It sounds interesting. But that is,,, it only sounds and/or looks,,, but in reality,,, it does not seem so feasible to reduce the debt quickly,,, and therefore; stop giving away money that we do not have to the bank.
OMG I love this! You are so smart. Between the banks and the government we’re screwed. I’m 76 and am still paying on a proposal through BDO. Can’t afford the 650. They are charging me for 5 years. I did this when I had a business. Now I’m no longer in business so comes out of my pension. Everyday I try to figure out what I can do to get out of this mess. Keep up the good work . ❤
@@patriciaosuchdo you have overdraft protection set up on your bank account? ODB what is a stand for is it overdraft balance? Jc damn I hope you get things figured out I'm sorry that you're struggling so late in life have a hunting feeling that most of middle-aged people in the youth are going to be an extraordinary debt If people do not educate themselves soon and implemented early in life it's something like after the age of 18 every year that you don't build credit hurt you by 5 years and by the time you get 21 every year it hurts you by 7 years. This is coming from a very old article that I read a long time ago take that with a pinch of salt but it makes sense
@@patriciaosuchwait until the social credit scores become mandatory. And not just credit scores that are semi optional now. But that's coming, it's already is in some countries to get your own money out you have to use facial recognition open your mouth and everything and have the AI count your teeth to get your own money. If you've done everything right ✅️ B say the A.I system is down of messed up you're not going be able to get the money that you've already worked for so that you can do something as simple like to get groceries to feed your family.
You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life
Well explain thank you for bringing up this video Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. The value of the US🇺🇸dollar is declining due to inflation, but it is increasing in comparison to other currencies and commodities such as gold and real estate. I'm worried that rising inflation will cause my 550k in my retirement funds to lose value, But with the help of Mrs Maria I hit 220k this week from my investment of 45k, I am truly grateful for all the knowledge and nuggets you have given me over the past few months.
@@FranciscoLopez-sw5jgyes you do . If you are paying it off all every month then no interest but if you have 10k debt for example you gotta pay 350$ min payment and 250 interest every month
Snowballing is much better. Pay minimums on all CC except your highest interest card. Pay the monthly minimum plus a set amount you can afford every month to pay that off. When it’s paid off, take the payment you were making and apply it plus the minimum payment to the second highest interest CC until it is paid off. Keep using that strategy and by the time you get to your final card you are making massive payments and it will be gone in no time. It works and there are worksheets you can plug your numbers (don’t forget interest) into online and it will spit out your payment routine complete with payoff date. Then just be disciplined and follow it.
I'm using your strategy and it's working better than his strategy causebyou just charging you cards each month to cover that 2 grand you paid on that one card.
@@ninamatthews8747 You might be right. Either way has proven to pay off debt quickly and to save a lot of interest. IMO you can’t go wrong with either as long as you have the discipline to do it.
Not sure about where you live but my mortgage provider, car payment, and loans will only allow me to do and ACH out of bank or debit card. I get paying for groceries and gas and other living expenses like utilities on a cc as most companies allow you to but some many don't. I need to see how you pay cc down without racking up more debt!😊
The are process nowadays that will allow us to use a CC to make a Mtg and Car pymt, Velocity banking covers it in other videos. PS: He's not paying his rent ($1,000) by CC in this video. He's depositing the money ($2,000) in which companies allow him to pay by CC. His monthly pymt is only $400, he dropping in $2,000.
I have multiple cards so I can’t do this anyway but how the heck can this even work? In the video every penny minus the 1000 rent is going to the credit card. Ok that sounds great but that 1600 for other expenses is now being added to the Credit Card Debt? I don’t get it Anyway it worked for you So Congratulations!
@@ScottMacLeodCompany OK so this is how it works. The card can be maxed it doesn't matter. You are taking your paycheck and putting the whole paycheck onto the card 10,000 debt and you take 2,000 of income and put it onto the card. The balance is now 8,000. Then you use it for the 1,600 in living expenses and your balance goes back up to 9,600. Then just repeat...
@@joshprice32000so u dedicate your check (minus rent) to your CC debt. You lower your debt in the process, also taking care of the minimum payment, using the credit availability for expenses but leaving a remaining for what would be the next minimum payment?
Just overpay on maxed out cards and take advantage of all your perks. It's not a whole lot, but over time, you'll build credit, and you build an emergency fund that works for me, and if you pay before the credit is reported the percentage will allways be 0 if you don't carry a balance
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@@DietzstroyerIn a way, but it allows you to pay less interest. I did this forever ago to pay off my cards. All my bills were autopaid on the CC. I'd pay my mortgage then throw everything else into the CC. As the bills get paid throughout the month you start accruing interest on that money, but if you had kept that money aside or paid all bills on the 1st you're paying interest all month. Remember that your APR gets broken down into a daily rate and you get charged interest daily (on purchases past 30 days old). That extra step lets you owe the least amount on your balance and pay the least amount of interest. If you can make a spreadsheet you can run the numbers yourself. This whiteboard demo is simplified and has some minor inaccuracies.
Bottom line is: ones you "Pay" that 2k to the CC balance, they immediately will lower your available credit to ZERO and will do exactly the same until you extinguish your balance. By Consumer law USC 15 & 1605 (Finance Charge) is "Sum of All Charges" that you liable for.. You Extend "YOUR" credit, then Why are you "Paying" to Somebody else? They are only 3rd Party Fin. Servicing Company Entitled to collect Fees for Service Provided.. They did NOT lend you anything. You are "Paying" because your are dumb and refusing to read anything other than comment section under the YT videos.. At least read what US const, Article 1, Sec 10 says about "Paying DEBT".. You Cannot Pay Debt with Another Debt, you've been duped.. Good luck.
@@skybiz4520 what you’ve just said is one of the most insanely idiotic things I have ever heard. At no point in your rambling, incoherent response were you even close to anything that could be considered a rational thought. Everyone in this room is now dumber for having listened to it. I award you no points, and may God have mercy on your soul.
@skybiz4520 Can you please explain this to me a little simpler? Sorry Im not savy about these things. I was considering trying this until I read your comment (thankfully)
One of simplest ways to reduce your total interest paid on your credit cards is to make your payment to your credit card the day after the closing date, not the day the payment is due. That way there will be less days to charge interest.
Late Fees apply if you Don't pay by the due date, previous month finance charges are assessed on the cycle date. Interest is calculated daily from the previous month. Credit cards are always one month behind. Best thing to do would be to pay the minimum due by the due date and then pay extra payments immediately starting after the cycle date because that lowers the amount balanced for the finance charges to be calculated against.
@@Mikajja I guess I wasn't clear. Make the payment just after the closing date which is usually 2-3 weeks before the payment due date. You'll save 2-3 weeks interest.
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
25% interest on $9600 doesn't give you a starting balance of $9600 for next month. You're still falling behind because of recurring interest charges on outstanding balance.
But less interest if you pay before closing date because the cc interest will now calculate on the 8k not 10k. You have to plan it right and repeat. It's the interest that kills us
If that was your take away from this? I would suggest taking up basic math again 🤣 Not to mention.. there are dates that are involved when that 400/mo payment needs to happen and when that 1600/mo needs to be applied in order for you to have and utilize that 1600/mo interest free.. Read the fine print
Good concept the only thing not figured in the math is the interest that gets tacked back onto the credit card balance from the $8,000 balance still owed.
