I know what you’re going through. When my husband died last year he left me with a lot of debt in my name that I had to pay. I finally got it all paid off earlier this year and I can’t tell you how wonderful it feels to owe no one. Good luck on your journey. 💛
The worst part for me was adding everything up. Just not knowing where I was at, was scary. Once I knew, I could make a plan and envision my debt free future. I gave the power back to myself. I have been debt free for 4 years now, best feeling ever. You got this.
From the title I was expecting the debt level to be so much higher. Everyone’s financial journey is unique though… and while some might wish their debt was this low… it obviously troubles you. But you have a plan and the right mindset. Can’t wait to see your progress.
Thank you for your support BFF❤️ I was shocked bc I didn’t think my numbers were that high, I guess I was in denial and yes it’s not hundreds of thousands of dollars it was way more than I thought. I’m looking forward to this journey and glad you’re here with me
Hi Gigi, first and foremost congrats on being brave enough to share your debt confession. It’s difficult to share but it’s definitely very liberating to put it all down on paper. You’ve got this and we are all here to support you and watch you crush your goals.❤
While the realization of seeing the numbers on paper isn’t fun, your total is not terrible. Especially considering this includes your mortgage. Don’t beat yourself up. As long as you and hubby are a team, you’ve got this! When I started doing and living on a written monthly budget, I found money I never knew I had! A budget means FREEDOM to me. It means I have control and I tell my money where to go instead of being broke at the end of the month and wondering where it went. Now I’m intentional and wow! What a difference that makes! I am currently in the process of using the snowball method to pay off the last of my debt. I finished credit cards. Now I just have the last little bit of my student loan and my car to go! Let’s go get debt free!!
You can do this!! My number is higher and it’s stressful, but it’s better to know and take action than hope it goes away on its own-because it doesn’t!!
Thanks BFF❤️ it was very hard to see those numbers but y’all have been so supportive and that support has lifted me so….I can’t wait to get this debt paid off
Hey so brave of you for sharing! I love that you are using the avalanche method!! The only suggestion I would have is to put the minimums onto all cards except the focus card so that the progress of paying off the individual cards will be more focused. Best of luck!
I'm Gigi also. You're further than most. I'm just trying to regain control of my budget. I haven't gotten to the point where I can put anything towards debt. But I'm starting. You are an inspiration. Just keep going!!!❤
Hi Gigi, the most important thing is just beginning your budget! My 1st budget was a mess and so was my 2nd 😂 but I kept at it. At 1st it was hard and we didn’t have extra either but this method absolutely works and no matter how small the step is it’s still progress and one day you will have money to put towards your debt! You’ve done the hardest part BFF❤️
Sending positive vibes your way. I know it took a lot of courage to post this. I did a debt confession video as well and it’s a reality check. But you got a plan and you definitely got this! ❤
New sub alert! Hooray for taking that huge step of writing down your debt! It definitely doable!! Sharing in the community will help keep you motivated!! We’re all hear to encourage you!!! 🌺
Hi Gigi! Thank you for being vulnerable and willing to share this. I know this is very hard for you, but I know you can do this! It is so important that people share their debt journeys as debt is not uncommon, and it’s helpful to see you’re not alone. As a young adult, I really value these videos to help inform myself. You are not only building good habits, but also teaching others as well! Thank you, and best of luck to you!
New subbie. You are so brave for putting it all out there but it is worth it. Writing it down amd facing it i think was a hige step for even me to get started a year ago. The budgeting community is amazing and you will be so amazed at your progress and growth as you do this journey. 😊🌹
Sending so so much love 🤍🌸 you remind me a lot of my mother in every one of your videos and it breaks my heart hearing you sound so sad about the debt ! Everything is going to be okay you sweet woman 🤍🤍🌸
💐💐💐Yes it is hard when you face that number. But you showed such courage in even posting your current situation. I’ll be cheering you every dollar on the way! 🍀🍀🍀🍀
I didn’t realize how difficult it was going to be until I actually did it! But you guys have definitely pumped me up and now I’m excited to tackle it! Thanks BFF❤️
I am praying for you and cheering you on, as I face my own sobering numbers. Looking forward to learning any tips and finding encouragement as I pray for your journey! ❤
Miss Gigi, I missed the joy in your voice today. However, I understand. We all are striving to find a way out. You have been my inspiration to do my budgeting in a different way. Thank you. We're all going to be debt free one day. Don't you let those numbers get you down. You've come a long way. Looking forward to the next video my friend.❤🌺🌹
You got this all you need to have as a solid plan in place and I think that you can clear the stat. Not a problem! New subscriber here can’t wait to watch your journey.
