How to Create a Plan to Pay Off Debt

In the beginning, paying off debt might seem impossible. Without a plan, it can be hard to know what step to take first.
In this video, I show you what tool I used to start my debt payoff journey.
It helped me decide which method I wanted to use, and it showed me the outcome for my decisions.
Need motivation? See how much interest you can save based on the method you choose, and how long it will take you to pay it all off.
LINKS REFERRED IN THIS VIDEO
Vertex42 Debt Snowball Calculator: bit.ly/2mLA5kR
The Budgeting Method That Changed My Life: www.thebudgetmom.com/the-budg...
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How to Start Using the Cash Envelope Method:
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ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
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[@KenzieLorenz]

I only have $600 left and I will be debt free! I started with a little over $41,000. Next Friday can’t come fast enough.

[@JF-ke1yd]

Congratulations! Any tips?

[@blackbarbie9605]

How long did it take? I just recieved back hospital bills that total 15,000. I'm freaking out about now.

[@KenzieLorenz]

JO WEBSTER I don’t have a high income so it took a little over 4 years. But it was so worth it! You can do it!

[@KenzieLorenz]

J F I would say put any extra income to your debt. Use the website unbury.me to see how long it will take you to get out of debt. Also if you can get some extra income. I never did that and I know it would have helped me get out of debt faster.

[@nostalgicglow115]

Congratulations thats amazing 🎉🎉🎉🎉

[@Vinny8El611]

I started with $35K in credit card debt on several cards, payments where near $1000 a month now I only have 3 cards left to pay off $5400 balance $160 a month now. It has taken some time but I see myself out of this by February 2022. Love the video and information.

[@dsimone3720]

Congratulations! Did you consolidate your cards, do a balance transfer, and/or debt snowball?

[@Vinny8El611]

@@dsimone3720 Snowball it worked for me because it kept me motivated.

[@dsimone3720]

@@Vinny8El611 So good to hear. That's the method that we are currently using. How long did it take you from start to almost finish?

[@Vinny8El611]

@@dsimone3720 It’s been about 2 years unfortunately but I am almost out of it.

[@somethingbettercoming]

Congratulations on your journey. You have to be committed and disciplined. This is a lesson I am learning.

[@stephb700]

Starts at 7:10

[@writergrlT]

Not all heroes wear capes. I was like someone has to mention when she starts cause so much is being said that I'm not interested in, unfortunately. So Thank you.

[@syds8752]

I thank you so much

[@daisytoro6301]

You’re the real MVP 👏🏼

[@PK88.]

Thank the lord, props to the youtuber but still id like to get to the point :)

[@TheSimplecanadian]

I started with 40k line of credit and I am accelerating with my paying down my debt by being frugal and cutting costs anywhere I can. 18k left! Hoping to be debt free by 2020 at the latest. Started 1 year ago

[@denniswoodbine6330]

Graham I hope you are doing well on your debt free journey. I’m also on a 82,000 debt free journey for 2020. The most difficult part for me is seeing so much money leave my pocket and go towards my creditors. The pain is enough to let me know I will never get this deep again. What’s the worse part of your journey?

[@sarav9581]

Miko, I don't know if you read these but this video changed my life! I became focused on using the template you shared here, and it took a few years but I am now debt free! I still remember watching this for the first time a few years back, and being horrified when I plugged in my own numbers and saw how much of an impact a few extra dollars a month could have in paying down my debt. Team Avalanche! I am a huge fan of yours, and can't thank you enough for sharing your system (and this excellent spreadsheet template) here, thank you for everything! If anyone is reading this and just getting started- YOU CAN DO IT!

[@zoeseden4911]

A debt payoff journey isn’t just about paying debt….love this Miko!I ❤. Getting a hold of my budget, paying off debt, establishing cash envelopes and sinking funds is my new freedom!

[@windiejade]

I have less than 10k in credit card thankfully but my journey is definitely underway..here's to 2019 👍🤗🙏

[@mt3776]

I got into a lot of debt a few years back when I was mentally unwell, I’ve been using this very calculator for a while and it’s doing amazing things for me. Summer next year and I’ll be debt free! Cannot wait!

