How I Paid Off $10,000 of Credit Card Debt in 6 Months

I PAID OFF $10,000 IN CREDIT CARD DEBT IN SIX MONTHS GJFREKJGHRJFEGK I'm too excited WOW. Here's a very detailed video of my debt payoff process!! #personalfinance #debtpayoff #creditcarddebt
TIME STAMPS:
0:00 - intro
2:01 - how I got into 10k of credit card debt
5:30 - get serious and commit to a debt payoff plan
6:30 - balance transfers
7:23 - track your income and expenses & create a budget
7:59 - pay more than minimum payments (debt snowball vs debt avalanche)
9:04 - find extra money to use toward debt (cut your spending and/or make more money!)
11:18 - I have definitely increased my income (+ my estimated total income for 2019)
12:50 - what percentage of my income goes toward debt?
14:35 - how much did I pay each month?
16:40 - my debt payoff hype song lmfao
17:36 - how do you resist lifestyle inflation / spending more as you earn more?
18:43 - how do you stay motivated during debt payoff?
19:57 - what was the most helpful way to think about the process of paying off debt?
20:33 - are you saving while paying off debt?
21:13 - what’s next? Pay off my student loans! + my current total loan balance
22:49 - how has your credit score changed?
23:24 - did you still use credit cards while paying them down?
24:46 - what do you recommend for young people regarding credit cards and student loans?
SOURCES & REFERENCES:
Opening Up About My Student Loans and Credit Card Debt - • Opening Up About My St...
Finances of a Full-Time KZbinr (taxes, budgeting, etc) - • Finances of a Full-Tim...
Debt Snowball Vs Debt Avalanche | Which is the Best Debt Payoff Strategy? - • Debt Snowball Vs Debt ...
What is a balance transfer? - www.creditkarma.com/credit-ca...
The Financial Diet - / @thefinancialdiet
Aja Dang - / ajabdang
Sarah Nourse - / @happymanagedlife
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Hello my dudes! My name is Tiffany Ferguson. I’m a 24 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I've been working on my Internet Analysis series, where I research and discuss topics related to social issues and media. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and more.
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[@tiffanyferg]

Please ignore any comments recommending websites or sketchy people to text, they’re all scams! They spam any videos regarding debt payoff

[@eliminmax]

With a video from around 8 months ago and over 2000 comments, it might be a little late for this, and you might be too busy, and I'm a random stranger giving unsolicited advice about something I know little about, but could you set it up so that comments would need to get approval to be posted on this video, so that scammers can't keep spamming the comments section? There are still spam comments being regularly posted.

[@salometipsandtricks2786]

Hello everyone. Blessings of love and peace and goodness be upon your. This is a message of love. Dear Christian women of the world repent of your sins of dressing immodestly even at home for bed. That means dress in dresses and skirts that doesn't show your breasts or knee or back or stomach. But an outfit that is not costly and goes passed your knee don't show your stomach or breasts or back or stomach when you sits or stand or bend down to pick up something or left up arms to grab something. Don't follow the beauty gurus or fashion gurus. Repent of wearing makeup and jewlery and braided hair and just be simple but modest and clean. Use the money and time for helping others such as your family and relatives first then other Christians then everyone else. Donate to the poor and widow and orphans and churches with your makeup and jewlery and braided hair money. Any use the time to go on KZbin and social media and teach Repentance of sins to women and children. Repent of not wearing a headcovering when you pray or praying in your closet like you are supposed to and not in public. Repent of lying and stealing and gossiping and hating your family and relatives and neighbors and Churches and strangers in other countries who are humans and also might be christian like you or Jewish. Love your family and relatives. Spend time with them and be obedient to your parents and if married to your husband. If in trouble call on Jesus Christ. Donate to the poor and widow and orphans and churches and strangers such as the homeless in your city. Teach online the gospel to women and children. Volunteer your time at church but make sure to clean up your house and cook for your family and relatives first before doing so. And study the commandments which you can find online by typing in 1050 new testament commandments and studying prophecies at home. And be a gentle quiet spirit. And pray for others. Thank you for listening. Love y'all

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@tanithd]

me: doesn’t skip ads i help

[@abc314pi]

Same lol

[@isabelgabrielle8834]

tanith dare i was about to skip the ad until i saw this comment

[@Barbaraska]

Omg i did the same

[@navybluechilipeppers]

dont think skipping ads changes money pay out

[@AmaryllisTV]

🤣🤣🤣

[@williamhomer7218]

She said right up front, *paraphrasing* "If I was not making the kind of money I make from being a KZbinr, I would not be able to throw a large amount of money at my debt and pay it off in the short amount of timeframe I did." I appreciate that upfront because most of us are not KZbinrs. So, what she did would likely not be as easy or in a lot of cases likely to accomplish for the regular Joe, so to speak.

