I carry some credit card debt because the cards have zero-percent-interest-rate promotions. I guess, it's the banks' way of encouraging spending during the pandemic.
I have one credit card just carrying 90.48 I will pay it off the end off the month. The medical bills I am doing a payment every 2 weeks but I think I will work harder put more in my medical bill debt and they I will extra hundred in my car I have 3000 left on my car thanks for this video
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this..
Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated..
@@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.
@@skoopqueen That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?
@@eadad4371 look her up on the internet and leave her a message she's quite popular for her services as she was recently featured on cnn. She can work with anyone irrespective of where their located
@@skoopqueen. I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .
This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!
Thank you for motivating me this morning! I needed that. It’s not even the end of January on my debt snowball but it’s payday today and it’s already gone. Paid onto my debt so I don’t even have the chance to spend it. I do it first thing in the morning, but like I said, it’s already gone, but this video really helped me to feel excited again about how every little bit adds up, so thank you again.
for those who have CC debt which is most americans... shop around for 0% APR transfer balance cc... Citi has a good one if you're approved.. i got mine for 21 months.. best decision ever. For example, I was paying like $80ish a month on my credit card with 24.4%APR.... that's free money you're giving the banks. If your credit is good switch! this is outrageous
smart young lady, save your money, it will save you. I'm retired living in Alberta. I wish I had money sense when I was in my 20's. It would have made life so much easier as I got older. Well done.
I studied abroad in Australia too!! I was at UTS in Sydney, where did you go? Very proud of your channel. Honestly, these amazing experiences like being able to live abroad make me want to gain financial freedom and become debt free even more!
I'm also from Montreal and I have 20k in student loan debt. I was planning on paying it off in 18 months but maybe I could do it under a year like you!
If you put your mind to it, you absolutely can!! I believe in you 💖 Also if you check out my more recent money videos I have a whole new system using cash and a digital tracker that I wish I had when I was paying off my debt! Would have made it even faster lol
Wow, you’re so close to being debt free! Totally agree with you on the bonuses. I received a big bonus last December and I was able to payoff the last $6k of student loan debt I had. I’ve been debt free since and it’s a nice feeling!
hey zoe how did you stop feeling the need to spend money on clothes ? i always feel the need to spend money on clothes specifically and i don’t know why , i don’t even wear half of the things i buy
During the lockdown I just realized how much more fun it was to only wear clothes I love, and to wear them all the time provided me with so much simplicity. So I basically have 10 outfits that I rotate between and don't feel the need to shop as much (to some 10 may be a lot but I do love style/trends)... also stay away from fashion bloggers, they make you feel the "need" to shop like crazy! On a deeper note, material items were giving me temporary satisfaction followed by guilt (I shouldn't have bought that... shouldn't have spent this money) and I realized that paying down debt provides full satisfaction! 💛 💛 💛
I started watching this and realised I saw it probably soon after you posted it. I remember I loved this video and got a lot out of it but couldn't remember anything about it at all! I watched it again and it's so good. I'm definitely going to start that pay off spreadsheet for my huge tax bill. My student debt in Australia is huuuuge, but it gets paid off as part of your tax when you reach a certain income level. I could pay it off faster but that's not on the cards for now. This was so good, lots of common sense and great tips ☺️
I'm much (MUCH,😂) older. I love financial strategies and discussing credit score strategies. I'm not rich but it's all relative to your debt to income ratio as to how financially "well aka "rich'" a person is in my opinion. As an exam, I went from a mtg pymt if $1100 a mo down to $277...😂, yes it's laughable but true. Zos's vid pop up in my feed so I dec to lis for a min...❤ her self description and Gucci bag ex...totally REAL bec peo are so hung up on what they have vs the content of their character. I love her style and how she presents herself...BRAVO!
What do you recommend for a physically disabled senior that's not able to work, only receives lousy SS. Don't have a car, not able to drive other people's vehicles. Don't have computer. Exist in a recliner at this point for last 3 years. Heart & brain injuries have Really messed me up and getting hit by lightning sure hasn't helped either. Suffered permanent AFIB from that incident and was blind for awhile too. Very scary!! 🤔😯☹️
Love this! This year I decided I was going to take on my debt and pay off my student loans and car. It took me about 7 months to pay off 35K. So freeing!
