Lily, you’ve got this under control!! I can tell that you put a lot of time, energy and thought into this plan and I know it will work out for you!! I know there are a lot of people cheering you on 🎉🎉🎉 My favorite color is blue, by the way!!!😉
Hey Lily! on the credit cards - you can totally pay down the full amount. Just leave them open and every month spend just a little bit that you can pay off at the end of the months to keep them active. I've been doing that and it's helped my credit come back up (it was so bad a few years ago I got denied when I tried to open a CC)
That’s a good idea. I used to use my credit card just to pay for gas and then I would pay it off on its due date. I don’t do that anymore but it could work. :)
Kudos for putting it out there. Even if you dont post it for us all to see, i highly recommend throwing this all in google sheets or something. Update it monthly or quarterly and it is really encouraging to see the progress that has been made. I feel like that is when i made huge progress becasue then you sort of get completittive with yourself. I'm crushing debt girl. in 2024, I paid off $14.5k in debt. i am looking to be debt free by my bday in july. then i want to focus on fully funding emergency fund, saving for me wedding, and a house. i was a late bloomer with realizing debt just need to go so im proud of you for figuring it out much sooner in life than i have!! 💛
Purple! Like others have said, just pay the cards off. Now that I have zero balances I just put groceries on them and use my budgeted grocery money to pay it off. My scores went out when I paid them off.
Pay the credit cards to zero and then like the others have said just put a tank of gas once a month and the pay it off when due. This is what I do and my financial planner told me to do as well and my FICO score is in the 800’s. The more you’re hard earned money is going to debt the less you have to put to what you really want to. Girl you so totally have got this we’re here with you 😊 My favorite color is green too.
Lily, I've been following you for a while now and you are an inspiration to so many. Thank you for being so transparent it really helps others! Blessings to you! Oh and I love the color blue and green is right up there!!
My fav color is probably sage green if I had to pick one😉 This is totally doable, Lily! You have an awesome plan and you’ll absolutely crush it. Freeing up the money from these payments is going to help you out so much. I know initially you said you wouldn’t share this but I’m so glad you decided to because this is going to help and encourage a lot of people. So excited to watch you do this.👏🏻
You got this :) When you pay the cards down, use them for a tank of gas every month and pay it off in full it'll really help your credit score. My favourite colour is grey.
This sounds like a great plan! Have you looked into doing a balance transfer for the best buy card? Usually the cards you already have will sometimes have offers for BT and they often times are 0% APR. My favorite color is green too!
Lily, my favorite color is green Great job planning on tackling debt I too struggled with debt when I was in my 20's. After paying ot off I have managed to have limited debt as the sacrifice of paying off all the debt made me stronger. I know you can do this!
So happy for you Lilly! Don’t be ashamed I still use me credit card and I still cash stuff. I just prefer to not always have cash on me. I’ve been following your channel for a while and I’ve seen you go from not really wanting to discuss your debt to making this plan now that works for you. Stay encouraged and stay disciplined. Even if you have a rough month cut your planned amounts in half. So proud of your girlie!!
Lily once you’ve paid off those smaller amount find a o% credit card and transfer your Best Buy cc balance. You usually get 12 months 0% interest. Then definitely put the BB card away and throw as much as you can each month to the 0% card. No need to go drastic. But you know yourself so do what you know will work for you. Btw my favorite is green too.
This year I'm concentrating on major savings now all debt is gone, every magic month I used it to power pay my biggest debt total, so proud of myself! Now every magic month I reward myself with putting the whole chq. Into savings, as well as the same amount of money I used to have to pay each month for the debt. I've done a complete 180 and it is sooo exciting to see the account building instead of emptying 😅 Good good luck with your very good plan, you'll get there 💛
My care credit is at $27K, not including the $15k I transferred to a longer term 0% interest card. (Both of my dogs have cancer and are doing great but it is sooooo expensive.) You 💯 totally got this!! Also, purple. 💜💜💜
Maybe I missed it, but are you still stuffing the adorable baby binder? I love your channel and content 🤍 I wish I was this dedicated to my finances when I was 25!
Also, proud of you for sharing your debt with the world. I know you’ve said in previous videos that you weren’t ready to do that, but it really is freeing finally being transparent with your debt. And you have a great plan!