Actually, 21% "Per Year", so 1.75% per Month (21/12)! Or, $175 "Interest" on $10,000! So, the card balance drops by "$400-$175=$225!" So, while his math ignored Interest, the Concept is still viable for someone with No Money Left Over, "So long as they commit to doing it exactly, without spending More!" The Actual Second Month, would be more like $9,775, if he paid the $175 in Interest, and continued to spend the same! Next Month, it could be lower by more that $225, because Interest $ are reducing on the lower balance! Plus, the actual Interest $, are calculated based on "Average Daily Balance" not "Peak Balance!" So, that "$2,000 Big Payment, does drop your Balance by the Full $2,000, until you spand to increase the balance once again!
@@robertweekley5926 RobertWeekly5926 is one of the only one's in the comment section that is explaining this exactly accurately. Robert, you should make a post comment instead of a reply to a comment, so more people can read your explanation. Kudos.
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All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
Actually the smartest thing is to open only zero % interest credit cards…pay the one time 3-4% transfer fee and get 12-18 months to actually pay down the principle with the same money you would have used to pay the minimum (interest only). Rinse wash repeat to pay off all debts, increase credit monthly and use OPM to do it.
Problem is by the time someone has ranked up enough debt to realize they can barely afford the minimums, the companies won't offer them a zero interest CC.
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man, if your cc balance is 10,000 and you make a payment of 2,000 payment, your balance Will Not Be 8,000. Try it and you'll see. Some of the payment goes to interest, not all principal.
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Sir, the way he said to do it it’s the best way…obviously, there will be some interest because you have a balance but the $400 that you’re paying is out of interest now.
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The only way I could see this working is if you are depositing that money a few days before the end of the billing cycling reducing your balance from 10k to 8k allowing the CC company to establish your next months minimum payment which is normally calculated by your APR /12 + 1% of your balance and after that you charge your 1600 worth of bills and then deposit your next 2k before the end of the next statement date. It wouldn't net you 400 every month but it would make a difference.
Look up Velocity banking. This is the same thing. TLDR: You pick the card you want to start with, Doesn't matter which one, but if your smart, the one with the largest balance, the one with the largest interest rate, or where you can get the most benefits by releasing it and using it if you can pay the balance off each month(eg cashback). You just pay the min on all of the ones you are not focusing on, treating it as an expense. Once you finish off your first one, you go to the next on. You do not worry about savings, growing money, etc. You focus on paying debt and nothing else.
Maybe you can divide and conquer your expenses throughout the four cards and just make sure that you’re charging your outgoing cost distributed on each specific card email that you’re paying. But also making sure that the minimum payment covered on each. And if you can, the minimum payment plus interest.
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Thank you very much. I just checked her out and wrote her an email. I'm hoping she responds soon. I've been thinking about doing this for a long time, and I've already procrastinated enough.
Don't use credit cards. I never been to a Starbucks in my life. Home paid off. No vehicle debt, no credit cards. I never went to college, waste of money.
People can't live like that anymore. You're over 50 guaranteed. In today's world people need credit amd credit cards can make you money if you use them right. Look at credit card stacking...
Uh, no. Only use credit cards if you’re a responsible person. Saying “never use CC’s” is just dumb if you’re able to pay your bills. I’m debt free, single income family making under 70k and I have 5 credit cards. Raking in the points every month is just smart money management (5% Amazon and gas, 3% groceries and 2% on everything else really adds up).
This video should be titled "How to make a monthly payment overly complicated." You send $2,000 to the credit card and spend $1,600, thus the balance reduces by $400. That's no different than simply paying the $400 monthly payment.
The $400 you owe to the credit card company is interest. So when you pay $2k on $10k, your balance will be $8400, and you'll go right back up to $10k when you spend $1600, and pay another $400 in interest the next month.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
Your expertise in finance technologies and architectures is truly outstanding… Thanks for getting me the cash flips even before the speculated time. *royal recapture* doing it seems like a norms when it was impossible for me to actually get this done.
This video should be titled "How to make a monthly payment overly complicated." You send $2,000 to the credit card and spend $1,600, thus the balance reduces by $400. That's no different than simply paying the $400 monthly payment.
I had to read a number of comments to find yours. I wanted to see if anyone else figured this out before I stated the obvious. Clearly, it wasn't as obvious as I thought it was. Most people got caught up in interest charges and due dates and completely missed the simple math of it all. kudos to you for knowing how to prove a theory. I, too, was excited about this guys claims until I sat and did the math myself. This video should be titled something like, how to drive yourself deeper in debt by kidding yourself into thinking you don't need to make minimum payments any more. I guess that would be too long a title though.
@@AnonymousMisspeller I've seen this "strategy" detailed on various videos and it's really just throwing out a bunch of pointless information (what monthly expenses you have, how the credit balance decreases when you make a larger payment, ignoring the fact that the credit balance simply bounces back up as you use the credit on expenses, etc)... all to cloud the simple math that is involved.
@magic0423 Every time you make a chunk payment it reduces the average daily balance which is how they figure interest for the month. You are saving money on the interest which gets applied to the balance. More of your payment is going to the interest when you just do a traditional monthly payment and that's how they keep you trapped in debt for years. VANNtastic is another channel who does this. It's called velocity banking.
This was the first thing that popped into my head … there is still $400 being given to the credit card company out of the $2000 if you are spending $1600 that month. I kept saying to myself, “I don’t get it!” It is a good way to get miles and perks though. And probably increase your credit score with timely payments for more than the minimum due.
am paying off 2 cars with 2 credit cards, one which I can't even use, and 3 storage units, but with this new information from this video I would be able to have the cards paid off quicker and be a position to pay for some much needed surgery by roughly 5 yrs am going to start as of next month in November 24 Thanks Andrew for the information shared.
This is a scam. Wont put you farther in the hole but the only thing you save is the interest on 1,600 a month as that cash is always in interest limbo now. If you have 20% credit cards it will save you roughly 30.00 a month. Not really worth the hassle. Better off just being disciplined and if you do have 20% credit cards you need to take some finance courses so people like this dont prey on your desperation. Number one thing is dont use 20% credit cards far anything. They just dig a hole you cant get out of.
I’m still confused. If you put the money that you were gonna spend on your bills toward paying off your credit card and then use the credit card to pay your bills instead of putting your check in the bank and paying your bills out of bank account. Ok but you still end up at zero at the end of the month and your credit card debt is back up to where it was because you put the 2000 in but you also charged 2000 on that card for that month. So where again is the upside to all this?
@nguido6542 I have and still no clarity would u be kind enough to just explain it? If our paycheck goes to the credit card we have to now use the credit card to survive and pay other bills the cards balance doesn't decrease all we have done is paid the credit card the balance Will end up being the same
The idea is that $400 of your $2000 in expenses is the CC payment. By putting $2k into the CC that covers the monthly payment plus $1600 extra for your expenses which means you essentially paid an extra $400 on the CC balance.