Gigi thank you for sharing with us. While it seems like a ton right now, in one year you're going to see so much progress and you have a whole community who can support your wins.
Much love girlie!!! You can do this. Just another hurdle in life but this isn't going to stop you. Little bit at a time and seeing it on paper it becomes a game. You get to see the progress and it is amazing!! XOXO
Thanks for sharing you got this ✨🌺❤️ channel your inner chipmunk 🐿️ for savings and budgeting 😊 Am also on a long debt free journey. Best thing i have been doing for daily motivation and reminders is listening to the Ramsey Show. Enjoy the journey as well you got this 🙏☀️
Sending you loads of support and positivity! ❤ We all have our ups and downs, and it takes courage to share a debt confession. You're not alone on this journey, and you've already taken the first step towards financial freedom by addressing it. Keep pushing forward, you've got this! ❤ 🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸
You can do it, we paid off over 100k, and toward the end of it I quit my job to be a stay at home wife, so the last part was single income. It can be done. Personally I would add up everything that is not the mortgage and focus on that number first, it will seem much less daunting.
Sending you love and support❣️ I suggest continuing to watch the budget videos. They help me stay on track with my tight budget. I am surprised at how they keep me out of stores like TJ Maxx, my weakness. Since doing this, I have only spent $1.44 , but it was a needed item. 😊
@@affairsinorderwithgigi …and do not even get me started on Sephora‼️🤣 My backup skin care and makeup items take up 2 of the 3 shelves in my fridge, and the entire door‼️😳 If I can be in over shopping recovery, you and your husband can also.
New Subscriber! You can get this knocked out in no time! Just think how amazing it will be to see this sheet of paper next year or the year after and see how far you’ve come!
Don’t be sad you got this😊💐💐💐💐I have more debt than you and I’m doing this alone besides GOD, and I know he’s got me so you got this!!👏🏽👏🏽👏🏽💪🏾💪🏾💪🏾! Newly subbed and I’m here watching and rooting for you!!!❤🙏🏾🙏🏾🙏🏾🙏🏾
You have joined the group of debt busters. You have got this. Think about this; if you decrease the monthly amount for the first 5 to $100 each that will give you $250 more to pay on #2. This may give you more hope as one bill will be gone in a little over 6 months. I’m on your side either way.
Thank you BFF❤️ The best advice I can give is to just start a budget if you haven’t already! The form I’m using is a free download from The Budget Mom’s website. She has lots of free resources on her website. All you have to do is create an account with your email and then login. I hope that helps you with your journey! We can be debt partners and support each other bc a baby step is still moving forward and is progress! Best wishes BFF
I just want to say that you are so smart, and so courageous to not only bring this out in the open but to address it and not ignore it. There are more people than you can even imagine that are in the same situation or even worse. So I want to thank you for your bravery, and helping others to see what they can do to improve their financial situation. I was wondering do you have any automobile payments or do you own your cars and do you have monthly expenses like a cell phone or utilities? Because wouldn’t those have to be included so that you have an idea of how all of your money is spent on expenses? Granted, utilities are not a debt, but they definitely come out of your pocket in terms of paying them, which would give us a better idea of what monies you have that are free to be used to pay your debt down. I am inspired by you and I thank you so much for doing this because there are those of us that need to have this same discussion with our families. 💕💕💕💕💕
Thank you BFF so much for your support and kind words. Our vehicles are old but paid off. Yes we have monthly bills and I have several videos on our monthly budget that shows that information that I hope you will enjoy watching😊
I used to listen to the Dave Ramsey show…..sometimes if I recall correctly …he would have people consider downsizing with cars and home if possible…..also recommended is to sell any assets like motorcycles or extra household items….definitely decrease groceries….going out to eat is expensive…so he always recommended eating at home…just a couple ideas…..I will be one of your cheerleaders 📣 You got this!
Hello! Hope you are feeling better after owning up to your situation. I wish you every success on this journey. I will at some time go back and watch all of your videos. Susan.
When I see these videos my heart breaks for the person facing their debt. Overwhelming does not begin to describe the emotion. Is it possible to remortgage, pay off the cards in full and NEVER use those cards again? When I say remortgage I mean use some equity JUST ENOUGH TO PAY OFF THE CARDS. we did this decades ago and it cured us from ever having consumer debt again. Our mortgage payment is 412.10 a month. And no debt otherwise.
Thank you BFF for the comment ❤️ I haven’t ever checked on home equity to pay off debt. I’m totally afraid to get debt to pay debt, but I will check into that!
