat at restaurants. Almost debt free and I can almost taste the freedom.

[@TinaLeder]

I'm on my #debtfreejourney now and now posting KZbin videos inspired by you, so *thank you* so much!🙏💃🔥 *P.S. I created and managed a Discord community for another KZbin influencer and would be happy to volunteer my time if you'd like!!* 💖💖💖

[@TheEmzies]

What I've learned is that simply being debt free is not enough to feel financially free. Having savings (way more than $1000) is so much more important to feeling financially secure. It's only now that I have significant savings, even though I still have $8000 debt that I feel secure.

[@buibuibuirockineverywhere8701]

Agree- yes financially it makes sense to pay off debt with highest interest rate, but paying off the little smaller debt keeps you motivated and keeps you going to pay ALL of it off. Little wins make a huge difference! :)

[@AjaDang]

100%

[@reneihall]

I came and watched this video again. Since watching the 1st time I have paid off 5 of my debts in 1 month. I'm following Dave Ramsey too and this is happening so fast. Thank you for posting this video. It's helping me stay encouraged.

[@MandySchut]

Your debt-free journey has helped and inspired me so much! I started paying off my debt this past January and I am well on my way! Doing what I can to reduce the overall time of paying off this loan. Thank you, Aja! 💓

[@AjaDang]

congrats on getting started!

[@zillashimmy]

I'm slowly creeping along in my debt free journey. I've paid off 6 of my smallest debts at 5,000+ and I can see the light at the end of a very loooong tunnel, but I'm so much farther than I ever thought I'd be!!

[@zillashimmy]

9 mths later, I'm on my LAST debt. Thank you stimulus and Covid premium pay ;)

[@BadBrad119]

$42k left to pay off! about 1/3 done

[@calisteve2023]

The first third is the hardest and biggest hurdle. The rest will be easier.

[@AjaDang]

yes congratS!!

[@jazminjnee2238]

Go, go, go 🏃🏽‍♀️

[@joaopedrofeitosa2990]

Hey! Thank you for inspiring me to pay off my debts! I was earning more and could pay off my credit card right off the bat but was spending every penny of my income instead of facing that debt.

[@Archmaya]

My bf made a comment like that when he overheard one of your videos while I was watching it and I defended you girl!! 🧡

[@AjaDang]

seeeee! Thanks for defending me :)

[@sliceofsyd]

I paid off my car earlier this year! Next I’m trying to tackle my credit card debts I’ve accumulated after an emergency eye surgery I had a few years ago. But luckily the pandemic has been making it easier to make more aggressive payments towards it. Thanks for creating this little financial community! Love hearing what you have to say and your debt free journey is so inspirational!

[@janessanm]

I'm in Canada, so it's crazy to hear what student debt is like in the States! I'm certainly proud of how much I've paid off while saving for a downpayment and a new car- so hard! And I love the tip to keep the things you need for your happiness in- can't feel guilty!

[@Elena-er7zp]

I make far less than you and I still made room in BS2 budget for live music. Nothing crazy like front row Beyonce, but smaller bands at smaller venues. It kept me sane. Paying down debt is hard and depressing and you need a little something in your life to bring happiness in or you will want to quit. I was always so impressed by how hard you worked to increase your income. It’s not as though your career field changed, but you definitely hussled much harder.

[@yowzayammm]

Earlier this year, I paid off $5k in credit card debt, and next month, I should be able to pay off the last $2300 of a $10k student loan! $35k more to go! Thank you so much Aja, for sharing your journey and making it less taboo to talk about finances!

[@Kim-fv5sv]

I love this video soooo much. Thank you for being so open about your financial journey!! I just got my first paycheck from my postdoc position today and this video made me so motivated to budget my money well.

[@JemimasOutcome]

Allocting in your budget a way to treat yourself is so important. It's such a hard journey that taking care of yourself in small ways will help you stay sane. A beauty treatment or coffee is not a waste when it's the one time you spend money on yourself to recharge.

[@dreuhhh07]

im taking control of my FINANCES this year AJA! Happy I found you just in time for the new year!

[@maritacardenas]

I have paid off 2 credit cards today and I have my larger one to go! Now I can roll those payments over to my larger debt and hopefully get this bad boy paid off sooner than expected! ☺️

[@AjaDang]

dang AMAZING!