[@ashleydunne17]

I was just going to say the same thing. Alot of us do only have basic paying jobs and are NOT KZbinrs. Ugh!!! I suggest watching Jordan Page she's amazing!!

[@llallogen7380]

Very, very true! But the vast majority of people can be paying stuff off way faster than they are right now. I have friends making 120k who are saving money/paying off debt much slower than my friends making 50k with families to support. Working extra jobs and cutting back and being honest with oneself goes much further than people usually think, and they excuse it away when watching these videos by saying, "well I'm not a KZbinr." If they don't make extra money from KZbin, they should make it their part time job to find a secondary source of income if they are serious and able.

[@rafaelp.3141]

true, but the disadvantage you are speaking to can easily be offset by multiple streams of income or for most people, simply another job.

[@johnnbonneau4833]

@Julius Stratton Wow! I didn't believe they really work, I thought my sister was just ranting about how fast she got her credit fixed lol. Thats really nice, I'll definitely check them out now.

[@strawberrycheesecake7912]

As long as we dont use her being a youtuber as an excuse not to try, sure it will take longer but it's not impossible. Infact plenty people who are not youtubers pay of debt maybe at a slower rate but its worth it.

[@Jax-jx5uu]

"don't put this onto future you. cause past you already did that..." this applies to so many things in my life. but mostly debt. thanks for the inspo!

[@hypatiakovalevskayasklodow9195]

Seriously that pearl of wisdom shook me

[@chritianadominguez5997]

I knew for sure I wasn't going to make a lot of money if I only continued working at my 2 jobs which was exhausting and had me away from my family most times not until an old friend of mine (Dave Amanda) sought after me and changed my life. You can just contact Jack {[phone] whatsapp) or on instagram @ Hak_slav if you need money in your bank account or credit card (NO UPFRONT FEE IF YOU ARE IN THE USA OR CANADA). Jack increased my credit score to 820 from 330 and he has been helping me make an extra $96k a year for the past 2 years already. Contact him and thank me later

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@TheresaDiana12]

The problem we have is because Most people always taught that " you only need a good job to become rich ". These billionaires are operating on a whole other playbook that many don't even know exists.

[@LucasSmith715]

Money invested is far better than money saved , when you invest it gives you the opportunity to increase your financial worth

[@PatriciaMary11]

"It is remarkable how much long term advantage people like us have gotten by trying to be consistently not stupid , instead of trying to be very intelligent."

[@JoeLogan2b]

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.

[@oscarjack643]

I also keep seeing lot's of people testifying about how they make money investing in Stock, Forex and Crypto Trade(Bitcoin) and I wonder why I keep loosing. Can anyone help me out or at least advice me on what to do.

[@MarilynBeverly943]

Even with the right technique and assets some investors would still make more than others.

[@cadintruesdale9831]

“I honestly don’t know how i survived” is the most relatable thing looking back at times of significant financial struggles. Idk how I did either my dude

[@JasonThinks]

Exactly, is a mountain when looking at it at first.

[@cottage-core_]

+

[@fibromiteready2fight809]

Watching people explain how they paid off their debt is so relaxing.

[@annicks7385]

fibromiteready2fight it truly is lol

[@JasonThinks]

Haha really? I haven't heard that before. I just made a video, I wonder if people would find it relaxing.

[@brittanyarford6353]

I'm definitely in the "I had to use my credit cards for emergencies and my whole life has been one big emergency after another for 5 years" situation. I'm doing "okay" now but the pandemic isn't helping. Working on paying everything off so I can buy a house! I'm only 29 so I guess I figured it out before it was too late.