Girl, the intro resonated with me and made me watch the whole video. I’m close to graduating with my masters 27k in debt. I’m looking for jobs right now that is not in my field but, I want to pay this debt off fast as possible!! I was debating on buying a prada bag… until it hit me that my interest is going to start in June.. so now I’ll be working hard doing this!! 💪🏼
I felt so pressured to payback my student loan until I got recommended to a way of earning passive income through cryptocurrency investment, with the Aid of my Investment Advisor, I earn $900 daily of my total investment and no loss of income. He has the best Technical Analysis, and anyone can earn much more.
I was able to tak3e advantage of the interst free period as well. I wwent nuts and paid 100 per week and crushed my debt. I went from 56000 to 3500 in a few years. Great advice
When you said you cannot have a Gucci bag and have debt I immediately made a poster to hang in my office that reads: " You CANNOT have (insert wanted item here) and have DEBT!"
I’m currently saving money with my boyfriend to buy a home so my goal for the past few months has been to increase my credit score. I had $2000 worth of credit card debt around the beginning of this year (I know, I know 😭) and have dropped that number down to about $680. It’s so motivating to see the amount owed decrease and my credit score increasing!!
Aw I love hearing your debt story. I know a lot of my friends going through the same struggle. I cringe thinking about my past purchases when I was younger.
If you have a car, you can make money through Uber, Door Dash, Lyft, etc. If you’re a native English speaker, you can teach English online. Fast food restaurants are usually hiring, but waitressing can make you good money if the place is known for better tips.
Just watched this video, thank you so much for sharing. I have multiple credit card debt. I am self employed do you have another video on this or any other tips on how to manage this since my monthly income isn't fixed.
From Alogorithm supposed to be supporting us to we need to take action to support the Algorithm. Humans have made a lot of progress in the opposite direction.
Every single $ truly counts. I never realised how high my coffee bills were until I invested in a good espresso machine. I saved around AED 1,700 ($600 approx) in four months. This really helped me to pay off all my credit card bills.
Good video I agree with you any debt is a cloud over things and paying off all debt makes things easier and much more simple ...then go to investments. I know a lot disagree but simple is better. Strange but there is a certain satisfaction in getting rid of debt, and yes you are correct it is never too late. We are going to be totally debt free end of Dec mortgage and all, kids college and all. Debt free sounds so good!
While the numbers may not exactly be relatable, I think your mentality towards debt is. Throwing all my extra income towards debt really is the mindset that I need to get into 💀
Tging is some people have poorly paid yet demanding job and illness, this formula dorsnt work for them. I have never in my life eben contemplated buying a gucci back as havebt had choice
Hi Zoe! I'd love to hear more about your side consulting business? how did you start it? How did you build up "credibility" and found clients? I have very similar skills as yours and I'm very interested in starting a similar business!
hey!! my consulting is more HR focused with tips to get into consulting, resume & interview skills 😇 i just get my clients from people who watch my vids and are interested
Thank you so much for making this video!!! Impeccable timing for me cause I have the exact same debt/repayment goal for this upcoming year and just started making a salary to make it possible. I’ll implement these tips and watch back when I’m feeling weak 😋 love your personal finance vids❤️ and all the others, keep it up!!
This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!
You guys voted and here it is!! 💸 Tell me: Do you carry debt? And where is it from? (student loans, credit cards, etc.) I'm curious, not judging 💖
I carry some credit card debt because the cards have zero-percent-interest-rate promotions. I guess, it's the banks' way of encouraging spending during the pandemic.
at least its zero percent!! 😇
I have one credit card just carrying 90.48 I will pay it off the end off the month. The medical bills I am doing a payment every 2 weeks but I think I will work harder put more in my medical bill debt and they I will extra hundred in my car I have 3000 left on my car thanks for this video
Credit card and student
From friends, personal loans, shark loans etc
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing!