You got this! I have just my student loans left but that is over $30k so that will take a while! I have USAA insurance and it’s so cheap! Overall this year I’m focusing on saving for a wedding
I have AT&T Internet, great internet and spend $65 a month. There’s an idea for internet. Great job on the debt pay down, I’ve been coming up with ideas for my family’s debt as well. Just an idea for the $200 savings challenge take that money and split it within the different envelopes in your baby binder help bulk that up a little more.
I have a care credit mastercard. My daughter needs almost 1k in dental work. Just starting my debt payoffs so not much saved. How do you get the promotional financing on care credit? Saving some interest would be great. Loved the video and purple is the best.
I think as soon as you make a payment, the promo kicks in. Depending on the amount, it tells you the promo term. Ex. $500 is 6 months, $1,000 is 18 months, etc.
Lily, you’ve got this under control!! I can tell that you put a lot of time, energy and thought into this plan and I know it will work out for you!! I know there are a lot of people cheering you on 🎉🎉🎉 My favorite color is blue, by the way!!!😉
Hey Lily! on the credit cards - you can totally pay down the full amount. Just leave them open and every month spend just a little bit that you can pay off at the end of the months to keep them active. I've been doing that and it's helped my credit come back up (it was so bad a few years ago I got denied when I tried to open a CC)
That’s a good idea. I used to use my credit card just to pay for gas and then I would pay it off on its due date. I don’t do that anymore but it could work. :)
Came to say the exact same thing 💙
Kudos for putting it out there. Even if you dont post it for us all to see, i highly recommend throwing this all in google sheets or something. Update it monthly or quarterly and it is really encouraging to see the progress that has been made. I feel like that is when i made huge progress becasue then you sort of get completittive with yourself. I'm crushing debt girl. in 2024, I paid off $14.5k in debt. i am looking to be debt free by my bday in july. then i want to focus on fully funding emergency fund, saving for me wedding, and a house. i was a late bloomer with realizing debt just need to go so im proud of you for figuring it out much sooner in life than i have!! 💛
Purple! Like others have said, just pay the cards off. Now that I have zero balances I just put groceries on them and use my budgeted grocery money to pay it off. My scores went out when I paid them off.
I think the debt payment plan is fascinating to watch! 🍀
Pay the credit cards to zero and then like the others have said just put a tank of gas once a month and the pay it off when due. This is what I do and my financial planner told me to do as well and my FICO score is in the 800’s. The more you’re hard earned money is going to debt the less you have to put to what you really want to. Girl you so totally have got this we’re here with you 😊
My favorite color is green too.
My biggest goal this year is an Emergency Fund, (100 Envelope challenge), Month Ahead,( at least my fixed bills) and Christmas fund.
Lily, I've been following you for a while now and you are an inspiration to so many. Thank you for being so transparent it really helps others! Blessings to you! Oh and I love the color blue and green is right up there!!
My fav color is probably sage green if I had to pick one😉 This is totally doable, Lily! You have an awesome plan and you’ll absolutely crush it. Freeing up the money from these payments is going to help you out so much. I know initially you said you wouldn’t share this but I’m so glad you decided to because this is going to help and encourage a lot of people. So excited to watch you do this.👏🏻
Could you rent out a room in your home for a while - to help pay
You got this :) When you pay the cards down, use them for a tank of gas every month and pay it off in full it'll really help your credit score. My favourite colour is grey.
You got this. My favorite color is pink and baby blue
Are you going to use the snowball method?
Great job on this, you got this. I've been there, stay focused ❤
You got this girl! Here for support and cheering you on!
You got this Lily! We have about $40k combined in consumer debt so that is our focus to get under $20k by 12/31. 🎉
My favorite color is Red! You are doing so well writing this all out and taking control of it!
This sounds like a great plan! Have you looked into doing a balance transfer for the best buy card? Usually the cards you already have will sometimes have offers for BT and they often times are 0% APR. My favorite color is green too!
In case you didn’t catch it, on your $215.52 the amount should be $110 and $105.52 that equals $215.52 you have it as $225.52
💛Totally get it, nothing to be embarrassed about. My favorite color is purple lol. I think it’s a solid enough plan.
my favourite colour is green 💚 wishing you good vibes to reach your goals!!
Lily, my favorite color is green
Great job planning on tackling debt
I too struggled with debt when I was in my 20's. After paying ot off I have managed to have limited debt as the sacrifice of paying off all the debt made me stronger.
I know you can do this!