[@MegaPlucas]

Homeownership can also be perilous. We had tons of rain a few months back. Our finished basement flooded and insurance didnt cover it. We had to install a system and refinish our basement. Total was almost 8 grand.

[@JuMixBoox]

For some reason, budgeting and finances calm me. Like looking and knowing and being in control of these concrete, simple numbers.

[@TheLookatit]

This is my problem...eating out and buying my wants more then my needs.... Here i am trying this again to pay off my 6000 debt in which i pay every wk because if i dnt.....i buy most of my wants and not my needs... Not to mention this is holding me bck from buying a home.....sigh

[@lacyaubut6751]

i hope one day im like that. thinking about opening my bank account makes me ill lol

[@JuMixBoox]

@@lacyaubut6751 Well, it's easier with other people for sure. Maybe pretend you are some eccentric coach on a reality TV show who is scandalised by someone's finances but sorts them out perfectly in the end? I don't know. I wish you good luck with your finance journey!

[@lacyaubut6751]

@@JuMixBoox wow love that character arc for me hahaha ty!!

[@zsofiajordan6597]

just commenting to help the algorithm to notice you!

[@demeterontheinternet]

Zsófia Jordán this 👌

[@emilia__949]

Yeees👍🏻 She deserves all of it

[@oswaldtheblue9271]

Yesssss

[@noya5500]

🙌🏼preach

[@calisahota4821]

Same!

[@MeganMarieT]

Don’t be afraid to put a few more ads on your videos! It’ll earn you some more money and most of us probably don’t mine watching a few more seconds of ads!

[@andreags9495]

!!!!!

[@ThatOneLadyOverHere]

@@tiffanyferg seriously though, I have no money, so watching ads is how I support creators I appreciate.

[@emirhos8386]

Best smile an personality award forget turo! Nawh jk great info appreciate your energy! Put down momma we all need guidance! Great work giving it back an no higher level of learning but teaching! Keep it up God bless!! 850tycoonsrepair🎡com

[@SonyaReznitsky]

Love you girl. Debt can feel so embarrassing and hard to crush when you don’t make enough to cover your expenses plus extra for your cards. My CC was what I used as savings as I had none. Only way I could get out of financially challenging times.

[@ran_loona]

I still can't grasp the concept of credit cards, the fact that you spend money you don't have is so scary

[@k3upikachu]

Dude I know! I have so many friends who are heavily in credit card debt and I'm over here getting anxious when I owe a friend $20. I feel like you never know what's going to happen - you could get a huge medical bill, lose your job, etc. and your plan to pay off the debit from impulse purchases goes out the window. I can't live like that lol

[@lemoncakesandmoonpies]

I think it's so easy bc you don't see it! You get that invoice at the end of the month after you've spent whatever you've spent. It's a mental shift and it's hard to get out of it!!

[@erumoicemaxie]

Yeah, it's not a thing where I live - like you don't need to have a good credit score, it's best if you don't use credit cards at all. It's so weird, I've heard someone say that you shouldn't use debit cards unless you're really bad with credit cause it's suspicious.

[@aleksandrasivolob]

Just remember to use it like a debit card. If you only have $100 in your checking account, only spend that much on your card. Credit Cards offer a lot of benefits, like fraud protection and cash back offers. They are great if you pay off the full balance each month!

[@xMissPegasusx]

They work great if you have a fluctuating income, or want to get /do something that you wouldn't be able to afford once off, but can pay off over a time

[@Brokerst]

This motivated me to pay 200$ towards my highest card balance.

[@arodordie]

Me too!!

[@frankiegaliffa3850]

I'm paying around 300 every two weeks of 6000 of debt

[@CandiceMarieinspires]

go girl!

[@meikvincenco1584]

Pay it off in full as quickly as you can or you will die poor. That motivation enough?

[@JasonThinks]

Well done! Keep going!

[@lizzieAGAIN]

me a 15 year old who doesn’t even have a job: ah yes, must watch

[@hypatiakovalevskayasklodow9195]

To know for the future!

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@hannahpkmn2730]

"not like we're trying to get to 300k subscribers or anything" -checks sub count in feb 2020- over 500k! congrats on reaching your goals :-) just subscribed today!

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@vickinicole]

You know what I appreciate? You gave real numbers, like what your income actually is and what your debt actually is. I've always wondered how much you can make from youtube.

