How I Paid off $20,000 of Debt in One Year | Pay off debt FAST... THIS WORKS!

[@ZoePritchard]

You guys voted and here it is!! 💸 Tell me: Do you carry debt? And where is it from? (student loans, credit cards, etc.) I'm curious, not judging 💖

[@gillian32]

I carry some credit card debt because the cards have zero-percent-interest-rate promotions. I guess, it's the banks' way of encouraging spending during the pandemic.

[@ZoePritchard]

at least its zero percent!! 😇

[@selflove428]

I have one credit card just carrying 90.48 I will pay it off the end off the month. The medical bills I am doing a payment every 2 weeks but I think I will work harder put more in my medical bill debt and they I will extra hundred in my car I have 3000 left on my car thanks for this video

[@eeelizabethh95]

Credit card and student

[@msprettykawaii950]

From friends, personal loans, shark loans etc

[@futureofwhat]

She lost me at "For my birthday, my mom gave me $4K"

[@thefurrybunch4071]

Yeah love how relatable that is ☠️

[@89hoefer]

Lost me at Gucci bag.

[@athencroft5139]

😂😂 Tell me bout it. Here I am with a generic wallet and hand me down clothes trying to make it work.

[@tmusa2002]

Lost me at “sign on bonus” HA! The other topics you’ve listed are unknown experiences for me too but I do manage just fine! 😀

[@dingomankam1845]

glad i read the comments😂

[@skoopqueen]

I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this..

[@eadad4371]

Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated..

[@skoopqueen]

@@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.

[@eadad4371]

@@skoopqueen That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?

[@skoopqueen.]

@@eadad4371 look her up on the internet and leave her a message she's quite popular for her services as she was recently featured on cnn. She can work with anyone irrespective of where their located

[@emeldcentor1474]

@@skoopqueen. I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .

[@Coffeetime1991]

for those who have CC debt which is most americans... shop around for 0% APR transfer balance cc... Citi has a good one if you're approved.. i got mine for 21 months.. best decision ever. For example, I was paying like $80ish a month on my credit card with 24.4%APR.... that's free money you're giving the banks. If your credit is good switch! this is outrageous

[@simonkue]

i make $20 an hr. I don't think i can pay 20k off in 2 year even eating eggs and noodles

[@LearnAsYouGo.]

Congrats to you! I have paid off 20K in debt in just 11 months! I am so proud of myself!

[@hcho7519]

Shout out ur friend who called you out re the Gucci bag 😂 Congrats on your debt repayment progress!! That’s incredible.

[@ZoePritchard]

right???! bless her 😂😍 & thank you so so much!!

[@Ahmed-Crane]

This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!

[@jinglejazz7537]

smart young lady, save your money, it will save you. I'm retired living in Alberta. I wish I had money sense when I was in my 20's. It would have made life so much easier as I got older. Well done.

[@jasonkelsey3441]

When you said you cannot have a Gucci bag and have debt I immediately made a poster to hang in my office that reads: " You CANNOT have (insert wanted item here) and have DEBT!"

[@ZoePritchard]

love it!!!

[@BaymanPolly]

Expensive makeup strapless 😂 thank you for sharing your experience

[@b.stanton410]

I'm much (MUCH,😂) older. I love financial strategies and discussing credit score strategies. I'm not rich but it's all relative to your debt to income ratio as to how financially "well aka "rich'" a person is in my opinion. As an exam, I went from a mtg pymt if $1100 a mo down to $277...😂, yes it's laughable but true. Zos's vid pop up in my feed so I dec to lis for a min...❤ her self description and Gucci bag ex...totally REAL bec peo are so hung up on what they have vs the content of their character. I love her style and how she presents herself...BRAVO!

[@ZoePritchard]

thank you!! congrats on lowering your mortgage payments.. GOALS! 💕

[@Thomas-cw9ej]

I was able to tak3e advantage of the interst free period as well. I wwent nuts and paid 100 per week and crushed my debt. I went from 56000 to 3500 in a few years. Great advice

[@ennvee1989]

I'm also from Montreal and I have 20k in student loan debt. I was planning on paying it off in 18 months but maybe I could do it under a year like you!