Almost similar result if you are doing like this. If your minimum bill is 400$ and the interest may be 175$ for 21% interest rate for 10000$. If you want to close the credits in 2 years you can pay 400$+175$ = 575$ and spend 1425$ regular bank account. If you just pay 400$ every month it result in deduction of 225$ and next month balance will be 9775$.Here in this video paying 2000$ and spending 1600$ only.Which is similar as paying 400$ every month. If you are just paying 600$ every month you can pay 10000$ in around 20 months. Most cards having different statement date and payment date. Possibility of missing bill payment and get fined. Thanks for the video it showed the exact point of paying the credit by increasing more capital.
Paying off a credit card every month is good, but you can't make the payment on the due date. You need to make the payment before they send the report to the credit bureau so that every time the bureau gets the report, it always shows a zero balance
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Oh man! I feel so stupid now after seeing this video. Gosh, why didn’t I see this video earlier 😢 now I have been sued by a credit card company after I stopped paying because I lost my job. This is really gonna help me a lot!💡
Do it on one card first, once that is cleared move on to the second one. Probably have to keep they second cards payment in cash in your bank as not all cards accept payment from another credit card.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
This is not accurate. If you have a 10.000$ balance on your credit card and pay 2.000$, that’s not all going into principal because you have to pay monthly interest on that balance. For example, if you have a 24% interest rate on your card, that equals to 2% monthly, which equals (on a 10.000$ balance) to 200$ interest. When you pay 2.000$ to your credit card balance, only 1.800$ is going towards principal, the rest is interest.
@@elliott7384let me help you both !! Your cards are maxed right but you’re still paying bills with your debit card. His point is to take the $200 cable, $800 car note, $100 electricity, and pay that $1,100 to your car +$400 that you usually were paying. Doing that, you don’t pay interest on the $400 and get points or miles because you are making more transactions.
The problem I see are the monthly expenses. If you have 3,000 1,000 goes to mortgage. Leaving you 2,000 of other bills. If you put the 2,000 on the card and reduct the balance to 8,000, you will use the 2,000 you just put on it to pay the rest of your bills and be right back at zero bank account balance and 10,000 on the card.
As long as you are timing it right your total expenses aren't $2000 anymore. You put the "cash" of 2k to the credit card around the time the payment is due, that $2k "cash" is paying that $400 payment. Then pay the rest of your expenses ($1600) with cc. Your bank "cash" balance will be the same as if you're doing what you're normally doing, but now your credit card principal is lowered.
@ryanmcmullin3567 No, it won't be lowered because you still have $1600 in other misc bills that need to be paid with the remaining $1600. The $400 credit card bill comes out of the $2000 total bills.
This is definitely interesting and thank you, andrew. I'm assuming we can't put all of our earnings ran into our credit card because we do have to leave some money in our checking or savings account to be able to withdraw cash once in a while to pay for smaller expenses. We also have some bills that are credit card doesn't allow US Auto withdrawal so we pay them out of our checking account as well. I'm trying to think of a formula on how much to put right into the credit card versus how much of my wife and eyes earnings to go into our checking account.
That's why it's important to do a monthly budget. If you budget your expenses and stick to it, you will be safe if you deposit your income into the CC and then use the CC to do your budgetted expenses. Makes total sense!
Am I missing something here... your still putting your .monthly expenses on that credit card ... how are you paying down the total balance on card if you continue to use it? Someone explain it to me if I have it wrong....
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Here is a problem this strategy will not fix. You have $3,000 in income a month and total credit card payments of $3,000 a month and you are already using your credit cards for expenses such as food, gas, phone, etc.. Paying only the minimums and your cc balance keeps going up because you are using them to survive. Now there is homework for you Andrew. Fix that one.
@joee5081 If this is your real situation and not a hypothetical one, you either are unemployed and using credit cards to float, you need to increase income because it doesn’t cover your basic expenses, or something else. Without additional income, you will have to keep making minimums indefinitely without things improving or you’ll have to consider filing bankruptcy. You can also consider a Debt Reduction or a licensed Consumer Credit Counseling program where they can help you negotiate a reduced interest rate while in the program.
Love the video Brother! Best wishes! Gonna work the plan little by little, still gotta pay my bills, but gonna use all extra money to pay off cards immediately. Especially, with my tax return and yearly company bonus.
Hi I liked your teaching. However, as a lot of people shared you did forget to calculate the interest in. But it's still a good idea to do this. And they will save $ 420 a year on interest and gain a lot of points which will gain the money.Also their credit score will go up!
So the theory is if you pay $2000 directly on the card it covers the $400 payment on the card. But if you pay the $400 on your card, and then $1600 to your normal expense, the $400 doesn’t count?
You're still paying the $400. Lol If you notice, you're putting $2000 on the card. Only. Paying $1600 in expenses. That still leaves the $400 that you're paying on the card. 😂
@@tsadaqah what do you mean leaves $400? If you put 2000 on the card and then use the card to pay the 1600 you would have in the first place, you’ve added an extra unnecessary step. I’m not seeing the relevance.
@kevindietz1568 you pay $2000 on the card. You charge $1600 for your expenses. $2000-1600=$400. There is your normal credit card payment of $400. That is why his math doesn't add up because you are paying the same thing as you are either way. Plus, in his scenario, he doesn't show the interest being added each month. I think you and I are saying the same thing, basically.
fantastic video and i did not know how to clear my credit cards. you have opened my eyes to clear my debts and make money to improve my quality of life. thank you and will watch more of your videos and have a great day.
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What about if the credit card cut the credit available from $10K to $2K after you first big payment ?? 😂 Game Over ?? That's happens.. Trust me , they see you like a high risk ...
Be careful doing this. Credit card companies are shady and will lower your limit as soon as you make a large payment and then that money is no longer available to pay your other bills
Mine credit company has not lowered limit at all. They actually increased it when I pay the whole thing off at once. I don’t have high limits to begin with. I have a 1000 dollar limit.
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Okay Andrew,,, Forgive me, but the explanation is not clear! It is more; it is confusing.! You don't talk about the new interests... And if we deposit $2000 and then, we spend it again; since there is no cash flow,,,, what is the point.? Where is the profit.? Can you explain the case with more precise numbers.? And slowly... Thanks...
@@ChereWealthStorm it’s really not because you can’t pay mortgage/rent, car note an some utilities with a credit card. So to put your months / weeks pay on your card is foolish
I’ve tried this…why doesn’t it work for me? I get my pay, I put the majority of it on my credit card. So, then there’s enough room to pay my rent, w said credit card. What then?… the credit card balance goes back up to what it was, before I paid my rent. So, it never goes down… what am I doing wrong???
@bitKitty Yea, it will work with 0 and negative. Are you putting the majority of your paycheck in the line of credit. If you need help with reviewing what you have I would love to help.
Most people missed the fact of him saying you can benefit from “when” you pay. So if you change your credit card payment a day or two after payday and before other bills, you essentially lower the interest owed by paying $3k off.
At the end of the month, they'll change your banking account with the 400$. But your account is empty because you put all in the CC. SO you'll have take that 400 of your CC and put them in your bank account to pay the monthly charge (including the interests). However this system can let you save something as they'll charge you less in interests, so can repay the 10.000 in less time. But only a little less.
Also with that said, if the person is disciplined enough it could be an incentive (using this method) to leave more of his earnings onto his credit since he's using it like his checking account so to speak.
