I Went Into Credit Card Debt Becoming A YouTuber... (episode 2) // MY CREDIT CARD DEBT STORY

It's here! Episode 2 in my journey to becoming a full-time KZbinr. And today... well we're talking all about my credit card debt story. This isn't something that I'm proud of. Honestly, if I could do it all again, I would have stayed in my full-time position longer to avoid building up credit card debt. But I wanted to share my story and my experience to help you guys not make the same mistakes I made 💕
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Sharing KZbin tips to help you grow your KZbin channel faster than you thought possible!

[@CathrinManning]

I seriously can't believe I'm sharing this with you guys 😳 But I wanted to share my story and experience to hopefully stop you guys from making the same mistake! 💕

[@MarkWillmore]

You're a great motivation for all new youtubers!

[@Tillymj]

Thank you for being so honest and genuine! You are so brave and I hope things sort out for you soon 🥺❤️

[@Srilekhaxo]

Thank u! And love u so much 💛

[@londonsweeneyboy]

Your honesty will help others, it’s great you shared this 🙏👍

[@ChloeMadeleinee]

Love you being more honest then you normally are

[@magickaldust1213]

You are not the first person that put themself into debt becoming a KZbinr but you *are* the first person I have seen be honest about it.

[@CathrinManning]

I really want to discourage any other KZbinrs or aspiring KZbinrs from making the same mistakes I made. If I could go back I wouldn't have gone full-time with my brand so soon. But at the end of the day, I know it all happened for a reason

[@lenapetrova]

Very true! I haven't seen this shared before.

[@TheCupidoClan]

Very true. Few people do that

[@auroreamiami]

@@CathrinManning It all happened for a reason for sure, but it may not work as well for everyone, so that's very smart of you to make that video to remind people to be careful

[@NicoleMinabe]

Yes preach!!! Love how straight forward and honest Catherin is with her youtube community :)

[@brooksbeautybar4764]

When she started crying and saying I was sick and tired of living a broke life woooo girl I felt that. That’s how I feel at this very moment trying to find job after job so I can get by😩

[@brigeePM]

You can do it girly I believe in you!!

[@desirerue21]

I know you can do it too! I hope things are better for you! Stay blessed (:

[@BossGarage]

*Suggestion for new videos:* - What expenses do you have running a business (as a youtuber) - What did you learn in the mastermind group - What you applied in your business I think it would help us see your pov and have some ideas for our business. Thank you

[@risingvibes11]

Good ideas!! 💡 👍

[@sandrajewitt6050]

She likely has software subscriptions to start with.

[@therndcouple]

+1 to the first question u suggested!!

[@andrzejdelis]

+1 to all of those questions and one more from me: - Collaboration with other KZbinrs like the LIVE with Nick Nimmin, is it in your future plans and why YES or NOT?

[@JustinVConroy]

"You need to spend money to make money" is such a dangerous mindset. I'm glad you figured out the fallacy in that line of thought. And... although it isn't a great place to be - hitting rock bottom with money is a place that people NEED sometimes to get a good kick in the butt to fix their stuff. I'm not glad that you had to go through it, but I'm glad it triggered the right changes in your life.

[@MarzellCrypto]

Words of truth! I often hear people asking me how much you need to start a business.. the answer is often £0

[@soumyashubha]

Truly an exceptionally dangerous and gruelling statement to fit your life into

[@catsakae1430]

The phrase is supposed to be about investing. Not "living your best life" and that's why it's dangerous cause people twist it to make it fit their agenda

[@JRskatrPvP]

@@catsakae1430 Exactly.. with investing you literally have to spend money to make money lol. You don't get stocks, bonds, or whatever for free! ;)

[@hopegorman2013]

Yes, a kick in the butt does wonders! I learned the hard way (40k in debt) but now going into my 30s I am great with money and frugal!!!

[@livingStyle]

To those who are reading this, I wish you all the success and happiness. Be kind and respect to one another.

[@studyhelperdeva]

Thanks buddy

[@jedahdecors]

Thank you

[@themostcraftynurse3914]

Living Style Productions thank you

[@MSTAMRO_Organic_Skincare]

Thank you and wish you all the best.

[@RobertoBlake]

Great message. I wish when I was younger someone said: Credit Good ... Debt Bad.