I don’t know how you got interest Rate for apple that low when mines is 27%, I owe around $1800 across all accounts and I’m over here stressing since I was $6.5k in the whole earlier this year and paid it off all to be back in the whole $1800 against currently. I hate credit cards but they seem to help out when in tough times with the APR makes things worse in the long Wrong. Keep going
Thanks for the encouragement BFF! I always say that Im not anti-credit cards, I’m anti-credit card debt! They can be used properly but it takes a bunch of discipline! You’re gonna get that $1800 paid off in no time!
First and foremost this is the first step in the right direction! Remember your mortgage is debt every financial advisor will tell you that this is okay. Just keep moving forward, that is all you can do.. but I do feel you that 2 years ago we were debt-free, we thought we were prepared enough for our international move with about 20K in savings but it wasn't enough so now we have about 16K that we are working towards getting there again. and when we move sadly we will have to buy at least one car
I was confused about the mortgage bc I was told it wasn’t really debt but I feel if it’s a bill I have to pay then it’s a debt! Thank you for the kinds words BFF❤️
Ok, so, that's a lot, but there's a bright spot: That mortgage balance. Honestly, that's a gift. I would spend two years hard core on the other debts, then spend the next three years or so on that mortgage. I don't see why you can't be fully debt free, including the mortgage, in five years or so. Also, you're putting a significant amount above the minimum payments on those cards. I know you're stressed, but this is a good plan and if you stick to it, you should be fine.
no weapon formed against you will prosper, you are doing the work, and God will cover your progress, fear shows failure but faith shows the future, stay on your course and you will see past the cloud that's blocking the sun light, you got this!!!!!!!❤❤❤❤❤
Have you thought about a Debt Consolidation loan through a Credit Union? Also maybe calling your creditors to see if you can lower your interest rates a bit? I feel like there is a way to get your payments down each month. Good luck!
I agree with you 100% about the ridiculous medical costs! It’s inhumane! By you and your spouse taking the responsibility to have health insurance, you should not have that amount of out of pocket! The next time you get a major bill from a medical entity … call and try to negotiate a lower amount due. Plead your case … you are double covered, etc. Most medical entities will work with you to lower the total they are owed. One suggestion - I personally wouldn’t pay any more on the mortgage than the minimum. Reason being - I’m assuming your home loan interest is significantly lower than your credit card interests. So, take that extra money you’re putting toward mortgage and put it on your credit cards - mathematically it makes sense to do so - your money goes farther that way and you’re out of credit card sooner. Then, when all credit cards are paid off. - and you WILL do that - then you can double up or triple up on your mortgage payments if you want to. Take care. You are absolutely on track …. All the best on your journey - that will be successful! 👍
If you are able to make use of balance transfer promotions, sometimes it is worth paying a 3% transfer fee in exchange to be able to pay off the balance without interest. Could save a lot of money, especially if one is paying high interest. And, it can be a lot cheaper than taking out a low interest loan. You'll get there!
Hi there! A++ on accountability! I am in Canada so I don’t know if this is an option for you but, can you consolidate your credit card debt through your mortgage holder through a line of credit? One payment at much lower interest rates. Just a suggestion. Thanks for this! 👍
If you have a good credit score and are disciplined, I would open an account at a credit union, get a home equity line of credit (no closing costs) and pay that $30k in cc debt off. Even at the prevailing 8% rate, it's still way less then the current blended rate you're paying. Then just concentrate your efforts on paying it off. I know it's a variable rate, but it will take years to get up to the rates you are paying now. By then your balance will be either significantly lower or gone. Don't refinance your mortgage. That 4% is gold.
The interest rates are super high. Since the mortgage is low, I'd borrow against the house and pay extra every month or find a single care or two and go fo a lower interest rate. The finance industry is a total rip off.
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I know what you’re going through. When my husband died last year he left me with a lot of debt in my name that I had to pay. I finally got it all paid off earlier this year and I can’t tell you how wonderful it feels to owe no one. Good luck on your journey. 💛
Thank you so much BFF for your comment. I’m so glad you got that debt off your back and I can’t wait to feel that relief!
You did great, although really hard for you
The worst part for me was adding everything up. Just not knowing where I was at, was scary. Once I knew, I could make a plan and envision my debt free future. I gave the power back to myself. I have been debt free for 4 years now, best feeling ever. You got this.
That is awesome BFF❤️ I will be there one day 😊
From the title I was expecting the debt level to be so much higher. Everyone’s financial journey is unique though… and while some might wish their debt was this low… it obviously troubles you.
But you have a plan and the right mindset.
Can’t wait to see your progress.