You pay them out of the bank, you only pay to the cc the money left over from the budget once your bank only payments have been taken out I use vb to pay for shopping, fuel and ele bill, rather than keep the money in my bank I use it to lower the balance and save my self some interest, this also stops the cc moaning at me for not paying it off quicker and not using the card, the cc are happy as they make money on my transactions and still have payments coming in
You’re still paying the credit card on the payment due date. You need to flip the credit card to pay on the statement closing date to pay it off faster. 🤔
@@yoyoyo3531 The credit card interest is per day. The statement, clothing date interest is added to your credit card. 28 days later is your payment due date. You’re paying 28 days of extra interest on top of the regular interest added on the statement clothing date each month. When you look at your credit card statement, it says an amount is due on the payment due date . My credit card statement says zero amount due on payment due date. I make the normal payment due on the day after the statement closing date. I wipe out the statement closing date interest from the day before and I don’t pay 28 days of extra interest.
Yes you can,Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
Go to the bank and get a personal line of credit instead of using a credit card....or at least, thats what someone suggested....might be worth checking out...
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To whoever did the editing on this video, when you switch to another angle, keep the good audio, don’t also switch to the audio of the other angle 🤦🏻♂️
That's all incorrect, you are not taking into consideration the monthly interest that must be added back to the balance at month end. Very misleading idea.
Ok. So if you pay 2000 a month but only use 1600 to ezpenses. Effectively meaning 400. . Which would be 25 payments of 400. The. Allow for the fact that once you have2000 left the card is paid off. (2000/400=5) That is still 20 payments. That is with no interest being charged. The credit card company will be charging interest on the card because your balance is at 8000. Etc until you get to 0. So his way is better but nowhere near the 17.5 months he claims.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
Your expertise in finance technologies and architectures is truly outstanding… Thanks for getting me the cash flips even before the speculated time. *royal recapture* doing it seems like a norms when it was impossible for me to actually get this done.
Man I wish I would have known this 10 years ago you just dropped a lot of information thank you so much I'm sharing it with my business partner he has a bad credit score too I hit a moment where I didn't have money coming in and everything hit the fan lost a lot of my credit score and now I'm trying to get it back I hit down to a 570 I'm looking to turn it around I just got a check in from some real estate I sold I'm in the real estate but now I'm ready to take off like a rocket ship
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It sounds interesting. But that is,,, it only sounds and/or looks,,, but in reality,,, it does not seem so feasible to reduce the debt quickly,,, and therefore; stop giving away money that we do not have to the bank.
OMG I love this! You are so smart. Between the banks and the government we’re screwed.
I’m 76 and am still paying on a proposal through BDO. Can’t afford the 650. They are charging me for 5 years. I did this when I had a business. Now I’m no longer in business so comes out of my pension. Everyday I try to figure out what I can do to get out of this mess.
Keep up the good work . ❤
This is good advice or insight but now credit card companies (at least in the UK) now started to charge interest immediately.
@@patriciaosuchdo you have overdraft protection set up on your bank account?
ODB what is a stand for is it overdraft balance? Jc damn I hope you get things figured out I'm sorry that you're struggling so late in life have a hunting feeling that most of middle-aged people in the youth are going to be an extraordinary debt If people do not educate themselves soon and implemented early in life it's something like after the age of 18 every year that you don't build credit hurt you by 5 years and by the time you get 21 every year it hurts you by 7 years.
This is coming from a very old article that I read a long time ago take that with a pinch of salt but it makes sense
@@patriciaosuchwait until the social credit scores become mandatory.
And not just credit scores that are semi optional now.
But that's coming, it's already is in some countries to get your own money out you have to use facial recognition open your mouth and everything and have the AI count your teeth to get your own money.
If you've done everything right ✅️ B say the A.I system is down of messed up you're not going be able to get the money that you've already worked for so that you can do something as simple like to get groceries to feed your family.
You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life
Well explain thank you for bringing up this video
Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. The value of the US🇺🇸dollar is declining due to inflation, but it is increasing in comparison to other currencies and commodities such as gold and real estate. I'm worried that rising inflation will cause my 550k in my retirement funds to lose value, But with the help of Mrs Maria I hit 220k this week from my investment of 45k, I am truly grateful for all the knowledge and nuggets you have given me over the past few months.
Maria davis program is widely available online..
How
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I'm glad to write her tay I do hope she will help handle my paycheck properly
Can I start with as low as $1000
The math is wrong. Month 2 would not be $9,600. It would be $9,600 + the credit card interest on the balance for that month.
🤦♂I don't get interest if I pay off the monthly minimum.
@@FranciscoLopez-sw5jgreally?? What cc is that? 😂
Easy put money on cc you pay if off when it’s due don’t get in debt lol
@@FranciscoLopez-sw5jgyes you do . If you are paying it off all every month then no interest but if you have 10k debt for example you gotta pay 350$ min payment and 250 interest every month
@@FranciscoLopez-sw5jgYou still pay (accrue) on interest on the outstanding balance even if you don’t pay interest on the “new purchases.”
Snowballing is much better. Pay minimums on all CC except your highest interest card. Pay the monthly minimum plus a set amount you can afford every month to pay that off. When it’s paid off, take the payment you were making and apply it plus the minimum payment to the second highest interest CC until it is paid off. Keep using that strategy and by the time you get to your final card you are making massive payments and it will be gone in no time. It works and there are worksheets you can plug your numbers (don’t forget interest) into online and it will spit out your payment routine complete with payoff date. Then just be disciplined and follow it.
I'm using your strategy and it's working better than his strategy causebyou just charging you cards each month to cover that 2 grand you paid on that one card.
Or you can get a zero interest and transfer the higher interest then snowball
Isn’t that avalanche? Snowball is paying off the lowest balance first.
@@ninamatthews8747 You might be right. Either way has proven to pay off debt quickly and to save a lot of interest. IMO you can’t go wrong with either as long as you have the discipline to do it.
@@ninamatthews8747facts
Not sure about where you live but my mortgage provider, car payment, and loans will only allow me to do and ACH out of bank or debit card. I get paying for groceries and gas and other living expenses like utilities on a cc as most companies allow you to but some many don't. I need to see how you pay cc down without racking up more debt!😊
He didnt consider the payment to the cc company - that 2000 paid in would not be 2000 it would be minus the cc fee charged
The are process nowadays that will allow us to use a CC to make a Mtg and Car pymt, Velocity banking covers it in other videos. PS: He's not paying his rent ($1,000) by CC in this video. He's depositing the money ($2,000) in which companies allow him to pay by CC. His monthly pymt is only $400, he dropping in $2,000.
You may have just changed my financial life with this video. Thank you Andrew!
Happy to help!
Been doing this with my budget for the last 8 years and have saved 50 thousand while on a pension it’s works
I have multiple cards so I can’t do this anyway but how the heck can this even work? In the video every penny minus the 1000 rent is going to the credit card. Ok that sounds great but that 1600 for other expenses is now being added to the Credit Card Debt? I don’t get it Anyway it worked for you So Congratulations!
@@jimmym2486I thought it was just me. I didn’t get the method at all.
What if you're over your credit card limit or right at it?They're not gonna let you use that money though, right?