[@JMWilyat]

Same.

[@deficator750]

Isnt that like commonsense though

[@shippingagency7490]

Legit?? I brought a cc from *Ericroboti* on telegram the best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps

[@maggyxchuu]

Both my parents and my best friend have reinforced the mentality: treat your credit card like a debit card. Don’t spend money that you don’t have readily available. And always ALWAYS have a solid minimum in your checking account. Never EVER pay the “minimum amount due” on a credit card bill. To keep your credit score high always pay in FULL and EARLY. I love your honesty and transparency in this video!

[@CathrinManning]

That's the best way to look at them! I love that!

[@Ellary_Rosewood]

I did that at first with my credit cards, but after getting laid off from my job four months ago and having ZERO income this entire time, I now have some serious debt. It really sucks and every month it gets worse and worse... 😢

[@lenapetrova]

100%

[@MarzellCrypto]

That’s great! You are the 20%.. the other 80% name MasterCard and visa their billions

[@MarzellCrypto]

Ellary Rose Illustrations it can become a bit of a hole and chasing those min payments !

[@Hinshawlizzy]

Thank you so much for sharing your story! Not everything is sunshine and rainbows and your honesty on the subject is so so helpful.

[@pnaugrigio1]

Can you speak more about the “expenses” you had? And possibly discuss some concrete ways around the whole “spend money to make money” concept. Like creative ways to get around these expense levels if possible.

[@aprofessionaldaydreamer7825]

French here, the whole american credit card thing sounds insane to me like... I can't imagine having a card with money that isn't money I made on it and using it to build 'credit' or whatever it's called. Idk, I don't think I even understand the logic of it because our system is so much more "simple"...

[@mureetnoisettes]

Same ! Our system is so different !

[@ArtbyAtlas]

What is the French money system like, if you guys don't have credit??? My American mind cannot imagine it lol

[@1hundred45]

@@ArtbyAtlas right?! What could it be?

[@aprofessionaldaydreamer7825]

@@ArtbyAtlas well, i'm not an expert by any mean but we have cards which only give us access to our own money and if we need more for big things like buying a house, we negociate a loan with our bank? Most of us have one card and one bank account, we don't have to take credits or loans or whatever in our entire life if we don't want/need to. Idk i feel like in America, you are encourage to spend money you don't have (and pay for it with your own money) and it irks me to even just think about it.

[@auroreamiami]

I'm a 100% super interested into credit card. French too, but living in the US, and if you treat them like debit cards, you actually collect points to travel with (or cash back depending on what you prefer), and you can only spend what you have to spend anyway, like health insurance, groceries, bills. So it can be very rewarding without costing a cent to you, if you treat them like debit and pay it in full before the due date. I love credit cards for that reason, I travel for free since I'm living in the US, and I will not like to go back to regular french debit cards which usually come with a small monthly fee. In the US, you only have fees if you don't pay your balance in full, otherwise, it's win win.

[@MillaExplores]

I love how transparent you are with your finances. I wish more people would talk more openly about money, finance issues and all that stuff, but at the same time I understand that some aren't comfortable sharing so much. You really are a great motivation!

[@NatashaIbrahim]

Love your transparency Cathrin! Thank you for sharing this, being a KZbin is hard work and you have to make a lot of sacrifices. I’ve been working on KZbin for almost 2 years and haven’t made any income from it yet. I just started working full time while still doing KZbin and other projects on the same scale as when I was doing it full time. It. Is. Hard. BUT worth it! I’m growing faster now and hoping in a year I’ll be able to really make KZbin my job. Thank you for sharing your story, you’re not alone ❤️❤️

[@simplidished1710]

Cathrin thank you for being so open in sharing this and showing your vulnerability. This video had me tearing up honestly because I can relate to it as I build my brand as well on social media and try to provide for my family. Life happens and it's truly about picking ourselves back up when we are knocked down. I enjoy your videos and have been watching you for awhile and recommend you to my group of ladies who are pursuing their dreams. Been here since you where at 5K whole heartedly excited to see you grow your channel. You have encouraged me to finally get over my fears and go all in on KZbin for my fitness and plant based recipes and my health social media agency. Keep up the great work and keep showing all of yourself on YOU tube. Rooting for you girl!!!!

