Great advice! I shared my story on my channel on how my hubby and I paid our way out of $60k worth of debt and fully funded our emergency fund in 3 years.
@TheMeleaShow7 жыл бұрын
That's awesome!
@Jo716036 жыл бұрын
Hi Young lady!
@melh.57525 жыл бұрын
Marriage & Motherhood Did you do that Dave Ramsey program?
@jaelmunoz96037 жыл бұрын
Please do a video on credit score! Even though I'm only 16 I found this video so helpful. These are the things that are extremely important but usually overlooked in school. Thanks!
@amersmiller7 жыл бұрын
jael munoz Good for you! Learn all you can about credit cards and companies before you get out in the world. I was 18 in college when I got my first credit card and honestly didn't have a clue. It's been a lot of years and mistakes of learning. I wish I had been clued in before I made it on my own.
@Jo716036 жыл бұрын
Hi Jael!
@melh.57525 жыл бұрын
jael munoz Wow, can I just tell you how impressive it is that you’re even thinking of this stuff and actively seeking out info?! Good job!
@personalmind685 жыл бұрын
I feel so awesome right now guys, cos I'm debt free!!! All thanks to Abdul who clear my debt through his hacking service whiteh4ck4rukus@ gmailcom. I love you so much. Please give him a shot guys.
@deficator7505 жыл бұрын
Buddy you should not be taking advice from her go check out dave ramsey he has the success to back up his advice. This lady is just talking too much out her ass. Another self proclaimed financial advisor
@seanellehiggins75357 жыл бұрын
I'm not old enough to need this, but I will definitely take this with me into the future. this is the advice that we don't get in school! I want to be financially stable in the future and I feel like education from people who have already gone through this is the best way.
@TheMeleaShow7 жыл бұрын
They definitely don't talk about it in school-- but should!
@kathleenblakey96217 жыл бұрын
I began being debt free over 10 years ago. I followed the same type of format. The freedom is incredible, we were so surprised how much money we were actually making! Living debt free feels so good!!!! I teach my kids to do this to and so proud of them. $
@Merelynne6 жыл бұрын
Such good advice! My husband and I paid off over $40K in debt in under three years. It was hard work, but SOOO worth it!
@queeninkim97337 жыл бұрын
Why didn't you give Dave Ramsey his credit for the Debt relief "Snowball"?
@ONLY1KUDWE4 жыл бұрын
Someone beat me to it.
@gemini26335 жыл бұрын
I'm getting out of $30,000 debt in only 4 months. Hard work and sacrificing. By myself.
@heatherleveque37997 жыл бұрын
My husband and I did the Dave Ramsey program 8yrs ago and got out of debt in 6months. It's so freeing and has allowed me to stay at home with our kids.
@TheMeleaShow7 жыл бұрын
That's so awesome!!
@narelleworks84487 жыл бұрын
Meant to say congratulations on being debt free. Easy to get into hard to get out of but so worth it.
@lauracharchenko67487 жыл бұрын
I LOVE this! Getting out of debt was one of the best things we have ever done!
@ALittleBitBiscardi7 жыл бұрын
LOVED this video and yes, i would love a credit score video!
@rosepetersen79336 жыл бұрын
yes how to rebuild credit
@theloanrobot20826 жыл бұрын
Congrats and great advice about getting family on board! That's the biggest key. And don't forget that you actually saved much more than $30,000 (just the principal) when you realize how much interest you slashed by paying off your debt faster.
@brittahughes81867 жыл бұрын
Please do the credit score video! You are great at explaining things!! Thanks for your videos!
@Jo716036 жыл бұрын
Hi Britta!
@laciejackson92657 жыл бұрын
Our family goal this year is all about budgeting! we also refinanced a few months ago to get rid of mortgage insurance. We are saving about 300 dollars a month by doing that. I love the snowball idea, can't wait to watch your other budgeting videos! Thanks so much!