@@ScottMacLeodCompany OK so this is how it works. The card can be maxed it doesn't matter. You are taking your paycheck and putting the whole paycheck onto the card 10,000 debt and you take 2,000 of income and put it onto the card. The balance is now 8,000. Then you use it for the 1,600 in living expenses and your balance goes back up to 9,600. Then just repeat...
@@joshprice32000so u dedicate your check (minus rent) to your CC debt. You lower your debt in the process, also taking care of the minimum payment, using the credit availability for expenses but leaving a remaining for what would be the next minimum payment?
Just overpay on maxed out cards and take advantage of all your perks. It's not a whole lot, but over time, you'll build credit, and you build an emergency fund that works for me, and if you pay before the credit is reported the percentage will allways be 0 if you don't carry a balance
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
The method they use is the exact solution to every difficulties we are facing regarding making money online..
Your expertise in finance technologies and architectures is truly outstanding… Thanks for getting me the cash flips even before the speculated time. *royal recapture* doing it seems like a norms when it was impossible for me to actually get this done.
you are helping people. you deserve all the million likes and more.
video won't get suppressed > there are hundred of other videos showing similar content! keep it up , you are providing great value !!
Basically this is velocity banking. You can use a personal line of credit and do the same thing.
@@toluca56 which is add an extra step to paying your bills?
@@DietzstroyerIn a way, but it allows you to pay less interest. I did this forever ago to pay off my cards. All my bills were autopaid on the CC. I'd pay my mortgage then throw everything else into the CC. As the bills get paid throughout the month you start accruing interest on that money, but if you had kept that money aside or paid all bills on the 1st you're paying interest all month.
Remember that your APR gets broken down into a daily rate and you get charged interest daily (on purchases past 30 days old). That extra step lets you owe the least amount on your balance and pay the least amount of interest.
If you can make a spreadsheet you can run the numbers yourself. This whiteboard demo is simplified and has some minor inaccuracies.
Velocity banking, it's not being suppressed. The only way to get out of debt fast is to pay more than the minimum payment.
Bottom line is: ones you "Pay" that 2k to the CC balance, they immediately will lower your available credit to ZERO and will do exactly the same until you extinguish your balance. By Consumer law USC 15 & 1605 (Finance Charge) is "Sum of All Charges" that you liable for.. You Extend "YOUR" credit, then Why are you "Paying" to Somebody else? They are only 3rd Party Fin. Servicing Company Entitled to collect Fees for Service Provided.. They did NOT lend you anything. You are "Paying" because your are dumb and refusing to read anything other than comment section under the YT videos.. At least read what US const, Article 1, Sec 10 says about "Paying DEBT".. You Cannot Pay Debt with Another Debt, you've been duped.. Good luck.
@@skybiz4520 what you’ve just said is one of the most insanely idiotic things I have ever heard. At no point in your rambling, incoherent response were you even close to anything that could be considered a rational thought. Everyone in this room is now dumber for having listened to it. I award you no points, and may God have mercy on your soul.
@@skybiz4520 I hope the only thing your children get from you is your name
@skybiz4520 Can you please explain this to me a little simpler? Sorry Im not savy about these things. I was considering trying this until I read your comment (thankfully)
One of simplest ways to reduce your total interest paid on your credit cards is to make your payment to your credit card the day after the closing date, not the day the payment is due. That way there will be less days to charge interest.
That's a real good way to get a late fee
Late Fees apply if you Don't pay by the due date, previous month finance charges are assessed on the cycle date. Interest is calculated daily from the previous month. Credit cards are always one month behind. Best thing to do would be to pay the minimum due by the due date and then pay extra payments immediately starting after the cycle date because that lowers the amount balanced for the finance charges to be calculated against.
@@Mikajja I guess I wasn't clear. Make the payment just after the closing date which is usually 2-3 weeks before the payment due date. You'll save 2-3 weeks interest.
That is perfect because you're then you're actually paying it early and that is the best thing to do every month.@@greenerpastures1000
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
25% interest on $9600 doesn't give you a starting balance of $9600 for next month. You're still falling behind because of recurring interest charges on outstanding balance.
But less interest if you pay before closing date because the cc interest will now calculate on the 8k not 10k. You have to plan it right and repeat. It's the interest that kills us
@@tubeingdee9735 No, it is calculated on the average daily balance, so not much less than 10K if you pay just before closing date.
If that was your take away from this? I would suggest taking up basic math again 🤣
Not to mention.. there are dates that are involved when that 400/mo payment needs to happen and when that 1600/mo needs to be applied in order for you to have and utilize that 1600/mo interest free..
Read the fine print
Exactly. All these velocity banking 'gurus' never factor in monthly interest.
You didn't account for interest added to the balance each month 🤷♂️. This math does not seem accurate. 😞
Good concept the only thing not figured in the math is the interest that gets tacked back onto the credit card balance from the $8,000 balance still owed.
hahahahahaha
He's just making it simple, so yeah there's interest, but he's totally right. Source? I have zero debt, this is one of the tools to use
@@SirJer he is totally wrong
Exactly.
Doesn't work
You forgot to add the 377$ in interest going into month 2. So the balance is actually around $100 less.
Really? 21% is not the Rate for 2 Weeks, it's the Annual Rate! That is divided by 12, to 1.75% Paper Month!
Actually, 21% "Per Year", so 1.75% per Month (21/12)! Or, $175 "Interest" on $10,000! So, the card balance drops by "$400-$175=$225!"
So, while his math ignored Interest, the Concept is still viable for someone with No Money Left Over, "So long as they commit to doing it exactly, without spending More!"
The Actual Second Month, would be more like $9,775, if he paid the $175 in Interest, and continued to spend the same!
Next Month, it could be lower by more that $225, because Interest $ are reducing on the lower balance!
Plus, the actual Interest $, are calculated based on "Average Daily Balance" not "Peak Balance!" So, that "$2,000 Big Payment, does drop your Balance by the Full $2,000, until you spand to increase the balance once again!
@@robertweekley5926 29.99% sounds more accurate.
@@robertweekley5926 RobertWeekly5926 is one of the only one's in the comment section that is explaining this exactly accurately. Robert, you should make a post comment instead of a reply to a comment, so more people can read your explanation. Kudos.
Correct. This video is such a load of rubbish. RUclips should deleted for misleading people.
If one pays all utilities with a credit card, add about four bucks for the fee to use your card for each bill paid.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
The method they use is the exact solution to every difficulties we are facing regarding making money online..
We are in same condition before until I search and meet them to get it done for me swiftly
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
Actually the smartest thing is to open only zero % interest credit cards…pay the one time 3-4% transfer fee and get 12-18 months to actually pay down the principle with the same money you would have used to pay the minimum (interest only). Rinse wash repeat to pay off all debts, increase credit monthly and use OPM to do it.
I actually do that and have done this past few years.
well that doesn't really help if you already have credit card debt. And nobody who is a first time credit card owner can get a 0% interest rate credit
Problem is by the time someone has ranked up enough debt to realize they can barely afford the minimums, the companies won't offer them a zero interest CC.
Your spot on. I used the 0% intro rate on a new card to get out of credit card debt and never got into CC debt again.
@@BeeTreeGuy My first proper job was for a large bank... til this day I have never had a CC.... I;ma grey old man already
I’ve been doing this with my high interest loans. But I also pay a few bucks extra every month on my regular bills.
