Loved the video! Can totally relate. Made a decent dent on my credit card amount before the start of the year… took a spur of the moment trip… had to use my card lol. Did my budget it was a nice little reality check 😅 Keep up the good work!!
I’ve been watching your channel since you first started and I actually started my debt free journey because of it. I started my channel documenting my journey as well. But I’m very proud of how real you are. We’re human and we make mistakes, but you’re learning and handling it gracefully. Awesome job
Still working on personal loan instead of paying $400 a month i paid $730 on 2/1 and need to continue if i want to be done by 12/1/23 new balance is $7685.11 from 10k last August
One of the best things I can do when I get overwhelmed by my to dos … make a list of need to do … make a list of wants to do … turn on the music and set a clock (15 mins) at a time and see how many needs I can get done ! And reward myself after with wants to do ! Your doing great ! Glenda and yes interest sucks ! But you will be done soon ! 🎉
This was such an uplifting video! Your personality makes me smile....that 'hooker' card 💳 😄 Anyway, you writing down and showing us how the debt has actually gone up, instead of down, was eye opening.
I'm paying using the debt avalanche this time around. Highest interest has to go. I'm tempted to open another 0% interest balance transfer card just to save $.
I am currently on my debt free journey as well. I never make just the minimum payment on my other debts. I always pay down to the nearest hundred after my minimum payment. Your Amazon card at 4,586.71 - 149 = $4,437.71 before interest rolls. I would pay $186.71 to bring it down to a payment before your statement to a balance of $4400. I know it maybe a little backwards but I’ve brought my minimum payments due a every month down this way on larger balance cards, allowing the payments I do make to go further. Easier to add together too 😂
Way to go on getting 3 accounts payed off! Did you ever decide to pull from your emergency fund to cover the "hooker" account with the insane interest?! I LOL'd when you called it that. Great vid! :D
Are you using the snowball method to pay off the 1st card, continue paying what your minimums were for the 3 cards you paid off and add it to this card. When your done with that do the same thing for the next card. You've got this!
Fun fact. Your interest thru that card or account isn’t all you’re paying on. And no you can’t dispute . You can only ask for the current interest they offer . Also the credit bureau ppl add theirs which fluctuates and they have to follow that. So let’s say you have a card at 10.99% that’s not what you’re paying you’re paying what fed is at . Add whatever they are on top of your existing one thru the institution. And be mindful since the fed one is variable it raises. Yes it lowers but mostly it’s been raising. Your 10.9% is actually like 18-20%. You can’t dispute or lower it nor can that bank. It’s the law. Credit cards are gross .
Omg 💀 “This hooker”!, 😂😂😂🤣🤣🤣🤣🤣😆thank you bc that made me laugh so hard! Also let it be noted that your girl over here loves the name “my emotional spending card” Love your vibe and channel!!!! You got this Erika!!
Girl.... your debt story is my debt story. I just put more $ on the amazon card I'm currently paying off because my daughter is turning 7 on the 17th and of course we need to celebrate 🤣 Hubby is having a birthday in March and then our anniversary is in May 😂😂😂 I wanna pay it down but um.... I still put chunks on it but its at a standstill with me charging it again
Loved the video! Can totally relate. Made a decent dent on my credit card amount before the start of the year… took a spur of the moment trip… had to use my card lol. Did my budget it was a nice little reality check 😅
Keep up the good work!!
I’ve been watching your channel since you first started and I actually started my debt free journey because of it. I started my channel documenting my journey as well. But I’m very proud of how real you are. We’re human and we make mistakes, but you’re learning and handling it gracefully. Awesome job
Still working on personal loan instead of paying $400 a month i paid $730 on 2/1 and need to continue if i want to be done by 12/1/23 new balance is $7685.11 from 10k last August
That’s awesome you have an end date ! Definitely motivates to have goals
@erikalifevlogs yes ma'am makes you more accountable and more motivated to achieve i got one big plan with 4 plans under it 🤣🤣🤣🤣
One of the best things I can do when I get overwhelmed by my to dos … make a list of need to do … make a list of wants to do … turn on the music and set a clock (15 mins) at a time and see how many needs I can get done ! And reward myself after with wants to do ! Your doing great ! Glenda and yes interest sucks ! But you will be done soon ! 🎉
This was such an uplifting video! Your personality makes me smile....that 'hooker' card 💳 😄
Anyway, you writing down and showing us how the debt has actually gone up, instead of down, was eye opening.
Oh I know and with less accounts this time around 😅. But I will say interest does kill !
I'm paying using the debt avalanche this time around. Highest interest has to go. I'm tempted to open another 0% interest balance transfer card just to save $.
Those transfer balances are tempting. My temptation right now is just taking out a personal and consolidating everything
@@erikalifevlogs I did that once.... doubled my debt cause I saw the cards had 0 balance and my mind went Ooooo. 🤣🤣🤣
I am currently on my debt free journey as well. I never make just the minimum payment on my other debts. I always pay down to the nearest hundred after my minimum payment.
Your Amazon card at 4,586.71 - 149 = $4,437.71 before interest rolls. I would pay $186.71 to bring it down to a payment before your statement to a balance of $4400.
I know it maybe a little backwards but I’ve brought my minimum payments due a every month down this way on larger balance cards, allowing the payments I do make to go further. Easier to add together too 😂
Way to go on getting 3 accounts payed off! Did you ever decide to pull from your emergency fund to cover the "hooker" account with the insane interest?! I LOL'd when you called it that. Great vid! :D
No not yet. I’m going to wait a bit. I need to see how the climate in my life proceeds before I do something drastic like that
Are you using the snowball method to pay off the 1st card, continue paying what your minimums were for the 3 cards you paid off and add it to this card. When your done with that do the same thing for the next card. You've got this!
Fun fact. Your interest thru that card or account isn’t all you’re paying on. And no you can’t dispute . You can only ask for the current interest they offer . Also the credit bureau ppl add theirs which fluctuates and they have to follow that. So let’s say you have a card at 10.99% that’s not what you’re paying you’re paying what fed is at . Add whatever they are on top of your existing one thru the institution. And be mindful since the fed one is variable it raises. Yes it lowers but mostly it’s been raising. Your 10.9% is actually like 18-20%. You can’t dispute or lower it nor can that bank. It’s the law. Credit cards are gross .
Omg 💀 “This hooker”!, 😂😂😂🤣🤣🤣🤣🤣😆thank you bc that made me laugh so hard! Also let it be noted that your girl over here loves the name “my emotional spending card” Love your vibe and channel!!!! You got this Erika!!
You’ve got this!! We all have YOLO moments let’s be honest lol. 😅😬
Haha we do ! It’s just more brutal when you put it out on the internet lol
Girl.... your debt story is my debt story. I just put more $ on the amazon card I'm currently paying off because my daughter is turning 7 on the 17th and of course we need to celebrate 🤣 Hubby is having a birthday in March and then our anniversary is in May 😂😂😂 I wanna pay it down but um.... I still put chunks on it but its at a standstill with me charging it again
Hahah oh man birthdays! They are a weakness. I don’t blame you lol. We all have our moments just don’t get out of control ! :)
My interest payment went up too 🙄
It’s sucks!
Yolo but we got this. 🤪
Yes we do!