February 2019 Budget | Student Loan Debt Accomplishment | Aja Dang

I'm Aja Dang and I have some exciting accomplishments to share with you today! Not only did I contribute $30,000 towards my student loan debt in January but I was always able to save up for TWO of my sinking funds goals using Qapital. Next savings goal - saving $2000 to get the boys dental cleaning at the vet (I know, expensive).
January was a very blessed month for me, I'm so grateful to you all because it wouldn't be possible without your support!
• Mentioned •
DAVE RAMSEY: bit.ly/2VDyw5l
QAPITAL: bit.ly/2FW8Hah
•BUDGETS•
2019 Budget: bit.ly/2Vmpc5F
Aug - Nov 2018 Budget: bit.ly/2O8utcu
• GRAPHICS: •
Camila Diaz: www.camdiaz.com/
•SUBSCRIBE TO MY CHANNEL•
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•STAY CONNECTED•
Website: www.ajadang.com
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Snapchat: ajadang

[@AjaDang]

Folks, when you look at my budget, please DON'T resolve the comments. That makes them disappear. I opened up the budget so you all can view it but do not make any adjustments to my budget.

[@JCallaghan88]

Hey, on Google docs you can block people from making changed by keeping it as view only, if people want to use it they can download it and make changes but it at least ensures yours is safe. Hope this helps!

[@Elena-er7zp]

yes! Make it view only. People can save it, then they make changes on their own copy.

[@AjaDang]

Jessica Callaghan I used to do that, but then you can’t see the comments I leave behind about my budget. I thought it may be helpful but I may just make it view only again and get rid of the comments

[@JCallaghan88]

@@AjaDang hmm that is strange it gets rid of them I have not seen that. Well hopefully you find a work around 😊

[@temporarythoughts]

@@AjaDang If you don't want to change your spreadsheet format, you can highlight all commented cells and list their comments on the side with a reference to the cell number they refer to. A manual copy and paste job though.

[@youngandrestless12]

I think when you have your debt paid off & this series is over, you should keeping doing budgeting videos but with the goal of saving for a house deposit (I know that is something you said you wanted to do) :)

[@indiefairy09]

Even though your income is wayyyy above mind it’s inspiring to see someone live below their means because you could easy be living a life of luxury but instead you’re focusing on the long term. It’s refreshing to see on KZbin

[@TaylorRaee1]

I couldn't imagine paying off my entire loan (30,000) in one month! Thats incredible Aja. Keep it up (:

[@laurenshubert8284]

i just cannot comprehend being able to pay $30,000 in one month. that means you would have to be making more than $30,000 in one month..... that’s a life i will never lead haha

[@AjaDang]

don't say that. It was only 3 years ago that I was making $24,000 a year...

[@clearlythuydoan]

@@AjaDang preach. sometimes people forget there was a journey before what they are seeing.

[@user-sn5yz6fh2s]

@@AjaDang Hey Aja, can you talk about this experience some more? Can you discuss more about how you started developing all these brand deals? Especially for people who may not want to do (or get as lucky with) KZbin videos...

[@that415female]

@@AjaDang that makes me feel so much better (knowing tht only 3 yrs ago, you were making 24k). That's some humble beginnings. You are the bomb.com! Pls share more. I'm interested your journey from 24k to whatev (# you're the now).

[@brandeeisbomb]

Same, I make that in one year lol

[@DebtFreeDee]

Way to go! I paid off the last of my student loans in February '18 and was TOO excited and relieved! Many congrats, I hope you continue to feel better and Happy Bday! 🙂

[@AjaDang]

wow - debt free for an entire year! That's incredible.

[@DebtFreeDee]

@@AjaDang Well...yes! debt free of student loans 😄 I still have a ways to go on some others but I'm getting there. Thx for the reply 😊

[@QuicheD]

Debt Free Dee Whoo hoo!

[@denish1]

@@QuicheD Hey KDC!! Thank you! 😊

[@VillyP]

How long that take you?