[@MeredithPhillipsWrites]

Oh, I so love this. We need to talk about money and debt and all that kind of stuff more often!! I had great examples of careful financial decisions growing up as well as examples of bad decisions, both of which have helped me as an adult to be super careful with credit cards and debt. Thank you for sharing this!

[@nuviachahin6134]

When I first started my channel, I also went into debt purchasing all my gear, but as I am coming closer to monetization (I am only missing half of the mandatory watch hours) I am turning a bad thing, into something good 💕 PS. I was able to pay my debt because I am still working a FULL-TIME job.

[@LewisBrain]

I have been doing it a month and have had to have a new laptop and camera. But got tax rebate so used half on my card and half for my camera.

[@roi_shternin]

Thank you for your honesty. People think all you tubers are rich. It’s important to learn what it takes to make it witch is diligence, perseveranceand hard work. I’ve been exactly where you were, losing 10 years of work due to illness, finally paying off my debt and working on creating a sustainable business.

[@SarahBispy]

I love how transparent you are with your audience! I have always been terrified of the mindset of "you gotta spend money to make money" Sadly (but fortunately?) I am very doubtful and always think of the worst possible scenario, which many times holds me back from taking certain leaps of faith. I'm glad KZbin is paying off for you though! SO FREAKING CLOSE TO 200K - I am so proud of you!!

[@NicoleMinabe]

You got this and dont doubt yourself. That's self sabotage and many people are capable of a lot of things and they have no idea until you at least try :)

[@GirlGoneGaming]

The way she describes the phrase, and how she thought of it, is not the way the phrase "you gotta spend money to make money" is meant to be taken. Basically, it's meant for investing in your business. Depending on the business, there are things you're going to have to pay for. Like, if you need physical space, you're going to have to rent a space. Online businesses make it easier because you can often run them out of your home, but you need to have internet in order to run an online business - so that's something that you always have to pay for. It's not at all about living the life you want before you can afford it. It's not necessarily about manifesting or anything. It's simply - you're going to have expenses in running a business that you can't get away from. And the bigger you build your business, the more expenses you will have. But the idea is to never have expenses that exceed your profits - then you're just in the red and one really bad month or two from just shutting down.

[@alajode]

Wow, this must have been hard to make and share. I talk very openly about money on my channel, but I would have been super nervous to show this level of vulnerability. Fortunately, I've never gotten into any situation like this - I don't think my business bank account even has an overdraft or credit option! - but I could totally relate to the impatience of knowing what you want/don't want and wanting to act on impulse. I think it's something many creators and entrepreneurs have in common! I've been watching your videos since you had ~200 subs because you were the only creator I could found who also talked about blogging, and I've always had a feeling there was something driving that fire in you. The timings in this story make so much sense and correlate so perfectly to your visibly increasing drive and determination. I'm really glad it all worked out for you and you were able to use the situation to drive you to such success!

[@schuey323]

I can't explain in words how thankful I am for your channel. I've been consuming KZbin content for years. Never did I have enough motivation to actually start creating until I found this channel. You have a way of motivating me... I end up going to my camera right after watching your videos and creating stuff. Thank you for getting me off the couch. Thank you.

[@roseemich]

i grew up not knowing anything about money or debt and growing up all i heard from adults were “you have to get a cc to build a credit score.” we recently started our debt free journey and are planning to be debt free before 2021 comes. Thanks for this video and for being open about it! Money needs to be talked about more since this was something we never learned in school growing up

[@indiamichellewarren]

This video was truly amazing and was something I really needed right now. Thank you for always being honest, open and vulnerable with your viewers. Finances are a topic that so many influencers and youtubers shy away from, but it is a subject matter that all of us deal with and have struggled with at some point in our life. I have always found your videos so inspiring. So to know that behind the scenes that you were dealing with struggles that were similar to mine shows that there isn't really a huge divide, that I am not alone, and that people I look up to could also be struggling. I'm so glad that you made your way out of it and that you were brave enough to share your story. ❤️

[@helloitsmary14]

If there’s a struggle there is a success. You’re a strong woman Cathrin . 💪🏼🦸🏼‍♀️

[@leticiaxo7000]