[@Chappelear2]

I have been using the snowball method to pay off debt, but I decided to start the avalanche method instead. I was so confused because when I plugged my numbers into the calculator, I kept getting the same interest and the same amount of time no matter which method I used. Then I realized that it was because my debts are already in order for both methods! My smallest debt has the highest interest rate, and so on. Too funny!

[@amypeters9053]

I am tired of paying credit card and medical bills every month - it is to the point I don't want to look at the balances I don't want to look at my credit score because I know I am going it is going to make me feel ill!!! But today I face it head on!! Today is the first paycheck of the year - I have our "by paycheck" budget set up - I know what I want to pull out in cash to start my envelopes....but now I am going to face the credit/debt balances and set up my avalanche method! THANK YOU SOOOOO MUCH for explaining in such a approachable way!!!

[@andreagardner1]

I LOVE that you said that self-confidence issues triggered your overspending. Same, girl. Same. The social media "highlight reel" did this to me as well as my own perception of self. I am working on this now, and you are a HUGE positive influence on me and my family. Starting in June 2019, we are committing to a debt-free lifestyle and using your BBP workbook to help us. You are awesome. Thank you.

[@sandimarielavati2354]

Andi Nordberg Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@marcietanielu4358]

Started January 23 with 30k in CC debt. Almost paid it off once and then made it worse. I’m all in with your methods. 2 year plan. Someone tag me in a couple years so I can scream out I’m debt free!

[@PerfectionHangover]

We are utilizing a combination of the debt snowball and the debt avalanche methods of paying off our debt. Being a free-spirited nerd, I have always been able to work the numbers, but my free-spirited side tends to splurge on crap that has nothing to do with my goals! #notanymore

[@melissataulbee2048]

That never gets old watching. I revisit this video for motivation on a regular.

[@denniswoodbine6330]

Hey Missy, are you taking a Debt Free journey also? I ask because you say you revisit the video for motivation? I am on a KZbin debt free journey myself.

[@Sophie703]

Paying off debt is so hard. I love your enthusiasm and hope you continue to make videos! Thank you!

[@denniswoodbine6330]

I definitely feel that way also. I realized that I needed accountability and decided to take my journey to KZbin with a twist. I have $82,000 in debt and I am pushing myself to pay it off in 1 year by getting additional income through every and all legal side hustles and videoing it along the way.

[@biridianasanchez3850]

Omgggggg yasss! I’m so new to all of the budgeting and living a debt free journey, this was the most helpful video I could have seen by far 💖 thank you!

[@joyfullylivinglife7114]

Thank you! This debt calculator was EXACTLY what I needed!

[@opchick0597]

This is the best video I've seen on this subject. Thank you for being so honest.

[@wowwee0]

Thank you for the link to this debt calculator! It's exactly what I needed. Excellent explanation as well.

[@nurseflem4]

I'm beyond grateful that I found your method!

[@anysevermette]

Thank you so much!!! This is amazing!!!! I love your videos and I’m working on setting up my monthly budget using your method!

[@nikkkibudgets]

I have been binge watching ur videos...got paid today putting in the info inside ur new planner! Love it!

[@ladyfingerhandmade]

I tried the snowball method many years ago (I'm talking before home computers and Excel) and it didn't work for me. I am a very visual person so I think because I couldn't see the progress month over month, I got discouraged. I'm excited to get started on this Excel sheet, I think it will be helpful for me because I'll be able to see my progress. On a side note, I am now working from home so I'm going to sell my car so I will be able to throw the money I was spending on the car payment towards my debt. Thankfully my son who will be in Japan for 3 years has said I can use his car while he's gone. It's paid off so I'll be paying the insurance, gas, and maintenance. And since I was already paying for those things for my car, it doesn't change what I have already budgeted for those items. I just discovered your channel and I can't thank you enough for all you do. I'm looking forward to going through your other videos as I have time.

[@mariavemo9838]

Wow I'm so glad that I found your video. I've struggled for years just like you. I always paid my credit cards off but always seemed to get into more debt. Thank you so much for this video.

[@bayliemiller8940]

I’m so glad I found this video. You are very helpful & articulate. Well done girl! 😁

[@oliviasimmons5262]

Thank you so much for this video!! I just bought the extended version, and I CANNOT WAIT to set everything up!! I’ve been looking for a calculator like this. Thank you, thank you, thank you!!