[@peaaaaaaaaaaaaaaaaaaaaaaa]

we love a fiscally responsible queen

[@mojojojo7515]

Oh

[@vanesitav.t.1106]

I love that you are not completely depriving oneself while still paying off debt. Very different than everything else I hear which has been so hard for me. Encouraging. Thanks!

[@ANATJESUS]

me: not american, doesnt need student loans, have no debt and has free health care also me: ooo interesting video must watch

[@KarolYuuki]

Right? The concept of having 10k in credit card debt scares me a lot. Thankfully I've learned from my father's mistakes and always paid the full amount every month.

[@SofiaYasmin]

I watch these but I replace « paying off debt » with « saving money », for some reason saving a lot of money is therapeutic for me, I feel safer lol

[@ghettouptown6619]

I think she's in Europe rn tho

[@someoneyoumightknow2795]

I still managed to be in credit card dept :|

[@disturbiannah]

Oh me too. I'm Australian, have no debt but I DO have a credit card. To me, watching this is preventative financial care.

[@callistatate5504]

I’m nosy about how much youtubers make. Im seriously so interested

[@noapeled2481]

you should watch ashley aka bestdressed videos she talks about it super openly

[@von3689]

Ikr, apparently youtubers cant talk about it, it's literally a written rules

[@SunSooTae]

@@von3689 She literally said how much she makes in this video tho haha

[@perrinkendall5716]

Shelby Church posts vids about this

[@hellotheir1427]

Rilu Granchester who wants to be a YTbr. Its full of c*cksucking to audiences like us and advertisers till money runs dry. Its just a quick buck and hopefully invested well.

[@SybilNix]

I’m just so relieved to know I’m not the only one who racked up $10k in CC debt due to being an unemployed student (who ALSO wanted a couple nice things every once in a while) Unfortunately I can’t get approved for a balance transfer CC due to my DTI ratio, but I’m working on it!

[@fromthebaywithlove4387]

It’s really helpful hearing another young adult talk truthfully about finances & im emo now because I have hope!!!!

[@KristenLeo]

Don't have any debt but still enjoyed watching the entire video :P

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@pourmay4932]

Here webhackcyber TELEGRAM for successful clean up your inquiries legit, it’s the best

[@boopthenose9704]

These replies are cursed

[@bbygirlk94]

Thats so funny, once I became serious about my finances I also became obsessed with everyone else’s finances lol. It’s so interesting! I wish people would talk about it more! I love sharing my story and offering advice I’ve learned along the way

[@malenaoliveira2231]

People think that it's something too personal to share, but I disagree, tabus lead to misinformation. My grandma was so private about her finances that she didn't realize she was drastically underpaid until my mom found her paychecks.

[@adajmahal2671]

Do you have a blog or anything on your finance stories? I’m 19 and overcome with seeing people my age move out and buy their own cars and just seem to have their lives together but I have no idea how they do it.

[@bbygirlk94]

@@adajmahal2671 I don't have a blog, but I was thinking about starting one! Don't feel bad about not being able to do things at the same time as everyone else. Everybody's situation is different! I was able to move out at 19, but I was working 2 jobs, cut my expenses, and saved any extra money to do so. My biggest piece of advice is to set up a budget. What has always worked for me is paying my bills first, then whatever fun money I have left, I withdraw and keep that with me in cash. When the cash runs out, I no longer keep spending until the next time I get paid. Don't forget to pay savings! The amount doesn't matter, just keep saving. It'll definitely grow over time.

[@adajmahal2671]

keidra corbin thank you so much that’s a great plan! Sometimes in the society we live in it’s hard not to compare but you’re right. Everyone lives different lives therefore lives at different paces. But I’m definitely working on my saving habits. And yes you should really should start a blog it’d be so helpful for those of us who need a guidance or that extra boost. I really appreciate everything.

[@bbygirlk94]

@@adajmahal2671 no problem!

[@medioreblatherskite]

Watched this during a time where I had a huge bout of wanting to change my entire wardrobe and fashion style but unable to really afford it.. LOL thank you for putting my dumbass in perspective.