Honestly I love love love, you as a KZbinr and as an individual, the transparency you show to this platform is amazing and also very appreciated. I’ve felt like joining the KZbin world for a minute now I’m just gathering information beforehand as well so I’m prepared in a sense. 99% of my notes come from you and I solidly believe your tips will come in VERY handy for me. So thank you for being on this platform! You’re definitely helping people! 💕

[@RileeJefferson]

You are so much apart of the reason I love youtube. You are the reason I started my channel and your transparency constantly renews my love for this platform. Thank you so much for sharing and I'll see you on Tuesday! lol

[@TealandTattered]

Thank you so much for sharing your story Cathrin. It must have take so much courage to be this transparent, and I just wanted to say how much I appreciate it and how much your video meant for me. I am at the point where I'm working half time in a corporate job (to be able to pay my bills and taxes) and half time working on developing my own business. I have been wanting to go full time with my own business but the thing you said - that you went with yours full time a bit too early - really got me thinking. And although I dislike my corporate job, it is what keeps me going for now, so I'm going to stick with it for a bit longer. Thank you again for sharing your story. Hugs, Martyna

[@myediblelogic229]

Thank you so much for sharing it this will prevent many of us in doing the same mistake . You're brave to be sharing this

[@karla_zero]

Thank you for opening up and sharing your story! 💛I know it wasn't easy but I'm sure it'll help a ton of people, including myself, to keep going on their journey, and knowing that you can overcome any struggles on your way to success! Many hugs! 💛

[@JoanneWetzel]

Girl, I hear you. I am in the stage right now where I'm building my brand and spending money each month just to pay for all of my services to keep the business running. Income has been inconsistent, but fortunately, I haven't yet had to rely on a credit card. Thanks for sharing your story and being honest. This is one of my favorite videos from you for being so raw. Keep going and best of luck! Joanne

[@MillennialGirlfriend]

I really appreciate how raw and transparent you were on this vlog. I was on credit card debt myself and it took a money podcast for me to turn my life around. You just really need that point of realisation. I really like your vlogs!! I have just started youtube recently and have been learning a lot from you ❤

[@Anonymousco.]

Wow! This is what I love about your channel Cathrin, your honest which is why I continue watching! Thank you so much for every video you post. Helps me a ton!

[@actionfigurestory3347]

Your honesty in all your videos is so refreshing. Thank you for sharing your story with us. It’s also a reminder that no matter how bad things get, you can turn things around.

[@suemew]

OMG! Can't wait to watch this. Knowing that even a successful youtuber like you had a difficult start is a huge confidence boost for all of us. Thank you Cathrin!

[@CathrinManning]

It's so important to remember that we all start from 0! It hasn't always been easy for me to grow my channel and my brand... and to say the least, I'm not proud of how much debt I built up trying to grow my brand. I'm just happy to say I paid it all off and it's only up from here 🤗

[@suemew]

@@CathrinManning Thanks for being so open about this!! It's so awesome to see all your hardwork and investment paid off in the end. Such an inspitation❤

[@nabodimma]

I love how you are really open about this. Sharing struggles is not easy at all so thank you for this❤️

[@Pantaro2007]

as someone who is pretty obsessed with financial independence the first half of this video made my head spin,but the video is kinda beautiful at the same time. when you had that breakthrough moment and that light bulb goes off,it's truly beautiful when people have that. I loved how honest and real you were about it all. The thing is most of our education in schools trains us better to be wage slaves and do what we are told than it is to teach us how to manage our money or how to attain financial independence. your nightmare was credit card debt mine has been my living situation for the past couple years. thank you for sharing your moment!

[@alejandramcree9842]

Thank you Cathrin for sharing this! Don't ever be ashamed for your journey babe! NEVER! You are going through this and you learned your lesson. That's what it really comes down to. A lesson to learn. I love you beautiful! I love the new open content you're bringing! keep it coming :)

[@lilricky94]

Girrrrllll!!! I need to tell you that you are one of the realest people ever. I connect with your story so much. I have put myself time and time again in debt for things that I don’t even need. Whatever it may be I believe that I needed it in that moment. I invested in new equipment and all for KZbin. It Drove me nuts. I thought I was the only one. Thank you for your story

[@DavidNipps]

Your ability to get vulnerable on video is inspiring. So grateful to be along your journey!