@TheMeleaShow7 жыл бұрын
Awesome! MI is awful. So glad you got rid of it!
@erinjoiner54196 жыл бұрын
I have been watching and researching a lot of different methods for debt payoff and you make it seem so simple I love this. A lot of other things I have read makes it seem very complicated...thank you for this!!
@janeowen2666 жыл бұрын
After going through a long ugly divorce battle and my credit has been drastically affected by it I’m all in for a show on how to higher my credit score.
@ariannadiaz21554 жыл бұрын
I am in college right now and debt terrifies me. My first year I had to live on campus, so I have quite a bit of debt from that. I am now a sophomore in college and work part time to pay for my apartment. This last year I’ve been working on keeping myself from getting in several thousands more of debt and paying off or saving whenever I can. I am a big time saver, so I try to be cautious about every little thing I do lol
@butterflyinflight857 жыл бұрын
Paying off smallest to largest also helps you psychologically! You see progress faster and you feel like it's working so your more likely to stick to the plan.
@EmilyGioiaZumbach7 жыл бұрын
I think this list and the snowball effect is an awesome idea! So many people don't realize how easy it can be to pull yourself out of debt
@TheLensTelevision7 жыл бұрын
Definitely want a video about credit score! Thank you so much for your videos!
@jennso1227 жыл бұрын
Thank you for this . I am making myself sick over my debt it consumes me. You have given me hope
@cristina35787 жыл бұрын
Wow I'm so glad I came across your video. I know I'm young but I'm so in debt and I've been trying to figure out a plan. Thank you so much for sharing this. My first step was cutting the cable and the Internet and turning off the lights. It really helps.
@kovgirl10317 жыл бұрын
What a fantastic video! Love your personality and your tips were ALL great no crap for fillers. Love it
@warlockrandy7 жыл бұрын
Thank you for the information, I'm bow a new subscriber. You don't know how glad I found this channel now that I'm trying to get up to date with my bills.
@danadickson68177 жыл бұрын
Okay...I followed your old blog and I've been following your channel. I just wanted to say, thank you for your videos like this! You're doing an awesome job!!
@6lu5ky866 жыл бұрын
The day that I paid off my car was thrilling. My grandmother taught me a great deal about money management and paying down debt. Thanks for the info you're presented, it'll come in handy.
@wendyflores97157 жыл бұрын
I would love to hear about raising your credit score after paying off debt Thank you Melea for such detailed and wonderful information
@kahtia.7 жыл бұрын
Best thing I saw so far. Just graduated college last year and I started paying on my loans this year. Plus my husband just got a new car that was well needed, so this is really gonna help with out budgeting. Please do a credit score video.
@TheMeleaShow7 жыл бұрын
YAY, so glad it helped!
@jennycowlishaw59707 жыл бұрын
Hi there Melea!! You are so fun to watch and I really like your tips etc. I too am a researcher when it comes to getting deals and saving money. I am so glad that I found you because you have already shown me more tips then I even knew existed! I really appreciate these videos. It all started because I am trying to plan a birthday trip to Disneyland. Please keep making videos and I will keep on watching!! GOD Bless you and your sweet little family!-Jenny
@vanessaashleyokeke7 жыл бұрын
Great video!! Super informative and straight forward. Thank you!
@andaspso46597 жыл бұрын
this has been very helpful. please continue giving more information
@kazuac7 жыл бұрын
finished your vid...but I read some of your comments because I was thinking this girl must have done fpu by Dave Ramsey. congrats on being debt free and being intentional with your money! just want to encourage you to keep posting vids about handling your finance. I'm a fan of Davey Ramsey and follow his plan...but I do know that gods plan for people are different...I'm bothered by your hate comments. so judge mental...I didn't hear you say these are tips created by me but tips helpful to be debt free. It's hard to be a youtuber so I praise you for posting vids and sharing your thoughts and experience. you go girl!
@VanessaBlanco7 жыл бұрын
AMAZING TIPS!!