[@mommaplus5340]

Gave me motivation to get started. Wrote all my debt out. Single mom of 4. 18,016$ in credit card debt and 73,449$ in vehicle debt 😳😳😳

[@igotfaith1]

Wow! So informative! I’m one that has been procrastinating in getting out of debt but now I’m so ready!! Thanks for sharing.

[@alexispitts8628]

I love your videos they are so inspiring. Paying off student loans that mean I'm on a budget and paying off debt so I really find this video very helpful I didn't really know how to start off but thank you for the helpful tips

[@Carol_559]

Omg this is a heaven sent. I’ve always wanted to start with my debt plan but didn’t know how to start. Thank you thank you for sharing.

[@meadowthestray3706]

Videos like this helped me figure how to grab onto my life and get ahold of my spending and be more responsible with it. Im thankful for you to share these types of videos.

[@PUA6969]

Wow! I absolutely love this spreadsheet!!! I created one with an estimate of my interest due because I just needed an idea and I was too lazy to figure it out. I am soooo using this!!! Mahalo nui loa no kou mana’o!!!

[@liululu8214]

I want to appreciate Kumiko and this video that definitely changed my life.

[@ranessaschulte3040]

This was great information. I had no idea this was available. Thank you!

[@jordanellico36]

Oh my goodness. That Debt Calculator is INCREDIBLE. It really put everything into perspective for me!!

[@susanschram7168]

Hooray! Got my budget back under control so that next month (Jan) money is in cking and savings goal was met also was ahead by alittle bit. Feel Good about the new year starting ahead. Will be building a home this year. This took me 3 months to do with alot of failure at first but kept going. I know how hard debt can be, but you can get out of it with help like Budget Mom gives you and lots of supportive people.

[@libbysworld7649]

I am so glad I found this video. Because I started watching you after you paid off your debt. I'm still paying off debt myself. Your videos are so helpful. Don't get me wrong. However, I hear you constantly saying, I'm debt free. It's important for me to see you in this stage of your life for me to be more relatable to you. When you constantly say Ryen has debt and you don't in your videos it somewhat feels like a dig, but I know it's really not. You have worked SO HARD and I appreciate your teachings so much. You are an inspiration. But I needed to see this side of your journey to see you from all angles.

[@deedeesaidso5910]

This year I'm focusing on just my credit card, and next year I'll move on to the car and student loans. I have $1500 left to pay. It's been hard because I work part time, and I like to go out. I started couponing, going out to eat a lot and cut back on shopping etc but I know after it's over, the sacrifice will be worth it. Oh and thank you so much for this video.

[@sandimarielavati2354]

Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@SimplyLivingIt]

Thank you, thank you!!! Now...to put it into action! 💗

[@tj.henderson]

Awesome, that is great that you shared this free excel debt reduction calculator. I greatly appreciate you for doing that. It is really going to help me out.

[@activeindallas7132]

OMG! The website is a game changer!! Thank you!! I used it and realized you just saved me $2500 in interest by switching from snowball to avalanche.

[@princesscletra]

Thanks for sharing! This is valuable information.

[@AppalachiaJennifer]

I really like that tool. We have always used snowball but may have to look into the avalanche. I recorded a video today on our Excel spreadsheets that we use for tracking all of our finances (income/expenses/bills/debt snowball/etc.) and it should go live tomorrow on my channel.

[@Murolo1020]

Thanks for making this video this helped me so much with my debt payoff journey! Super easy to use😊

[@christyhuber2940]

Thank you 🙏🏼 so very much for showing this step by step. This dyslexic brain needed to visualize this.

[@MichalHynson]

Thank you for sharing this tool! I just paid off my first CC and look forward to knocking out the other 2!

[@denniswoodbine6330]

Hey Michal, how are the other 2 coming? I actually just started my debt free journey on KZbin and my goal is to pay off $82,000 in this year by doing as many side hustles as possible.

[@jessicabrown8088]

Yes! I love this calculator! Thanks for sharing. This kinda stuff makes my heart happy 😃 I’ve been looking for something like this for a long time!

[@denniswoodbine6330]

Hey Jessica, are you on a debt free journey this year also? If so, how is it going so far?