[@GardeningInCanada]

At 15:00 I just resonated with Catherin. I doubt you’ll see this comment but the whole not spending on yourself because you don’t think your worth it is huge. I just started hustling on my channel because of you honestly. You were an inspiration for the reboot. I just recently was monetized three days ago & I’m made a total of $13 dollars. I know this money should go towards debt & fixing the damage done. But instead I’m going to use some of that money to get myself something. I have a gardening channel so even getting something for myself for the gardening channel would we a great middle road. I’ve realized you can’t keep slamming yourself down because it’s not helpful to you, your business or your debt oddly enough. Honestly Thanks you! & if you ever need gardening tips (I know you love gardening too) hit me up. Cheers from Canada - Ashley

[@Kruftisg]

😭 for the longest time. I feel like getting to 1k and wanting to be monetized. Feels forever!

[@GardeningInCanada]

Krufti sg I know it took me four years... but the good news is that once I started really focusing I ended up gaining a thousand subs a month

[@EricxYi]

I love that you're so raw and honest with us! But honestly the thing that makes me keep coming back for more is learning through your experiences. Feel like the stuff you talk about are universal to everyone, not just youtubers, so it's refreshing to listen to a truly honest story and how you grew from it 😊

[@21Virtues]

The biggest take away is this, you are an inspiration that proves it can be done even when it seems dark. Outstanding.

[@brockmorrell]

Congratulations Cathrin, getting rid of the credit card debt is an amazing story! Thanks for sharing!

[@michellerevisited]

Thank you so much for your vulnerability and honesty! Fear and shame are big reasons that people get themselves into situations like that in the first place. It's so helpful that you are open about this journey because it's not always easy and it's not helpful to pretend like it is. Thanks again!

[@juliannenichole]

We recently paid off $12,000 and it feels so good! I completely understand feeling ashamed, I did too. Love your honesty!

[@risingvibes11]

That's awesome!!✨ Congrats!!👏 👏

[@brigeePM]

I love how real you are Cathrin, it’s really inspiring to see people’s ups and downs with KZbin and brand building instead of painting a perfect unrealistic picture

[@TimeTraveler2020]

thanks for making such an emotional yet informative video and for those who have suffered horrors of debt knows it. but the most important part of this video is that where you expressed your regret and sorrow for not being with your sister when she really needed you, that feeling and tears of yours have made you an extraordinary and special person at least in my view. Your a very nice and sensitive person and the power of care and feelings for others is making you special and make you outstand others, huge Respect for you girl

[@jasondillon2567]

I just want to thank you, because you've shown me in a few short videos to be REAL with my audience. I am taking that to heart moving forward. We all have a meaningful story to tell.

[@christyburuin7863]

This series is beautiful Cathrin. I felt like I was really able to connect with you during it and I have only been watching you this week. I'm sure you don't need to hear this but just in case that you do... you deserve to be exactly where you are and I wish you all the best. Thank you so much for being an inspiration.

[@GearHead704]

Thanks for sharing your story. I know it's hard but it will help. Also congrats on 7 years together! My wife and I went into a similar amount of debt when we moved to Hoboken so I can relate. We've been together 21 years and I can identify with this.

[@motherhoodinprogress]

Credit cards can be so scary because it's just so easy to get yourself buried so fast. I'm glad you shared your story.

[@OlgaPogozheva]

There is one thing my parents taught me well: never get into debt. And definitely do not take bank loans - it was a TABOO in our family (and many other Soviet families, too - we were used to NOT trusting any governmental and private organizations). Also - never borrow anything from anyone. And I'm living up to this rule to date, hopefully I'll never have to break it. It's a bad practice. Learn to count on yourself only, it will make your life so much easier and make you a tougher person, too. Best of luck!

[@CathrinManning]

Yes yes yes! This is so so important! It's a slippery slope once you get started

[@itsjessimaee]

@@CathrinManning PREACH bankruptcy is one hell of a thing too.

