DEBT UPDATE | October 2024

[@rileykgardner]

One more thing. First thing is to save up $1000 for emergencies before anything else. Then you pay in cash for future emergencies.

[@ElmerPonceCastro]

Yeah, no. At least three months worth of income is the way to do it. Takes a bit of sacrifice but it will be worth it in the end.

[@rileykgardner]

@ Yes. Correct. But $1000 emergency fund is to pay for any small things come while getting out of debt. Once debt free then save up the real emergency fund.

[@mamabluray3343]

You got this girl! ❤

[@XenomorphLV426]

Happy Halloween 🎃

[@mamabluray3343]

@ - thankyou, you too!

[@TheChrisChannel]

Sue, I am soooo rooting for you. You should look into getting another card with a 0% interest APR to balance transfer so you don’t have to pay all that interest. I did that with a few cards of mine and saved a ton. YOU GOT THIS!!!! You go girl!!!! ❤❤❤

[@caseysager655]

Or go to one of those places that consolidates all your debt into one payment at a lower APR.

[@TheChrisChannel]

@ Nooo… I wouldn’t recommend doing that. The creditors will never stop calling her because they make her accounts all past due. She is better off either paying it off herself, doing what I suggested or try settling with them directly.

[@caseysager655]

@@TheChrisChannel I agree with the balance transfer, as long as you can pay it off in the alotted time and don't let the APR kick in. I never had huge CC debt, but starting out when I was living check to check I got into living CC payment to CC payment. Basically paying off the CC at the end of the month but then having to use the CC to live, it definitely sucked.

[@TheChrisChannel]

@ Awww, yes I completely understand and I am sorry. Debt is just never a fun thing… ever.

[@slate49]

If she can get 0% interest by shifting her credit cards to another company would be HUGE in cutting her debt right away. That saves her thousands of bucks instantly..even if the 0% is 12-24 months, she will make a huge dent in the card payments by eliminating interest

[@sprcrzy110]

You're debt stacking! I'm really happy for you and we have your back. You got this Sue!

[@MoviesSue]

Yay! Thank you!

[@WorldMoneyWins]

You are doing great, and INSPIRING a lot of people in the process. When you succeed, people will be able to seek out your journey and see that THEY can do it too!

[@muaddibnelson]

You got this, Sue! I love how open and transparent you are with us!

[@JWUniverse]

Awesome progress Sue I agree I’m paying off 3 Medical Bills luckily there only 200 each not bad there. My Credit Card is almost 700! My old AT&T Bill i knocked that down to 5K. That was more of the Pandemic effect there!

[@MoviesSue]

Good luck in your debt journey!

[@wlgeiger]

I LOVE your transparency and your point that one solution is not a one size fits all solution. I have found for me that also sending a small amount weekly makes a HUGE difference. It doesn't seem like it would but even $10 a week or $25 a week reduces the daily interested rate on the credit card so it has a larger impact then sending $40 or $100 once a month. Plus it just stings less when you submit the payment in smaller amounts. This also works for house payments and can shave years off of a home loan without paying more money!

[@MoviesSue]

Thanks for the idea!

[@mateo3479]

Great advice sue. I love your passion. I believe if you have this you can conquer anything ❤

[@MoviesSue]

Yes! Thank you!

[@jasonbarrett1143]

We are with you all the way. Keep going.

[@MoviesSue]

I appreciate that!

[@willnoiles2001]

You go, girl! Congratulations, @Movies&Sue.

[@rileykgardner]

Way to go. Keep it up. I am starting my journey Nov 1st for my buying freeze. There were a few things I wanted to order that became available today. I feel it’s easier for you to freeze buying since the studios and others send you releases. For me it’s all on my own self control and will power. But I want to be debt free and I have to make changes. This weekends project is to get the budget up to date so I can see where I am at. Again you’re inspiring and motivating me.

[@MoviesSue]

You can do it!

[@StanleyMancil]

congratz on your progress

[@MoviesSue]

Thank you!

[@RipleyE-we1hj]

Just keep doing what you're doing, Sue! You can do this!

[@MoviesSue]

Thank you!

[@RipleyE-we1hj]

@MoviesSue You're welcome!!👍

[@EvolvedAura]

Congratulations on the progress and to that darn hospital bill being paid off! 😊 Your dedication for this is inspiring even to me. I recently paid off my debts that I spoke of some comments ago very early (no interest as I was on time and was just payment plans). I just wanted it to not be sticking to me anymore 😎 So thank you for the motivation! Keep up the awesome work on your end ❤️ I don’t usually comment much on videos. Very rarely at least but I want to show love and support to you even if it’s small, haha.

[@MoviesSue]

I appreciated it, thank you!

[@DodgersNation949]

Congrats ! You can do it I know credit card are easy to use but when us need paid off it’s stressful!

[@MyFireVideos]

Way to go, Sue! You make me want to do better. Keep it up!

[@mattchamberlain3005]

Really happy for your progress so far, congratulations 🥳

[@MoviesSue]

Thank you so much!!

[@steely666]

You're on the right path. Well done.

[@JosephGilmoresMovieNightLive]

Oh yeah congratulations on hitting 13K Subscribers

[@MoviesSue]

Thank you so much 😀

[@JosephGilmoresMovieNightLive]

@MoviesSue You're very welcome

[@lisastevens3376]

You just continue paying off this debt one step at a time. I did this to save spending money on movies I was unsure would be good or not, checking out movies from the library or even tv series also. I only purchase movies or shows that I'm sure I love or have loved when I watched on tv. Anything new I would check it out the Library especially if It's new, the older movies get scratched up by people and doesn't work well with my DVD player.