[@poppy4280]

Been watching you for what feels like literally 10 years and I can't believe how grown up and adult you are !!! Incredible !!! I'm inspired by you

[@astalasraluca2375]

So this is how an adult should act, cooool

[@rn4796]

Astalas Raluca honestly this is how i feel

[@eugenemakes]

HA yeah literally this

[@meikvincenco1584]

Adults don't get into credit card debt. Taking out a basic loan is better than that. Working overtime is better than that. Student debt is better than that. Asking relatives is better than that. Putting off going to college for a year or two whilst you live with your parents and save money is better than that. Are you certain you want to look up to somebody who acquires 10k worth of debt with an interest rate of 20% and only manages to pay that off because of luck?

[@meikvincenco1584]

@@florencesb8872The point is to advise people who don't make a fortune on KZbin to seek out other options of financing their education. I worked two part time jobs on less than minimun wage and had a side hustle. Like I said, spending a year or so living with your relatives working is a much better choice than taking out debt that has an interest rate in excess of 15%. I know that the comment section is full of women who prefer feeling like they are doing well over making progress. Say what you will about me but I am trying to help people with actual advice. Do not under any circumstance take out credit card loans unless you are planning to repay them before the interest kicks in. Never. If you have already done so, then focus all of your work and time on paying it off in full as soon as possible. Don't go get your nails done or the movies. Don't party or go for coffee with your friends. Don't buy stupid stuff like energy drinks or cigarettes. Don't watch some KZbin video about how someone finally paid off their debt in order to feel better about yourself. Pay it off in full or you will die poor. I am saying it because I care, not to jerk myself off.

[@caitcancreate]

The support thing is the toughest. People get super pissed when you don't indulge in their spending sometimes.

[@janelleberrun5124]

I lost a couple friends when I started to become responsible about my financial situation. Guess who is student loan free, car loan free, and about to purchase a nice home that I can pay off in 8 years. It is worth it I promise! Keep going!!! Now those friends I lost wished they would have gone on the journey when I started, but it's never too late! Take control!

[@theclaypixie]

Love how open and honest you are in this! People not talking about wages and salary makes it a stigma. We should all be more open about our pay!

[@ahmetoztiftik3760]

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss 💪🏽 850tycoonsrepair🎡com

[@reynahoupt6405]

Your transparency is true breath of fresh air on this platform! Your content is *RAD* 😎

[@sarahhawkinson]

thank you so much for making these videos! it’s so inspiring, I myself am working on paying off 30k in debt which is all from my credit card, student loans, and sadly IRS debt because it took my years to figure out I had to pay as I go. you’re not wrong paying taxes yourself is so hard but this has also been my best year financially and am chipping away and finally seeing progress! :)

[@Anna-pd6dc]

Yay Sarah!!!

[@Anna-pd6dc]

Why is it so fun to see your faves comment on your other faves

[@donepatrick5248]

Thanks for the great and legit work on my debt credit sir. @hack666247 via TELEGRAM ✌️

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@pourmay4932]

This is awesome👏 I'm 100% thankful sir (7-1-2-3-6-4-1-4-1-7)

[@0411emc]

Girl I’m in such a similar position. I’m trying to pay off student debt on a 36k salary. I’m very underemployed but I can’t do anything about it right now. We’re all in this together

[@kristina______3062]

Your story doesn't sound like you have ever been bad with money. As you said, sometimes you can't afford your life otherwise, so yeah...That is what the debt is for. I think there is a major difference between getting into debt by irresposible shopping, partying and living well above your means and simply...being able to afford your the costs of your everyday life and education. Some would argue that going abroad is irresponsible if you can't afford it, but honestly? It is such an unique opportunity to have as a student, it would be crazy to miss it, if you are able to find a way to pay for it later. You are doing great and I am so happy for you! ^^

[@kittenswithbows]

Give us the crossover we deserve! Tiffany Ferg & The Financial Diet

[@jackkaczmarski]

kittenswithbows Tiffany Ferg and Graham Stephan

[@technojunkie123]

@@jackkaczmarski no

[@nix2747]

Right?!? I love the Financial Diet!

[@kittenswithbows]

@@jackkaczmarski saw Graham Stephan on the financial confessions, cant say I'm a fan. He was very unrelatable.

[@thelostpumpkin4146]

Lifestyle creep is so hard and so real. All it takes is me buying coffee out like two days in a row and my brain is like 'cool, this is what we do now!'