[@ZoePritchard]

If you put your mind to it, you absolutely can!! I believe in you 💖 Also if you check out my more recent money videos I have a whole new system using cash and a digital tracker that I wish I had when I was paying off my debt! Would have made it even faster lol

[@mattsarff2793]

YAY! I paid off all of my debt (minus student loans) last week and have never felt better!

[@ZoePritchard]

thats so amazing!! congrats 🎉

[@robingreen3391]

Great!!!What method did you use

[@WERK-FORCE]

Average software consultant in Canada is 94K a year. Congrats. I appreciate your video but its out of touch.

[@ZoePritchard]

i was not making $94k….

[@nicole_michelle]

I think she should have gave a range because in my state the average is $106K. So she did lose me.

[@brucem4813]

Thank you for these examples and great advice. It helps.

[@TheFame5000]

Sorry, Zoe, but your above average income make you unrelatable.

[@michelleduminie8448]

Thank you for motivating me this morning! I needed that. It’s not even the end of January on my debt snowball but it’s payday today and it’s already gone. Paid onto my debt so I don’t even have the chance to spend it. I do it first thing in the morning, but like I said, it’s already gone, but this video really helped me to feel excited again about how every little bit adds up, so thank you again.

[@katilynbell5979]

Can you please share your spreadsheet? The formulas look helpful but I’m not sure how to set it up myself

[@msdwizzle55]

Wow, you’re so close to being debt free! Totally agree with you on the bonuses. I received a big bonus last December and I was able to payoff the last $6k of student loan debt I had. I’ve been debt free since and it’s a nice feeling!

[@ZoePritchard]

oh my gosh thats amazing!! 😍 i cant wait to feel that too!

[@vicmazur]

hey zoe how did you stop feeling the need to spend money on clothes ? i always feel the need to spend money on clothes specifically and i don’t know why , i don’t even wear half of the things i buy

[@ZoePritchard]

During the lockdown I just realized how much more fun it was to only wear clothes I love, and to wear them all the time provided me with so much simplicity. So I basically have 10 outfits that I rotate between and don't feel the need to shop as much (to some 10 may be a lot but I do love style/trends)... also stay away from fashion bloggers, they make you feel the "need" to shop like crazy! On a deeper note, material items were giving me temporary satisfaction followed by guilt (I shouldn't have bought that... shouldn't have spent this money) and I realized that paying down debt provides full satisfaction! 💛 💛 💛

[@sorayah248]

It would help to know your salary so we can think of the percentage toward the debt.

[@ZoePritchard]

at this time it was around $65k CAD

[@asyienur9850]

I owe $20k in debt it's stressing me out I just want to say what do u other than consulting

[@mikellyartisan1384]

If you have a car, you can make money through Uber, Door Dash, Lyft, etc. If you’re a native English speaker, you can teach English online. Fast food restaurants are usually hiring, but waitressing can make you good money if the place is known for better tips.

[@nonku_mgwili]

Hey zoe how did you create that spread sheet?

[@MonicaSoyemi]

Can you post a link to the excel you created?

[@peaceofmind6141]

What equipment you use for creating your KZbin videos?

[@raniakhan9630]

Hi there, I just loved this vedio, putting up great effort

[@TheBeatdownBros]

Hydro? Not sure if that's what I heard

[@melaniechristina6844]

GREAT video! Love your positive attitude (:

[@ZoePritchard]

thank youuu!! 💖

[@mattrandall1808]

I have started controlling my debt as of late.

[@StuStevens-rn7rb]

What do you recommend for a physically disabled senior that's not able to work, only receives lousy SS. Don't have a car, not able to drive other people's vehicles. Don't have computer. Exist in a recliner at this point for last 3 years. Heart & brain injuries have Really messed me up and getting hit by lightning sure hasn't helped either. Suffered permanent AFIB from that incident and was blind for awhile too. Very scary!! 🤔😯☹️

[@Joni-Day-YT]

You guys voted and here it is!! Tell me: Do you carry debt? And where is it from? (student loans, credit cards, etc.) I'm curious, not judging

[@sarahfellows3074]

Tging is some people have poorly paid yet demanding job and illness, this formula dorsnt work for them. I have never in my life eben contemplated buying a gucci back as havebt had choice

[@michaeldwyer977]

Payed?