Thank you for your support BFF❤️ I was shocked bc I didn’t think my numbers were that high, I guess I was in denial and yes it’s not hundreds of thousands of dollars it was way more than I thought. I’m looking forward to this journey and glad you’re here with me
I’ve just stumbled upon this, and I wanna say you facing your debit is so important Thank you for your bravery. You’re getting there.
Thank you so much BFF😊 It was a very vulnerable video to make but if I can help just one person it was worth it
A budget is one of the most powerful weapon you can have against financial ruin budget is on your side💐👍
Hi Gigi, first and foremost congrats on being brave enough to share your debt confession. It’s difficult to share but it’s definitely very liberating to put it all down on paper. You’ve got this and we are all here to support you and watch you crush your goals.❤
Thank you so much for your support BFF❤️
@@affairsinorderwithgigi Anytime luv🩷🌸🩷
You don't need our support, you sound like you're ready to take on this challenge all on your own, which is great! You got it!
Thanks so much BFF❤️ I appreciate your words of encouragement
You tell your money what to do!!! You’re in control and you can do this!!!
Thank you BFF❤️
While the realization of seeing the numbers on paper isn’t fun, your total is not terrible. Especially considering this includes your mortgage.
Don’t beat yourself up. As long as you and hubby are a team, you’ve got this!
When I started doing and living on a written monthly budget, I found money I never knew I had! A budget means FREEDOM to me. It means I have control and I tell my money where to go instead of being broke at the end of the month and wondering where it went. Now I’m intentional and wow! What a difference that makes!
I am currently in the process of using the snowball method to pay off the last of my debt. I finished credit cards. Now I just have the last little bit of my student loan and my car to go!
Let’s go get debt free!!
Yes BFF! I always thought it meant restriction but now I’m finding out that it means freedom❤️
Sending you love, Gigi! 💐😊💐 You inspired me to do the same… thank YOU!
Awwww that’s awesome! Thanks BFF❤️
Sending you all of the love!! ☺️💐Think of how far you’ve come just in the last 2-3 months!!! So PROUD of you!! ❤
Thanks so much BFF❤️
You can do this!!
My number is higher and it’s stressful, but it’s better to know and take action than hope it goes away on its own-because it doesn’t!!
Thank you so much for your support BFF❤️
Well done, the best weapon against debt is confronting it and get rid of it. Dont be ashamed you got this.❤❤❤
Thanks BFF❤️ it was very hard to see those numbers but y’all have been so supportive and that support has lifted me so….I can’t wait to get this debt paid off
Hey so brave of you for sharing! I love that you are using the avalanche method!! The only suggestion I would have is to put the minimums onto all cards except the focus card so that the progress of paying off the individual cards will be more focused. Best of luck!
Thank you BFF❤️ and thank you for the suggestion
Totally agree! Seeing a lot of progress on one debt will give a lot of motivation to keep going.
I'm Gigi also. You're further than most. I'm just trying to regain control of my budget. I haven't gotten to the point where I can put anything towards debt. But I'm starting. You are an inspiration. Just keep going!!!❤
Hi Gigi, the most important thing is just beginning your budget! My 1st budget was a mess and so was my 2nd 😂 but I kept at it. At 1st it was hard and we didn’t have extra either but this method absolutely works and no matter how small the step is it’s still progress and one day you will have money to put towards your debt! You’ve done the hardest part BFF❤️
that mortgage makes me cry tears of joy for you 😭 you got this! 💛
Thanks BFF❤️
Knowing where you start, having a plan and starting are the hardest, YOU GOT THIS!! ❤🌻💐💛
Thank you so much BFF for your kind words and encouragement
Oh my goodness, this is just what I needed today. Thank you, this video are incredibly encouraging. ❤
Thank you BFF❤️I appreciate your support
Sending positive vibes your way. I know it took a lot of courage to post this. I did a debt confession video as well and it’s a reality check. But you got a plan and you definitely got this! ❤
I greatly appreciate your support BFF❤️ I’ll check out your channel as well
New sub alert! Hooray for taking that huge step of writing down your debt! It definitely doable!! Sharing in the community will help keep you motivated!! We’re all hear to encourage you!!! 🌺
Welcome BFF❤️ I’m definitely feeling the love 💕 thank you
Thank you for zooming in and using BLACK DARK ink so I can see! Finally someone who zooms in! Thank you so much!
Thanks BFF❤️ I want to see what people are writing so I try to remember that with my videos
Hi Gigi! Thank you for being vulnerable and willing to share this. I know this is very hard for you, but I know you can do this! It is so important that people share their debt journeys as debt is not uncommon, and it’s helpful to see you’re not alone. As a young adult, I really value these videos to help inform myself. You are not only building good habits, but also teaching others as well! Thank you, and best of luck to you!