Very inspiring! I love this..
Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated..
@@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.
@@skoopqueen That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?
@@eadad4371 look her up on the internet and leave her a message she's quite popular for her services as she was recently featured on cnn. She can work with anyone irrespective of where their located
@@skoopqueen. I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .
This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!
Thank you for motivating me this morning! I needed that. It’s not even the end of January on my debt snowball but it’s payday today and it’s already gone. Paid onto my debt so I don’t even have the chance to spend it. I do it first thing in the morning, but like I said, it’s already gone, but this video really helped me to feel excited again about how every little bit adds up, so thank you again.
Congrats to you! I have paid off 20K in debt in just 11 months! I am so proud of myself!
for those who have CC debt which is most americans... shop around for 0% APR transfer balance cc... Citi has a good one if you're approved.. i got mine for 21 months.. best decision ever. For example, I was paying like $80ish a month on my credit card with 24.4%APR.... that's free money you're giving the banks. If your credit is good switch! this is outrageous
Thank you for these examples and great advice. It helps.
smart young lady, save your money, it will save you. I'm retired living in Alberta. I wish I had money sense when I was in my 20's. It would have made life so much easier as I got older. Well done.
GREAT video! Love your positive attitude (:
thank youuu!! 💖
I studied abroad in Australia too!! I was at UTS in Sydney, where did you go? Very proud of your channel. Honestly, these amazing experiences like being able to live abroad make me want to gain financial freedom and become debt free even more!
I went to University of Wollongong! Best time 😍
Shout out ur friend who called you out re the Gucci bag 😂
Congrats on your debt repayment progress!! That’s incredible.
right???! bless her 😂😍 & thank you so so much!!
Hi there, I just loved this vedio, putting up great effort
Great video 👍
Great information thanks
i make $20 an hr. I don't think i can pay 20k off in 2 year even eating eggs and noodles
Thanks for sharing !!!
YAY! I paid off all of my debt (minus student loans) last week and have never felt better!
thats so amazing!! congrats 🎉
Great!!!What method did you use
I'm also from Montreal and I have 20k in student loan debt. I was planning on paying it off in 18 months but maybe I could do it under a year like you!
If you put your mind to it, you absolutely can!! I believe in you 💖 Also if you check out my more recent money videos I have a whole new system using cash and a digital tracker that I wish I had when I was paying off my debt! Would have made it even faster lol
Very good video Zoe🥰
Thank youu!
@@ZoePritchard yes ma'am you're welcome 😊
She lost me at "For my birthday, my mom gave me $4K"
Yeah love how relatable that is ☠️
Lost me at Gucci bag.
😂😂 Tell me bout it. Here I am with a generic wallet and hand me down clothes trying to make it work.
Lost me at “sign on bonus” HA! The other topics you’ve listed are unknown experiences for me too but I do manage just fine! 😀
glad i read the comments😂
Thank you and Congratulations!!
Wow, you’re so close to being debt free! Totally agree with you on the bonuses. I received a big bonus last December and I was able to payoff the last $6k of student loan debt I had. I’ve been debt free since and it’s a nice feeling!
oh my gosh thats amazing!! 😍 i cant wait to feel that too!
Can you please share your spreadsheet? The formulas look helpful but I’m not sure how to set it up myself
Can you post a link to the excel you created?
hey zoe how did you stop feeling the need to spend money on clothes ? i always feel the need to spend money on clothes specifically and i don’t know why , i don’t even wear half of the things i buy
During the lockdown I just realized how much more fun it was to only wear clothes I love, and to wear them all the time provided me with so much simplicity. So I basically have 10 outfits that I rotate between and don't feel the need to shop as much (to some 10 may be a lot but I do love style/trends)... also stay away from fashion bloggers, they make you feel the "need" to shop like crazy! On a deeper note, material items were giving me temporary satisfaction followed by guilt (I shouldn't have bought that... shouldn't have spent this money) and I realized that paying down debt provides full satisfaction! 💛 💛 💛
Yes yay congrats
What equipment you use for creating your RUclips videos?