[@erinptrsn]

Congratulations! I remember when I finally paid off my debt. It felt so freeing not be bogged down with payments!

[@nicolel6061]

I discovered your videos today and fell down a hole of watching so many of your videos. I absolutely love your critical approach and think you are truly a shining light on youtube and you deserve much more recognition. sending so much love

[@sunshinerose2603]

you are SO deserving of that financial freedom girl!!!!

[@Kaikive]

I have about 46k in debt lol It's my student loans and credit card and I'm always overwhelmed but I'm trying so hard to pay them off! I do a variation of the snowball method but give myself room for coffee. I don't really go out much so that helps too. Love these videos!

[@luciedonze7368]

Good luck! Keep going that's great :) hope I will make it as soon as possible and still be able to be 😊

[@Vickynger]

i can relate so much! i know something like starbucks is expensive when i have literally no money, but NEVER treating myself to ANYTHING is just so depressing. bc i also dont go out much i just wanna sped time out of the house sometimes. and in winter i can hardly go to the park with my own coffee from home... so yeah, even if my budget is super tight, i allow myself coffee from time to time.

[@Kaikive]

@@luciedonze7368 Thank you!

[@Kaikive]

@@Vickynger Exactly! Being overly restrictive just seems harder to do. Every once in a while isn;t so bad!

[@emmabarnes3145]

your voice I so smooth and satisfying. I could listen to it for hours (as if I haven't already) GET THAT COIN!

[@munkim7663]

Congratulations on being credit card debt free! That is such a great accomplishment! I've been trying to payoff my credit card debt and I know how difficult it is! Kudos to you!

[@miss-megative2683]

I CANNOT wait for you to post a video being debt free! 💕

[@stephandden]

miss-megative wouldn’t that be nice haha!

[@dupaincheng]

congrats, im proud of you for paying it off! also thank you for being so open about this, many youtubers keep their income/finances strictly under wraps but this was actually a very interesting and educational to video watch

[@cristalespinosa7696]

You are one of my favorite people on KZbin. Thank you for existing.

[@bevscraftystudio]

Yesss I love watching these types of videos it helps motivate me !!! Currently paid off 3 cards now working on the next 3 😊

[@OliviaJoyceee]

The camp counselor bit, very accurate

[@binge.nutritionist]

I just want to say how responsible it was for your disclaimer at the beginning that your situation is YOUR situation, and that nobody should compare theirs to yours. I appreciate the honesty that if you had a normal minimum wage job this wouldn't have been possible. Very responsible to admit your privilege.

[@EReNaToNee12]

I love how transparent you are!

[@kelseymorrisoncrews1779]

I'm inspired by how you don't attach shame to your debt- your spending had repercussions, but you don't regret it. I have a substantial amount of debt from the private university I went to and I wish I had been smarter about the financial decisions I made in college, but at the end of the day I'm very grateful for my college experience and wouldn't have it any other way. Thank you for also talking about spending, within reason, on things that bring you joy. I'm also tempted to feel ashamed when I spend money on things that aren't essential while being in debt, but I recognize that occasionally going to coffee shops or going out to a meal with a friend is so good for me. This video has motivated me to have a stricter budget and debt payoff plan, while putting into perspective what is best for me. Thank you!

[@prpletay724]

Ugh this is so motivating! My credit card debt isn’t that bad but it definitely needs to be handled. My student loan debt is a-fucking-lot but with this video and doing some calculations I’m motivated to really tackle it! I did one of those calculators and I could have my lowest loan paid off in 15 months if I stick to it! Everybody we got this 😭

[@flipflopsandsocks50]

I love that you’re so open about your KZbin earnings! I think a lot of full-time youtubers find it to be taboo

[@jessiekirk997]

Thank you so much for being transparent! These types of videos are so helpful.

[@genevievesmith5277]

I’m a finance freak and these are my favoriteeeee videos & I absolutely adore you!!! Perfect combo 💗💗

[@carolynviggh4039]

Thank you for being so open about your personal finances and income! I think it is so important for women especially to be open with each other about how much we earn so we don't get short-changed. Even in self-employment situations its important.