Thanks BFF I appreciate your support and kind words ❤️ I hope to inspire others
New subbie. You are so brave for putting it all out there but it is worth it. Writing it down amd facing it i think was a hige step for even me to get started a year ago. The budgeting community is amazing and you will be so amazed at your progress and growth as you do this journey. 😊🌹
Welcome Welcome BFF❤️ Thank you so much for your encouragement. Best wishes on your own journey
Sending so so much love 🤍🌸 you remind me a lot of my mother in every one of your videos and it breaks my heart hearing you sound so sad about the debt ! Everything is going to be okay you sweet woman 🤍🤍🌸
Awwww such kind words…thank you so much BFF❤️ I’m gonna get this debt knocked out!
@@affairsinorderwithgigi hell yeah you are ! And of course! :)
💐💐💐Yes it is hard when you face that number. But you showed such courage in even posting your current situation. I’ll be cheering you every dollar on the way! 🍀🍀🍀🍀
I didn’t realize how difficult it was going to be until I actually did it! But you guys have definitely pumped me up and now I’m excited to tackle it! Thanks BFF❤️
I am praying for you and cheering you on, as I face my own sobering numbers. Looking forward to learning any tips and finding encouragement as I pray for your journey! ❤
Thank you BFF❤️ wishing you the best on your own debt free journey
😊💐you took the first step which is or getting your numbers organized. You are committed and will do well. I am here to support you on your journey.
Sending all the love and prayers! You are strong and keep up the amazing work! I can’t wait to see you pay off that debt! ❤💐🌷🌹🌸🌺
Thank you BFF❤️
Miss Gigi, I missed the joy in your voice today. However, I understand. We all are striving to find a way out. You have been my inspiration to do my budgeting in a different way. Thank you. We're all going to be debt free one day. Don't you let those numbers get you down. You've come a long way. Looking forward to the next video my friend.❤🌺🌹
Oh my goodness thank you!! I always said if I could help just one person then I did what I started this channel for, thank you BFF❤️
You got this all you need to have as a solid plan in place and I think that you can clear the stat. Not a problem! New subscriber here can’t wait to watch your journey.
Welcome Welcome BFF❤️ Thank you for your support and I’m so glad you’re here
Well done for sitting and working all of this out. You're determined and you'll smash it! Sending love from Northern Ireland ☘️🥰
Thank you so much BFF❤️ I’m getting support from all over the world! It’s awesome
Gigi thank you for sharing with us. While it seems like a ton right now, in one year you're going to see so much progress and you have a whole community who can support your wins.
It does feel very heavy BFF, I thank you so much for your support❤️
Sending love Gigi!❤ You’ve done the first step! The next ones may not be easy but just keep pushing through 😘
Thanks BFF❤️ That’s exactly what I intend to do!
Sending a lot of love, Gigi. You can do this 🥰😊
Thank you BFF for your kind words of encouragement ❤️
Best video, really clear to understand, good editing. ❤
Thanks BFF❤️ I appreciate your support
Much love girlie!!! You can do this. Just another hurdle in life but this isn't going to stop you. Little bit at a time and seeing it on paper it becomes a game. You get to see the progress and it is amazing!! XOXO
Thank you BFF for your encouragement ❤️ It means the world to me
Thanks for sharing you got this ✨🌺❤️ channel your inner chipmunk 🐿️ for savings and budgeting 😊
Am also on a long debt free journey. Best thing i have been doing for daily motivation and reminders is listening to the Ramsey Show. Enjoy the journey as well you got this 🙏☀️
Thank you for your support BFF❤️ We can be on this journey together and I love the Ramsey show!
You got this Ms Gigi! Don’t be sad. Okay, be in your feelings and then come out and kick some debt ass!!!❤❤❤
Thank you BFF❤️ That’s what I fully intend to do!
Sending you loads of support and positivity! ❤ We all have our ups and downs, and it takes courage to share a debt confession. You're not alone on this journey, and you've already taken the first step towards financial freedom by addressing it. Keep pushing forward, you've got this! ❤
🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸
Thank you BFF❤️
Thank you BFF❤️
You can do it, we paid off over 100k, and toward the end of it I quit my job to be a stay at home wife, so the last part was single income. It can be done. Personally I would add up everything that is not the mortgage and focus on that number first, it will seem much less daunting.