[@jamieelfers3151]

To be honest, you should be paying the minimum on each credit card and then putting the extra money to the card with the highest interest rate...not to the card with the lowest balance. (Unless your lowest balance has the highest rate)

[@jam237]

Good job Sue your vibes are amazing.

[@MoviesSue]

Thank you so much!

[@marvinchaires4139]

You can do it!You ARE doing it c:

[@arparghi]

I love your strategy,its a very mature one !!!

[@HECTORMONTALVO-le9cn]

Patience Sue we are only humans!🙏

[@doublefeaturepodcast]

Great job, Sue!!!! You got this!!!

[@mamabluray3343]

@@doublefeaturepodcast she really does , she made a plan that is doable, and she can do anything she sets her mind to , we are so proud of her

[@MoviesSue]

Thank you!!

[@davidbellinger372]

Very inspirational, Sue.

[@hippostyles6878]

You are so strong for sharing this I wish you love and support on your journey ❤️❤️❤️

[@MoviesSue]

Thank you so much!!

[@llcruize]

Definitely stick to what keeps you motivated. One thing I would recommend is don’t pocket that 200 from the hospital bill; put that toward your red CapOne or your BlueCapOne each month now (or split between the two).

[@MoviesSue]

That's exactly what I want to do! Sorry if I wasn't clear with my plan!

[@jeffkeeton4787]

It’s great you’re motivated.Keep it going. I only disagree with attacking the smaller bills first. I’d go after the biggest one. The bigger the balance the more the interest is negating you’re minimum payment. You’re barely impacting the actual balance. You do what’s best for you though. Stay positive!

[@kimberlyagostino2455]

Great work Sue!! Keep going ❤

[@GizParsons]

Well done, keep it up !.

[@MoviesSue]

Thanks, will do!

[@tianalovesmovies1570]

Happy Halloween 🎃 Sue, great up date girl.

[@shaneoleary9919]

You got this ❤❤❤❤

[@JosephGilmoresMovieNightLive]

You got this Sue

[@nikkix2896]

Great advice and it’s a tough road but I am doing my best.

[@MoviesSue]

You got this!

[@extofer]

Great to hear! Just keep at it. :)

[@joeriveracomedy]

I used credit for an emergency car on satutday, 1 month after paying off a lease. I got 1 nasty comment so far. So fun.

[@brunomachado7279]

Here in Brazil we have the terrible habit of paying everything in installments. 10, 12 installments. A very easy way to lose finantial control.

[@LuisMunoz-md4hk]

Love this

[@Darkcorestudio]

Happy Halloween guys 😈 it doesn't matter if you take a small step or a big one, every step counts and gets you ahead. You have started your journey on being debt free and all i can say is keep it going and you will be feeling better for it 💪

[@4Kmichelinstarmovies]

the best i did was to take out a Loan from the bank with a lower interst rate, at tleast you have one payment of X amount which allowed me to pay off bigger chunks rathan than a few pounds/Dollars mininum because the interest loop will keep you in debt. cut up the cards do not use them again. one

[@JosephGilmoresMovieNightLive]

Happy Halloween i hope you have an amazing & safe one

[@JohnH-j4g]

Keep chipping away at it 👍🏼

[@MoviesSue]

Will do!

[@slate49]

Congrats on the hospital bill being paid! 🎉

[@MoviesSue]

Thank you!

[@findlay1arches]

I'm really happy your working through this and rooting for you big time. I have a few questions. Is this debt all from buying physical media? And if so was it worth it? I think I know the answer to the second question but I'm just curious on your thoughts

[@MoviesSue]

I have 3 credit cards that are physical media debt. Not all worth it.

[@belladonnaphotography2160]

Best way to eliminate your date is to pay your minimum payment on all cards except the smallest one. Throw as much money as you can at the smallest debt til it’s paid off then move on to the next smallest and so on

[@MoviesSue]

Yes, that's the plan!

[@michaeldietz2648]

You should do a live stream once a week and people will probably tip you, I see a lot of other KZbinrs do that and they make out pretty good. You could talk to your fans live and talk about movie experiences.

[@MoviesSue]

I don't want my subscribers to donate to me, because it's my fault and I'm not looking for a hand out.

[@bigdadd09able]

That’s the Dave Ramsey method smallest to largest

[@patrickwilliams1801]

We all can learn from her or She can learn from some people here. Never use a credit card unless you have already made a payment to the credit card before the purchase.

[@Therazorschannel]

In a way you’re lucky you don’t own a home or have kids. Then you would be even more underwater than you are now. You need to find a way to pay $250 per week for two years just so you can move on with your life and start over financially. That’s of course if you don’t acquire new debt in the future.

[@jkong00]

No judgement but I do have to say that the comment about just making the minimum payment is enough is incorrect. You’re losing out to interest if you’re only paying the minimum and you will actually owe more.

[@MoviesSue]

I said if you're making more than the minimum payment.

[@drewchristy]

Two weeks is rather quick to do an debt "update" video; don't you think? You are going to be hacking away at this debt for years and years. Making this video makes it seem like you either think this is a joke or really have no reality of how bad your debt actually is.

[@steely666]

Stop moaning

[@cwillism]

Making this video really doesn't mean either of those things, regardless of whether you think it's too quick. I really don't see your thought process

[@charliegalla5056]

She in no way thinks this is a joke!!! You are really negative!!!! She’s reporting a little progress. Don’t be so critical!!

[@JonTheTeacher]

It feels too soon tbh. I get that she wants to keep updating, but it could rather be a monthly update than two weeks.

[@MoviesSue]

It's the end of the month, so I did an update because progress was made. I will update at the end of every month.

[@eliezerroque334]

Just a hint! When someone writes a positive advice for you at least try to acknowledge it and say at least thank you

[@MoviesSue]

@@eliezerroque334 excuse me? What are you referring to?