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man, if your cc balance is 10,000 and you make a payment of 2,000 payment, your balance Will Not Be 8,000. Try it and you'll see. Some of the payment goes to interest, not all principal.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌
The method they use is the exact solution to every difficulties we are facing regarding making money online..
Sir, the way he said to do it it’s the best way…obviously, there will be some interest because you have a balance but the $400 that you’re paying is out of interest now.
True
Look at the right side of the board. He did explain 21% interest p.a so around 1,75% per month that is $175 dollar interest. Still works
Creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets. I wish everyone reading this the best of luck in achieving success!
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The only way I could see this working is if you are depositing that money a few days before the end of the billing cycling reducing your balance from 10k to 8k allowing the CC company to establish your next months minimum payment which is normally calculated by your APR /12 + 1% of your balance and after that you charge your 1600 worth of bills and then deposit your next 2k before the end of the next statement date. It wouldn't net you 400 every month but it would make a difference.
*I'll advise you to go to Andrew himself directly for his direct assistance towards all of this entirely*
Thank you, excellent info, what if I have 4 credit cards, how do I do it?
Look up Velocity banking. This is the same thing. TLDR: You pick the card you want to start with, Doesn't matter which one, but if your smart, the one with the largest balance, the one with the largest interest rate, or where you can get the most benefits by releasing it and using it if you can pay the balance off each month(eg cashback). You just pay the min on all of the ones you are not focusing on, treating it as an expense. Once you finish off your first one, you go to the next on. You do not worry about savings, growing money, etc. You focus on paying debt and nothing else.
Maybe you can divide and conquer your expenses throughout the four cards and just make sure that you’re charging your outgoing cost distributed on each specific card email that you’re paying. But also making sure that the minimum payment covered on each.
And if you can, the minimum payment plus interest.
I did the smallest to the largest applying the same principle. Put all my cash flow one credit card at a time till done.
@@dpinar21so did you pay the minimum on the others? I have 3.
My wife and I will be starting this this month!
How would this work if you have multiple credit cards?
Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
That’s the gmail address
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America is presently besieged by the hydra-headed evil combo of inflation and recession. The worst aspect about this crisis is that consumers are piling up credit card debt. Credit card debt increased by 20% in April alone, while interest rates have doubled in a year. Inflation is so severe that customers are essentially going into debt to buy basic essentials. The collapse has certainly begun.
Every day, we face a new challenge. It has become the new normal. We felt it was a catastrophe at first, but now we know it's a new normal to which we must adjust. This year will be a year of great economic suffering across the country. What initiatives can we take to earn additional revenue during the period of quantitative adjustment? I can't afford for my hard-earned $200k to fall to dust.
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Her name is Melissa Terri Swayne can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you very much. I just checked her out and wrote her an email. I'm hoping she responds soon. I've been thinking about doing this for a long time, and I've already procrastinated enough.
Don't use credit cards. I never been to a Starbucks in my life. Home paid off. No vehicle debt, no credit cards. I never went to college, waste of money.
you got to live a little lif is too short not to enjoy it. just be smart with your debt and you will be fine.
People can't live like that anymore. You're over 50 guaranteed. In today's world people need credit amd credit cards can make you money if you use them right. Look at credit card stacking...
Uh, no. Only use credit cards if you’re a responsible person. Saying “never use CC’s” is just dumb if you’re able to pay your bills. I’m debt free, single income family making under 70k and I have 5 credit cards. Raking in the points every month is just smart money management (5% Amazon and gas, 3% groceries and 2% on everything else really adds up).
Would you not be better off getting a standard loan to pay off the credit card instead of paying crazy credit card interest?
🎯
Genius! Glad I found this channel!
This video should be titled "How to make a monthly payment overly complicated." You send $2,000 to the credit card and spend $1,600, thus the balance reduces by $400. That's no different than simply paying the $400 monthly payment.
The $400 you owe to the credit card company is interest. So when you pay $2k on $10k, your balance will be $8400, and you'll go right back up to $10k when you spend $1600, and pay another $400 in interest the next month.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
The method they use is the exact solution to every difficulties we are facing regarding making money online..
Your expertise in finance technologies and architectures is truly outstanding… Thanks for getting me the cash flips even before the speculated time. *royal recapture* doing it seems like a norms when it was impossible for me to actually get this done.
Thank you I will try
This video should be titled "How to make a monthly payment overly complicated." You send $2,000 to the credit card and spend $1,600, thus the balance reduces by $400. That's no different than simply paying the $400 monthly payment.
I had to read a number of comments to find yours. I wanted to see if anyone else figured this out before I stated the obvious. Clearly, it wasn't as obvious as I thought it was. Most people got caught up in interest charges and due dates and completely missed the simple math of it all. kudos to you for knowing how to prove a theory. I, too, was excited about this guys claims until I sat and did the math myself. This video should be titled something like, how to drive yourself deeper in debt by kidding yourself into thinking you don't need to make minimum payments any more. I guess that would be too long a title though.
@@AnonymousMisspeller I've seen this "strategy" detailed on various videos and it's really just throwing out a bunch of pointless information (what monthly expenses you have, how the credit balance decreases when you make a larger payment, ignoring the fact that the credit balance simply bounces back up as you use the credit on expenses, etc)... all to cloud the simple math that is involved.
@magic0423 Every time you make a chunk payment it reduces the average daily balance which is how they figure interest for the month. You are saving money on the interest which gets applied to the balance. More of your payment is going to the interest when you just do a traditional monthly payment and that's how they keep you trapped in debt for years. VANNtastic is another channel who does this. It's called velocity banking.
But now I can retire on my airline miles! 🤣
This video is a joke.
This was the first thing that popped into my head … there is still $400 being given to the credit card company out of the $2000 if you are spending $1600 that month. I kept saying to myself, “I don’t get it!” It is a good way to get miles and perks though. And probably increase your credit score with timely payments for more than the minimum due.
am paying off 2 cars with 2 credit cards, one which I can't even use, and 3 storage units, but with this new information from this video I would be able to have the cards paid off quicker and be a position to pay for some much needed surgery by roughly 5 yrs am going to start as of next month in November 24
Thanks Andrew for the information shared.
This is a scam. Wont put you farther in the hole but the only thing you save is the interest on 1,600 a month as that cash is always in interest limbo now. If you have 20% credit cards it will save you roughly 30.00 a month. Not really worth the hassle. Better off just being disciplined and if you do have 20% credit cards you need to take some finance courses so people like this dont prey on your desperation. Number one thing is dont use 20% credit cards far anything. They just dig a hole you cant get out of.
This would’ve been helpful when I had a job. I wish I knew this. Very smart. Thanks for this.
I’m still confused. If you put the money that you were gonna spend on your bills toward paying off your credit card and then use the credit card to pay your bills instead of putting your check in the bank and paying your bills out of bank account. Ok but you still end up at zero at the end of the month and your credit card debt is back up to where it was because you put the 2000 in but you also charged 2000 on that card for that month. So where again is the upside to all this?