[@sairathealchemist]

AJAAAA I’m about 5-7 days from being debt free and I am so excited yet my chest is tightening lol I just wanted to say THANK YOU!! You are 1 of the 4 vlog channels I consistently watched for inspiration, motivation and gazelle intensity. I will OBVIOUSLY continue watching because your channel is more than debt info and inspo, but that’s how I found you. Anyways, thank you girlie 😉

[@temporarythoughts]

Aja, I'm living vicariously through your boss-ass money making! It's like you are shining an energy, vibe, vision, right into my brain. Can't wait for the next video. Hoping you can do another one about your business(es), i.e. how your work looks like behind the scenes.

[@madasusual498]

Congrats!🤑🤑🤑 Stuck to my budget and paid off a private student loan this month. One down, one to go. Also, figured out how to make delicious iced coffee at home

[@AjaDang]

yes!

[@unbreakable_kimmy]

Congratulations!! Could you share your recipe for the iced coffee!

[@madasusual498]

@@unbreakable_kimmy Found that i really love Joe's Tall Dark and Handsome ( its cheaper at Marshalls,TJX) . I strong brew 4 oz over ice and add some Dunkin Donuts Extra Creamer.

[@Mindyourbusiness82]

Congratulations! You are killing it! I can't wait to watch you go on Dave Ramsey and tell him your story right before you do your debt free scream.

[@sairathealchemist]

Mindyourbusiness82 Dave gave her a shout out!

[@ClaraZijlstra]

Yaaassss, being able to give back and be generous is such a good feeling during a debt payoff period

[@jessicawalker8616]

I was shook af when you said you just turned 32?!

[@emnchris63]

Whenever I feel like I will never get rid of this debt, I watch some of your videos and feel much better. I know it's a process. I just wish I could wave a wand and have it all be gone, but slow progress is still progress. Thank you for your videos!

[@Christinamychas]

emnchris63 i feel the same way! Go Aja!

[@amaNanaama]

These videos are so inspiring! Thank you so much for making them!!

[@Starryeyed119]

I loved how excited you got when you remembered your reservation!

[@AmyMakesThat]

girl, this gives me so much hope! i really hope i can do this in the future. great video!

[@amanda_enjoys8007]

These videos are my favorite each month!!!

[@jodigfromfwtx4888]

Aja....You're doing beautifully at crushing your goals! Such a wonderful role model for all of your younger viewers. It's so nice to see you so happy.

[@AjaDang]

thanks Jodi

[@TIUlove]

Love the graphics and animation at the beginning of your videos!

[@lilydaquila9847]

Yaaaas girl!! Knock off that debt!! Thank you for trying to share your file with us with all the comments. Yes, there is a way to lock it so others can't change things while still viewing, but you don't have to do that if it's too complicated. I'm just appreciative that you're so transparent about how things flow. I think it's awesome that you took your girls out for dinner. I'm sorry about how you had to deal with all those unauthorized purchases through your account, but I'm glad you got that sorted. Wish I was closer for your vid shoot, but I am always excited to see what you create. Congrats on saving up for your resto!! Feb. 26...enjoy!!Have a great rest of your week. xoxo

[@lorim2000]

Amazing great job! $30k! Lots of people are probably thinking ‘I never get that kind of money and couldn’t do this’ but the truth is when you’re not good with $10 you’re probably not going to be good with $10,000. You are obviously good with your money now! You could’ve bought a car or taken a trip instead of paying off debt! Great job!

[@fashiondiva99]

Congrats! Keep it up Aja!

[@Weallstink965]

I'm not paying off debt as such, but I'm currently saving up money to help pay for surgery and these videos are so useful despite not being 100% relatable to the situation c:

[@grantedaccess9939]

I love these videos!

[@meobibi]

Hi Aja, seeing your videos on how you have achieved with your budgeting plans is super inspiring. What's more fascinating is the idea of saving up to still be able to treat & reward yourself during the journey. Thank you for your informative & helpful videos! I'm very much looking forward to more videos from you :D.