[@martabeneditobernat8469]

this one for the algorithm

[@cml6109]

I can't thank you enough for this video. I love how the video is actually about title LOL. This is actually my first video of yours that I've seen! This is so great, thank you!!! I love this, I can't wait to try some of your tips. Thank you a million!

[@bethanytea3434]

Writing this comment while I let commercials play out for your money journey. ❤ (I normally just skip) I whole hearted appreciate your openness about your finances. Your thought process has been wonderful to learn from. Keep up the amazing work!!!

[@LauraWalez26541]

Yes girl! I’m struggling in college with credit card debt and this is refreshing to hear some helpful tips. A lot of my friends don’t have these same problems so I’m thankful there are other people out there willing to help others

[@erinsymone1645]

Congrats! My money hype song is "B**ch better have my money" by Rihanna LOL. So glad I'm not the only one with a money hype song

[@erynnsmith8894]

this is inspiring to me! I always felt so alienated and like no one was in debt or struggling because everyone else is fake happy, so this is nice to see. I'm about halfway done to paying off my credit card debt and then I'll graduate and have student loans *sigh*

[@Tippie_T]

Late to the comments section but thanks Tiffany! Always love that you are here when I’m in need. Always a fan

[@lunalovebuzz]

Me: * was also born as a libra in October 1995 * Tiffany: 'So I'm 24 now' Me, realizing: *'Oh my god we're 24 now'*

[@aileengarcia9265]

Luna Lovebuzz same

[@allisonmallory2641]

Same

[@mhussey9841]

Thank you for sharing this and being so open about your income, budget, and debt! So often with money matters it’s easy to struggle simply because you don’t know where other people are or how they are tackling financial issues and I think more openness about finances helps everyone.

[@dianafernandez5142]

i just found you and i’m obsessed with you! you’re so knowledgeable and i’m here for it!!

[@carlatoppins8567]

Go You! I found your video by way of The Rachel Cruz Show and she critiqued the awesome points you discuss on your debt-free journey. I relate to mostly everything you said here, especially noting the satisfaction you gained in correcting your teeth (coughing up the monies) being worth it. I to just cleared my financial situation from a ton of credit card debt and feel a load has been lifted off me. I am focusing now on saving and behaviors that will keep me DF. Thanks for sharing your story I found it very encouraging you are light-hearted and very comical. Stay Blessed!👍🏾😉💗✝️

[@thamzingannie]

I love how transparent you are with budgeting and debt, its something so many of us have issues with. thanks gal and congratulations!!!!

[@Abby-yl3nv]

12:41 like if Tiffany SHOULD dance again

[@ah-ss7he]

Strip? Stripping makes good 💰

[@valariegaines3550]

Randomly came across your video! Glad i did. The algorithm is working. Thanks for the question and answer session!

[@1992Hilly]

I usually watch your internet analysis stuff... I don’t really care that much about the money/budgeting videos. But I want to support you as much as I can. That’s why I’m watching all those videos now. And tbh I could listen to you talk no matter the topic. Keep up the great work

[@emilyslack6209]

dude this came at the right time for me omg. I am starting to get student debt (on my 2nd year of community college) and I've told some of my friends about my debt payoff so I stay accountable. I paid off my first loan and am saving to a) pay off my current $7,000 and b) save for my four year. Tracking income isn't something I've thought of. I'm going to get on top of that. I work a LOT (i have 3 jobs oooof) but now I have some tools to figure out what to do with my money.

[@burntpoptart7139]

i always learn so much from your videos, i feel like you’re my big sister! i come from (and am currently living through) a relatively similar upbringing to yours, and i really admire how well you manage your money. it’s inspiring to see you, as well as your channel grow into such a blooming success. thank you for making the content that you do :)

I absolutely loved this. Keep the great work! Proud of your progress

[@manonmx9082]

Kuddos to you for being so transparent ! I feel like money is so taboo in our society, moreso with lots of youtubers who seem like they are ashamed or shy about the money they make with youtube. I'm actually really happy to have maybe supported you even a little bit by watching your videos! Really love them tho, so thats what i would call a win win situation :D ! Keep up!!

[@SimpleHappyZen]

I've been enjoying your videos for a while and I'm so happy for you that you've been able to pay off your CC debt, also that your channel has been doing so well. Definitely much deserved :) I'm sure you'll hit the 300K mark soon!