[@alexandracretu4728]

I closed my credit card before Christmas and already I have saved soooo much more than I hoped. No more spending on silly-frilly stuff and snacks. Tracking my expenses really opened my eyes. Still difficult to budget, but simply tracking every cent has made a HUGE difference. In my finances and my sekf-confidence. Good luck to everyone ❤️❤️❤️

[@AshleyLoraAnderson]

Last quarter I paid off a $2000 loan while still in school! Now I have $4500 in debt, and Im halfway through my undergrad degree. This weekend I found out that my school gave me grants to cover almost half of my tuition for next year, so I shouldn't have to take out much more loans next year at all. I'm hoping to graduate with less than $10,000 in debt so that I can pay it off quickly! Also this channel inspired me to start my own finance video, because I feel like people only talk about their debt after the fact, and not during school. I currently only have 44 subscribers but I LOVE making videos, and can't wait to keep making more.

[@melaniesmith1928]

Ashlleya congrats on paying down debt and starting your cahnnel!

[@AjaDang]

wow that's amazing! school grants are clutch

[@Rebekah_emeth]

I completely agree‼️ I have 2jobs FT/PT I focus on my goal to get me through those miserable days.. Then I celebrate when I reach certain milestones. I too set aside skincare and hydration therapy appointments as part of self care.

[@daniellelee4618]

Thank you for sharing your debt free journey. This year so far I’ve paid off $35k in student loans. It definitely takes a lot of emotional strength to keep going. I still have another $150k to go, but being able to pay off the second loan was very freeing. I’m lucky that my loans are in forbearance right now, so I’m taking advantage of it and using almost all my money to pay off one loan at a time. It takes a lot of focus which I didn’t see coming. What keeps me motivated is to just pay $100 at a time from my reselling online and it’s working. My goal is to try and pay off another 10k by the end of the year.

[@claraclara9146]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen successfully we hope to help more citizen of UNITED AND CANADA citizen NOTE:this is legal activities

[@DoTheDomThing]

Having community is a game and life saver and the online YT community is great. Unless it’s your significant other or confidant, no one wants to hear your money problems/debt free journey regularly. Your decisions get critiqued a lot and that can turn relationships sour. So, support and being supported by others who are doing what you are doing (aka becoming debt free) makes you feel less crazy and adds confidence that you can actually do it.

[@purplepurls77]

i worked a year internship during my college degree and saved up enough to pay off my student loans!!! i'm gonna be paying it off at the end of august (we've been given interest relief because of covid) and i am SO excited to be DEBT FREE

[@AjaDang]

AMAZING!

[@LorialRoballo]

I just paid off all of my student loans and honestly, I thought the feeling was going to be like super exciting however, I don't feel that excited. Maybe because I still have 6,000 to pay off for my car? Debt sucks...

[@GabysHappyLife]

Congratulations😀

[@rylee4268]

It may not feel how you expected but that’s still exciting and all of us money geeks are proud of you haha 🥳🥳

[@chrish2730]

Congratulations!!

[@DoTheDomThing]

It’s still worth celebrating so Congratulations!

[@LadyL579]

Yess Lorial!! This is a total accomplishment/just let it sink in! I am currently still paying off $72,000 of student loan debt (interest only payments for now)...its a start, but we got this!

[@Maritza1963]

Great video. I am sharing because people I know don't want to hear it from me. I also followed a modified Dave Ramsey Baby Steps. Every journey is different. It was hard but reminding myself that the sacrifices were temporary was powerful. Also, it created great habits to stay debt free. It doesn't end there because now you have the opportunity to spend/save your money wisely because you worked so hard to get where you are. I love being debt free and now instead of being in the negative I finally have a net worth. I am very proud.

[@missjadeline]

Wow!! I don't usually comment but really this gives me courage to continue to pay my debt even if during those uncertain times and loosing my job really drown me down. Thank you so much for your tips and a lot of your financial video really make me understand more about budgeting, having a emergency funds, sinking funds and more. Thank you so much again and I hope to see more videos/tips about finance! 😊❤️

[@Nay-bk9mk]

Just realized in this video you answered my curiosity about saving accounts.. Thanks Aja.. Watching your videos about debt free inspired me to start to pay off my credit cards debt..

[@OEA2580]

So true most people don’t want others to be successful especially if they are not in the same place as you financially. Great video!

[@carlaphillips9296]

Thank you for your encouragement, I am on my debt-free journey and am very motivated by your journey.

[@srhfrmn]

I'm officially starting my first post-grad job debt-free!

[@AjaDang]

congrats!!

[@jeannelle_]

Ugh I can’t wait until I’m done with school & focus more on working coz I really want to start my debt free journey!

[@erickagaines7231]

I will be paying off my last credit card this month. I was in $36,000 credit card debt I can’t believe it. So much interest was eating me alive. But not anymore. Now on to my student loans I’m actually excited to start paying them. They’ve been with me for years like Dave Ramsey says it’s time to give Sallie May her “eviction notice” Aja you have really encouraged me to keep going thank you so freaking much. Not sure if you will see this comment but thank you sis. Lol much love so happy for you for tackling your debt.