Wow $100,000! That’s awesome BFF! Thank you so much for being here❤️
Hi Gigi! I was searching debt confession videos and yours came up. New subbie and following your journey 🤗💙
Welcome welcome BFF❤️ Thank you so much for being here, I really appreciate it😊
It’s going to be alright! 😊 I’m a new subscriber and here to support you on your journey. 🌺
I am also finding my way to becoming debt free.
Welcome BFF! I’m so glad you joined our community! Congratulations on your own financial journey and thank you for the encouragement and support ❤️
Sending you love and support❣️ I suggest continuing to watch the budget videos. They help me stay on track with my tight budget. I am surprised at how they keep me out of stores like TJ Maxx, my weakness. Since doing this, I have only spent $1.44 , but it was a needed item. 😊
Thank you BFF for your support❤️ I can understand how TJ Maxx could be a weakness! Congratulations on staying on track
@@affairsinorderwithgigi …and do not even get me started on Sephora‼️🤣 My backup skin care and makeup items take up 2 of the 3 shelves in my fridge, and the entire door‼️😳 If I can be in over shopping recovery, you and your husband can also.
I think you’re doing great! We’re all in this together I’m on my journey too! I feel for anyone that has medical debt.
Congratulations BFF❤️ I hope your debt payoff journey is as painless as possible
I am routing for you GiGi you can do it, I’m going through it as well, yes girl we are going to take back control ❤🤗
Thank you! And yes BFF we ARE taking back control❤️
New Subscriber! You can get this knocked out in no time!
Just think how amazing it will be to see this sheet of paper next year or the year after and see how far you’ve come!
Welcome BFF❤️ Writing the numbers down and seeing the actual total was a shock but I’m looking forward to seeing those numbers disappear
CONTROL is right. You’ve got this! I’m rooting for you!!!
🌷🌷❤❤😊❤❤🌷🌷
Yes! Thank you BFF❤️
Don’t be sad you got this😊💐💐💐💐I have more debt than you and I’m doing this alone besides GOD, and I know he’s got me so you got this!!👏🏽👏🏽👏🏽💪🏾💪🏾💪🏾! Newly subbed and I’m here watching and rooting for you!!!❤🙏🏾🙏🏾🙏🏾🙏🏾
Welcome BFF❤️ thank you for the kind words and support! No we are never alone and I know with him you and I will both succeed
You have joined the group of debt busters. You have got this. Think about this; if you decrease the monthly amount for the first 5 to $100 each that will give you $250 more to pay on #2. This may give you more hope as one bill will be gone in a little over 6 months. I’m on your side either way.
Thank you BFF for your encouragement and support❤️
I feel your pain 💯. I have racked up so much debt I'm loss and can not find my way out. I'm sending you my love ♥🥰Love & Hugs!
P.S. I can not find that form you have printed out " My overall debit picture"
Thank you BFF❤️ The best advice I can give is to just start a budget if you haven’t already! The form I’m using is a free download from The Budget Mom’s website. She has lots of free resources on her website. All you have to do is create an account with your email and then login. I hope that helps you with your journey! We can be debt partners and support each other bc a baby step is still moving forward and is progress! Best wishes BFF
New subscriber here. We all go through it at times. Just hang in there, stick to your budget, and you'll climb back out again.
Welcome BFF❤️ So glad you’ve joined our small but growing community! I’m definitely feelin the love
New subbie ❤. You got this! Can’t wait to watch you knock these out!❤😊🌷🌹
Welcome BFF❤️ I’m determined to get it knocked out!
New 🎉sub 🎉 u are already on a great start! Ur interest rates are pretty good 😊 u totally got this! I hope to start my journey soon 😢
Welcome welcome BFF❤️ Thank you so much for joining our small but growing community 😊
I just want to say that you are so smart, and so courageous to not only bring this out in the open but to address it and not ignore it. There are more people than you can even imagine that are in the same situation or even worse. So I want to thank you for your bravery, and helping others to see what they can do to improve their financial situation. I was wondering do you have any automobile payments or do you own your cars and do you have monthly expenses like a cell phone or utilities? Because wouldn’t those have to be included so that you have an idea of how all of your money is spent on expenses? Granted, utilities are not a debt, but they definitely come out of your pocket in terms of paying them, which would give us a better idea of what monies you have that are free to be used to pay your debt down. I am inspired by you and I thank you so much for doing this because there are those of us that need to have this same discussion with our families. 💕💕💕💕💕
Thank you BFF so much for your support and kind words. Our vehicles are old but paid off. Yes we have monthly bills and I have several videos on our monthly budget that shows that information that I hope you will enjoy watching😊
I can hear the sadness in your voice, I want to send you love. ❤❤❤❤ 🌹🌸💐🌺🌻🌼 I know you can do this
Awwwww thank you BFF❤️ I appreciate your kind words and support
You’ve got this! Hugs from Minnesota
Thank you so much my Minnesota BFF❤️
Never be ashamed of something you are trying to correct.