[@OlgaPogozheva]

@@CathrinManning thank you for that emotional story about your sister. This is exactly my motivation of keeping doing what I do, exhausting myself and pushing myself to do the impossible. I'm from a poor family; I'm now considered to be "the richest" member in our united families (both in my and my husband's). My in-laws borrow money from me all the time, and I never say no. My parents need help, and my syster, and my nieces and nephews... and noone more than my own kids. My boys have everything that they need, but I can't relax and breathe out. Because honestly - I don't know what will happen to them once I die. They are autistic. And parents of kids with special needs with understand me - it's a constant fear WHAT WILL HAPPEN TO MY KIDS WHEN I DIE. They might never grow up to be independent, and I have to make sure I'll make the paths as smooth as I can for them, leaving the rest for God. But it IS a motivation. I NEED to earn more. Now; here is a sincere story for a sincere story... Thank you, Cathrin.

[@NicoleMinabe]

Completely agree, if you don't need to take out loans dont do it. Learning to count on yourself and not be dependent on others to support you financially is really really important.

[@wishingfortwins]

I didn't realize you were with Alex throughout this whole journey. So sweet, he's very supportive and lets you be you. 💕💕

[@micaharchive]

Thank you for sharing this less glamorous side of your journey as an entrepreneur. I have been subscribed since you were around 30,000 and seeing your monthly income reports since then, I definitely wouldn't have thought that debt was any kind of issue for you. The road to financial freedom on your own terms is definitely bumpy but I am glad you made it to this point ❤

[@MarzellCrypto]

It is very refreshing to watch a YTer like C!

[@lauraexplores8784]

Wow. Kudos to you for putting this out there! Real, honest and could help so many people! That concept "spend money to make money" is something that's been running in my head lately too but thanks to this video I'm going to take a lot more care over that and make sure not to spend what I don't have!

[@inlivingfaith2924]

The transparency in this video is so refreshing! We all make mistakes but it’s all about how we repair them. Thank you for this awesome video!

[@RomneyRanjo]

Your dedication to really really build your brand is just plain inspiring huhuhu

[@Financialdemics]

Love your transparency. I know you said you were ashamed but you made a plan, you stuck to it and you paid off your debt. That is what matters, you learned from your mistakes and made it a lesson.

[@LindseyBrooke]

I just freakin' love you, Cathrin! Thanks for opening up about this. No one here is judging you - I think the fact that you were able to pay off your debt and go through that means that you can help other people prevent that and what a cool gift. Everything in life happens for us.. even when we make mistakes. & I still struggle battling that mindset of "spending money to make money" because I always want to do what is smart. However, when I purchased a new MacBook back in.. may I think? I spent ALL my money I had in my bank account to buy it and now I'm able to make more money each month editing for clients & growing my tiny KZbin channel. haha Anyway thanks for sharing! We are all such big fans of your ability to open up and be genuine! 💕 looking forward to the next one!

[@HealthOrigins]

A few years ago I also racked up quite a lot of credit card debt so I totally understand your experience of juggling between credit cards with 0% interest. It can totally work IF... you stop any further spending on all your credit cards. Which I know it's not easy to do when you don't have enough income coming in to support yourself. I am so glad you got yourself out of credit card debt and stable financially - you must feel so relieved! ❤️ I remember it felt so good when I paid off my last credit card debt. Now, if I ever spend on my credit card, it's strategic spending for say a course or our property investment, but I make sure I set up a definite plan to pay it back within the 0% time frame and I set up a direct debit with the bank for the required amount every month. Your advice not to jump into your passion project too soon and your experience regarding this is so valuable - it makes sense to give yourself some breathing space and not to put too much pressure on your passion project to make enough money for you early on. Thanks for sharing your story with us Cathrin! 🙏❤️

[@CatFamOfficial]

Thank you for sharing your story in such an honest and vulnerable way. I’ve struggled with the same issue and it’s easy to feel isolated and embarrassed. I believe open communication such as yours is key to removing the stigma surrounding financial issues.

[@soumyashubha]

I have been following you for quite sometime. Most of your videos inspire me and I have taken up creating a channel for myself, something that I wanted to do for a long time now, simply by looking at the passion you have for your brand and getting it big. I really feel that you need to get a jolt in your life and a point of no return to get the best out of you. Thank you for sharing this lovely video and the many others before this. Please keep on posting beautiful content

[@AdamJBell]

Definitely so inspiring for all of us trying to make the dream come true too ! Thanks for sharing this Cathrin 💯

[@onebraincellleft2563]

Dave Ramsay would have a heart attack reading this title lmao

[@DannaMMiller]

I was thinking the SAME thing LOL

[@NickFaulkner]

He would...