[@216Vonnie]

Aja I think you are the 8 glasses of water I needed today. I am so excited for you that you are gaining momentum towards paying down your student loans as well as having the discipline to do it. Side note I pray that you continue to have overflow in your life and finances.

[@adaobieshi4297]

You are amazing!!! Thanks for being such an amazing resource.

[@lmua8628]

Love your videos and yay for your debt pay offs woot woot! Im in the same journey 🙌🏽

[@zenaidekey]

SOOOO HAPPY For YOU ❤️👏👏🍾🍾🍾🦋🦋🍀🍀You are doing great and looking good and healthy !! And hopefully your fantastic video will be done on the 15th because it will be the last day of my work !!!! 👏👏👏👏

[@nanawordie7967]

wow you did that sis!👏🏿👏🏿keep going

[@adelinebong7373]

Thanks for sharing your monthly budget videos! You have been an inspiration to me to start tracking my budget and savings wisely!

[@reganhollingsworth6603]

Congrats!! Great Job Asa!

[@paulinec2866]

I just recently graduated from college and I've been watching you for forever now! (Met you at Lure Nightclub in 2015 lol) So glad you are doing these budget videos because it is really helping me out so far :)

[@kittyp979]

I’m glad I found your channel. Your videos and advise is great. And you’re beautiful inside and out. 💗

[@nataliecampbell8213]

Happy Belated Birthday! The birthday video was so inspiring and got me pumped for my fitness/self-love goals this year. I am finally getting in good $$$ with baby step 3 just before I turn 25! Big thanks to doing my taxes right away and putting that in the savings. I cannot wait til I am done with it. 4 more months to go and then I can start saving for my dream home and invest for the future. So happy that you earned more for your hard work and looking forward to continuing this journey with you :) you go glen coco

[@NoraTKD]

Nice intro Aja! You are doing great, you should be really really proud of yourself, the progress is inspiring! :)

[@sophiehe5725]

Wow Aja.. you are just gorgeous! You are the woman I want to be in the future, just on top of things and caring and fighting that dept journey!! Go on like this girl 💪🏽

[@haileypalmeiro8793]

Loving the intro!!!

[@TheRefinedBudget]

Holy moly! You go girl!! I can’t wait to see the bullet journal page video! Can you also talk about your favorite pens in that video too?

[@AjaDang]

Gabrielle Sivley I just grab pens for hotels and such

[@LivinglikeLeila]

Thanks for donating to animals!! I donate to animal rescues every month as well because they're always forgotten about 🙁

[@mariannedressler6784]

Can’t wait to see your video!

[@bbyangei]

It would be so helpful if you talked about budgeting while you're in uni/college!! thanks for these videos they're so helpful ❤️

[@bonniecheung959]

THIS IS AMAZING

[@gourmetthursday]

Love it!

[@purplepurls77]

i just discovered your channel and love it

[@Ciaseea]

You are a star! Tfs💕

[@chasingsunsetty]

I really want to like this again!

[@minimalmillionairemom]

Love the title of this one!

[@skscott34]

That's awesome! I have about $4,811 left on Nelnet and then about $13,000 on Fedloan. If feel I'm closer to paying off Nelnet but I work in a Public Library which doesn't pay much. Unfortunately, I don't want to, but I may have to go into the PSLF program to get some relief from Fedloan 😞

[@frameofmind8800]

Keep it going Aja 👍

[@alicea8105]

Great video! Always so inspiring watching you Aja. However, I was wondering how you divide the households budget with Brian? How do you create a budget with your partner for the household? What should I pay for and what should my partner pay for? Right now me and my partner live separately on our own but eventually we will move together and I could use some recommendations for budgeting for the household (including your partner)

[@nachamu99]

What did you go to school for in order to pay that much in school loans??