I have way more debt that I am working on.
Thank you so much BFF ❤️
New here! Your mortgage balance makes me smile!!! You got this!
Welcome Welcome BFF❤️ I’m so glad you’re here! The mortgage balance is a bright spot 😊
Look at you! You're doing great with tackling you debt!
Thank you BFF I’m trying ❤️
I used to listen to the Dave Ramsey show…..sometimes if I recall correctly …he would have people consider downsizing with cars and home if possible…..also recommended is to sell any assets like motorcycles or extra household items….definitely decrease groceries….going out to eat is expensive…so he always recommended eating at home…just a couple ideas…..I will be one of your cheerleaders 📣 You got this!
Thank you so much BFF I appreciate your support ❤️ Our home is almost paid for and both of our cars are older and also paid off
Hello! Hope you are feeling better after owning up to your situation. I wish you every success on this journey. I will at some time go back and watch all of your videos. Susan.
Thank you so much BFF❤️ I appreciate your kind words and support
you got this gigi!
Thank you BFF❤️
New subscriber here. I have been there. It’s going to be tough but you can do it. I just paid my last card off this month. You got this ❤ 16:56
Welcome BFF❤️ Congratulations on paying off your last credit card! I can’t wait until I get there
Killing it on the mortgage. A little determination and a lot of discipline and youll clear these debts faster than you think.
Thank you BFF❤️ I’m gonna work really hard
When I see these videos my heart breaks for the person facing their debt. Overwhelming does not begin to describe the emotion. Is it possible to remortgage, pay off the cards in full and NEVER use those cards again? When I say remortgage I mean use some equity JUST ENOUGH TO PAY OFF THE CARDS. we did this decades ago and it cured us from ever having consumer debt again. Our mortgage payment is 412.10 a month. And no debt otherwise.
Thank you BFF for the comment ❤️ I haven’t ever checked on home equity to pay off debt. I’m totally afraid to get debt to pay debt, but I will check into that!
I don’t know how you got interest Rate for apple that low when mines is 27%, I owe around $1800 across all accounts and I’m over here stressing since I was $6.5k in the whole earlier this year and paid it off all to be back in the whole $1800 against currently. I hate credit cards but they seem to help out when in tough times with the APR makes things worse in the long Wrong. Keep going
Thanks for the encouragement BFF! I always say that Im not anti-credit cards, I’m anti-credit card debt! They can be used properly but it takes a bunch of discipline! You’re gonna get that $1800 paid off in no time!
Thank you for sharing and inspiring others
Thank you for watching BFF! You are so welcome!
Yes, it helps to put it down in writing on a hard copy in front of you.
Yes BFF it really does❤️
First and foremost this is the first step in the right direction! Remember your mortgage is debt every financial advisor will tell you that this is okay. Just keep moving forward, that is all you can do.. but I do feel you that 2 years ago we were debt-free, we thought we were prepared enough for our international move with about 20K in savings but it wasn't enough so now we have about 16K that we are working towards getting there again. and when we move sadly we will have to buy at least one car
I was confused about the mortgage bc I was told it wasn’t really debt but I feel if it’s a bill I have to pay then it’s a debt! Thank you for the kinds words BFF❤️
😊 we’re going to knock out these debts!!!
Yes BFF we are! ❤️
Ok, so, that's a lot, but there's a bright spot: That mortgage balance. Honestly, that's a gift. I would spend two years hard core on the other debts, then spend the next three years or so on that mortgage. I don't see why you can't be fully debt free, including the mortgage, in five years or so. Also, you're putting a significant amount above the minimum payments on those cards. I know you're stressed, but this is a good plan and if you stick to it, you should be fine.
Thanks for the kind words and encouragement! I appreciate you BFF❤️
I am a debt free journey myself. Going to give up drinking soda because i feel that this is where i spend the most
Congrats BFF! Cutting down on the soda helped us too♥️
😊❤️ you got this Gigi !! 🙏🏼🥰👍
Thank you so much BFF❤️
Hi from France. I love your videos. Very brave and interesting. Take care.