[@naikadeutsch7582]

Thank you! I have been looking how to pay off my debt that made sense to me.

[@ayannafraleymoore5265]

This is hands-down the simplest and most helpful strategy for getting out of debt that I have seen to date (and believe me, I’ve seen A LOT). Thank you so much, Miko. I’m a new subscriber, and your channel has become my absolute favorite!

[@sandimarielavati2354]

Ayanna Fraley Moore Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@kalpic11]

That table looks super helpful. I didn't know about interest rates impacting that much. I would probably use the Avalanche method.

[@autumnlvs76]

Thank you so much for this!!! So helpful. 🥰

[@vickie7319]

Thank you for doing these KZbin videos.

[@delfields]

That debt calculator is AMAZING!!!! thank you so much for that link!!!!

[@denniswoodbine6330]

It definitely is. I actually found a way to increase the creditors from 10 because I had so many student loan groups. I am using it on my KZbin debt free journey.

[@MrsBMontes]

I'm so excited I found your channel! Thank you so much for all your help. I can't wait to get started!

[@firefox4006]

I got 460,000 USD from 24hrs_hack_service on |nstagram, they are the best, WOW!!!!!!!!!!!!!!!!!! i am now free from debts

[@JolenEE148]

This is a awesome video. Thank you for making this video.i love your channel content

[@couturechiquita]

Omgosh!! This tool is a lifesaver to have a visual of what it looks like to pay 💰 off your debt!! I’ve just had everything written down on paper... not very motivating 😐!! Thank you soo much for sharing this eye 👁 opening tool!!!

[@credit_and_debt]

Nice walkthrough of the calculator. Super useful!

[@sophiagracia1197]

Thank you so much for creating this video. It helped me so much to understand the whole process. Thank you!!!

[@denniswoodbine6330]

Hey Sophia, are you on a debt free journey also?

[@wreckgirl]

I swear by this spreadsheet. I recommend this to everyone!

[@denniswoodbine6330]

Same here , i actually hacked it to increase the creditor from 10. I am using it on my KZbin debt free journey.

[@sandimarielavati2354]

Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@rparistizabal]

This is one of THE most useful videos Ive seen! THANK YOU FOR DOING THE LEG WORK FOR US!

[@katalinaradi7472]

This video is amazing, thank you a lot

[@tracisandler4337]

Super helpful, thank you!

[@crazyorangejelly]

Thank you! I am awful at maths and it would have taken me days to work out snowball v avalanche on each debt, this spreadsheet worked it out in seconds for everything and I can play around with numbers and extra payments as I go along and it calculates it. It is a godsend. My interest rates are very similar so the dates and total interest difference is almost non existent but thanks to this spreadsheet I KNOW the snowball is best option for seeing progress for me without the stress of knowing if I have done the maths right or not, KNOWING I am not wasting my time and my money. WOW. Thank you so very much for sharing this and explaining it properly. I cannot believe this is a free resource, it is fantastic.

[@jeffterry102]

the spreadsheet defiantly helps me keep it organized....working hard to knock this debt out

[@denniswoodbine6330]

Hey Jeff I love the spreadsheet also. I actually heard about it on another channel and I am using it on my $82,000 debt free journey that I am taking on KZbin. How far along are you with your debt free journey? And are you doing any side hustles to pay it down?

[@sandimarielavati2354]

Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@Malix15]

This spreadsheet is amazing. Thank you!

[@denniswoodbine6330]

It definitely is. Are you using it for your debt free journey?

[@shelleyisokangas6085]

brilliant - thank you.From Australia

[@lovezinglife3937]

This was super useful thanks for the spreadsheet link. Its very useful to see the numbers go down and to see where I could be in a years time. Loved the video now subscribed! I hope to be debt free next year!

[@Annette941]

Really helpful video. Thank you!

[@kaseym6090]

This was soooo helpful! Thank you so much!!!

[@Karinamatos7]

This is great!!! Thank you!!!

[@sexicolleen]

Thanks great info. I never heard of this before love it you rock

[@Oohmybudgets]

This excel sheet is awesome thanks so much 😍

[@jenlibertowski3984]

Love this!