I just said the same thing. This doesn't add up
You’re not paying close enough attention. Watch it again and few times and LISTEN
@nguido6542 I have and still no clarity would u be kind enough to just explain it? If our paycheck goes to the credit card we have to now use the credit card to survive and pay other bills the cards balance doesn't decrease all we have done is paid the credit card the balance Will end up being the same
@@nguido6542 listened to it multiple times
The idea is that $400 of your $2000 in expenses is the CC payment. By putting $2k into the CC that covers the monthly payment plus $1600 extra for your expenses which means you essentially paid an extra $400 on the CC balance.
That $400 isn’t killed.. with that kind of income, that person most likely using the $400 again and the debt is still $10k if not more!
Obviously, you would only attempt this, once you had decided "Enough is Enough!" Then, your Commitment has the power to get it done! 🙄
Almost similar result if you are doing like this. If your minimum bill is 400$ and the interest may be 175$ for 21% interest rate for 10000$. If you want to close the credits in 2 years you can pay 400$+175$ = 575$ and spend 1425$ regular bank account. If you just pay 400$ every month it result in deduction of 225$ and next month balance will be 9775$.Here in this video paying 2000$ and spending 1600$ only.Which is similar as paying 400$ every month. If you are just paying 600$ every month you can pay 10000$ in around 20 months. Most cards having different statement date and payment date. Possibility of missing bill payment and get fined. Thanks for the video it showed the exact point of paying the credit by increasing more capital.
Paying off a credit card every month is good, but you can't make the payment on the due date. You need to make the payment before they send the report to the credit bureau so that every time the bureau gets the report, it always shows a zero balance
So when is that? How can I find it out?
Synchrony credit charges interest on any new use IF there is 1 dollar owed on the account. No waiting 30 days UNLESS it’s your first payment
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he is not adding interest charged , so all this is not accurate.
That’s the whole idea. They’re just full of shyt
Can I pay a mortgage with my credit card, Sir ?
Andrew, Where is the monthly interest charge? $1600 charged + $400 + interest charge?
@andrewcertwright Thanks for the great content!
Oh man! I feel so stupid now after seeing this video. Gosh, why didn’t I see this video earlier 😢 now I have been sued by a credit card company after I stopped paying because I lost my job. This is really gonna help me a lot!💡
Oh yes, this is the velocity banking thing but if you got two credit cards and they’re both maxed out, it makes it kind of hard definitely
Do it on one card first, once that is cleared move on to the second one. Probably have to keep they second cards payment in cash in your bank as not all cards accept payment from another credit card.
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This is not accurate.
If you have a 10.000$ balance on your credit card and pay 2.000$, that’s not all going into principal because you have to pay monthly interest on that balance.
For example, if you have a 24% interest rate on your card, that equals to 2% monthly, which equals (on a 10.000$ balance) to 200$ interest.
When you pay 2.000$ to your credit card balance, only 1.800$ is going towards principal, the rest is interest.
But would you have clicked on the video if he said the truth?
I just want to say, THANK YOU FOR WHAT YOU DOING🙏
Andrew, I didn't quite get it. I see what you did, but when or how do you pay utilities, car note/ins, Ins, etc.?
@@RaeMcCarver thank you. I'm not sure if that would work in my case anyway. A few of my cc are maxed. Thanks again.
@@elliott7384let me help you both !! Your cards are maxed right but you’re still paying bills with your debit card. His point is to take the $200 cable, $800 car note, $100 electricity, and pay that $1,100 to your car +$400 that you usually were paying. Doing that, you don’t pay interest on the $400 and get points or miles because you are making more transactions.
You’re a genius Andrew👍👍👍
The problem I see are the monthly expenses.
If you have 3,000
1,000 goes to mortgage.
Leaving you 2,000 of other bills.
If you put the 2,000 on the card and reduct the balance to 8,000, you will use the 2,000 you just put on it to pay the rest of your bills and be right back at zero bank account balance and 10,000 on the card.
Exactly
As long as you are timing it right your total expenses aren't $2000 anymore. You put the "cash" of 2k to the credit card around the time the payment is due, that $2k "cash" is paying that $400 payment. Then pay the rest of your expenses ($1600) with cc. Your bank "cash" balance will be the same as if you're doing what you're normally doing, but now your credit card principal is lowered.
I have tried this but stopped for a moment when the expenses were increased. Will try again
@ryanmcmullin3567 No, it won't be lowered because you still have $1600 in other misc bills that need to be paid with the remaining $1600.
The $400 credit card bill comes out of the $2000 total bills.
Best advise ever bless you brother
This is definitely interesting and thank you, andrew. I'm assuming we can't put all of our earnings ran into our credit card because we do have to leave some money in our checking or savings account to be able to withdraw cash once in a while to pay for smaller expenses. We also have some bills that are credit card doesn't allow US Auto withdrawal so we pay them out of our checking account as well. I'm trying to think of a formula on how much to put right into the credit card versus how much of my wife and eyes earnings to go into our checking account.
That's why it's important to do a monthly budget. If you budget your expenses and stick to it, you will be safe if you deposit your income into the CC and then use the CC to do your budgetted expenses. Makes total sense!
Am I missing something here... your still putting your .monthly expenses on that credit card ... how are you paying down the total balance on card if you continue to use it? Someone explain it to me if I have it wrong....
Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
Andrewcartgrants
That’s the gmail address
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Sounds great...except what about the monthly interest on the remaining debt
Thats why it only sounds great.
Here is a problem this strategy will not fix. You have $3,000 in income a month and total credit card payments of $3,000 a month and you are already using your credit cards for expenses such as food, gas, phone, etc.. Paying only the minimums and your cc balance keeps going up because you are using them to survive. Now there is homework for you Andrew. Fix that one.
Why is the total credit card payment $3000? I
Why would your income and credit card bills alone match, that’s crazy! What about your other bills. In that case it would never work.
@joee5081 If this is your real situation and not a hypothetical one, you either are unemployed and using credit cards to float, you need to increase income because it doesn’t cover your basic expenses, or something else. Without additional income, you will have to keep making minimums indefinitely without things improving or you’ll have to consider filing bankruptcy. You can also consider a Debt Reduction or a licensed Consumer Credit Counseling program where they can help you negotiate a reduced interest rate while in the program.
Just means this will not work for your situation. It will work for at least hundreds of thousands probably millions that are in this situation. 👍
Because he's putting all his pay into the CC@@jurainvilla8209
Love the video Brother! Best wishes! Gonna work the plan little by little, still gotta pay my bills, but gonna use all extra money to pay off cards immediately. Especially, with my tax return and yearly company bonus.
When did you start talking about velocity banking? 😀
Hi I liked your teaching. However, as a lot of people shared you did forget to calculate the interest in. But it's still a good idea to do this. And they will save $ 420 a year on interest and gain a lot of points which will gain the money.Also their credit score will go up!
Exatwhat I came to say. Interest is probably $300 in that. Doesn't change a thing except credit score when the $2k hits.
Yes but you did say 400.00 will come off the principal every month. Which is inaccurate. Have a good one!
So the theory is if you pay $2000 directly on the card it covers the $400 payment on the card. But if you pay the $400 on your card, and then $1600 to your normal expense, the $400 doesn’t count?
You're still paying the $400. Lol
If you notice, you're putting $2000 on the card. Only.