[@josjo188]

As of beginning of July 2020. I paid off all my debt that I had entirely. I’ve been working on that for the last year or so. It still feels a bit off because I don’t think the feeling has settled in yet. Did it take some time to get used to being done with your debt? Idk, maybe it’s quarantine that has messed it up for me a bit.

[@AjaDang]

CONGRATS! and yes, being in debt fucked me up post debt for a bit. Now I'm ok. I think because I have an fully funded emergency fund I'm not longer scared of going broke.

[@emilymiller1566]

I feel like you’re my big sister that I’m going to for financial advice, you are such a role model

[@AjaDang]

i appreciate that!

[@Balgees24]

I have to agree with we have different priorities in everyone's budget and yes I take paying my credit cards lowest to bigger card I only left with 2 now 😊

[@khloeescarcha2961]

I paid off my student debts (its only about 1k USD) but thats a large amount for a 3rd world country. About 3x the monthly salary of a rank and file position for licensed professionals. I got a promotion a couple months ago. 😊 My credit card debt is at zero every month too. You totally helped this girl out! Yaaaaay! 🥰🥰🥰

[@AjaDang]

AMAZING!!

[@StillAshleyNicole]

Love the raw truthfulness here..thank you 🤗

[@vanitathompson482]

Thank you! I have been trying to pay off my debt by putting more on the principal. I feel like I need to work a little harder. If you can do it! I can too! Thank you for inspiring me!!

[@hannahgantuangco9641]

I recently just got accepted to my first choice of graduate school. And having already watched your debt off journey and budget videos from the start...I feel confident in knowing an approach to tackle my loans that I will have. Thank you Aja!

[@sammionne239]

Hey Aja! I've been following for years now and I just want to say keep up the good work. You inspire me as a creative, money conscious, animal loving, Asian woman. As a Chinese girl in my twenties I think that's so important to embrace our Asian culture. I will watch every one of your new videos and listen to all your podcast episodes. In your recent episode With Shana, I was really disappointed in the misinformation regarding COVID. As a doctor to be I would expect such a fantastic platform to be more careful with the information you share. I am commenting here because I want you to know I will continue to support your work, but I hope you can deeply evaluate your podcast guests before you broadcast the episodes. I have the utmost respect for you but I hope you be careful with the people you invite. You've been doing so well on all these platforms and I hope your work can continue to be positive, scientific-evidence based, and heartwarming (every video always makes my day). Thank you and sending lots of good luck. Stay safe! Xx

[@HopelessWanderer2]

This is what I needed to hear. It’s OKAY to budget for anything that will keep you sane and motivated to keep going. I’ve pushed off finally tackling $50k of student debt for too long. Just accepted a new position at work with a $10k bonus. I can do this!

[@monicakhln1365]

Last month i paid off my debt, and bought an expensive flat for myself to reward myself. Just wanted to share this as this video inspired me. Let's celebrate ladies 🍷

[@Education-Edge]

Paying off debt is hard but it takes Discipline!! 💪🏽💪🏽

[@devlinfae]

I understand where you’re coming from. ❤️ I wanted to set aside savings while paying off debt, and got hate for it.

[@normaandpascualaguon5236]

Your awesome. Keep it coming. I started my debt free journey and I dont know why I was surprised but wow your right so much negative blows. One person harped on FICO score and how great her 800 score was but FICO score is not a measurement of sucess just means you have huge debt. FICO is the way America keeps you in debt which explains why your score goes down when you pay off debt. You'd think it be a plus but it hurts your rating. One person told me " I just dont know how anyone can live without debt." It is possible, i say. Thank you for your videos. Inspired.

[@lisashipman9387]

Thank you for this channel!!

[@SamElle]

i finished undergrad and now im in grad school so I still have time to pay off my student debt. It postponed when I have to pay everything off and that has helped me instrumentally. Of course, this is not the way to avoid paying it off but it definitely gives me more time!

[@SarahMele]

Hey, not to be negative, but it also means *more* debt potentially. I think you could definitely benefit from having a plan now, and begin paying off what you can now. For federally backed loans, debt repayed within 120 days of *each* individual disbursement (each semester) is like you never borrowed it (interest paid returned back to you, etc.), and even random one-off payments during school will significantly reduce the total interest you’ll pay on the life of the loan! Just a thought to plant in your mind!

[@SamElle]

@@SarahMele Oh you totally make a great point! Yea I'm going to continuously try to work on repaying it piece by piece as I go through graduate school because I can't imagine the amount of headaches I'll get from the debt once I'm officially out of school for good.