I started watching this and realised I saw it probably soon after you posted it. I remember I loved this video and got a lot out of it but couldn't remember anything about it at all! I watched it again and it's so good. I'm definitely going to start that pay off spreadsheet for my huge tax bill. My student debt in Australia is huuuuge, but it gets paid off as part of your tax when you reach a certain income level. I could pay it off faster but that's not on the cards for now. This was so good, lots of common sense and great tips ☺️
Hey zoe how did you create that spread sheet?
lol it only took me 34 seconds to subscribe cause i already knew i was gonna get a ton of value from your videos 💛
ahhh thank makes me so happy! thank you 😇 😇 💛
@@ZoePritchard Ofcourse !!!
I'm much (MUCH,😂) older. I love financial strategies and discussing credit score strategies. I'm not rich but it's all relative to your debt to income ratio as to how financially "well aka "rich'" a person is in my opinion. As an exam, I went from a mtg pymt if $1100 a mo down to $277...😂, yes it's laughable but true. Zos's vid pop up in my feed so I dec to lis for a min...❤ her self description and Gucci bag ex...totally REAL bec peo are so hung up on what they have vs the content of their character. I love her style and how she presents herself...BRAVO!
thank you!! congrats on lowering your mortgage payments.. GOALS! 💕
What do you recommend for a physically disabled senior that's not able to work, only receives lousy SS.
Don't have a car, not able to drive other people's vehicles. Don't have computer. Exist in a recliner at this point for last 3 years. Heart & brain injuries have Really messed me up and getting hit by lightning sure hasn't helped either. Suffered permanent AFIB from that incident and was blind for awhile too. Very scary!! 🤔😯☹️
Love this! This year I decided I was going to take on my debt and pay off my student loans and car. It took me about 7 months to pay off 35K. So freeing!
thats incredible!! congrats 😍
Who has a spare $5000 a month. Crazy
Girl, the intro resonated with me and made me watch the whole video. I’m close to graduating with my masters 27k in debt. I’m looking for jobs right now that is not in my field but, I want to pay this debt off fast as possible!! I was debating on buying a prada bag… until it hit me that my interest is going to start in June.. so now I’ll be working hard doing this!! 💪🏼
I felt so pressured to payback my student loan until I got recommended to a way of earning passive income through cryptocurrency investment, with the Aid of my Investment Advisor, I earn $900 daily of my total investment and no loss of income. He has the best Technical Analysis, and anyone can earn much more.
He is licensed and Regulated by Finra. You can look him up on l.G
gary randall trad ing
You inspire me so much! Thank you for this video ❤️
😍😭❤️ thank you!!
So proud of you Zoe! Congrats :)
thank you so so much ❤️
First!
❤️❤️❤️
how does the tax work , you essentially with multiple sources of income, do you find you are taxed a lot or is it reasonable
being in Canada I am taxed a TON lol
I was able to tak3e advantage of the interst free period as well. I wwent nuts and paid 100 per week and crushed my debt. I went from 56000 to 3500 in a few years. Great advice
Hydro? Not sure if that's what I heard
Great job! I love seeing people go against the grain and be spectacular! Even better you are an encouragement to all by sharing the journey!
Super useful video! This girl is amazing! So transparent and helpful! Thank you again for the interview advise, it's tomorrow! :)
aw thank you Ellie!! Good luck tomorrow 😍😍
Definitely motivating! Thank you! Wish me luck 🥴🩵
you got this!!
loved this video! i'm still in school but will definitely implement these tips once i'm done
yay!!! thank you 😇
When you said you cannot have a Gucci bag and have debt I immediately made a poster to hang in my office that reads: " You CANNOT have (insert wanted item here) and have DEBT!"
love it!!!
I have started controlling my debt as of late.
Very informative video. Best wishes Zoe 👌
Keep them coiming
thank you!!!