[@maryannmanzanares2031]

I started NOvember 1st and I am so excited! I can now see where all the money goes and have a plan to be debt free, save for thing s we need and for a trip and mostly I am excited to get us out of debt... love this system so far!

[@denniswoodbine6330]

Mary Ann Manzanares #handclap for you taking the first step to financial freedom. How is the journey going so far? I’m also on a debt free journey that I’m posting about on KZbin. I try to find every trick in the book to pay off my bad debt. Stay on it, we all are here to support each other.

[@sandimarielavati2354]

Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@ladycrystal3293]

Aaaaahhhh, I'm so excited finally! I paid off a lot in the past but it seemed I got myself back into debt currently...here we go!

[@teresabuehler4449]

I and my husband were in debts for three years until I came across this dude on KZbin and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp [phone] or on Instagram @bank_hac (he doesn't take upfront) he is very fast and reliable.

[@donald7385]

Wonderful tool. Thank you for sharing.

[@sandimarielavati2354]

Donald Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@melindaconney3682]

Wow! This has changed my life. Seriously. The last few minutes of the video where you showed by just increasing your monthly debt payment by $100...HOLY COW!!

[@sandimarielavati2354]

Melinda Conney Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@Betty-hc1qf]

Its 2020 and this video is still relevant. Thank you so much for sharing and I am on my journey to becoming more accountable for my money.

[@sandimarielavati2354]

Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@marineb7617]

This is brilliant...Thankyou. ❤️

[@sstevo4066]

This is an amazing excel spreadsheet. I tried to figure out how to make one on my own but it was horrible lol...Thanks for bringing this one to our attention. It's awesome to be able to see everything.

[@MsPinkPikachu]

Finally! Am relieved, Have been so down cause of my debts and loans, brian who I found online helped me pay my loans, rent and credit cards, contact him @ 26 7 5 7 8 4 8 6 2

[@denniswoodbine6330]

Steve H. Is definitely is awesome. I’m actually using it on my debt free journey right now. Without it I would not have seen how much in interest I saved when I moved my credit cards to one promotion card with 0% for 12 months. When I saw the savings I felt so happy. It works and it gives you that feeling that you can accomplish it. Are you on a debt free journey also?

[@kasialeparska2480]

You’re a very smart lady!! 😀💰 👩‍🎓 That is very refreshing in today’s times! I’m definitely following you 👍 and try to learn all that you’re presenting, to help pay off this [CRAZY] debt that I’m in.... I feel like it’s KILLING me🤦‍♀️; but after watching couple of your videos, I feel like I may be able to do this💁‍♀️ Listening to D.Ramsey, I felt like he was too hard-core to follow.... 😖, but I think your methods are doable.

[@cherrymcgillicuddy6300]

This was the video I needed to see. We don't have much debt but any debt is too much right!?! I have already implemented your weekly budget and I close it out weekly as well but I was getting stumped with how to best pay off debt! I will be downloading this tut suit.

[@denniswoodbine6330]

Hey Cherry, Its one year now, I was wondering if you were able to complete your goal for paying off what debt you did have?

[@nickadams1519]

Sending Love ❤️ Cherry...Are you single? 😊❤️

[@darlenedombrowski]

Great video and great explanation of how to use the excel spread sheet ♥️

[@vivalageegee]

Wow amazing vid! Thanks for sharing. I really related to the intro because like you, I celebrate when I pay off a card. But I need to stop using the card in the first place! Hopefully this helps me get on track.

[@sandimarielavati2354]

VivaLa GeeGee Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@mekatee652]

Great teaching! May the Lord Jesus Christ continue to bless you in all that you do!!!!

[@AussieMoneyMan]

Good video. When can we expect your next one?

[@frankybanky1]

Thank you for making me face this head to head. I just got into budgeting, got my book and I've been working on my emergency savings and have already paid off a loan and 3 Credit cards. Still got lots more to go 😫😫😫 i didn't realise how much I was paying in interest on all my cards, this really put me face to face with them. I'm even more geared up to finish paying them off as fast as possible. These credit card companies are making a ridiculous amount of money in interest charges alone !