[@squallcloud5865]

🥱 thx ❤

[@jolyanelavoie1023]

Thanks for sharing !!!

[@selflove428]

Yes yay congrats

[@janettauzin670]

Great information thanks

[@AllwinJeba]

From Alogorithm supposed to be supporting us to we need to take action to support the Algorithm. Humans have made a lot of progress in the opposite direction.

[@Sixtwinnin]

Great video 👍

[@jennifergonzalez6431]

Where did you get your necklace!!!

[@ZoePritchard]

they are both from Princess Polly 💖

[@bkcryptotrader-thebossofbi2081]

There are no shortcuts when it comes to getting out of debt.

[@gineenspring855]

Thank you and Congratulations!!

[@jackietorres9832]

I’m currently saving money with my boyfriend to buy a home so my goal for the past few months has been to increase my credit score. I had $2000 worth of credit card debt around the beginning of this year (I know, I know 😭) and have dropped that number down to about $680. It’s so motivating to see the amount owed decrease and my credit score increasing!!

[@ZoePritchard]

that's so wonderful!!! good luck & keep it up, the momentum passes so fast and before you know it you'll have your home 💛

[@Maldives2025]

how does the tax work , you essentially with multiple sources of income, do you find you are taxed a lot or is it reasonable

[@ZoePritchard]

being in Canada I am taxed a TON lol

[@Theconsciouscrystal]

I studied abroad in Australia too!! I was at UTS in Sydney, where did you go? Very proud of your channel. Honestly, these amazing experiences like being able to live abroad make me want to gain financial freedom and become debt free even more!

[@ZoePritchard]

I went to University of Wollongong! Best time 😍

[@tracimcduffie8566]

Very good video Zoe🥰

[@ZoePritchard]

Thank youu!

[@tracimcduffie8566]

@@ZoePritchard yes ma'am you're welcome 😊

[@whaletailmining136]

wazzzzaaaaaaaaaaaapp!!

[@Jonerod]

I got married and earned an extra $10K I’m debt lol

[@ZoePritchard]

LOOOL

[@hotmessblonde]

I'm just across the water in laval!!

[@ZoePritchard]

hello neighbor!!

[@cheeseandsprinkles]

Love this! This year I decided I was going to take on my debt and pay off my student loans and car. It took me about 7 months to pay off 35K. So freeing!

[@ZoePritchard]

thats incredible!! congrats 😍

[@119jle]

Who has a spare $5000 a month. Crazy

[@donaldjohn6046]

i wanna learn English

[@ambreenshakeel1156]

Every single $ truly counts. I never realised how high my coffee bills were until I invested in a good espresso machine. I saved around AED 1,700 ($600 approx) in four months. This really helped me to pay off all my credit card bills.

[@ZoePritchard]

ohhh yes coffee is killer!

[@marcilubia]

👏👏👏👏

[@caitlyntannu1791]

Girl, the intro resonated with me and made me watch the whole video. I’m close to graduating with my masters 27k in debt. I’m looking for jobs right now that is not in my field but, I want to pay this debt off fast as possible!! I was debating on buying a prada bag… until it hit me that my interest is going to start in June.. so now I’ll be working hard doing this!! 💪🏼

[@jobpromoter4999]

I felt so pressured to payback my student loan until I got recommended to a way of earning passive income through cryptocurrency investment, with the Aid of my Investment Advisor, I earn $900 daily of my total investment and no loss of income. He has the best Technical Analysis, and anyone can earn much more.

[@jobpromoter4999]

He is licensed and Regulated by Finra. You can look him up on l.G

[@jobpromoter4999]

gary randall trad ing

[@fernchanjan733]

Not try it on a non tech salary and get back to me! 😂

[@davidparnell3241]

Hi zoe!

[@mgovig]

First!

[@ZoePritchard]

❤️❤️❤️

[@hellostephaniem]

This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!

[@ZoePritchard]

thank you so much!!!

[@mikellyartisan1384]

While the numbers may not exactly be relatable, I think your mentality towards debt is. Throwing all my extra income towards debt really is the mindset that I need to get into 💀

[@toyotsuchiya6691]

Just watched this video, thank you so much for sharing. I have multiple credit card debt. I am self employed do you have another video on this or any other tips on how to manage this since my monthly income isn't fixed.