@stylebox11177 жыл бұрын
This will be a great help in keeping future depts under control.
@viktoriavak41177 жыл бұрын
credit score information needed very much!! thank you so much for your help and tips. you Got the info that they want to keep from us...
@jmoulton01177 жыл бұрын
I would love to travel more with my family. Videos on how you make it affordable for your family would be awesome!
@Jo716036 жыл бұрын
Hi Jennifer!
@craezh12037 жыл бұрын
Yes please do the credit score video!
@denisekuenzel1997 жыл бұрын
The great American "myth" is not understanding how your credit score affects EVERYTHING--employment, how much you pay for car insurance. Don't be naive. Dave Ramsey can afford to have a zero credit score, he's a billionaire. Until you reach billionaire status, you need to have a good credit score. www.creditpatriots.com
@needtoknow19897 жыл бұрын
Denise Kuenzel not a billionaire but I have obtained cars at 0%interest with a 0 credit score. Your credit score only tells how good you are at getting debt not how good you are with your finances. When I know my car is showing signs of needing to be replaced I start looking at car prices and make payments into a savings account for at least a year. Then when I go in to the dealer. I never let them run my credit. They see my bank statements and my savings deposits both of which show I can comfortably make the payments without living paycheck to paycheck. Now I know that the most common scenario is someone is so good at racking debt and making minimum payments and so creditors will gladly lend them knowing that A they'll make money off of them in interest and/or B if they default well at least it's a secured debt and they can repossess. I've also done something similar when I got my home but for that I did put 50% down and showed my rental paying history, a recommendation letter from my landlord as well as one from my employer. Allowing someone to run your credit score is like saying please tell me how much you want me to give you. Instead of this is what I can guarantee you'll get.
@francesocasio28717 жыл бұрын
Mendez S That a great method. I would keep that in mind.
@mrmccoy76 жыл бұрын
bit.ly/2CCquPy All The Tools That You Need To Remove Negative Items From Your Credit Report In 5 Simple Steps! Using A Secret Commercial Code Rule 609-15 They Don't Want You To Know About.
@personalmind685 жыл бұрын
I feel so awesome right now guys, cos I'm debt free!!! All thanks to Abdul who clear my debt through his hacking service whiteh4ck4rukus@ gmailcom. I love you so much. Please give him a shot guys.
@SladkiiPupsik7 жыл бұрын
Absolutely love your channel, love your saving ideas ,and budgeting using multiple accounts, so much easier. Would love to hear more about APR in your next video
@kclark12427 жыл бұрын
This is great. As a graduate student, I only make $17,000 a year so I am not paying on my undergraduate student loans while they're in deferment, but I plan to pay more than the minimum once I'm out of school. As of now, I'm paying off my credit card and the payments for my car and mortgage. Thanks for sharing!
@TheMeleaShow7 жыл бұрын
Yes, perfect!! So awesome!
@SuperJesMal7 жыл бұрын
Yes do the credit score video! My husband and I are trying to get out of debt and this video was very helpful!
@vintagesonia7 жыл бұрын
Leaving your cards open after you've paid them helps you credit score for the longevity factor. However you have to make sure that your risk isn't too high and you should keep it below 0.40
@smallpebbleuncovered7 жыл бұрын
Appreciate you breaking it down so it's easy to understand.
@Lopezz477 жыл бұрын
Yes do more financial videos, credit info, mortgage basics and all that please! Financially learned how to get out of debt faster and this year I'll be debt free, i love learning about this.
@lindagbukvic94416 ай бұрын
You don't need a credit score, when you're out of debt and pay cash for everything. Cash for your car. Put a huge cash down payment on your house, and only get a loan for a much smaller amount. "The borrower is slave to the leander".
@emilyprice17 жыл бұрын
I love watching Dave Ramsey Success Stories!