Hey BFF❤️ all the way from France! Thank you for your support
no weapon formed against you will prosper, you are doing the work, and God will cover your progress, fear shows failure but faith shows the future, stay on your course and you will see past the cloud that's blocking the sun light, you got this!!!!!!!❤❤❤❤❤
I believe that with all of my heart! Thank you BFF❤️
Have you thought about a Debt Consolidation loan through a Credit Union? Also maybe calling your creditors to see if you can lower your interest rates a bit? I feel like there is a way to get your payments down each month. Good luck!
Hey BFF❤️ I’m afraid to do that. We really just want to get it knocked out as soon as possible
You got this GiGi ❤😊🌸
Thank you so much BFF❤️
What was bought with the credit cards? Sometimes it's unnecessary junk and sometimes it's medical or necessary stuff.
Hi BFF❤️ The majority of my credit card debt is medical unfortunately
I agree with you 100% about the ridiculous medical costs! It’s inhumane! By you and your spouse taking the responsibility to have health insurance, you should not have that amount of out of pocket! The next time you get a major bill from a medical entity … call and try to negotiate a lower amount due. Plead your case … you are double covered, etc. Most medical entities will work with you to lower the total they are owed.
One suggestion - I personally wouldn’t pay any more on the mortgage than the minimum. Reason being - I’m assuming your home loan interest is significantly lower than your credit card interests. So, take that extra money you’re putting toward mortgage and put it on your credit cards - mathematically it makes sense to do so - your money goes farther that way and you’re out of credit card sooner. Then, when all credit cards are paid off. - and you WILL do that - then you can double up or triple up on your mortgage payments if you want to.
Take care. You are absolutely on track …. All the best on your journey - that will be successful! 👍
Thank you BFF for all the suggestions! I will definitely take your advice on the mortgage! I appreciate your support ❤️
You got this!😊
Thanks BFF❤️ I appreciate the support
If you are able to make use of balance transfer promotions, sometimes it is worth paying a 3% transfer fee in exchange to be able to pay off the balance without interest. Could save a lot of money, especially if one is paying high interest. And, it can be a lot cheaper than taking out a low interest loan. You'll get there!
Thank you for your suggestion BFF❤️ I appreciate your support
Just stumbled on your channel. 🙏🏼🌸🌺🌷☀️🌻
Thank you for being here BFF❤️
Good luck!!
Thank you BFF❤️
You got this gigi ❤
Thank you BFF❤️
I'd pay Apple first. Lower balance and only 1% less rate. Get the win sooner. You got this!
Thank you so much BFF❤️
Sending you best wishes 🌻
Thank you so much❤️
Hi there! A++ on accountability! I am in Canada so I don’t know if this is an option for you but, can you consolidate your credit card debt through your mortgage holder through a line of credit? One payment at much lower interest rates. Just a suggestion. Thanks for this! 👍
Thank you for the support BFF❤️ I’m really afraid to do that but we are looking into it
🏵🌹🌼You got this! 🌼🌹🏵
Thank you BFF for your encouragement ❤️
Sending you Love and hugs……
Thank you BFF❤️
🤗 you got this!!
Thank you BFF❤️
You got this! 🌸🌼🌺
Thank you BFF for your encouragement ❤️
Just found your channel today 9-20-24. That’s a lot of cards. Can you cut them up and just leave 1-2?
If you have a good credit score and are disciplined, I would open an account at a credit union, get a home equity line of credit (no closing costs) and pay that $30k in cc debt off. Even at the prevailing 8% rate, it's still way less then the current blended rate you're paying. Then just concentrate your efforts on paying it off. I know it's a variable rate, but it will take years to get up to the rates you are paying now. By then your balance will be either significantly lower or gone. Don't refinance your mortgage. That 4% is gold.
Hey BFF❤️ Thank you for your suggestion! We are looking into that
Great job. 🎉
Thank you BFF❤️ Welcome to our small but growing community I’m really glad you’re here 😊
You got this ❤
Thanks BFF❤️
I have wayyyyy more debt than that and I’m 26 years old. Lolll. 🤷🏽♀️
I wish you the best in getting that paid down! I wish I would’ve found the cash stuffing method at 26, but better late than never 😂
Hi,Gigi I believe in you.
You can get through this process.🙂💐💐 September 29, 2023
Awwwww BFF that’s so sweet!! Thank you ❤️
❤ 😊
Thanks BFF for your support ❤️
@@affairsinorderwithgigi you got this. I’m on this journey with you.
The interest rates are super high. Since the mortgage is low, I'd borrow against the house and pay extra every month or find a single care or two and go fo a lower interest rate. The finance industry is a total rip off.
Yes BFF I agree❤️
❤❤❤big hugs to you. Hello from Athens
Thank you BFF❤️ Big hugs back to ya