[@LovelifeJesusdaily]

He would do Ramsey rant

[@andrzejdelis]

I wish I could shout out: I'm a debt free!!!🙂

[@CalebBaleFinance]

Holy crap, your story is the reason I want to help people as a financial coach and the reason I started a channel for it. Thanks for sharing. You are part of the reason I started on KZbin!

[@RyRobio]

Thank you for sharing this story. That opening point with your sister resonated with me along with the other mistakes of having a credit card. Taking that leap of faith and going to the mastermind is incredible. You rock Cathryn! ✨✨

[@diariesofadigitalconsultan9518]

Thank you so much for being so open about this topic. Made me able to understand the perspective of someone who got into that much dept. Congrats on making it out of there!! 💕

[@galaxy_rae]

I also went into debt with the loa/manifestation thing. Thats why I'm in the debt I'm in now. I realized now that manifestation has NOTHING TO DO WITH SPENDING MONEY. It's simply about the mind. Nice to hear you have the same experience. 💖

[@QuesttoFIRE]

I really do appreciate the transparency and vulnerability you shared in this video!! I too am working my way out of debt on my channel, but the goal for me isn’t solely becoming debt free, it’s becoming financially independent- never *having* to work for money again! 💪🏻🙌🏻🔥

[@Sooz3112]

Such a great video. Thank you. I have had a very similar experience. My business start up cost me so much money. Accountancy fees, website fees, business insurance fees....it all adds up and when you're just starting out - you find that your 'fees' cost more than what you make in business in the early days. Long term, those fees will become more insignificant - but at the start, it's a LOT of money. I've heard the 'speculate to accumulate' motto too...which can be true but I think there comes a time when you just have to realise you have to STOP buying so much stuff and work with what you have already got x

[@katiemaria3560]

I am soo incredibly proud of this video. one, for you...because of all your efforts! and two, because entrepreneurs work, and work HARD! and I see your success and NOW 100% realize that you needed to work super hard to get here. I didn't realize that THIS was your journey but SOOO DAMN PROUD OF YOU!! from one creative entrepreneur to another...I AM SOOO INCREDIBLY HAPPY and proud that you decided to share this story! It was much needed for someone like me 💕

[@tracytracyWM]

I’m soo glad you are clear of this debt now. Thank you for sharing this. Your channel is so necessary right now!

[@jeannelle_]

Omg, you are so real & that's why we love you!! Talking about your experiences makes us feel like we're not alone! We appreciate you for sharing your personal debt journey!! Also, props to your husband for being there for you!!!

[@Jennifooclay]

Goodness gracious, you are so strong for taking the leap of faith for your sister and how you honestly was able to put yourself together each day to keep striving forward is more is honestly inspiring. Thanks for sharing your story.

[@MakalaDiggs]

Credit card debt is no joke! Not enough people talk about it. I went into credit card debt and it wasn't even for something like a business or KZbin. I also started out just wanting to use my card for gas to build credit then the impulse buying started. Thanks so much for sharing! Love to see stuff like this talked about

[@SeansMagicalOdyssey]

Thank you so much for sharing this story with us Cathrin. I am struggling with a little credit card debt myself and this is something I am really thinking about. I don't want to live a cash strapped life. By sharing this story you show us that you are venerable and just a human being like we are and it is ok to mess up. It is how you pick up the pieces and move forward that counts at the end of the day. We all adore you!!

[@Christttxo]

I love you for this Cathrin! I’m a recent college grad and within 8 months I went from making $400 a month to over five figures a month, paid off my $8000 credit card debt and car and I feel so free and happy! You have inspired me to want to start KZbin but I’m also a bit timid, but I know this is my next venture! ❤️ Thank you for sharing your story and continuing to be relatable!

[@forevergwladys]

Thanks for sharing, Cathrin! We appreciate the transparency!

[@BrendanEvan]

Glad you’re using your platform to talk about CC debt. We need to discuss this kind of thing more often and learn how to avoid high interest debt!