@TheMeleaShow7 жыл бұрын
Funny enough, we've never actually watched or read anything of Dave Ramsey. There were some helpful pamphlets put together from our church and then we put together a plan. If this is like Dave Ramsey's stuff, then that's cool!
@heavymechanic26 жыл бұрын
I had to buy a small home just because I was in the Rent Trap floating on a sinking raft. (1). I cut the cable (Dish 72/month) and put up an antenna. (2). Mortgage is 150-200 less than rent I was paying. (3). Working on lower grocery expense by cooking meals, not getting frozen entrees. (4). Paying down CC debt by pushing all extra money onto highest balance and small payments on lower balance cards. (5). Trying to clean up credit report and negative accounts are unwilling to verify or delete derogatory information to keep me a slave to the banks.
@ngw5437 жыл бұрын
YAY for you!!! Thanks for sharing these tips! We pay everything off every month, but have been in those shoes before and this is exactly how we did it! I would LOVE a credit score video!
@Apauline5 жыл бұрын
Watching this lets me know im not crazy.
@siriusjones9565 жыл бұрын
I got out of 10k by using credit I already had. It does not pile more debt on and doesn't require a new loan. I follow a guy who have tips on how to do it.
@kimmyymmik7 жыл бұрын
Can you do the video about why closing the accounts of paid debt is a bad idea?
@sukiilii7 жыл бұрын
i want to know too
@MicheleNichols27 жыл бұрын
It's not bad. All it does it affect your FICO score which you only need if you want to borrow money. IF you get out of debt, why would you ever wanna be in debt ever again. You don't actually need a FICO score. All it tells you is whether you are good at borrowing money and paying it back. That’s it. 35% of your score is based on your debt history, 30% is based on your debt level, 15% is based on the length of time you’ve been in debt, 10% is based on new debt, & 10% is based on type of debt.In order to have an 800 you need to borrow 100K over the course of about 10 years. After you pay off all your debt your score goes to nothing. Not bad like a 350 just nothing which is fine. I'd rather have money in my bank accounts than debt. Don't get a car payment either yuck. www.daveramsey.com/blog/the-truth-about-car-payments www.moneypeach.com/the-main-thing-about-car-payments-they-suck/
@Audlandra17 жыл бұрын
I'd love for you to do this video, too.
@ginajohnson8177 жыл бұрын
Sign up for a FREE CreditKarma account. It will give you an accurate credit score and even has a tool to look at what might happen to your score if you do different things. I just did this and to close my oldest credit line (it is with a local bank and i am changing to another bank) it will affect my credit score by 2 or 3 points - not enough to keep it.
@ginab49797 жыл бұрын
prettymonsterofevil why not? Please explain???
@jaimiekight7 жыл бұрын
Rock on! I'm so encouraged by you guys! This is a huge goal of ours this year!
@TheMeleaShow7 жыл бұрын
You can totally do it! Go for it!
@lucyknapp90227 жыл бұрын
The Melea Show w
@Jo716036 жыл бұрын
Hi Jaimie!
@nikkik30107 жыл бұрын
Thankyou Melea! I am super motivated to get out of debt. This is so doable! You are awesome! Thankyou
@TheMeleaShow7 жыл бұрын
YAHOO! Go for it!
@CanadianMom17 жыл бұрын
Loved this video. I am $30,000 in debt with 1 income (2 person adult household). I am going to try some of your tips. I also decided to subscribe as I am enjoying your videos. Thx again!
@jennifer73897 жыл бұрын
Super helpful vidio, it will help me like you have no idea. Thank you so much for sharing!!!
@jennamazingly7 жыл бұрын
I would like to see a video on monthly budget sheets. Maybe how to make one or the best sites and why. And a video on refinancing your home. Including appraisals and what you should do to get your home ready for one. And of coarse the credit score video too. : ) Any financial informational videos are great! Thanks!
@danialonzo61187 жыл бұрын
Great advice and so simple. Yes, PLEASE do a credit score video. I had a very bad situation trying to refinance a few years ago and so I've been gun shy ever since.
