I truly believe that not having credit cards is the way to go😊 i have had no credit cards for over two years. It was a bad habit and i broke free. No more credit cards for me.
Hi Tina, I am debt free now, but it took me about 6 years to get there. Yes, you can eventually be debt free too, so please stick with it. Maybe you want to consider reducing the number of sinking funds and redirect that money to your credit cards. Best of luck 🙂
I know debt can be overwhelming at times for everyone. Congratulations for sticking with it and getting those cards paid off. We are working on paying off cards right now also. Ended up rolling a few balances over to new cards with zero interest for 12-18 months. We stopped using 99% of the cards that we did the balance transfers on. I am using 1 rewards card to earn gift cards for birthday and Christmas gifts. I try to pay that off before the statement cycles so I don't pay interest. 😊
You're going a great job Tina, I know this breaks you heart to be in this position again. But to be honest Tina you got this. You have come so far and the numbers this time a less plus you know more about this time. I am truly proud of you. ❤
It's ok to use them we just have ro pay them back and since u have a plan of action it make it even more easy ro tackle just follow ur plan of action who's with us LETS GO
Hey Tina!! I know the struggle of trying to pay off debt, I remember I had almost 20k in debt and I was so relieved when I got it all paid and told myself I would never get another loan. And what did I do? I got another loan, some years down the road ontop of using credit cards to budget. Sometimes, I wonder if I should go back to cash budgeting. But, budgeting with credit cards offers a different type of challenge. Anyway, I'm rambling 😅 You're doing a great job, Tina. You got this! 💕
Credit card fo us. It gets paid back throughout the year then fully paid off every tax time. We moved for hubby's job so we have our mortgage for the house we own now an investment property plus rent here and bills. It's like paying 2 mortgages.
@@APinkeClothlife for sure. Was our family home. We hope to save and buy where we currently live eventually but it's a lot more expensive. Will take some serious savings challenges. Lol!
Hey Tina when you begin to shop for a dining room set try thrift stores or used furniture store that will save some money, also maybe do a savings challenge towards your purchase. Just a thought.
I just bought a new home, only bought a dining room set and breakfast nook set so you already know buying all beds, mattresses and a couch has your girl spending money that I’m trying not to spend. Last time I bought furniture was over 14 years old because I had a lot of nice hand me downs. But like you said not trying to rush the process so I’m trying to make sure I have cash for everything. For kids bedding we went new from Value City Furniture my oldest bed has 2 drawer storage and my youngest son no additional storage, boys are 9 and 6.
Congratulations on your new home!!!! 🏡 I’m sure it’s pretty. The small house we had we barely had any furniture at all. I wish we had more thrift shops here
Thus video was very informative and very encouraging im paying off my personal loan this month and starting on paying off credit cards im definitely taking it one card at a time, thank you 🇿🇦💕
Just watched some of your vids. Since first vid up to now. I was 14k in debt on August 2022. I'm down to $6.4k. Not gonna lie I should had finished this past January, but bought lots of stuff little by little. I'll be checking up on you to see who finishes first. You should be around 12.1k in debt. You make double what I make in a month, so I like this challenge. LoL
I don't get my hair done anymore. Do my own nails most of the time. Buy a lot of second hand clothes or clothes in sale. But yep, you have to fill your bucket. I still get that pedicure every few months and buy new stuff when I need it. I also love food but not cooking so I eat out occassionally.
I don’t like having store credit cards even for the 5% off because it makes me have to be loyal to the store/brand rather than shopping around. No thanks.
I truly believe that not having credit cards is the way to go😊 i have had no credit cards for over two years. It was a bad habit and i broke free. No more credit cards for me.
@@kimford-cc1tk very proud of you for completing your goal to be credit card free and sticking to it
You have to feel the burn/pain of getting out of debt. 💕 Work on your money mindset instead of swipe, swipe, swiping those credit cards. 💕
This is so true. And it is so easy to swipe these days
Hi Tina,
I am debt free now, but it took me about 6 years to get there. Yes, you can eventually be debt free too, so please stick with it. Maybe you want to consider reducing the number of sinking funds and redirect that money to your credit cards. Best of luck 🙂
Thank you so much for your feedback and congratulations!! Ii will be looking f over my sinkingfunds
On my way to being debt free. Going to give up my favorite treat to get there. SODA
Your approach to budgeting is really practical and effective 😌
Thank you
I think its worth using a card if it saves money but only if you aren't just charging and not using the budgeted cash to pay it off.
Right. I just didn’t want to use my saving too
I know debt can be overwhelming at times for everyone. Congratulations for sticking with it and getting those cards paid off.
We are working on paying off cards right now also. Ended up rolling a few balances over to new cards with zero interest for 12-18 months. We stopped using 99% of the cards that we did the balance transfers on.
I am using 1 rewards card to earn gift cards for birthday and Christmas gifts. I try to pay that off before the statement cycles so I don't pay interest. 😊
I like your strategy that you guys used to get out of debt.