Proud of you Lily, sounds like a good plan💛
You got this, turquoise is my favorite color
Loved the video! You’ve got this just stay focused and you’ll knock them all down one at a time. 💛💛💛
My favorite color is also green. This is the year I finally will be debt free (excluding mortgage). I have $9500 to go! 💛
Hi Lily! I'm focusing on paying off the HELOC I'm on, then it'll just be student loans for me! Your plan looks super doable! Rooting for you!
Good luck!
Fave color is rose gold💞💞
So happy for you Lilly! Don’t be ashamed I still use me credit card and I still cash stuff. I just prefer to not always have cash on me. I’ve been following your channel for a while and I’ve seen you go from not really wanting to discuss your debt to making this plan now that works for you. Stay encouraged and stay disciplined. Even if you have a rough month cut your planned amounts in half. So proud of your girlie!!
You got this.We've all been there with credit card debt. Im thankful we finally paid off that balance. Last month. Purple 💜💜
I need to look into the 30% and how that helps credit. Black, blue (like a dark and metallic sapphire), and purple (plum or deep indigo).
You can call Best Buy and ask for a better interest rate as a short-term solution. You can always ask creditors to lower the rate.
Lily once you’ve paid off those smaller amount find a o% credit card and transfer your Best Buy cc balance. You usually get 12 months 0% interest. Then definitely put the BB card away and throw as much as you can each month to the 0% card. No need to go drastic. But you know yourself so do what you know will work for you. Btw my favorite is green too.
I have $29,000 in debt not including my student loans. 🤢 I am so stressed and hoping to get rid of atleast half of it this year!
This year I'm concentrating on major savings now all debt is gone, every magic month I used it to power pay my biggest debt total, so proud of myself! Now every magic month I reward myself with putting the whole chq. Into savings, as well as the same amount of money I used to have to pay each month for the debt. I've done a complete 180 and it is sooo exciting to see the account building instead of emptying 😅 Good good luck with your very good plan, you'll get there 💛
Happy Sunday & love the new dashboards ❤ Much success with your debt journey 😊
30% for taxes is a great idea. I'm going to try that. Awesome tip!
My care credit is at $27K, not including the $15k I transferred to a longer term 0% interest card. (Both of my dogs have cancer and are doing great but it is sooooo expensive.) You 💯 totally got this!!
Also, purple. 💜💜💜
Green
💛💛 Fvorite color is purple
Great plan and you got this!
Maybe I missed it, but are you still stuffing the adorable baby binder? I love your channel and content 🤍 I wish I was this dedicated to my finances when I was 25!
Also, proud of you for sharing your debt with the world. I know you’ve said in previous videos that you weren’t ready to do that, but it really is freeing finally being transparent with your debt. And you have a great plan!
Your new binder is the same as my first ever binder 😊 What are you printing your envelope labels on?
Fave color is yellow 🌼
You can do it girl 🎉🎉🎉❤❤
And dark purple 💜
Hi Lily! New Subbie here💗 Beautiful Binders!!!🥰✨
You got this! I have just my student loans left but that is over $30k so that will take a while! I have USAA insurance and it’s so cheap! Overall this year I’m focusing on saving for a wedding
I have AT&T Internet, great internet and spend $65 a month. There’s an idea for internet.
Great job on the debt pay down, I’ve been coming up with ideas for my family’s debt as well.
Just an idea for the $200 savings challenge take that money and split it within the different envelopes in your baby binder help bulk that up a little more.
Think that's a really good plan ❤
fave color is pink 🩷
Hi,Lily
My favorite color is pink 💗.🙂
My favorite color is green. 💚😊
Grey, green and blue 🎨
My favorite color is "Taupe"
My favorite color is pink!
Mine is pink! 💕
I have a care credit mastercard. My daughter needs almost 1k in dental work. Just starting my debt payoffs so not much saved. How do you get the promotional financing on care credit? Saving some interest would be great. Loved the video and purple is the best.
I think as soon as you make a payment, the promo kicks in. Depending on the amount, it tells you the promo term. Ex. $500 is 6 months, $1,000 is 18 months, etc.
@annie4horses ok. Thank you. That makes sense.
💛💛
Please pay off the credit cards to zero but just leave them open.
🔵🔵🔵🔵 fave color 🥰
Blue 💙💛💛
💛💛💛
Purple
💜
💚
Blue
Lovely video 🩵 You totally got this!! 🩵🩵
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