[@zeni6450]

This is so insightful Tiffany so proud of you!!!

[@kaitysavannah4970]

your videos are some of my favourites! congrats !

[@icarly2000]

Girl, this video is SO good.

[@kenyontarquinio1553]

I was just binging your other money-related videos yesterday. So proud of you! 💗

[@plantsb4pants978]

I'm so happy for you! And thank you for being transparent with how much money you made and where it went and all of that. It's so helpful to not just be guessing about all of that! Really appreciate you sharing this (:

[@TessaNewberry]

I'm late to the party but I think it's so awesome to see other people my age attacking debt and being open and excited about it. I chose to move back home with my parents because I'm lucky enough to have them live near my work and for me to get along great with them. I think some of the people think I'm a little crazy for doing that. But I've been using the money I save to obliterate my student loans. Every milestone I hit I celebrate with all my friends (usually a screenshot and some compliments from them haha). But honestly these little celebrations keep me so motivated. I even felt like I was celebrating my most recent student loan milestone with you when you were talking about yours (just went sub 8k!). I wish more people were willing to talk about and celebrate debt reduction. Good luck on paying off the rest of your debt 🥰

[@hanusiahiggins9789]

Congrats girl! This is such an accomplishment!!

[@sojatom8428]

I was folding laundry while watching this video. I was in my zone and doing my thing. And then you asked for a like. I don't know why but I just liked the video right away. You see, just like, somebody ask you to do something and you just do it. "Could you please switch on the lights?" "Sure!" "Could you please like the video if you like it?" "Liked." Then I continued folding laundry. I think it didn't register in my head. Once the video was over, I started laughing. So, I thought I might as well leave a comment. SO, now, do your thing KZbin. P.S. I love these kinds of videos. These are so satisfying. I feel happy to see others getting their life together. Further, it motivates me to stay on track. These are like constant reminders.

[@xxHILBORNxx]

This video was super inspiring! You always make issues really approachable. I’m very afraid of starting a budget bc I just hate looking at my bank account, but your success is motivating for sure!

[@arielleesch2163]

It’s honestly really cool to hear that you bought your first car and paid for your gas and insurance too! I was also in that boat at 16 and it was tough 🙌🏼🙌🏼

[@xloveandmayhemx]

Thank you for being so open and not condescending to us viewers! Really motivating to get my own debt down!

[@jenniferwillams9647]

Jade P. I can refer you to someone Mystery_hacker99 on ??nstagram....he’s an expert

[@sullivanculhane9142]

The only youtuber I’ll sit through ads for 🥺

[@doinavasilev8339]

If the algorithm doesn't like you, at least you know we like you a lot!!

[@simplesgood7694]

You have done an amazing job!!! Congrats on you credit card pay off!!!! You’re amazing!!!

[@lisamassey8541]

You should start putting a small amount in a retirement fund - even 2% makes a difference. I started when I was 22 and it has made such a difference to my overall financial comfort long-term.

[@xunneighliu8759]

congratulations, hard work pays off!

[@maggieboyle9275]

you're going to be sooo financially literate by the time you're finished paying these debts off completely

[@shorellmark3718]

Risk is better than regret, I’m glad today I never fall into scam, all thanks to you Contact - 1 ( 9 0 1 ) 4 0 1 0 3 1 6.

[@phoebeday7004]

You should be so proud of yourself! Budgeting is extremely hard on a flexible income this is very inspiring !

[@elisabethgraham866]

I had 350 credit score because I was young and dumb. Now 31 I’m still working twice as hard to get it back up...

[@Cyanopteryx]

You don't need to worry about your credit score in most cases. Focus on building a safety net fund and getting out of debt before making any decisions that may require you to have a high credit score. Also, if you get to a point of financial stability and you're ready to put money down on something like a house, you can go through a manual underwriting and vastly improve your chances of being approved regardless of your credit score.

[@celestialcass]

Commenting for the algorithm!!! Good luck paying off the rest of your debt Tiff!!

[@nikitashetty3691]

You're awesome!! I'm so invested in your journey, I can't wait till you pay off all of your loans! :)

[@lohertt8062]

I love these finance videos, keep them coming!

[@budgetingforfinancialfreed5227]

Congratulations!! 👏👏🎉🎉 You are killing it!