[@MsJacquese99]

I graduated two years ago and I FINALLY just got my diploma in the mail yesterday. I’m paying my loans the avalanche method as my interest rate was veritable and got up to 12%. That loan is now under 8k. Im so happy 😁

[@m.e.5]

I’m so glad KZbin suggested your channel to me a second time because your budget content suited my life then! Re: your budget priorities are your own, maintaining your health on your financial journey, customizing your budget and savings to your situation, and the bird to naysayers; Amen! Amen! My husband of 9 mos and I have had to do just that. He’s more of the breadwinner so he’s handling paying off our joint debt as I focus on building our savings fund (and my personal sinking funds) in the meantime w my part time hustle (I’m an independent contractor too)! Thankfully I’ve resplit my work week and my part time gig is picking up again! I know it’s a long road, esp w us looking at houses to purchase, but I’m already feeling more security and financial freedom having 1 mo of our 6 mos emergency fund almost paid off. Like you, a 1K beginning ER Fund doesn’t jive w me, esp w 2 dogs, a husband who works in a sometimes financially volatile environment, and me being an independent contractor. I’m excited each week I transfer money to savings. To security and freedom!

[@Angela485]

I've realized that sometimes people forget that, even if you are making $100,000 a year, that doesn't mean that you have $100,000 to spend in a month, so expecting someone with a higher income than you to just be debt free right away isn't realistic! Its so easy to say what you don't like about what someone else is doing, but actually taking the steps in your own life to change your own personal situation is so much harder, and the people who are bringing down other people often aren't even doing the things they expect others to do.

[@08Ilovehorse]

Thanks for the video Aja!! Also enjoy your content, thanks to you I have close to $1000 saved towards my student loans- $19,000 to go. And I just graduated this semester 🎉

[@08Ilovehorse]

Also I previously was babysitting & finally got a full time minimum wage job. I’ve also added money to my dogs emergency fund as well as still adding to mine.

[@AjaDang]

congrats on graduating!

[@GabysHappyLife]

Omgosh Im so excited for this video, Im on my own debt free journey and I am just getting started so this video is really helpful for me😀

[@MonoiLuv]

You got this!

[@GabysHappyLife]

@@MonoiLuv thanx so much😀

[@nowadays2973]

You inspire me to pay off my debt. I just paid off my $2,000.00 credit card. Now I am working on my student loan debt and save for a house.

[@donniep.1513]

Thanks, Aja! Currently, my only debt is my vehicle. I’ve successfully paid off my final credit card though 💪🏾🤗

[@AjaDang]

congrats on paying off your credit card!

[@Lasvegas9802]

Love your videos and thanks for sharing your journey. Here's to a great 2021 for us all. Love from Texas😊🍾🎆

[@roannfranboa2622]

I kinda got side tracked and is really having a tough time the past few months because of this pandemic. Good thing I was able to save about a thousand dollars for my emergency fund which I was able to use to cover my expenses for the past 3 months. To be honest, this pandemic took a toll on me and I was losing my patience but watching this video motivated me to start my debt-free, and financial journey again. Thank you, Aja!

[@Diana_Ton]

You have inspired me to start a KZbin channel! I have posted a couple videos already. I plan on posting more on self-esteem, my grad school experience, debt journey, and work tips (time management/consulting).

[@crystalolson1212]

Yes to the adjust , I use Dave as well but over my 1000 I took time to get 1 month ahead of bills so I was always 1 month ahead on the main bills ... I am self employed and a single mom so I needed more to keep myself comfortable during the journey!

[@jenae3830]

I paid off my $5600 car note and am going to start a new job next week! I hope can keep this momentum to tackle the mountain of student loan debt!

[@covidhelp_19relief63]

hello this is helping hand organisation setup by few individual to help the world due to the pandemic situation going on, without paying noting this program doesnt exclude anyone you can all get support from us between limit of $1000 to $10,0000 email ([e-mail]} you just have to tell us what you need money for please don’t lie about it we have helped more than 200 united citizen NOTE:this is legal activities

[@nancydavis5857]

I started paying off student loan debt this year. I moved 16K from savings and paid off 5 loans!! Then covid hit and I stopped diverting money from pay periods so I could save more. 130k left 😣 and idkkk when I’ll start my debt repayment plan again. I’m frustrated that I had a plan and momentum but had to pause it. Hopefully soon I can put the money I’m saving in the meantime towards my loans!!!!

[@destinymcmahon9774]

Nancy I was in the same boat. Started my debt free journey in Feb, paid about $3k then had to pause to build a bigger savings. I accomplished bare minimum 3 months of expenses saved and I am moving back to paying off debt while still putting money in savings. It's so discouraging to pause but I set up my emergency fund as a "debt" so I could continue with gazelle intensity of funding it. Good luck!!!

[@AjaDang]

A larger savings account is a good thing! You'll be thankful you have it during this time and once this start to pick up again.