[@mynailsarewet9485]

$30,000?! Whew! You did so good! I’m struggling to pay off my $25,000! How do you stay disciplined enough not to use credit cards! That’s where I’m struggling!!

[@wr3504]

Love your videos where did you get your shirt? i really like it

[@youngandrestless12]

Your hair be looking FLY in this video!

[@AjaDang]

youngandrestless12 thanks! I’m trying a straight hair look these days

[@rainshilongo9928]

Doing your financial journey marathon

[@arliyashah7320]

Hi Aja. I’ve been following you for a while now and want to say thank you for your honest videos. Also, on a different note, you look a lot like Marion Caunter from Malaysia.

[@LRCosta-vm5fc]

That camera quality is real.

[@LuminousNews]

Glad the budget is going well! Will you be doing your taxes yourself? I normally do my own. One year they were more complicated so I hired someone, and then quickly realized that I could have done a much better job myself.

[@nadiaroumane1789]

I'm in my first year of uni so the debt creation has started hahaha, I worked out I'll be in over £65,000 of debt once I've finished, it's crazy how uni is!! Although thankfully in the UK we have a student loans system so that we only pay back 9% of what we earn over £25,000 (used to be £21,000) and after 30 years the debt is wiped. I'm so thankful it's that way here (although I feel like the country is gonna lose a lot of money doing it that way), the fees in the US are crazy high I don't even understand. But your journey to becoming debt free is so inspiring! x

[@mercedesmarieesquivel]

Hi Aja, I love the budgeting system you have from the charts to the apps. They all seem really efficient and motivational. Can you please go into detail about how you create/use them?

[@AjaDang]

yes, I'm hoping that's my next budget related video

[@CarlyneDTQTonPod]

Happy belated Birthday 🎉🎈🍾🎂🎉❤️❤️❤️ ... do you have to pay a maintenance fee for your Bank?

[@leaeicher7134]

Could you perhaps be so kind as to make a budget for students or tell me where I can find a video to help me with that? Thank you so much!

[@Jenny-gx4th]

39 months.. make sure to call DMV headquarters to take the violation off your record.

[@lydiaz5236]

oo cool intro

[@orangejmoothies]

Dude..u are gunna be able to pay off this debt by this year! I mean i know you wont be able to get 30k to go towards your debt every month but it’s only february and you paid off that much? Wowowwoww!! You’ll be on your way to buying bigger things in cash in no time ^^

[@awesomesty]

You didn't share your book 😔

[@Thilaniw]

Honestly you should look up homeopathy on pubmed or somewhere reputable. You may feel that IV vitamins help, but it's probably just the saline (fluid) that's making you feel better because you're dehydrated. Almost everyone feels better after a saline drip b/c most of us are dehydrated.

[@Kimakima1]

Can you please share how you and Brian split expenses (groceries etc.)? For example, your fancy diner, do you split the bill? What if one of you can’t afford/don’t want to go, do you split anyway? I find that it’s very different in US (I’m from Europe), so I’m very curious:)

[@alexandravukek4269]

What’s the sinking fund app she uses?

[@angeraptor]

Hi Aja. I always appreciate these student loan/budgeting/debt videos from you! Would you be willing to share how you use your Qapital app/card in more detail? Like, which rules do you use and what are your goals and stuff? I'm new to it and haven't found nearly enough people sharing how they ACTUALLY use the app. 💖

[@AjaDang]

YES! That exact video is coming up soon

[@angeraptor]

Awesome! Thanks! Can't wait!

[@dannielynnfountain]

I love these videos! I have a question though - I'm super nosy so I follow along in your budget as I watch your videos, and the math is confusing to me (likely because you're paying for some of the bigger expenses like insurance out of your savings, b/c you plan ahead for them). Is there a way to color code in your budget which monies come from in-month income and which come from savings (so I/we can better understand your cash flow)? This assumption is based on: $11369.56 income (after taxes/commission) and $34692.49 expenses ($44692.49 - 10k Mohela check). Discrepancy of about -$23k. Also +1 to the bullet journaling / apps video! Can't wait for that! xo Edited to add: yep, definitely some of the stuff had been saved for (like birthday dinner, etc), so would be awesome to color code or understand what was in-month vs saved for. The reason I ask is because I'm not a YTer but I have a respectable income and am trying to define the balance of in-month vs. savings for myself and seeing someone like yourself do it on a grander scale would be so helpful!