@sylviagonzalez34807 жыл бұрын
I would really be interested in watching a credit score video!!!
@eyelovchem7 жыл бұрын
We just bought our house 2 years ago. No way we're able to refinance our house. And we JUST signed a contract with direct TV for TWO years. We have the hardest time finding the money to pay off our first bill.
@marynichols98447 жыл бұрын
Please make more videos like this! Sharing with my hubby
@onyekachie74997 жыл бұрын
Stumbled on your channel today and I love it. Just subscribed #greatjob.
@heathersmithson37827 жыл бұрын
Awesome, thank you for sharing these tips! I can't wait for our debt to be paid off, it'll be such a relief!
@seekingtrueanswers7 жыл бұрын
It would absolutely be helpful if you commented on the credit score. Most people are not aware of how the numbers are calculated and how they translate. Please provide this when you have the time.
@kristimisty277 жыл бұрын
it would be great to see a credit score video
@personalmind685 жыл бұрын
I feel so awesome right now guys, cos I'm debt free!!! All thanks to Abdul who clear my debt through his hacking service whiteh4ck4rukus@ gmailcom. I love you so much. Please give him a shot guys.
@snooksymelissa7 жыл бұрын
Loved this and so needed it!! Would love more! Credit scores make my head spin so learning more would be great!
@jeanettejorgensen917 жыл бұрын
Yes credit score video! We have good credit but would like to get our score as high as possible before we buy a home in 6-12 months. Want the best interest rate we can get!!
@RivaTheDiva6 жыл бұрын
Best video on budgeting I have watched ... and trust I have watched a lot... thank u
@smiley3197 жыл бұрын
Please do a credit score video. For the fact that I have owned a home for over 10 years, have paid every single bill I have on time for that same period of time, and don't carry balances on a lot of my cards, I can't believe that my score isn't higher.
@bettylou37097 жыл бұрын
What networks do you know of offhand that stream? The cash envelope system is nuts. It is so unsafe to keep cash in your home especially if you are posting online videos. You can be tracked to your address without ever realizing how much information you are giving away.
@samantha91896 жыл бұрын
I've been putting off watching this video, but I'm so glad I've finally watched it! Awesome video! 😍😍😍😍😍
@meganprescott81177 жыл бұрын
Go Melea! I love your channel so much!
@TheMeleaShow7 жыл бұрын
Thanks Megan!
@kellyvine77987 жыл бұрын
This is brilliant, I want to be in so much more control over finance and here in England we don't pay for school and my daughter starts in sept which means I will have 500 per month back and I want to be clever and pay off debt. I will be using the snowball effect too.. great video
@jupiterbrees81907 жыл бұрын
I would love to see more on building my credit. I'm just starting out with debt and putting a plan together. I also have stud3nts loans that I've defaulted in but can't seem to find the extra money to pay that and our bills. right now, it's a bit overwhelming, but you gave a great tip. I'm going to make my list of only revolving debt and start from there. please continue to give such great advice. I want to someday buy a townhouse once I get out of debt and fix my credit.
@lulymeraz47897 жыл бұрын
This video was soooo helpful, I'm so inspired. Can't wait to get started on my list sunday🙌🏻🙏🏻👌🏻 thank you💕
@sophialuvstar29696 жыл бұрын
Correcting credit score will be the best help ever! Even though you have already taught my family a ton. 👏🏽👏🏽👏🏽👏🏽👏🏽
@samaly37537 жыл бұрын
You explained this so well! So helpful!!