[@davidlabbe8595]

The journey you've been through has brought you to the success you have today. Hindsight always has 20/20 vision , right?! LoL. Love what you do. You're inspiring. With enough hustle and grind and the right direction, we can all win. Youve proven that we can all do this! Thats epic! Love your authenticity. Keep being awesome

[@JesseMunozCompaChuy]

Just finished watching your video......it helps me alot because Im also trying to get out of debt....we are headed in the right direction little by little

[@howaud]

Thank you so much for being so honest!! ❤️😭 I found your channel right when you started and I’m so happy for your success and that you’ve remained so open and transparent!

[@LittleIslandPhilippines]

I subscribed your channel because of your honesty, thank you for this video. You inspired many people that are scared to talk about this topic you’d shared. You’re brave and hoping you’ll get through . You got this.

[@NicoleMinabe]

Thank you for being so honest, upfront and transparent with your youtube community. Going through those struggles were definitely tough at the time it happened but it's definitely a huge teaching and learning lesson. We can't be ashamed of what happened to us in our past, we just have to learn from it and change to do better :)

[@quantumbat]

thank you so much for sharing your journey. I'm about where you were with choosing to only spend money on expenses related to content creation. I got fired unexpectedly in January 2021 from a well-paying yet toxic workplace environment & am now pursuing my dreams as a full-time content creator. my husband has been so supportive but I'm ready to be 100% self-sufficient. hearing your story gives me hope!

[@TheChaosDiaries]

Thank you for such open and honest videos ♥ It must be difficult to upload things like this but just know how appreciated it is for baby KZbinrs like us!

[@thepumpkinfiles]

I started my youtube channel like 2 months ago and it's so hard to battle between creating your brand and dedicating your time to it, and having to work a full-time job. Your point of view is great and it encourages me to not pull the trigger too soon. Thanks for sharing your story and for being so brave.

[@JennChiulifestyle]

Thank you as always for being so honest, for small KZbinrs like me starting out this is so helpful to know!!

[@homesbyamina]

Thanks for sharing! It’s honestly hard to watch this because it seems like you feel guilty and punish yourself for having that debt. It’s life. It happens . We live and we learn! Focus on increasing income and limiting debt . Nothing to be ashamed of, just crush it!

[@ThePaperbackFairy]

Thank you so much for sharing Catherin. It takes a lot of courage to tell your story and be so vulnerable on camera, thank you for showing this side of you. Also thank you in advance for giving the kick in the butt I need to rethink my finances because now I see how easy it is to slip into debt.

[@SmashPlayz]

It takes a lot of courage to share this and I'm glad you're out of debt now. I got into a lot of debt running an online retail business for a number of years and I'm still trying to clear this up. I made a lot of progress but I still have a long way to go.

[@StephanieJoRountree]

Thanks for being so transparent, Chathrin! Yeah, cc debt is no fun. I've been debt free/mortage free for a few years now. I sleep SO much better. I'm a numbers person, and I remember dreaming about all the dates when I had to make payments. It was truly like a nightmare for years. I'm so thankful to be out of that visious cycle.

[@TheEmpress3]

Don't be scared to share your story. External validation doesn't make it any less true to your journey. Your amazing because you learned from your mistakes. Thank you so much for being so real. ♥

[@reprogramyourself2708]

Thank you for sharing. I think so many ppl can relate to your story . I love your honesty .

[@shelbykayreeder]

I appreciate how open you are being. I am on a credit card debt journey as well. I needed this! :)

[@DrHongsPharmacyClassroom]

Hi Cath, I don't know if you will see this message. But I want to tell you that your story of growing your brand and business is really inspiring. I know you blog or used to blog, you should consider writing a memoir in the near future. I am sure a lot of people would like to read it! Keep up the good work!

[@kaymarie8891]

One of the things I appreciate from your videos is your honesty. Thank you 🙏 ❤️🤗!

[@jorgebarrientoscoach]

Thanx for sharing your personal story... It got me and moved my soul. Have been there...Still there a bit - and love your sister and your love for her. It really shows a lot that you wanted to be with her in those tough moments. Not every sibling is like that. Cheers !

[@rebeccasophiec]

Thanks for being so honest with all of this!! Really great to hear your story and progress, and how far you've come!!

[@TheMichelleBooth]

Your honesty is so refreshing and helpful! I've also found myself in credit card debt in the past and know what a struggle it can be. Thanks again for sharing another part of your story.

[@slkropp]

Thanks for sharing this. It definitely could not have been easy but it’s definitely an important lesson that everyone should take note of, including myself.