[@AjaDang]

I don't pay anything out of my savings but I never do a zero-based budget. I always have a good chunk of money in my checking account in case there a months I don't get paid (thankfully, that hasn't happened in a while so I keep adding a little every month to my checking account. Makes those months where I overspend not stressful.)

[@lynninfinite]

Wowwww $30k in loans!!!! Wowowowow

[@megmuthu9965]

Please do a laser vid when you get it done x

[@AjaDang]

about my experience?

[@megmuthu9965]

@@AjaDang Yes pls!

[@megmuthu9965]

@@AjaDang maybe how you chose where to go, pain?, time/commitment, pros/benefits, cons/struggles

[@KellyRooster]

What jobs did you do to be able to put 30k towards debt!? That’s amazing 👏🏽👏🏽

[@shanelektro]

Kelly Roos I agree. I have a decent job that pays what I need to pay for the month lol

[@that415female]

@Ava Six totally worthy of mentioning!

[@lorim2000]

Ava Six not with that attitude. I’m not an influencer or high roller but in my own hustle I’ve made $20k in a single month. It’s definitely possible for average people but your attitude has to match the possibilities.

[@book39393]

Every time you post I pay 100 dollars toward my student loan. It's just a reminder that If you can do it. I can too! If you post 84 more videos I'll have it paid off. (: Win win for both of us.

[@tendreheart7]

I know you commented, "Don't say that," in regard to other people being able to achieve your level of income but... It's completely inconceivable to me that I'd ever make $400k~$500k per year, let alone hit a million in my lifetime. Props to you for where you came from and the work you've put in.

[@jeenyim1230]

Have you heard of the Profit First Method?

[@AjaDang]

I have not

[@mrsbioscience]

Damn I wish I get paid as much as you, Aja! 🥺

[@erinsymone1645]

your debt payoff for the month is very nearly my income for the YEAR lol!!! PRE-TAX lmao. Do you have any videos/advice/resources/literally ANYTHING on how to make REAL money??? It's okay if the answer is simply "hard work" I just need to know what KIND of hard work specifically and then I'll be right on it!!

[@kristenslove]

She uploaded a video of how she makes extra income. She said she does commercials and freelance work

[@Alice-qz4pn]

Just curious: why did you pay rent this month for both you and Brian? LOVE LOVE LOVE these videos btw!

[@mfzv87]

It blows my mind how much you guys have to pay for medical care, across the border. 🤯😰 Thanking my lucky stars for the Canadian Universal health care🙏🏼 Sending love to you and I’m glad you are ok. And happy birthday 🥳

[@KellyRooster]

Feel like there is a way she can spend less on medical! Maybe another insurance plan.. just seems so much 🙏🏽 love her videos!!

[@Jennanigans1]

What does Brian do? Does he help pay stuff? Seems like you carry a lot of the weight.

[@MidnightGA]

Damn that food probably has gold in it

[@tonyj9091]

Mola

[@iluvcutestuf13]

"only spent $700 on a single meal' DAMN

[@tonyj9091]

What happened to your puppies

[@kaitlinparsons6556]

$30,000 in ONE MONTH?? How?? 😭😭

[@kaitlinparsons6556]

$30k would pay all of our debt 😭😭

[@Tahneeshajade]

30,000 is literally how much I make in a year 😪

[@Momus123]

No way I can relate to these videos. You make ~400-500k/yr and can't pay 200k student loans? Girl, you need to live below your means >_>; Start visiting MrMoneyMustache blog.