Paying $1600 in expenses. That still leaves the $400 that you're paying on the card. 😂
@@tsadaqah what do you mean leaves $400? If you put 2000 on the card and then use the card to pay the 1600 you would have in the first place, you’ve added an extra unnecessary step. I’m not seeing the relevance.
@kevindietz1568 you pay $2000 on the card. You charge $1600 for your expenses. $2000-1600=$400. There is your normal credit card payment of $400. That is why his math doesn't add up because you are paying the same thing as you are either way. Plus, in his scenario, he doesn't show the interest being added each month. I think you and I are saying the same thing, basically.
fantastic video and i did not know how to clear my credit cards. you have opened my eyes to clear my debts and make money to improve my quality of life. thank you and will watch more of your videos and have a great day.
It's called velocity banking.
That's wonderful until your bank reduces your allowable balance..then you have no access to your bill money
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What about the interest on the original/remaining balance?
*Mind blown.* Thanks!
What about if the credit card cut the credit available from $10K to $2K after you first big payment ?? 😂 Game Over ?? That's happens.. Trust me , they see you like a high risk ...
This is true. They can cut your credit limit
Be careful doing this. Credit card companies are shady and will lower your limit as soon as you make a large payment and then that money is no longer available to pay your other bills
Agree 100% However it will depend on debt to income ratio. This number will vary for each person.
@@McKeeFamilyFinds isn’t the goal to pay off the credit card
This happened to me but during Covid so i wasnt sure if that was the reason
Yes this happens now everytime ! All cards are doing this now to combat this strategy
Mine credit company has not lowered limit at all. They actually increased it when I pay the whole thing off at once. I don’t have high limits to begin with. I have a 1000 dollar limit.
Awesome video you bring the real!!! ❤
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Okay Andrew,,, Forgive me, but the explanation is not clear! It is more; it is confusing.! You don't talk about the new interests... And if we deposit $2000 and then, we spend it again; since there is no cash flow,,,, what is the point.? Where is the profit.? Can you explain the case with more precise numbers.? And slowly... Thanks...
This was great advice 🙏🏻💯
@@ChereWealthStorm it’s really not because you can’t pay mortgage/rent, car note an some utilities with a credit card. So to put your months / weeks pay on your card is foolish
Velocity banking! I paid my house off in 2 years doing this.
I’ve tried this…why doesn’t it work for me? I get my pay, I put the majority of it on my credit card. So, then there’s enough room to pay my rent, w said credit card. What then?… the credit card balance goes back up to what it was, before I paid my rent. So, it never goes down… what am I doing wrong???
@@bitKitty are you making more than your expenses?
@bitKitty You may have a negative cash flow. Check your expenses.
@@AnthonyDoty I definitely am broke , but in the video, he started with 0 cash flow. Which is why I tuned in.
@bitKitty Yea, it will work with 0 and negative. Are you putting the majority of your paycheck in the line of credit. If you need help with reviewing what you have I would love to help.
Most people missed the fact of him saying you can benefit from “when” you pay. So if you change your credit card payment a day or two after payday and before other bills, you essentially lower the interest owed by paying $3k off.
What about the interest being accrued every month?
Thank you. I’ve been doing it for one week. It’s been magical and an orthodox .
At the end of the month, they'll change your banking account with the 400$. But your account is empty because you put all in the CC. SO you'll have take that 400 of your CC and put them in your bank account to pay the monthly charge (including the interests). However this system can let you save something as they'll charge you less in interests, so can repay the 10.000 in less time. But only a little less.
Bingo! Also your credit will improve a little but that's it. You nailed it
Also with that said, if the person is disciplined enough it could be an incentive (using this method) to leave more of his earnings onto his credit since he's using it like his checking account so to speak.
Some expenses you cant pay with CC i.e student loans, car payments. What do you suggest for these types of expenses?
You pay them out of the bank, you only pay to the cc the money left over from the budget once your bank only payments have been taken out
I use vb to pay for shopping, fuel and ele bill, rather than keep the money in my bank I use it to lower the balance and save my self some interest, this also stops the cc moaning at me for not paying it off quicker and not using the card, the cc are happy as they make money on my transactions and still have payments coming in
Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
Andrewcartgrants
That’s the gmail address
You’re still paying the credit card on the payment due date. You need to flip the credit card to pay on the statement closing date to pay it off faster. 🤔
Not always possible for people to get new credit cards
You don’t need a new credit card to flip your payments on your credit card.
@Deplomaplugin can you explain what you mean by that please?
@@yoyoyo3531 The credit card interest is per day. The statement, clothing date interest is added to your credit card. 28 days later is your payment due date. You’re paying 28 days of extra interest on top of the regular interest added on the statement clothing date each month.
When you look at your credit card statement, it says an amount is due on the payment due date . My credit card statement says zero amount due on payment due date. I make the normal payment due on the day after the statement closing date. I wipe out the statement closing date interest from the day before and I don’t pay 28 days of extra interest.
@@yoyoyo3531 I explained. I don't see it now?
Can we pay off all credit card bills on a single payment?
Yes you can,Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
That’s the gmail address
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Could you use this on mortgage payments too?
*I'll advise you to go to Andrew himself directly for his direct assistance towards all of this entirely*
Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
Andrewcartgrants
Why don’t you just go to Andrew himself for his direct response on this directly, which he’ll assist you up directly himself like I got also from him.
Andrewcartgrants
NONE of my bills will allow payment by credit card... I just checked... Not one... what do i do?
Go to the bank and get a personal line of credit instead of using a credit card....or at least, thats what someone suggested....might be worth checking out...
Ikr? That’s how they keep us in debt.
Dont worry about it. Read the comments. It doesnt work.
Great advice thank you!!! I’m a subscriber now!! How would I tackle 4 credit cards?
I can connect you with a credit repair expert to help clear your dept.
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My debt is spread out over several cards. My highest payment is $127. I don’t see how I can do this method
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To whoever did the editing on this video, when you switch to another angle, keep the good audio, don’t also switch to the audio of the other angle 🤦🏻♂️
I know, right? 😅
That's all incorrect, you are not taking into consideration the monthly interest that must be added back to the balance at month end. Very misleading idea.
Ok. So if you pay 2000 a month but only use 1600 to ezpenses. Effectively meaning 400. . Which would be 25 payments of 400. The. Allow for the fact that once you have2000 left the card is
paid off. (2000/400=5)
That is still 20 payments. That is with no interest being charged. The credit card company will be charging interest on the card because your balance is at 8000. Etc until you get to 0. So his way is better but nowhere near the 17.5 months he claims.
We all consider *royal recapture* and to be a pro financial expertise computerist who can actually fix the making money online issues unlike this video which doesn’t help at all✌️
All these Yt video tutorials actually don’t work ! their solutions doesn’t exist for making money online ! RUclips content creators care more about the views and the pay…
The method this video pointed to isn’t really working.. *royal recapture* is the solution to all difficulties and high unapproved rates surrounding making some money online..
The method they use is the exact solution to every difficulties we are facing regarding making money online..
Your expertise in finance technologies and architectures is truly outstanding… Thanks for getting me the cash flips even before the speculated time. *royal recapture* doing it seems like a norms when it was impossible for me to actually get this done.
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He has too MUCH money if he drives a golf cart in his house lol