[@ZoePritchard]

hi! this is something ive been working on the last year since becoming self employed as well. Im still figuring it out but once I do, I’ll make a vid!

[@aussiejubes]

I started watching this and realised I saw it probably soon after you posted it. I remember I loved this video and got a lot out of it but couldn't remember anything about it at all! I watched it again and it's so good. I'm definitely going to start that pay off spreadsheet for my huge tax bill. My student debt in Australia is huuuuge, but it gets paid off as part of your tax when you reach a certain income level. I could pay it off faster but that's not on the cards for now. This was so good, lots of common sense and great tips ☺️

[@JhennipherBarbara]

lol it only took me 34 seconds to subscribe cause i already knew i was gonna get a ton of value from your videos 💛

[@ZoePritchard]

ahhh thank makes me so happy! thank you 😇 😇 💛

[@JhennipherBarbara]

@@ZoePritchard Ofcourse !!!

[@thomaschew2191]

Good video I agree with you any debt is a cloud over things and paying off all debt makes things easier and much more simple ...then go to investments. I know a lot disagree but simple is better. Strange but there is a certain satisfaction in getting rid of debt, and yes you are correct it is never too late. We are going to be totally debt free end of Dec mortgage and all, kids college and all. Debt free sounds so good!

[@PraiseAra]

You inspire me so much! Thank you for this video ❤️

[@ZoePritchard]

😍😭❤️ thank you!!

[@sparklysparkle21]

loved this video! i'm still in school but will definitely implement these tips once i'm done

[@ZoePritchard]

yay!!! thank you 😇

[@DivyaPenumetsa]

So proud of you Zoe! Congrats :)

[@ZoePritchard]

thank you so so much ❤️

[@JustFrugalMe]

Great job! I love seeing people go against the grain and be spectacular! Even better you are an encouragement to all by sharing the journey!

[@joymae]

Aw I love hearing your debt story. I know a lot of my friends going through the same struggle. I cringe thinking about my past purchases when I was younger.

[@ZoePritchard]

thank you Joy ❤️ & oh my gosh I know!! when I think about all the clothes i bought and never wore/are now donated I wanna cry

[@UneakTershai]

On a similar plan you’re so inspiring 💕✨

[@gaurvp]

Very informative video. Best wishes Zoe 👌 Keep them coiming

[@ZoePritchard]

thank you!!!

[@elliebusylondoner]

Super useful video! This girl is amazing! So transparent and helpful! Thank you again for the interview advise, it's tomorrow! :)

[@ZoePritchard]

aw thank you Ellie!! Good luck tomorrow 😍😍

[@diamondcheyenne13]

Love your finance videos!

[@ZoePritchard]

thank youuu ❤️

[@AmazinMusicNYC]

I’m $1,762 in credit card debt with discover

[@119jle]

That’s my monthly payment on one card.

[@CarolineAbroad]

Hi Zoe! I'd love to hear more about your side consulting business? how did you start it? How did you build up "credibility" and found clients? I have very similar skills as yours and I'm very interested in starting a similar business!

[@ZoePritchard]

hey!! my consulting is more HR focused with tips to get into consulting, resume & interview skills 😇 i just get my clients from people who watch my vids and are interested

[@allyd945]

Thank you for this video Zoe! It was very useful 💖💕💫🌟✨

[@ZoePritchard]

yay, im so glad 💖💖

[@akankshadaswani2780]

I always love your financial videos! Lots of support, you got this!❤️

[@ZoePritchard]

thank you!!! 💛

[@Spancy]

Thank you so much for making this video!!! Impeccable timing for me cause I have the exact same debt/repayment goal for this upcoming year and just started making a salary to make it possible. I’ll implement these tips and watch back when I’m feeling weak 😋 love your personal finance vids❤️ and all the others, keep it up!!

[@ZoePritchard]

thank you thank you thank you!! Good luck, you can do it!! 💛

[@luln7072]

Pray for me I owe the wrong people 32k and in fear for my people. I hope everyone in my situation can push through.

[@Ki55yface]

Definitely motivating! Thank you! Wish me luck 🥴🩵

[@ZoePritchard]

you got this!!