I’m currently saving money with my boyfriend to buy a home so my goal for the past few months has been to increase my credit score. I had $2000 worth of credit card debt around the beginning of this year (I know, I know 😭) and have dropped that number down to about $680. It’s so motivating to see the amount owed decrease and my credit score increasing!!
that's so wonderful!!! good luck & keep it up, the momentum passes so fast and before you know it you'll have your home 💛
Where did you get your necklace!!!
they are both from Princess Polly 💖
Aw I love hearing your debt story. I know a lot of my friends going through the same struggle. I cringe thinking about my past purchases when I was younger.
thank you Joy ❤️ & oh my gosh I know!! when I think about all the clothes i bought and never wore/are now donated I wanna cry
I always love your financial videos! Lots of support, you got this!❤️
thank you!!! 💛
I owe $20k in debt it's stressing me out I just want to say what do u other than consulting
If you have a car, you can make money through Uber, Door Dash, Lyft, etc. If you’re a native English speaker, you can teach English online. Fast food restaurants are usually hiring, but waitressing can make you good money if the place is known for better tips.
Love your finance videos!
thank youuu ❤️
Just watched this video, thank you so much for sharing. I have multiple credit card debt. I am self employed do you have another video on this or any other tips on how to manage this since my monthly income isn't fixed.
hi! this is something ive been working on the last year since becoming self employed as well. Im still figuring it out but once I do, I’ll make a vid!
From Alogorithm supposed to be supporting us to we need to take action to support the Algorithm. Humans have made a lot of progress in the opposite direction.
Hi zoe!
Every single $ truly counts. I never realised how high my coffee bills were until I invested in a good espresso machine. I saved around AED 1,700 ($600 approx) in four months. This really helped me to pay off all my credit card bills.
ohhh yes coffee is killer!
I'm just across the water in laval!!
hello neighbor!!
Thank you for this video Zoe! It was very useful 💖💕💫🌟✨
yay, im so glad 💖💖
Good video
I agree with you any debt is a cloud over things and paying off all debt makes things easier and much more simple ...then go to investments. I know a lot disagree but simple is better.
Strange but there is a certain satisfaction in getting rid of debt, and yes you are correct it is never too late. We are going to be totally debt free end of Dec mortgage and all, kids college and all. Debt free sounds so good!
Payed?
You guys voted and here it is!! Tell me: Do you carry debt? And where is it from? (student loans, credit cards, etc.) I'm curious, not judging
On a similar plan you’re so inspiring 💕✨
There are no shortcuts when it comes to getting out of debt.
While the numbers may not exactly be relatable, I think your mentality towards debt is. Throwing all my extra income towards debt really is the mindset that I need to get into 💀
Average software consultant in Canada is 94K a year. Congrats. I appreciate your video but its out of touch.
i was not making $94k….
I think she should have gave a range because in my state the average is $106K. So she did lose me.
Tging is some people have poorly paid yet demanding job and illness, this formula dorsnt work for them. I have never in my life eben contemplated buying a gucci back as havebt had choice
Hi Zoe! I'd love to hear more about your side consulting business? how did you start it? How did you build up "credibility" and found clients? I have very similar skills as yours and I'm very interested in starting a similar business!
hey!! my consulting is more HR focused with tips to get into consulting, resume & interview skills 😇 i just get my clients from people who watch my vids and are interested
👏👏👏👏
Thank you so much for making this video!!! Impeccable timing for me cause I have the exact same debt/repayment goal for this upcoming year and just started making a salary to make it possible. I’ll implement these tips and watch back when I’m feeling weak 😋 love your personal finance vids❤️ and all the others, keep it up!!
thank you thank you thank you!! Good luck, you can do it!! 💛
wazzzzaaaaaaaaaaaapp!!
i wanna learn English
I got married and earned an extra $10K I’m debt lol
LOOOL
Sorry, Zoe, but your above average income make you unrelatable.
🥱 thx ❤
Not try it on a non tech salary and get back to me! 😂
I’m $1,762 in credit card debt with discover
That’s my monthly payment on one card.
Pray for me I owe the wrong people 32k and in fear for my people. I hope everyone in my situation can push through.
This was an amazing video! My takeaway is to take whatever bit of extra money and put it to toward debt. I need to write this down so I can see it everyday!
thank you so much!!!