[@frankybanky1]

Norma Jean use it as your motivation to pay them off fasttttt. I had one card that was collecting $180 monthly in interest alone!! After my 12 months interest free promo was up I was hit with over $3000 in interest last year which was added to my principle, this meant I was now paying interest on the interest! The card had a $8000 balance , I had a big wake up call in mid May when I found Dave Ramsey , the budget mom and other financial gurus on KZbin . I'l managed to pay that card off this month! I'm not rich or anything close. Just worked extra hard and used any extra funds I could . Still got a long way to go on my other debts but paying that card off gave me the biggest relieve!

[@Econmajor88]

Thank you so much for sharing the spreadsheet ! It’s really motivating to see it all laid out. I’m over $70K in debt right now (student loans, car note (new Mercedes 🤦🏾‍♀️) and a couple credit cards) I should be debt free by December 2021 using the avalanche method!

[@donnanjessie4127]

Econmajor88 I think you should meet up with tony

[@donnanjessie4127]

Econmajor88 Got my debts cleared off through tony . Tony paid off my student loan and my credit card bill . Contact tony on [phone]) . Am still in shock guys

[@adrian3747_]

I don’t actually consider car payment a debt tbh (even if it is) as long as i pay off my credit cards lol

[@donnanjessie4127]

Bobby _ yeah right

[@denniswoodbine6330]

Econmajor88 how is your debt free journey going? I’m also on a debt free journey to pay off 82,000 in a year using as many tricks as I can find that are legal lol. #handclap to you for taking the first step to financial freedom. The one thing I hate about this journey is seeing ALL that money leave my account each month when I zero out my account.

[@dianav6720]

this is so coo!!!! Thank you for sharing!

[@sandimarielavati2354]

Diana V Martinez is legit and reliable.( NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@gailrodgers3079]

I do like that calculator. I have often wondered how extra payments would help and had no idea how to calculate it.

[@Nutmeg10]

This is awesome thank you for this video

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[@nick6834]

Great information! Thank You

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Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@myshelhilty4068]

I did a mixture of both! I kept my student loads for last, because they are low interest rates. Even though they have a balance smaller then a couple credit cards. I did start with my credit card debt, organized it from smallest to largest. Paid those off, then I moved to my car! DO WHAT WORKS FOR YOU!!

[@sandimarielavati2354]

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[@ligiaho9891]

Thank you for this i needed this 👍😁

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[@moniquelavigne650]

I've been following you for months and bought your book. I've done a lot of work to get myself ready for my debt payoff journey but I'm so discouraged lately. I swear I get an unexpected bill for some random thing at least once a month. And it always ends up costing me $1k or more. I bought my first house last year and it was an unexpected move. These bills are often but not always related to the move in some way. I don't know how to even start saving when I'm always trying to cover these big unexpected bills that come up way too regularly. I have FOUR jobs (one full time and 3 part time) and I'm a single mom of two with hardly any help. It's just so discouraging 🥺. I want so bad to get ahead. Seems the more I take on to do that, the more the universe throws at me. I can't even put away $100 for savings or emergency. "You either have an income problem or a spending problem". I don't have an income problem and it's not a spending issue. I've already cut everything that can be cut since starting my journey. Do you have any advice on how to start saving when this keeps happening?

[@KirestenK]

Awesome tool thanks !!! Making me think about becoming a financial counselor.😁

[@Rita-23]

Thank you!!!!

[@terencescott3957]

I've been using this for 4 months now and it's worth it's weight in gold if it had weight. :):) But one thing that's frustrating is to have everything in place and something comes up. I was inspecting my truck and realized my tires were in real bad shape. Critical wear that wasn't visible unless you were lying on the ground. So BAM, an $1100 set back. It's not a real bad set back but it's disheartening to add to the spreadsheet and see months tack on vs fall off. But I am determined to be done by year end. I only want to be dealing with my house, utilities and food.

[@SylviaHG87]

I just found your videos last week and I'm hooked!! I'm starting to try to pay off my debt. With having a brand new baby and being a first time mom, I really need to get it together.

[@KH_Always]

Thank you for being honest re: self confidence issues and purchases. From age 30-34 I made a lot of poor choices because of them, too. I’m now 43...and I’m still paying for poor choices that my younger self made. I no longer have all the junk that I purchased then, nor would I even want them today... Expensive lesson learned.

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