@sebrenatate84187 жыл бұрын
Yes please do the credit score video! Also can you do a first time home buyers one as well. More discussing the steps towards owning a home
@beegee47917 жыл бұрын
Please do a video on credit scores, how it is used etc. just teach everything you can on this topic as I really really need that information. ThNk you
@hudaakhlaki92017 жыл бұрын
this is going to be really handy for my fam and its going really handy. thanks😊
@stephanielynn78987 жыл бұрын
Thank you for sharing your personal story. It's always inspiring hearing other stories. I'm glad that you shared the hard work that you had to do. It's not easy, but is possible.$
@bliab257 жыл бұрын
i want to watch u make video about why closing debt is bad too. Im try to get rid of my debts. Please!
@tifanymack45877 жыл бұрын
I am super interested in the credit video! I have been working on paying off things so that I can get my credit score higher so I can buy a house. Please make that video happen!
@Mamabearof2167 жыл бұрын
LOVE LOVE this! So excited to kick debt in the butt!
@cmprettygirl217 жыл бұрын
Pleaseeeeee do the video about why it's a bad idea to close a card you've paid off!!
@minettepackard95457 жыл бұрын
Would love to see a video of credit scores and why not to close the cards! Thanks so much for all you do!
@MrMrOrr7 жыл бұрын
yes yes yes! would love to see the additional financial videos!!
@haileyalyssa36037 жыл бұрын
Your vids are so amazing! They help me soo much! Thankyou😊 I also love your background
@TheMeleaShow7 жыл бұрын
Thanks so much!
@jodytanata55897 жыл бұрын
Thank you! And yes to the next video!!!
@ashleighmeyer16697 жыл бұрын
I love your ideas because I am constantly looking for way to keep my debt down or gone completely $
@Endofsanity57 жыл бұрын
Great info! Thanks!
@jolizevette7 жыл бұрын
I needed this today. I really would love to learn how to raise my credit score. My goal this year is to get to a point where I'm not dodging phone calls from debtors. It's so hard but this feels achievable
@TheMeleaShow7 жыл бұрын
You can totally do it. Just start with step 1 and move down the line. It'll take work but I know you can do it!
@sexykitt10237 жыл бұрын
I really am interested in raising my credit score. I really enjoyed this video I am taking notes and going to really going to start going through our debt and listing it on a spreadsheet. Thank you so much.
@TheMeleaShow7 жыл бұрын
Yes, go for it! You can do it!
@MsHeather477 жыл бұрын
Love this! Thank you!
@twisteddelight747 жыл бұрын
I really enjoyed your video I am going to try these steps. I would be interested in your video about raising credit score after paying off debt. I look forward to seeing it.
@zoiasnegirev39705 жыл бұрын
Thank you for this video it’s super helpful. I love how simple this is
@madisortor68777 жыл бұрын
Yes!!! Please post a credit score video. And this was so helpful my husband and I have 15k we are trying to get rid of in the next year!!
@TheMeleaShow7 жыл бұрын
You can totally do it!! So excited for you guys!
@Matrix7Adventures7 жыл бұрын
Ok, this is another one of my favorites. I took your example on how to get out of debt by paying off one of the bills, (I only have two) I paid off the lower one with the higher interest and then focusing now on my other loan. $$
@desertliving7 жыл бұрын
Yes , you should do a video on how to raise credit score , if u have a bankruptcy how to remove it from the credit score, and everything credit. I know that it would really help everyone. Love your videos ✌❤
@kathybuckham77755 жыл бұрын
My credit cards are maxed out and my credit score is 580 and below 500 across the 3 credit bureaus, I was so depressed with thinking day by day how my credit is gonna be fixed. I contacted some companies and they work on my credit for 2 weeks without changing anything. I left them and asked my friend to help me get out of this mess. He introduce me to the man that change my life for good. He helped me increase my credit score to 815 excellent standard within 72 hours and helped me clear all the debts on my credit cards in 3 weeks after fixing my credit score. I can't stop thinking him as he is the best i could refer to everyone mi know. send an email to him : Solaracreditfix AT Gmail dot com
@erikaontiveros78767 жыл бұрын
You are freaking awesome! Thank you so much, it's like you read my mind! Please keep doing more videos like this 😍