Heyy Tina, i hope all is well. I didn't think debt ever ends unless a person have a lot of cash. ❤❤ the video.
Hey love you are correct!!
You're going a great job Tina, I know this breaks you heart to be in this position again. But to be honest Tina you got this. You have come so far and the numbers this time a less plus you know more about this time. I am truly proud of you. ❤
Hey there and yes, it does but I know that the focus I can get back out of that debt
Speak your truth, Tina! God Bless, you. You will succeed, one card at a time! ❤
Yes!🙌🏽 🙏🏽 you are so right!!
It's ok to use them we just have ro pay them back and since u have a plan of action it make it even more easy ro tackle just follow ur plan of action who's with us LETS GO
Yes ma’am!!!
Great video Tina! I definitely use my Target card for the extra discount, I try to have the money in my sinking funds so I can pay it back! 💚💚💚
Thank you for watching🩷🩷yes that is what I try to do also
Hey Tina!! I know the struggle of trying to pay off debt, I remember I had almost 20k in debt and I was so relieved when I got it all paid and told myself I would never get another loan. And what did I do? I got another loan, some years down the road ontop of using credit cards to budget. Sometimes, I wonder if I should go back to cash budgeting. But, budgeting with credit cards offers a different type of challenge.
Anyway, I'm rambling 😅 You're doing a great job, Tina. You got this! 💕
Hey there
Yes it like your focused pay it off and then like you say here we go again. But congrats on paying off all that debt tho!!!
Thank you thank you! ❤
Credit card fo us. It gets paid back throughout the year then fully paid off every tax time. We moved for hubby's job so we have our mortgage for the house we own now an investment property plus rent here and bills. It's like paying 2 mortgages.
The investment property will definitely pay off. In the future
@@APinkeClothlife for sure. Was our family home. We hope to save and buy where we currently live eventually but it's a lot more expensive. Will take some serious savings challenges. Lol!
Love glitter. I love that calculator!
I love me some glitter lol. Thank you🩷
Hey Tina when you begin to shop for a dining room set try thrift stores or used furniture store that will save some money, also maybe do a savings challenge towards your purchase. Just a thought.
I need to check our goodwill not alot of thrift stores around town tho. Thank you 😊
I just bought a new home, only bought a dining room set and breakfast nook set so you already know buying all beds, mattresses and a couch has your girl spending money that I’m trying not to spend. Last time I bought furniture was over 14 years old because I had a lot of nice hand me downs. But like you said not trying to rush the process so I’m trying to make sure I have cash for everything. For kids bedding we went new from Value City Furniture my oldest bed has 2 drawer storage and my youngest son no additional storage, boys are 9 and 6.
Congratulations on your new home!!!! 🏡 I’m sure it’s pretty. The small house we had we barely had any furniture at all. I wish we had more thrift shops here
Thus video was very informative and very encouraging im paying off my personal loan this month and starting on paying off credit cards im definitely taking it one card at a time, thank you 🇿🇦💕
Thank you for watching. Yes one card at a time🩷
Thanks for another great video. Do you have a printable version of the debt payoff sheet? I use the large happy planner for my budget binder
Thank you so much for watching
Yes I do
Just watched some of your vids. Since first vid up to now.
I was 14k in debt on August 2022. I'm down to $6.4k.
Not gonna lie I should had finished this past January, but bought lots of stuff little by little.
I'll be checking up on you to see who finishes first. You should be around 12.1k in debt.
You make double what I make in a month, so I like this challenge. LoL
Thank you so much for watching!!🩷🩷you are rolling and doing great
Thanks Tina!! Your awesome!!
🩷🩷🩷
I don't get my hair done anymore. Do my own nails most of the time. Buy a lot of second hand clothes or clothes in sale. But yep, you have to fill your bucket. I still get that pedicure every few months and buy new stuff when I need it. I also love food but not cooking so I eat out occassionally.
That really saves all when you do it your self along with eating at home also
I have student loan debt, im paying off the some smaller stuff right now by January i should be able 2 focus on it
Awesome. That sounds like a great plan
Was that my internet grandson I heard? He must keep you on your toes LOL 😂
lol
Yes that was him and yes he does 🤣🤣🤣
Hi Tina!😊
Hey!!!
Great video
Thanks for watching 🩷
Progress not perfection
Yes!!!! 🙌🏽
Hey Tina ❤
Hey🩷
I don’t like having store credit cards even for the 5% off because it makes me have to be loyal to the store/brand rather than shopping around. No thanks.
Thank you for watching and thoughts on the 5%
💞
🩷
Girlfriend go to Goodwill or a thrift store Salvation Army, you don't need something too fancy you have a child!! LOL!!
Yes ma’am. Here there isn’t a lot of good stuff they have. At our goodwills here 🥺 I will keep check thank you 🩷
🫶🫶🫶🫶🫶
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